Datasets:

aciborowska

/

test_dataset

like 0

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

according to section 15 USC 1692 in the Fair Debt Collection Practices Act, this is an common and illegal sale of third parties to collect a debt I did not consent or receive written verification via Mail of original documents. I have been harassed numerous times the day with phone calls and voice messages impersonating a legal matter and lawyer. I need these illegal credit reporting agencies removed from my report. I have removed the number several times and I still receive numerous calls from different numbers but from the same company. Company : National credit adjusters

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have submitted the same complaints for several times already but still this item is visible on my credit report. I have no idea what is going on over there at the CFPB. I was a victim of fierce wrongdoing. I'm not accountable for this account. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. This account does not belong to me. I never applied to this company. Plus, the continuous activity is weird. I believe someone stole my identity and opened this account without my permission or authority. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I have included here my FTC report and Police Report which I filed on my local Police Department. I'm truly confused by the bureaus antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. XXXX CO XXXX Date Opened XX/XX/2018 Balance {$0.00}

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

This irritates me! I've already spent months sending disputes and filing complaints, but I'm not seeing any results from them. This is causing me a lot of pain and stress.

Repeated phone calls, ROBO calls usually XXXX times a day from SouthWestCredit using numerous different area codes and phone numbers to make the calls. This has been happening for 6 months after I explained to them they have the wrong individual. They are looking for an individual with a completely different First and Last name and address. I have had the same phone number for 7 years with no previous ROBO call problems.

Why are you reporting this account inaccurately? XXXX is reporting all good payments yet XXXX is reporting just all charged off.

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6600.00} XXXX XXXX XXXX Balance : {$22000.00XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$6600.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) ( 2 ) The term debt collector excludes : ( i ) Any officer or employee of a creditor while the officer or employee is collecting debts for the creditor in the creditors name ; ( ii ) Any person while acting as a debt collector for another person This account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law.

