| and proof of accuracy. | 1 | 0.0% | I disputed this account with all three credit bureaus ( Experian |
| and proof of acquisition by assignment or purchase. 6. If this debt was purchased a copy of the purchase contract from the original creditor. 7. What did you pay for this account | 1 | 0.0% | and what was the account number? 2. What was the original amount owed? Please provide complete payment history |
| and proof of address | 1 | 0.0% | I was informed that the only available refund method was a mailed check |
| and proof of address ) | 1 | 0.0% | and my mail was fraudulently forwarded without my consent |
| and proof of address as requested. Despite this | 1 | 0.0% | I submitted a dispute by mail to Equifax |
| and proof of address multiple times. I have completed text verification | 1 | 0.0% | Equifax has locked my online account |
| and Proof of Address. | 6 | 0.0% | this letter is a Formal Request to remove all other names |
| and proof of address. I also notified XXXX Bank and the credit bureaus that the account was fraudulent and requested removal under the FCRAs identity-theft blocking provisions. | 1 | 0.0% | and on XX/XX/year> |
| and proof of address. Under FCRA 1681c-2 ( a ) | 1 | 0.0% | 607 ( b ) |
| and proof of any alleged late payment. If verification can not be provided | 3 | 0.0% | and these false late payment notations have caused me multiple loan denials |
| and proof of chain of title. | 1 | 0.0% | I received a debt collection notice from NCB Management Services |
| and proof of claim for pre-petition arrearages on this account : 1.Whatmonth is Shellpoints proof of claim arrearage for {$620.00} for Principal andInterest? Shellpoint Pre-petition arrearage amount. | 1 | 0.0% | Shellpoints letter states XX/XX/XXXX |
| and proof of contact with the merchant. However | 1 | 0.0% | we attempted to work with American Express to resolve these discrepancies. We filed multiple disputes |
| and proof of credit authorization. I never received it. This should have been removed. | 3 | 0.0% | as they were opened fraudulently without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX have reported accounts as charge-offs or in collection without my consent or notification |
| and proof of delivery | 1 | 0.0% | the buyer received the item in question |
| and proof of how the amount was calculated. Rent Recovery responded vaguely | 1 | 0.0% | I am requesting the original timeline of all disputes and verifications submitted regarding this account |
| and proof of identity ) to their corporate email for further review. I have also not received a response from the XXXXXXXX XXXX XXXXXXXX XXXX. | 1 | 0.0% | I contacted Rent Recovery Solutions again on XX/XX/year> to discuss the pending collections action and my proof of identity theft. I left a voicemail for the assigned representative to demand that Rent Recovery Solutions cease the collection action ; however |
| and proof of identity.,Company believes it acted appropriately as authorized by contract or law,Kikoff Inc.,FL,32208,,Consent provided,Web,2025-06-30,Closed with explanation,Yes,N/A,14365521 | 1 | 0.0% | a consumer reporting agency may only furnish a report under written instructions from the consumer. I did not provide such authorization for Kickoff Lending LLC to report this debt. Additionally |
| and proof of identityall of which included the necessary file numbers. Despite this | 1 | 0.0% | and fraudulent accounts with XXXX |
| and proof of lawful debt ownership. | 1 | 0.0% | outdated |
| and proof of legal authority to report the debt. | 1 | 0.0% | specifically stating that the furnisher must provide documentary evidence including a signed lease |
| and proof of legal transfer or assignment of the debt. | 2 | 0.0% | XXXXXXXX XXXX XXXXXXXX Creditor Phone : XXXX Date Account Reported : XX/XX/XXXX I am disputing a collection account reported by XXXX XXXX XXXX XXXX credit report. The account was reported on XX/XX/XXXX |
| and Proof of licensing and bonding to collect in the State of Florida. | 1 | 0.0% | non-substantive responses that fail to comply with the validation requirements of 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) under the Fair Credit Reporting Act ( FCRA ). Despite multiple written requests |
| and proof of my authorization. | 1 | 0.0% | yet I have no knowledge of these accounts |
| and proof of my inclusion in the XXXX XXXX XXXX XXXX,Company has responded to the consumer and the CFPB and chooses not to provide a public response,CITIBANK | 1 | 0.0% | Citibank has refused to block or remove this fraudulent account and continues to furnish it to the credit bureaus. This is a violation of my rights under the FCRA. The continued reporting of this account has damaged my credit |
