| and unsupported by proper verification. | 2 | 0.0% | even though the account is current and was previously marked as dispute resolved. Equifax also continues to report late payments on Account No. XXXX |
| and until such time all sums have been remitted towards the outstanding balance due | 1 | 0.0% | this letter is nonetheless being sent to instruct Account Debtor in accordance with UCC 9-406 and UCC 9-607 |
| and until the last one | 2 | 0.0% | including the purchase in dispute |
| AND UNVALIDATED ACCOUNT INFORMATION has led to my being DENIED CREDIT ON MULTIPLE OCCASIONS | 2 | 0.0% | REMAINING LOW and EXPERIENCING FURTHER DECREASES TO THIS DATE A DIRECT RESULT OF THE ACCOUNTS STATED HEREIN APPEARING IN MY TRANSUNION CRF. THIS FALSE |
| and unvalidated debt | 1 | 0.0% | yet the Department of Education tells me balance is 3 times what I borrowed. They refuse to provide any records to validate my debt |
| AND UNVALIDATED INFORMATION ACCOUNTS stated herein appearing on my EQUIFAX CRF. ( Please See Supporting Documents | 1 | 0.0% | EQUIFAX received a 2ND & FINAL NOTICE and REQUEST FOR REINVESTIGATION FOR FALSE |
| AND UNVALIDATED INFORMATION ACCOUNTS stated herein appearing on my TRANSUNION CRF. ( Please See Supporting Document XXXX XXXX Mail Return Receipt Tracking XXXX XXXXXXXX & Letter Addressed to TRANSUNION in IL & PA ) A copy of IRS Form 1099-C Form/Document from a previous CREDITOR/LENDER ACCOUNT DELETED FROM MY CONSUMER REPORTING FILE was attached thereto for Reference purposes to show that ONCE AN ACCOUNT/DEBT HAS BEEN REPORTED AS CANCELED DEBT | 1 | 0.0% | TRANSUNION received a 2ND & FINAL NOTICE and REQUEST FOR REINVESTIGATION FOR FALSE |
| AND UNVALIDATED INFORMATION IN MY TRANSUNION CONSUMER REPORT FILE IN VIOLATION OF FCRA I | 1 | 0.0% | IL XXXX CFPB FORMAL COMPLAINT AGAINST TRANSUNION FOR FRAUDULENT CREDIT REPORTING & FAILURE TO INVESTIGATE/REINVESTIGATE FALSE |
| and unverifiable | 3 | 0.0% | I discovered several errors |
| and unverifiable charge-offs be corrected | 1 | 0.0% | the inclusion of these errors on my credit report has introduced significant inaccuracies that misrepresent my credit profile. These errors may lead to negative consequences in my ability to access fair lending |
| and unverifiable data | 1 | 0.0% | XXXX XXXX / XXXX Collection ( NO personal details included ) Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute Request for Permanent Deletion XXXX XXXX XXXX XXXX Collection Account FCRA 602 |
| and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. | 2 | 0.0% | incorrect date of first delinquency |
| and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 XXXX ability of the consumer to dispute information directly with the furnisher. | 1 | 0.0% | incorrect date of first delinquency |
| and unverifiable information | 3 | 0.0% | Experian |
| and unverifiable information appearing on my consumer credit report as a result of a data breach involving my personal identifying information. | 1 | 0.0% | DE XXXX By mail only This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX |
| and unverifiable information can not be retained. The continued reporting of unverified late payments directly violates federal law. The account also violates FCRA 602 ( A ) | 1 | 0.0% | and no verified proof has been provided. Under the Fair Credit Reporting Act 623 ( a ) ( 1 ) |
| and unverifiable information can not be retained. The continued reporting of unverified late payments directly violates federal law. The account also violates FCRA XXXX ( A ) | 2 | 0.0% | and no verified proof has been provided. Under the Fair Credit Reporting Act XXXX ( a ) ( XXXX ) |
| and unverifiable information on my credit report. | 1 | 0.0% | XXXX |
| and unverifiable information on my Experian credit report. These reporting practices constitute violations of the Fair Credit Reporting Act ( FCRA | 3 | 0.0% | TX XXXX Subject : Formal Dispute of Credit Reporting Violations of the Privacy Act of XXXX |
| and unverifiable information. | 3 | 0.0% | TransUnion |
| and unverifiable or inaccurate entries must be deleted. The presence of late payments on a XXXX balance account demonstrates negligence in reporting. Section XXXX ( A ) emphasizes fairness | 2 | 0.0% | which is contradictory and misleading. Under FCRA XXXX ( b ) |
| and unverifiable or inaccurate entries must be deleted. The presence of late payments on a zero balance account demonstrates negligence in reporting. Section 602 ( A ) emphasizes fairness | 1 | 0.0% | which is contradictory and misleading. Under FCRA 607 ( b ) |
| and unverifiable under the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards. | 3 | 0.0% | ___________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX |
| and unverifiable. | 1 | 0.0% | VA XXXX XXXX XXXX XXXX XXXX XXXX |
| and unverifiable. Please conduct a re investigation and provide documentation substantiating their accuracy. If you can not fully verify each item | 1 | 0.0% | XXXX XXXX |
| and unverifiable. Please provide written confirmation of deletion within 30 days | 1 | 0.0% | in violation of the Fair Credit Reporting Act ( FCRA ) 1681i and 1681s-2 |
| and unverifiable. Such misreporting is inconsistent with the FCRA requirement that furnishers provide accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and with responsibility to maintain maximum possible accuracy for all consumer information.,,EQUIFAX | 1 | 0.0% | DEPT OF EDUCATIONXXXX XXXX |