To whom it may concern at the CFPB, I am trying to get immediate help with a Law firm/debt collector that is trying to collect on a fraudulent account supposedly opened on XX/XX/XXXX. Due to this case being a fraudulent credit card account that is almost 20 years old, bought and sold 3 times from the original creditor ( Capital One ) to several Debt Collectors over the past 15 to 17 years, the only way I felt that this would make more sense to you is if I described as best as possible to the best of my knowledge the history of this fraudulent account. Because this is a fraudulent account opened so long ago and without my knowledge, it is almost impossible to provide any additional documents or proof of anything besides what this law firm has given me on XX/XX/XXXX when I called and spoke with one of the attorney 's there and recorded with their permission. So, this information is the best I have available for your review. *The fraudulent account details are below : *Original Creditor - Capital One Bank *Supposed day the account was opened with the original creditor - *Account sold from original creditor to - XXXX XXXX - Date unknown *Account sold again to - XXXX XXXX - Date reported - XX/XX/XXXX *Account sold a 3rd and final time to - XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI *Supposed Date reported and Judgement filed in XXXX District Court by the above mentioned law firm - XX/XX/XXXX *Date of Notice of Garnishment - XX/XX/XXXX *Total Garnished amount from my paycheck on XX/XX/XXXX - {$570.00} *XXXX District Court Case # - XXXX *Supposed original past due balance - Unknown *Supposed Judgement Amount - {$1800.00} *Supposed interest accrued - {$2300.00} *Supposed amount due now, including interest, fees, etc - {$4100.00} This shady, relentless and unforgiving attorney/debt collector is the 3rd time this fraudulent debt was bought and sold. Law Firm/ Debt Collector XXXX XXXX XXXX , XXXX . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX *Original Fraudulent Account Date - XX/XX/XXXX *Original Fraudulent Account Collections Date - XX/XX/XXXX *2nd Fraudulent Account Account Date - XX/XX/XXXX *Fraudulent Account Judgement Amount - {$1800.00} *Total Fraudulent Judgement Interest Accrued {$2300.00} *Unsatisfied Fraudulent Judgment Amount XXXX *3rd Writ of Garnishment issued on XX/XX/XXXX and was received BY MY EMPLOYER, NOT MYSELF AND AGAINST THE LAW *Fraudulent Garnishment Taken From My Payroll On XX/XX/XXXX in the amount of {$570.00} This letter is being sent to you in response to notices sent to me from your company in regards to a fraudulent account opened in XX/XX/XXXX. Please be advised that this is a refusal to pay and a notice sent to your company pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, especially forewarning you that this was a fraudulent account. Please provide me with the following immediately : 1- What the money you say I owe is for. I have ZERO knowledge of this fraudulent account until today, XX/XX/XXXX when I received the bogus " Garnishment. '' Do me a favor, look at the dates and realize that you are trying to collect on a debt from XX/XX/XXXX and all the XXXX Judgements you have received since XX/XX/XXXX. What a joke, this is showing some serious desperation on your company 's part. 2- Explain and show me how you calculated what you say I owe. Over {$2300.00} in made up fraudulent interest charges? Please .... This fraudulent account you are attempting to collect a debt on is against the law and you are violating many, many laws, in place for innocent consumers like myself. 3- Provide me with copies of any original papers that show I agreed to pay what you say I owe. As I will mention several times, we both know you can not. I have never heard of or spoken to anyone from your law firm until today, XX/XX/XXXX. 4- Provide a verification or copy of any judgment if applicable which is legally allowed, not " renewing '' some fraudulent debt from XX/XX/XXXX of which did not belong to me. We both know you can not do so. 5- Identify the original creditor and legal proof of myself being the owner of this fraudulent account. This will include ALL written, audio or visual legal proof of such. Once again, we both know you can not do so. 6- Prove the Statute of Limitations has not expired on this account in the State of Michigan . It is 6 years in Michigan and only 10 IF and only IF the Consumer agrees at any point that the debt is theirs WITH the proper legal documentation served to the Garnished Indiviual. For the record, I have not and never will agree to pay any fraudulent charged. Yet again, we both know you do not have this information. 7- Show me that your law firm are licensed to collect in the State of Michigan , with the full license # ' s, and I do not care if your law firm is in Michigan or not. Provide these valid numbers with expiration dates along with your State of Michigan Bar #. 8- Provide me with your license numbers and Registered Agent or Agent of Service in the State of Michigan . Also, provide the name of the company, person and or Process Server who LEGALLY served any paperwork. Please do not attempt to say that you delivered or tried to deliver any Notice to my current address, our property is surrounded by cameras recording 24 hours a day, 7 days a week for several years and on a permanent, backed up record and stored in a cloud. Old, outdated addresses are NOT acceptable for proof of delivery. The correct address for proof of delivery to the Garnished Indivual is your company 's RESPONSIBILITY. NOT AN EMPLOYER to serve this notice. 9- Provide me legit and legally admissible proof of any paperwork or judgement that was delivered to me from your law firm to my current address on State of Michigan records. You have not lawfully and legally served me any updated court documents to my address on record BEFORE you processed any garnishment. Like your company did, but is not legal, dropping off a garnishment to an employer WITHOUT the garnished receiving any notice is against the law. You all know better. 10- Provide me original signed documents legally proving that this fraudulent collections account has any legal signature, audio or visual proof of such. We both know you can not do this or provide this information as you have NO access to this information and bottom feeder law firms like your company buy these debts for pennies on the dollar in the hopes you can somehow get a supposed victim of yours to pay anything, but little do most consumers know under FDCPA and FCRA Laws you can not do so. I will not hesitate to bring legal action against you for the following Violation of the Fair Credit Reporting Act and Violation of the Fair Debt Collection Practices Act including, Defamation of Character. If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist including any garnishment immediately. Also, during this validation period, if any action is taken which could be considered any more detrimental to my financial well being I will surely file suit. In addition, please understand that all the phone calls that were made are recorded and I verified and had received permission from the " Attorney XXXX '' that I spoke to on XX/XX/XXXX. This recording, if necessary, along with the illegal forms your company used to file a garnishment all will be forwarded to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), State of Michigan Attorney General, the Bar Association, the local XXXX XXXX XXXX ( XXXX ) for your business area and in the court system, XXXX District Court XXXX XXXX, Michigan XXXX for a Motion To Set Aside Judgement explaining to the court of this fraudulent and bogus garnishment if it is not stopped immediately. Next I will file a police report on your company if need be. Also, if necessary, I will file several poor, but true reviews on the internet, including XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and on and on explaining exactly how you are trying to conduct business so I can fairly warn any other potential " victims '' of this shady practice so they may help themselves before their rights are violated. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment, EXCEPT to my employer removing your fraudulent garnishment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS via First Class Registered Mail. It would be advisable that you assure your records are in order before I am forced to take legal action against your company. This is an valid attempt for your law firm to correct your records, any information obtained shall be used for that purpose. I am hoping your law firm can resolve this immediately and realize the unethical manner of which you are trying to collect on a fraudulent account from 19 years ago. Do the right thing and make this correction immediately. It will save your company, myself and the court system a bunch of wasted time, money and energy. I am a very informed consumer, I know my rights and protections through the FCRA and the FDCA and will use them to my utmost needs and I absolutely refuse to have my rights stomped on by a debt collector doing their best to collect on a FRAUDULENT debt I am totally unaware of almost 2 decades old. ****PLEASE NOTE XXXX , XXXX COPIES OF THIS LETTER AND ANY AND ALL COMPLAINTS FILED AGAINST YOUR LAW FIRM WITH THE ENTITIES BELOW ARE ON FILE WITH MY ATTORNEY ON RETAINER IF I SO CHOOSE TO EMPLOY HIM IN THE FUTURE IF THIS CAN NOT BE AMICABLY RESOLVED BETWEEN MYSELF AND YOUR COMPANY. THEY ALSO DO CHAPTER XXXX AND XXXX BANKRUPTCY, SO THE GARNISHMENTS WILL STOP ONE WAY OR ANOTHER IMMEDIATELY UPON FILING. COPIES OF ALL THE PAPERWORK AND THESE ILLEGAL AND FRAUDULENT " JUDGEMENTS '' WILL BE FORWARDED TO THE CFPB, FTC, ATTORNEY GENERAL, XXXX AND ANYONE ELSE NECESSARY TO MAKE THIS RIGHT. IF YOUR LAW FIRM MAKES THE CORRECT DECISION AND DOES REALIZE THE ILLEGAL AND FRAUDULENT MISTAKE IT IS IN THE PROCESS OF MAKING I WILL VOLUNTARILY REMOVE ANY AND ALL COMPLAINTS AND/OR NEGATIVE REVIEWS FROM THE ENTITIES ABOVE IF IT IS SETTLED CORRECTLY, MY PERSONAL WAGES AND FUNDS ARE RETURNED TO ME AND THIS FRAUDULENT AND BOGUS GARNISHMENT IS REMOVED IMMEDIATELY.

Experian breached my account and now my SSN is on the dark web. They are suppose to provide FREE monitoring of my credit accounts due to their fault of breaching my private information. I am a XXXX and don't have time to follow up on incompetent reporting-that should be your job. They decided to charge me for a membership and refuse to remove it or reimburse me. I called them XX/XX/2022 and notified them of this. They just hung up. Tired of their manipulation. Can you not take action to protect the citizens of their flagrant actions. I don't have time to babysit and enforce the perform their jobs. Again that is your job. They need to be fined for incidences like this. Please take care of this. Also XXXX continues to report decreases in my credit usage due to daily use of my credit cards but fails to report when my credit card usage increases, when the credit cards are paid off. For instance they say they update daily, which is false, because Experian reports the decreases a week prior. The CFPB needs to step up and take action to protect the citizens and start fining and penalizing these incorrect actions. These inaccurate reports affect my business. Do something rather than just send letters and cater to their incorrect reporting and misinformation.

Someone applied for a car loan with my ssn

I recently received a copy of my Three consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. CAN'T SAY THE SAME ABOUT TRANSUNION. I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following:XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX X XXXX XXXX XXXXXXXX XXXX Balance : {$4700.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX Original creditor XXXX XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$2500.00} XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX - XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXXXXXX XXXX

My credit XXXX XXXX XXXX was sold to a credit collection agency over a year ago. XXXX is still reporting my account with a past due balance and late. A payment agreement was reached with the collection agency and settled on XX/XX/2023 and paid in full. This account was sold to a collection agency, XXXX XXXX XXXX XXXX, and a payment agreement reached and settled on XX/XX/2023. I reached out to XXXX and was informed that the collection agency is in fact Velocity LLC. As of todayXX/XX/2023XXXX they are reporting incorrect information on my credit report.