| and proof of notification prior to reporting the debt to credit bureaus. | 1 | 0.0% | I sent Equifax a detailed letter requesting validation for each of these debts |
| and proof of ownership | 1 | 0.0% | yet I have no recollection |
| and proof of ownership. | 3 | 0.0% | the continued reporting of unverifiable |
| and proof of ownership. TransUnion again responded on XX/XX/XXXX with the same outcomeaccounts marked as verifiedwithout supplying any documentation. | 1 | 0.0% | 2025 |
| and proof of payment for my XXXX and XXXX mortgage payments. I immediately responded with all the information asked for. | 1 | 0.0% | I finally received a response on XX/XX/XXXX from the Loan Specialist |
| and proof of residency and home ownership. | 1 | 0.0% | and no longer have any family or friends there- we literally have to that area. I can not tell you the last time I stepped foot in XXXX or the surrounding area. I am XXXX XXXX wife |
| and proof of residency and home ownership.,,Resurgent Capital Services L.P.,TX,758XX,Older American,Consent provided,Web,2025-05-11,Closed with non-monetary relief,Yes,N/A,13454992 | 1 | 0.0% | and no longer have any family or friends there- we literally have to that area. I can not tell you the last time I stepped foot in XXXX or the surrounding area. I am XXXX XXXX wife |
| and proof of responsibility Legal Backing FCRA XXXX ( a ) ( XXXX ) ( A ) : XXXX reinvestigation requirement FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) : Right to a statement of results FCRA XXXX ( a ) ( XXXX ) : Right to MOV upon request FCRA XXXX ( b ) : Obligation to maintain maximum possible accuracy FCRA XXXX ( a ) XXXX XXXX ) ( D ) : CFPB-filed disputes are equivalent to written disputes FCRA XXXX & XXXX : Willful and negligent noncompliance entitles me to statutory damages | 2 | 0.0% | in violation of FCRA XXXX ( b ) I Also Request the Following Immediately ( as required by FCRA XXXX ( a ) ( XXXX ) ) : A full Method of Verification ( MOV ) report for this account |
| and proof of service ). LexisNexis failed to provide such documentation. | 1 | 0.0% | once a dispute is submitted |
| and proof of the balance on the move-out date | 1 | 0.0% | GA XXXX Toll Free : XXXX Email : XXXX XXXX XXXX XXXX purchased an incorrect debt amount from XXXX XXXX XXXX |
| and proof of the XXXX Data Breach ( Engagement Number : XXXX ). | 1 | 0.0% | and they have failed to correct the issues. Because of this |
| and proof of their legal authority to collect. They have not provided any of this | 2 | 0.0% | they refused to provide written validation of the debt |
| and proof of transfer ) | 1 | 0.0% | XXXX |
| and proof of your legal right to collect this debt 11. For the XXXX XXXX XXXX account ( XXXX ) : Complete documentation of the purchase of this debt from XXXX XXXXXXXX XXXX XXXXXXXX | 1 | 0.0% | I have the right to request validation of the debts you are attempting to collect. Therefore |
| and proof that Bull City Financial Solutions has the legal authority and assignment to collect this debt. | 1 | 0.0% | specifically 15 U.S.C. 1692g ( b ) |
| and proof that CreditFresh has the authority to collect and report this debt. No validation has been provided. | 1 | 0.0% | in violation of FDCPA 809 ( a ). After discovering the account |
| and proof that I am contractually responsible for the account ( s ) in question. | 2 | 0.0% | 15 U.S.C. 1681 et seq. |
| and proof that I lawfully owe this debt | 1 | 0.0% | which I do not recognize Story : I dispute this account as inaccurate and unverifiable. I do not recall ever entering into a legal obligation for this amount. Without a contract signed by me |
| and proof that Online Information Services has the legal right to collect this debt. | 1 | 0.0% | 15 U.S.C. 1692g ( b ) |
| and proof that Sequium Asset Solutions was legally authorized to collect the debt. I reiterated that the debt was disputed. | 1 | 0.0% | I sent Sequium Asset Solutions a formal written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) |
| and proof that System and Services Technologies | 1 | 0.0% | Inc. regarding a debt they claimed I owed. I immediately disputed the debt |
| and proof that the collection agency is licensed to legally collect the debt. Both the credit bureaus and the collection agency have refused to provide this information | 3 | 0.0% | 18 U.S. Code 1028 |
| and proof that this debt is valid and collectible. If Experian can not verify with original documentation | 1 | 0.0% | incomplete |
| and Proof that this debt was properly assigned or purchased from the original creditor ( XXXX XXXX ). | 1 | 0.0% | and I have no record or verified documentation supporting the validity of this debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) |
| and proper application of these charges. | 1 | 0.0% | including PPM ( Prepaid Maintenance/Product Protection ) |