| and unverifiable. Such misreporting is inconsistent with the FCRA requirement that furnishers provide accurate information under FCRA 623 ( a ) ( 1 ) ( A ) and with responsibility to maintain maximum possible accuracy for all consumer information.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | DEPT OF EDUCATIONXXXX XXXX |
| and unverifiable. You must provide complete validation | 1 | 0.0% | investigation |
| and unverifiable.,,World Acceptance Corporation,SC,29205,,Consent provided,Web,2025-11-25,Closed with explanation,Yes,N/A,17918107 | 1 | 0.0% | missing required details |
| and unverified account to resurface directly violates that standard. | 1 | 0.0% | Equifax is required to notify me in writing within five business days if a previously deleted account is reinserted. That never happened. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) |
| and unverified as there is absolutely no evidence or proof of my authorization of a permissible purpose. | 3 | 0.0% | and they claim they have no proof either |
| and unverified debt.,,Resurgent Capital Services L.P.,TX,76017,,Consent provided,Web,2025-07-20,Closed with non-monetary relief,Yes,N/A,14784695 | 1 | 0.0% | and I dispute both the validity of this debt and the right of these companies to collect on it. The current communication fails to provide any documentation to validate the debt |
| and unverified information be deleted immediately! | 3 | 0.0% | NY XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Past Due Amount : {$690.00} Payment Amount : {$0.00} Payment Status : Late 120 Days Term Length : 0 The derogatory information above was never verified to be accurate |
| and unverified information that I dispute in its entirety. | 1 | 0.0% | Alabama XXXX XXXX XXXX Date : XX/XX/XXXX Equifax Information Services |
| and unverified items must be removed. I have disputed this multiple times | 3 | 0.0% | Experian and Equifax credit report contain inaccurate information that I have repeatedly disputed : XXXX XXXX ( Account Number : XXXX ) Date Reported : Not Provided Balance : {$160.00} Details : This collection account reports a balance of {$160.00} |
| and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. | 9 | 0.0% | the consumer |
| and unwarranted information. XXXX XXXX disclosed a substantial amount of private information regarding our financial situation to our realtor | 1 | 0.0% | XXXX XXXX with XXXX |
| and unwilling to acknowledge the fraudulent nature of the debt. | 1 | 0.0% | I disputed the charge with my bank |
| and unwilling to hear my position or take responsibility for repeatedly calling me under false pretences.,,Navient Solutions | 1 | 0.0% | XX/XX/XXXX I received 3 separate phone calls from the number XXXX. One at XXXX |
| and up to date please DELETE this item immediately. | 7 | 0.0% | last reported |
| and up to this point - was told I could not. Now | 3 | 0.0% | I could not reach XXXX |
| and up to this point any transactions Ive ever done with XXXX has always been spot on. As soon as I enact this card that is supposed to be free transfers | 1 | 0.0% | is short at least XXXX cents {$0.00} sometimes even a dollar or XXXX. I have not been able to find the percentage that they are holding back |
| and up to today I was charged XXXX in interest. All the payment of XXXX that I have made for 20 years | 1 | 0.0% | I talk with XXXX XXXX a manager from XXXX XXXX. XXXX XXXX and I made arrangement for me to start making my mortage payments in the amount of XXXX a month for 6 months starting XX/XX/XXXX. Knowing XXXX was a lot on me to pay that amount every month for 6 months I agree to it because I was trying to get all of this behind me. I call XXXX XXXX back a couple of days before the XXXX of XX/XX/XXXX to speak with XXXX XXXX. Instead of talking to XXXX XXXX I talked to a lady name XXXX. XXXX got on the phone and told me XXXX XXXX no longer works for XXXX XXXX. I ask XXXX if XXXX was going to stand by the arrangement that XXXX XXXX and I agree to. She was rude and didn't do anything but fussed at me and told me she was not standing by the arrangement we had and threaten to foreclose on me if I didn't come up with XXXX dollars. Now for the second time XXXX XXXX has broken the arrangement on helping me to bring my mortgage current over something XXXX created for me getting further behind. At this point I'm starting to believe that XXXX XXXX only wanted to take my home and land from meXXXX XXXX due to them backing out of XXXX arrangements that we had. What kind of mortage company backs out of arrangement on two different agreements? Now because XXXX XXXX backing out of arrangements and NOT sending me the notice about XXXX XXXX taking over my mortgage. And due to XXXX XXXX refusing to take any payments from me/XXXX XXXX XXXX and according to the statement i have gotten from XXXX XXXX |
| and up-to-date ( 15 U.S.C. 1681c ). | 4 | 0.0% | XXXX XXXX claimed to have written off a remaining balance on the account as a loss. However |
| and up-to-date as of XX/XX/XXXX. | 1 | 0.0% | Tx. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Kikoff Inc Account Services XXXX XXXX XXXX XXXX |
| and up-to-date documentation from the original creditor.,,EQUIFAX | 1 | 0.0% | includingbut not limited toincorrect dates |
| and up-to-date information | 1 | 0.0% | which explicitly states |
| and up-to-date information remains on my report. | 2 | 0.0% | any outdated |
| and upcoming escrow disbursement which was scheduled for yesterday XXXX ). Today I discovered that Movement didn't disburse payment as was planned/recorded just last week. In fact | 1 | 0.0% | proof of insurance is invalid |