XXXX XXXX XXXX XX/XX/15 {$490.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$140.00} XXXX XXXX {$3600.00} XXXX XXXX {$10000.00} XXXX XXXX {$1700.00} XXXX {$260.00}

Company is a debt collection agency. They sent a request for repayment of XXXX bills, XXXX invoices originally received from health care facility, in XXXX separate request, presumably because I have to dispute each one separately. The online form to dispute debt provides no confirmation of submitting disputes. Debt was paid in full-confirmed with original creditor debt was paid in full. Was told by original creditor they had contact Apex. Provided proof to company that debt was paid in full, but got no confirmation of receipt. They refused to remove or resolve debt until they received communications from company, but when I asked them to contact the company ( since I had already spoke to the company on this issue and was informed they would call Apex ) they refused to do so. Company is in violation of Fair Debt Collection Practices act as they are providing false and misleading representations see 807. False or misleading representations. They threatened to report the debt to credit bureaus even though debt was already paid. Company is predatory and provides non-responsive answers to questions.

There are many mistakes appear in my report without my understanding.

They've contacted me 10x per day starting XXXX Asked them to stop calling on XXXX still call multiple times per day Also have taken money out of my account 4 times which I never aurhorized.

I have asked Navient numerous times to explain the loans attached to my account as I do not think they are accurate -- it 's impossible to get someone on the phone.

On XX/XX/XXXX XXXX XXXX XXXX XXXX was set up by my then husband for during my Life-Time, till upon my death. Then the Trust would be divided equally into 3 Charities. On XX/XX/XXXX I had received a letter from the Assistant Vice President, Fiduciary Advisor stating the Life Time Trust on XX/XX/XXXX terminate/exhaust with a partial payment at the end of the month. This giving me not much more than 6 months to find out how and what has happened during the years that the Trust was handled for again this was a Life Time Trust. The PNC XXXX XXXX handle the XXXX. I have called numerous XXXX, XXXX, sent letters to XXXX, XXXX and Government agencies, waiting as of this moment for replies back for guidance to handle this situation. Also I had contacted PNC Asset Management nothing had or makes since. Called one of the Charities with no answers. At this point after a few calls now if I would like I was asked if I would like to speak to their attorney. PNC has opened a Irrevocable XXXX XXXX XXXX without my knowledge or consent the effective date of the statement on my personal account it was XX/XX/XXXX. Since then month after month statements keep appearing on my Personal Banking Account. How can anyone open a account without your knowledge, then keep adding statements of past years. Each month since the letter from XX/XX/XXXX that the Trust will exhaust in XX/XX/XXXX I have been receiving statements in the mail as well of how the funds are invested and the balance of the account. During the past 20 years I have not received one statement, no communication From PNC stating any transactions or that the Trust would exhaust. There were no communication at all. The only paperwork that I did receive was the XXXX end of the year form and the Remittance Form of Deposit of the monthly income. I have been trying to resolve this issue. I am seeking guidance in this matter if possible. This is my life income and now somehow it is gone.

XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists

I had a XXXX XXXX XXXX. I had this loan with XXXX XXXX XXXX, I refinanced it to XXXX XXXX XXXX XXXX, then the vehicle was traded in. However two of the three major bureaus ( XXXX and XXXX ) are showing my debt severely incorrect. XXXX is showing me as {$63000.00} on debt and XXXX is showing me as {$63000.00} in debt because theyre still reflecting the XXXX and XXXX loans on the same vehicle as open, I have verified with both loan companies and they have reported this to the bureaus. Equifax is showing my w a debt of {$28000.00} which is what I owed on my XXXX. So none of the three are correct. I had purchased a XXXX XXXX XXXX but it has been totaled before I even made the first payment, so now I really need these credit reports to be accurate because Im going to have to get another vehicle loan.my credit usage is also not nearly that high, my cards are all under {$100.00} balances with the exception of one. The XXXX has been paid off with both these loan companies since XX/XX/XXXX and we are now on XX/XX/XXXX. The new loan for my XXXX hasnt even been reported yet, but it will be paid off by insurance.

Identity has been compromised. Should have mandatory fraud protection from equifax because of this. Every vital piece of information regarding my identity has been breached. that is very unsettling.

These accounts are not my accounts

In accordance with the Fair Credit Reporting Act Capital One has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Dear Experian You have constantly stated " Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. '' This is a LIE i have sent you several disputes regarding this matter and you CONSTANTLY use STALL tactics claiming I am not who I say I am. THIS IS XXXX XXXX XXXX sending you letters and complaints through the CFPB. I have provided you with MY DRIVERS LICENSE FOR IDENTITY & MY UTILTY BILL FOR PROOf OF ADDRESS. XXXX XXXX XXXX ACCT # XXXX & Experian did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or provide a valid E-Signature stating my IP Address " Session '' " Time Stamp '' and " Browser '' with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), I circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards me and trying to deny me credit in the future?. I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company.

Bank of America allowed a person to enter a location in Michigan ( I live in Texas ) and allowed them to withdraw {$9500.00} from my account and gave the person a temporary debit card which allowed them to withdraw an additional {$1000.00} from my account. The bank did not utilize any secondary identification such as the password on the account or sending a text to my phone to verify my identity. I have spent now over 10 hours in a week trying to work with the horrible multiple departments to get money back in our account. There is on consumer advocate to deal with when the theft was due to the bank 's failure in policy.

MEDICREDIT , INC . {$51.00} XXXX XXXX XXXX No knowledge of debt and collection agency.

My Equifax credit report dated XX/XX/18 shows the following information : BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX BANKRUPTCY : DISCHARGED XXXX Filing Date XX/XX/XXXX This information is incorrect and and letter back from Equifax states this has been verified. Equifax did not send me information with copies of any documentation associated with this bankruptcy bearing my signature.

I, XXXX XXXX demand a complete purge of my personal information from an original creditor, a debt buyer and a debt collection agency. In fiscal year XXXX I filed for personal bankruptcy under case number XXXX, XXXX XXXX of Pennsylvania, United States Bankruptcy Court. At no time was a debt ( s ) from XXXX needed as my debts with XXXX were charged off in fiscal year XXXX, and the statute of limitations had run out on enforcement and/or credit reporting. As the Consumer Financial Protection Bureau is aware that the debt collection industry is broken, it does not give the right for federal collection laws under the Fair Debt Collection Practices Act to be use illegally. I attach XXXX recent collections mailed to me that are not legal, but my information can be considered stolen and now an identity theft issue that I must submit complaints about to the Office of Attorney General, Commonwealth of Pennsylvania. The Fair Debt Collection Practices Act is being violated as follows : XXXX no longer has a legal right to collect under restrictive guidelines in the Commonwealth of Massachusetts, as well as under the Fair Credit Reporting Act to report on credit, or the right to maintain a collection under the Fair Debt Collection Practices Act. Essentially, XXXX had a responsibility to purge my file and my personal information such as my social security number. My personal information has been illegally shared with a debt buyer known as Icon Equities , LLC and a debt collector named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, claims that they are collecting a debt on behalf of a debt buyer named Icon Equities , LLC. There is no historical connection of a purchase of any debts from XXXX, XXXX, and my information was obtained by an illegal debt pooling process XXXX uses to obtain collections that are no longer legally enforceable. This is pure identity theft by a debt buyer and their counterpart collection agency known as XXXX XXXX XXXX XXXX XXXX XXXX I am showing proof that illegal collection activities still go on in the United States, even after the Federal Trade Commission and the Consumer Financial Protection Bureau has fined these types of illegal activities in the XXXX of dollars. I demand that my files must be purged by XXXX, Icon Equities , LLC and XXXX XXXX XXXX XXXX XXXX permanently. A follow up complaint will be submitted to the Office of Attorney General, Commonwealth of Pennsylvania within 30-days if I do not receive a purge letter from all XXXX entities.

I bought a NetSpend prepaid visa card at the XXXX pharmacy on XX/XX/XXXX. I loaded {$400.00} on to this new NetSpend prepaid card on this same day XX/XX/XXXX I tried to activate prepaid card at home after purchase on XX/XX/XXXX Was told I was not gon na be able to activate it use this card at all and the only option for me so they are gon na mail me a check in the mail. This check didn't get mailed off to me until XX/XX/XXXX ( was told with in 10 business days ) would receive my check in the mail. Expected delivery XX/XX/XXXX The check still did not come in the mail as of XX/XX/XXXX Now when I called on XX/XX/XXXX I was told I have to give them ( 48 hours- business days ) longer plus a weekend to do a trace on the mailed check and get a update. Was told on ( Monday, XXXX XXXX ) to now wait until ( XX/XX/XXXX ) to allow full ( 15 business days ) from the, US Postal Service, due to possible mail delivery, delays causing possibly the later delivery date. I now have waited the extra + ( 5 business days ) until ( XX/XX/XXXX ) as told to do for possible delays. I sttill have got no results or update with any information on the trace they supposed to have done on my mailed check ( XXXX XXXX ) now told I have to wait for another 10 business days to have another mailed check sent to me!!! What happen to the first one? I have waited over a month now and counting to get my refund of {$400.00}!!!!

This is my SEVERAL endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2008 ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00}.

My Home loan service company was Shellpoint Mortgage until XX/XX/XXXX. Loan # was XXXX. In XXXX they transferred my file to a new servicing company name is XXXX XXXX. XXXX XXXX had this loan under the file number XXXX. This loan has been totally paid off on XX/XX/XXXX. The Shellpoint & XXXX XXXX have mistakenly reported this loan " more than 180 days late '' to all 3 Credit Bureaus which is false! I have been on forbearance plan with Shellpoint Mortgage from XX/XX/XXXX up to XX/XX/XXXX ( The agreement, the extension letter and two snapshot of my Shellpoint dashboard are attached ). As you may see I have been on forbearance plan, so how possibly I could be late? As the result of their mistake my credit score decreased from XXXX to XXXX today. I have called both Shellpoint & XXXX and asked them about this and both accepted this was a mistake but they say it may take up to 60 days to finish their own investigation and send correction to the credit Bureaus. Problem is I am in the middle of applying for another home loan and the lender just received my poor credit score and denied my application. I am very upset with these two financial institutions and want you please let them it will have sever consequences to play with peoples life. They have to send the correction to to the 3 Credit Bureaus ASAP. Thank You, P.S. I am XXXX XXXX and I am the owner of this account. I once used this account to file a complaint for my ex wife XXXX XXXX, but now I see the account comes under her name which is not correct. Please make necessary correction and put my name as the owner of this account.

LVNV Funding LLC is reporting 3 different Date Last Active. XXXX reports XXXX XXXX reports XXXX XXXX reports XXXX This is in Violation.

To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XXXX. I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. I am in the process of a clearance and the investigators mentioned this transaction during the interview. I have submitted the checking account number and a previous address where i used to live when the account was active.

On Saturday XX/XX/XXXX, the day before Hurricane Irma hit the State of Florida, I attempted to withdraw cash from the XXXX XXXX XXXX, XXXX FL XXXX Wells Fargo ATM. My password for the debit card was completely removed from the system. The games with Wells Fargo and my password have been going on for years. While trying to contact another branch to obtain needed cash, they sent one of their minions who I have on video tape. I am looking for a response from Well Fargo on why my password was removed from the system right before the hurricane. I also want to put in writing to the CFPB that registered letter XXXX XXXX sent on XX/XX/XXXX to your Director, XXXX XXXX was signed by the " Obama Family '' and disappeared to a XXXX zip code that is non forwarding post office. I also sent a certified letter XXXX to your Director and that letter was disappeared. Kindly request a response from Wells Fargo on the who and why decided to trigger the password deletion on Wells Fargo end. Sincerely, XXXX XXXX XXXX

Equifax mishandled the personal data of myself and millions of other American citizens, allowing personal information to get into the hands of malicious hackers. Their gross negligence and inability to secure my information has put myself, my family, and my finances in immediate danger. Their insistence that consumers relinquish their legal rights in order to find out if we 've been affected is ludicrous and proves that they care far more about their own personal security than the consumers they claim to serve. Their requirement to pay a fee in order to freeze credit accounts that have been affected in order to profit off of their own mistakes is nothing more than racketeering. The multiple executives who sold off millions of dollars worth of stock just days after the attack should be imprisoned for insider trading.

This company has no contract with me or my written consent to furnish anything on my consumer report nor have i gave ANYONE CONSENT to any alleged creditor and thats Identity theft!!!, statements from a 3rd party is a violation of my right to privacy USC 1681 ( a ) ( 4 ), I have not received any validation or verfication of any alleged debt. i have sent through USPS certified mail # XXXX XXXX XXXX XXXX XXXX a request for removal from my consumer report to the company involved

agency has accepted settlement and refuse to show the credit reporting changes to my credit : Procollect XXXX, TX XXXX Violating the F.A.C.T Act. they are reporting delinquency of the account in which they have accepted funds. They have repeatly change my last date of activity to change when this item is to be removed from my account.

i have been a victim of identity theft. Someone used my information to open up a utility bill with XXXX XXXX. I placed a FTC report about this matter and disputed the account with XXXX and Equifax. XXXX is still looking into it at the time. However, Equifax refuses to remove the fictitious account from my profile. They said the information is accurate. How is it accurate if i never had a bill with XXXX? This has stopped me from recieving service in my home now. I tried to contact XXXX. They asked me to submit an identity theft packet. In that packet it asks for proof of address. I can not furnish a proof of address at the time because at the time this incident occured, i was a student at XXXX University living in XXXX. so there is no way i lived at the address connected to this account. The amount is for XXXX

Chase Business has the worst customer service. They continually hang up on you and all their calls are directed to XXXX. They are XXXX and really really rude. I've had them hang up on me twice, put me on hold and not come back for XXXX minutes until I finally hung up. They always say that there system is slow. I '' ve made XXXX calls in the XXXX days I've had the account. We have our accounts tied together business and personal and they get them mixed up when we call. The problem is that they keep putting my bill payments on hold. When I call back to confirm I have to go to XXXX or XXXX different departments and no one can give me the right number. I even emailed them and they gave me the wrong number to call. It's just awful. I wish I had stayed with XXXX XXXX. I've spent at least XXXX hours a day since I opened the account in the last XXXX days. No one can tell me why these simple payments keep getting held up. I hold XXXX mortgages with this XXXX XXXX XXXX. I set up an a monthly occurring bill. They called separately on each one without checking that they were all going to the same company with different account numbers. When they called they asked me what kind of information did I have to show that these needed to paid. This is XXXX, because XXXX mortgage was XXXX XXXX XXXX. The problem with this is that it takes XXXX minutes to verify XXXX simple payment.

On XX/XX/XXXX I received a voicemail that stated ( XXXX XXXX ) not my name. They were reaching out to me due to a pending notice of action that came out of the XXXX XXXX area. His name was XXXX XXXX. He was contacting me on behalf of XXXX XXXX, so due to no contact on my behalf I am instructed to call XXXX with reference number XXXX. They have another number from XXXX California ( XXXX. This number is not active? They also called my mother in Arizona, threatening to sue. If I did not respond by XX/XX/XXXX ( yesterday ) they are taking aggressive action to sue me for {$1000.00}, from HBSC Bank for a mortgage or credit card from XXXX. I have been on XXXX since XXXX. I have already filed a scammer report with the XXXX XXXX XXXX

When I investigated my credit report, I realized that some of the information was erroneous. TransUnion is required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX Balance : {$27000.00}

I work at a XXXX XXXX and have been planning my life, essentially, around being able to discharge my loans after 10 years of consecutive repayments to NAVIENT. I have only Federal Direct Loans. My loan payment is enormous -- {$530.00} a month for a single mother of XXXX. However they only calculate the loan based on income. When I went to apply for public service loan forgiveness, I was told -- for the first time -- that I did not qualify because I wasn't doing " income-based repayment, '' a form of repayment that would nearly double my monthly payments. I can barely make my monthly payments as it is. No one said ANYTHING about having to be on income-based repayment when I was told I could get loan forgiveness for working at a XXXX XXXX 11 years ago. I believe I have been a victim of fraud.

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The late payments you have reported to the three credit bureaus. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.

Account info Account name PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$970.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$970.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$970.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX 2026

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

National Recovery Agency address XXXX XXXX XXXX XXXX, PA XXXX Has been reporting a collection account on my credit reports in the amount of XXXX I have never done business with this company and this company does not have a contract with my signature.

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I haven't ran my credit through these companies but they are showing up on inquiries

The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Also the credit bureaus took more than 30 days to complete my investigation.

My mortgage was discharged in Chapter XXXX on XX/XX/2018. XXXX XXXX sold my mortgage to XXXX a Credit Collection Company. My lawyer sent them a letter explaining they are breaking Federal Bankruptcy Law 524. The have ignored my lawyers letter. XXXX is continuing to send me certified letters, reporting this on my credit report, and acting like I owe this to them. When this mortgage was discharged by XXXX XXXX XXXX. I contacted my attorney again, he explained to me we could file suit, with me again having to put out thousands of dollars, which I already have put out thousands of dollars to get rid of XXXX. Why do I have to pay more money to get rid of a company that is breaking Federal Bankruptcy Law. It took me 2 years to rebuild my credit score to the middle 600 's since XXXX reported this mortgage ( that doesn't exist ) to the credit bureau my credit score is now in the low 500 's I will never be able to regain a mortgage, buy anything with a decent interest rate, I did the right thing I filed Chapter XXXX, and know am being punished by XXXX, who is breaking the law. Where are my rights, without having again to spend thousands of dollars to sue someone who is breaking the law. Please find attached. The letter from my lawyer to XXXX, my discharge papers from Federal Court.

hipppaa and ftc violations sent over 30 days XXXX Opened XX/XX/XXXX + {$52.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX + {$1300.00} Original creditor : XXXX XXXX XXXX

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Hello, I had sent a letter to Transunion regarding some inaccurate information on my credit report and for them to remove and fix the accounts on XX/XX/2020. I sent them a follow up letter on XX/XX/2020 and still no reply. From my understanding they are in violation of section 611 ( a ) of the fair credit reporting act. I have attached the two letters for your investigation.

I mailed a principal payment in the amount of {$6200.00} overnight via XXXX on XX/XX/18. It was received and signed for on XX/XX/18. They posted the check on XX/XX/18 and back dated it to XX/XX/18 and it should have been back dated to the date received which was XX/XX/18. I called customer service and then escalated to a manager, I advised I should not be paying interest on {$6200.00} for 7 days that the check was floating around their office and that the check should be back dated to the date received which was XX/XX/18. The manager told me " they post the check when it comes across their desk and they are in the XXXX so they don't have to follow the rules of the USA ''.

Abuse of Power, Abuse of the System, Financial Fraud for Personal Gain, Filing False & Illegal Documents, Unfair and Illegal Business Practices, Theft, Racial Discrimination, Violations of Consumer Privacy Laws, Statutes of Limitation.

I 've filed multiple CFPB complaints against Equifax for reinserting over and over the same erroneous " XXXX '' inquiry ( see provided attachment ) back on my credit report. Not only did Equifax reinsert this fraudulent information, they reinserted the inquiry three ( 3 ) times as shown in the one attachment. When Equifax removes information per a complaint it takes only a few months for the same erroneous information to show back up despite multiple CFPB complaints and removals.

I am writing your company today to inform them of the violation of my rights under the laws put in place by congress to protect the consumer. Your company is in direct violation of the Fair Credit reporting act. Section 603 ( 2 ) states the exclusions of the things that should not be reporting on a credit report. A consumer report does not include the reporting of report containing information solely as to transactions or experiences between the consumer and the person making the report. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. All of the companies listed below are CORPORATIONS as defined by congress as a person Therefore the transactions between the consumer ( me ) and these corporations should not be on my consumer report under FEDERAL LAW! You are in direct breach of the federal laws put in place to protect the consumer. Not only that, but it is also a defamation of character reporting this information on my consumer report which pertains to a violation under the FDCPA. My lawyer has told me that these violations are subject to litigation and payment of up to {$1000.00} for each violation. This information comes directly from the 15 USC 1681 so understand if you disregard this information, you are in direct violation of Federal law.

have told this company repeatedly that there have been fraud on my accounts and that they are not mine and I ask them to verify information showing my signature and they have yet to do that.I have told them about police report and trade fraud report as well, I would like these deleted off my profile with any other negative remarks, have also received information from company 's such as Equifax and XXXX about data breaches 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Besides the 8 % and the amount being outrageous on my parent plus loan, I feel that the current balance is incorrect. I have called and never get a straight answer. I 'm being charged interest on a higher amount. I have so far paid over {$19000.00} in interest and {$4000.00} towards the principal. My original amount was {$130000.00}, should n't my balance be {$130000.00}? They have my current balance at {$130000.00}, at this rate I will never get this paid down. This is usury at it 's best!!

On XX/XX/2023. I had {$600.00} fraudulently taken from my cash app account. At XXXX XXXX and XXXX XXXX {$600.00} was taken out of my cash app account but they refunded it for my protection then again at XXXX XXXX {$600.00} was taken from my account and then that's a transaction go through they didn't protect me I disputed it I gave him my IP address on my device identifiers everything to show they're fraud department that I didn't make the transaction it was fraudulently done it was on authorized transaction I didn't approve it I didn't do it and I want my {$600.00} back. I made a complaint with the FCC with the XXXX XXXX XXXX and I'm making one with you I also made one with cash app and they pretty much denied my dispute on XX/XX/XXXX thank you

The amount of times and different numbers Portfolio Recovery has called me from is harassment. They call me before I wake up in the morning. They call me at XXXX XXXX when I am at work. They call multiple times a day from lots of different phone numbers

I am reviewing my credit report after my complaint last XX/XX/XXXX, and it seems like the items I disputed were still in my file, I need these items removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX The name and addresses above are inaccurate, The status is incorrect for the following accounts Please remove them from my credit report.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

In XX/XX/XXXX I sent a dispute request to XXXX regarding late payments and balance inaccuracies that were being reported on my credit report from Navient. Although I sent XXXX a copy of my credit report highlighting the inaccuracies, XXXX did the investigation and advised the inaccuracies were correct. How is this possible when : FCRA STATES ALL INFORMATION MUST BE ACCURATE. HOW CAN NAVIENT REPORT DIFFERENT BALANCE INFORMATION & SAY ITS CORRECT?? On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on ED-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate. On XX/XX/XXXX, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) became law, providing for the above relief measures on ED-owned federal student loans through XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the COVID-19 emergency relief measures were extended on ED-owned federal student loans through XXXX XXXX, XXXX. Navient reported me late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. How could I possibly be late if the FEDERAL GOVERNMENT SUSPENDED ALL FEDERAL STUDENT LOAN PAYMENTS & INTEREST. How could I possibly be 90 days late on any payment if I was NEVER 30, or 60 days late prior or no notice of me being late was ever SENT TO ME. NAVIENT WAS SUED IN XXXX What is the Navient lawsuit? The U.S. Consumer Financial Protection Bureau and the Illinois and Washington attorneys general sued Navient in XX/XX/XXXX. Pennsylvanias attorney general filed a suit in XX/XX/XXXX. The California and Mississippi attorneys general filed suits in XXXX and XX/XX/XXXX, respectively. Among other things, the CFPB alleges that since at least XX/XX/XXXX, Navient has : Misallocated payments Steered struggling borrowers toward multiple forbearances instead of income-driven repayment plans, and Provided unclear information about how to re-enroll in income-driven repayment plans and how to qualify for a co-signer release. So how were you able to verify these inaccurate late payments are correct?? Where is the proof

I am a victim of identity theft please remove this fraud inquiry from my credit report.

EQUIFAX, XXXX AND XXXX HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.

Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

William & Fudge keeps calling me and my spouse. They claim I owe money from a balance of about {$600.00} to XXXX University. I attended XXXX XX/XX/1998. I also contacted the school, 7 years ago because of the hold I had on my account, and they told me that it was an error and released my transcripts. It seems to me that Williams and Fudge has tried to add to the balance of a debt they bought from XXXX.

I am filing this report because I was made aware of a XXXX XXXX account appearing on my credit that doesn't belong to me. I got my credit ran because I am trying to buy a new car, however, I am unable to do so because of this account that does not belong to me reflecting badly on my credit. I wasn't even aware of this accounts before today XX/XX/2020 because I don't monitor my credit regularly. This account is not mine and I did not allow anyone to open it in my name nor did I benefit anything from this account such as money, goods, services or any other benefit. I have never opened an account with that company nor do I have any written or verbal contract with them. I got some of my personal information stolen about 8 years ago from my work locker ; they stole my wallet which has my social security card, ID and some debit/credit cards in it at the time. I filed a police report regarding this unauthorized account.

I submitted a letter to the XXXX and Transunion Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$4700.00}

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX account was used without permission, IRS Tax Fraud was commenced by all involved parties and XXXX XXXX XXXX filed a dispute and was denied access to his funds which were government issued with insurance coverage and IRS TAX EXEMPTION VOUCHERS.

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

On XX/XX/2020 I contacted the credit bureaus about an inaccurate credit account by the name of XXXX under XXXX XXXX XXXX in a amount of {$2600.00} which does not belong to me.

XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$9300.00} XXXX XXXX XX/XX/XXXX {$5900.00} XXXX XXXX XX/XX/XXXX {$5200.00} XXXX XXXXXX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$4200.00} XXXX XXXX XX/XX/XXXX {$3400.00} XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XX/XX/XXXX {$3000.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1300.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX had a lawsuit in XXXX. The for-profit company that operates XXXX XXXX Colleges in XXXX, XXXX and XXXX has agreed to reform its recruiting and enrollment practices and forgive more than {$4.00} million in loans for 3,389 former Kentucky students.Kentucky Attorney General XXXX XXXX and other attorneys general Monday announced a settlement in which XXXX XXXX XXXX. will forgive {$100.00} million in outstanding loan debt held by more than 80,000 former students. The state and federal settlement with one of the nation 's largest for-profit college chains resolves allegations it defrauded taxpayers out of {$11.00} billion. The agreement is expected to provide an average of {$1300.00} per student in loan forgiveness. *Indiana Attorney General XXXX XXXX said the deal will provide {$5.00} million in loan forgiveness to 5,530 Indiana students of XXXX XXXX College and XXXX XXXX XXXX, i also did not receive my {$1300.00}. Due to this XXXX XXXX closed my accounts but did not remove them. I would like them removed also

I went to a car dealership. They applied loans for me to many banks and credit unions without my authorization. So, I got unauthorized inquiries on my credit reports

I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to XXXX for my XXXX because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent. My information was hacked in their data breach.

I have sent numerous letters, they don't seem to even do anything with them. Their response is that they could not verify it was me, even though my license and social security was attached to each letter. Could not verify do to the wrong information on my credit report. They could of just fixed it with my license and social, you would think. Very frustrating to know that people can just do what they want with your credit information. One of my reports says I have 118 % credit utilization. I have no credit cards, no mortgage, I do not have a car payment. But somehow I have used 118 % of my credit.

Was told to fill out paperwork on the internet to lease an apartment for college. I was never approved for the apartment. My father was not approved as a guarantor. I received a collection notice 2 months later for a sublet fee of XXXX dollars. I called the collection agency and they do not have the paperwork to show where I owe a sublet fee, they said my application has approved all over it. The apartment complex says they can not talk to me once it has gone to collections. I was never called and never received a notice which they said they mailed for the amount owed. I was never approved so how or they going to charge me to sublet the apartment? This is fraud.

XXXX XXXX card has not updated my balance which is XXXX $ with the credit bureaus.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXX XXXX XXXX XXXX : {$530.00}

Upon checking my updated report, the accounts listed below are still showing on my credit report. I have already sent out letters to Experian Bureau for them to verify and investigate those accounts. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX Bankruptcy Status : Discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX {$0.00} ( XXXX XXXX bankruptcy ) XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ( XXXX XXXX bankruptcy )

XX/XX/2022 - received letter from I.Q. Data International , Inc. falsely claiming I owed {$990.00} of rent debt from XXXX XXXX XXXX XXXX response contesting this debt sent immediately, phone call made a few days later, email sent to their disputes department on XX/XX/2022 documenting final rent payment and statement sent to landlord for discontinuing lease at the date stated in the lease agreement. Nothing for two months. Never received any written or emailed response. On XX/XX/2022 phone calls made under fake numbers ( numbers with area codes identical to our phone numbers as opposed to the debt collections number ) to myself, fianc, and an old emergency contact from the lease. Debt collectors now saying I need more proof that I owe nothing after them not being able to successfully contact XXXX XXXX XXXX. No. I don't have a screenshot of the final {$0.00} ledger because typically {$0.00} means {$0.00} and not debt collections on a false {$990.00} debt. I have opened up a small claims case against I.Q. Data International , Inc. and XXXX XXXX XXXX ( XX/XX/2022 ) for the {$990.00} falsely claimed to be owed.

in accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX, XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX, XXXX XXXX USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.

I have been a victim of identity theft and I am attaching copies of the FTC Report that I submitted to the credit bureau.

I got these accounts that are not mine and i want them to be deleted from my credit. 1. Identity Theft XXXX Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

I had a secured credit card with Wells Fargo from XXXX to XXXX. Only recently did I find out that they were reporting on the 3 credit bureaus as if I currently had an account with them. I reached out to Wells Fargo on several occasions about this and each time I am told they have no record of me in their systems. On XX/XX/XXXX I wrote a letter and went into the branch to have it faxed. I also wanted to inquire on whether or not the funds from my secured credit card were returned to me. It is difficult for anyone to find out due to the fact that they can not find any record of me having an account with them. I do not owe Wells Fargo any money and closed the account on my own admission.

AES is reporting old AESXXXX accounts with a XXXX balance to my XXXX and XXXX credit reports that should have been removed after loan rehabilitation was completed on the accounts in XXXX of last year. These listing are also reported to the credit bureaus as duplicate accounts often, which significantly negatively impact my credit score and prevent me from renting a home for shelter and opening new lines of credit.

I XXXX XXXX, consumer, and original creditor, sent ONEMAIN FINANCIAL an affidavit of truth stating violations that where taken place by them regarding my consumer report. ONEMAIN FINANCIAL is in. violation of 15USC 1681a ( 2 ) ( A ) ( i ) for reporting transactions or experiences between the consumer and the person making the report is EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1681a ( 2 ) ( A ) ( iii ) as I was not given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. ONEMAIN FINANCIAL is also in violation of 15USC 1681 ( 2 ) ( B ) as any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device is also to be EXCLUDED from a consumer report. ONEMAIN FINANCIAL is also in violation of 15USC 1611 for criminal liability for willful and knowing.

I have received a collection letter because the XXXXXXXX XXXX in XXXX, Georgia, failed to properly close my account despite my in-person request and confirmation it was officially closed. I went to the branch located in XXXX grocery store on XX/XX/15 to close the account, reported the debit card lost and brought my account balance to XXXX. Weeks later, I received a letter my account was overdrawn. I called customer service to find out my account was not closed, and the debit card was still active. The collection letter is from Convergent Outsourcing requesting a debt I do not owe.

Around XX/XX/XXXX I attempted to close my credit account with Wells Fargo. Believing the account closed, I securely disposed of my card. Around XX/XX/XXXX my closed card was charged from a streaming service that was authorized to make a charge by me in the previous year. This charge was {$59.00}. I had not taken steps to stop this transaction because I believed the credit card to be inactive and unable to be charged. Upon calling Wells Fargo around XX/XX/XXXX, I was informed the account was not closed and I ended up asking the account to be closed again. They said the charge was going to be disputed with the streaming service merchant. They " closed '' the account. On XX/XX/XXXX I was informed that I needed to affirm my " new credit card '' from Wells Fargo. Upon inspecting the web portal it became apparent that Wells Fargo had issued me a new card, without any authorization from myself, for my " closed account. '' On XX/XX/XXXX I called Wells Fargo a third time. They informed me the account was still not closed and were surprised to hear I had not requested another card. I asked them if the account was closed. They said no. I had them " close '' the account once more. To my knowledge the {$59.00} is still being disputed.

I have an open car loan with Bridgecrest through XXXX. I got into an accident XX/XX/XXXXXXXX and my vehicle I was financing was deemed total loss on XX/XX/XXXX. My current loan balance at that time on XX/XX/XXXX was {$17000.00}. My remainding balance was paid in full by both XXXX XXXX insurance and XXXX XXXX ( XXXX ) coverage. I also was due a refund from XXXX for {$490.00} which was paid to my account on XX/XX/XXXX leaving my balance at {$17000.00}. {$17000.00} - XXXX ( XXXX ) = {$14000.00}. {$14000.00} - XXXX - XXXX ( XXXX XXXX XXXX checks ) = {$690.00} on XX/XX/XXXX. From this point there should be no interest involved but there is and all my payments were being heavily thrown towards interest by Bridgecrest when I told them I wanted multiple payments put mostly or only towards principal which would leave me with no more interest. {$690.00} - {$450.00} ( the payment I made on XX/XX/XXXX ) and minus {$410.00} ( the payment made on XX/XX/XXXX ) leaves my balance at- {$170.00}. This means Bridgecrest owes me {$170.00}. Not only has Bridgecrest not reported that I made payments at all from XXXX through XXXX. Both insurance checks were paid and received in XXXX on the XXXX, XXXX and the XXXX check was paid and received on XX/XX/XXXX. Not only am I being flagged for late payments of 60 days but today is XX/XX/XXXX and I am just now receiving info on how to close account but the account should have been closed in XXXX if not the latest XXXX. I should be nowhere near 60 days late for a car I totaled XXXX months ago. Do not do business with Bridgecrest. The thing is this process took way too long for simple tasks that should be completed much sooner if worked on with diligence. I stayed in constant communication and there was no transparency, as a matter of fact I was told I was not in credit bureau danger on multiple phone calls ; I was lied to then comforted on another call that it would all be changed at the end when it should never be wrong in the first place. Just plain out bad business.

I have sent disputes to Equifax regarding this collection on my credit report from XXXX XXXX XXXX XXXX XXXX ) this account has not been updated since XX/XX/XXXX on Equifax and XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX so it has not been accurately validated like Equifax and XXXX says it was, I am questioning the validity of this account and I want it removed from all 3 credit bureaus as they are both displaying inaccurate information Also I sent in validation of late payments on this account listed XXXX XXXX XXXXXXXX and XXXX on the other account, all listed under account number XXXX stating that I was late 120 days. This info is inaccurate and I want proof sent of the validity of this account, it is inaccurate and needs to be removed from all 3 credit bureaus as well as it is listed under two different creditor names, this information is inaccurate and the account shoudl be removed from all 3 credit bureaus.

I received an email purportedly from Paypal ( which I now believe to be a phishing email ) about a alleged purchase I made through the Paypal service using a credit card issued by XXXX XXXXXXXX. I called the number ( mistake number two on my part ) and an agent answered the phone as customer service and preceeded to help me. He said to go to a website ( XXXX ) and download their software so that he could remotely get into my PC, which I did. the next thing I know he said he removed the charge and replaced it with this charge : XX/XX/2023 PAYPAL XXXX {$820.00}. so I cancelled the credit card being used and replaced it with another as they said that they needed a way to reimburse me. As I talking with him I see the same ampoount charged to the new card, which I did not authorize. I then called XXXX XXXX to report both Frauds.I also called the corredt number for Paypal and put in a Fraud claim for both charges. I just received the following email from Paypal and you can see my reply to them. I called the number I have for the fake Paypal employees and the message said that the text-now user was unavailable. I called from another phone number I have and they answered and said that they were still wirking on my case and would let me know in XXXX hours. I threatened legal action if it was not resolved to my satisfaction. The number I have for the fake Paypal employees is XXXX and I have been speaking to XXXX ( I am sure not his real name ). Please help as I am a XXXX XXXX XXXX XXXX man and I also believe this is elder abuse. XXXX XXXX XXXX. Hello, XXXX XXXX PayPal An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. You also previously appealed this case and it was denied. The appealed case ID is XXXX XXXX Based on our review, we found this transaction is consistent with your PayPal payment history. Based on our review, we found this transaction is consistent with your PayPal history. For more information about these cases, log in to your PayPal account and go to the XXXX XXXX. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. PayPal XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to claimappeal I am not sure how you denied this claim, I did not authorize this charge, then I was scammed by two individuals pretending to be Paypal customer service representatives. They are using- a burner phone by a Text Now service, I am quite sure that Paypal would not use these two individuals. Further I have very rarely used Paypal and I did not in these two instances, ple-ase review it again and call the number I provided to your agent as the Paypal customer service XXXX and review the obvious phishing email I received that started this issue ( copy below ).