| confirmed verifiable and validated claims testifiably asserted to that aforementioned maximum possible accuracy and completeness. | 44 | 0.0% | ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices |
| confirming a fraud alert that I had placed by phone and additionally requesting a security freeze. My letter included a XXXX form and a utility bill that show my SSN ( on the XXXX ) and my current address ( on both documents ) | 1 | 0.0% | XXXX that information including my name |
| confirming a response would be sent to me within 2 days. In addition | 1 | 0.0% | and specifically asked for missing information such as my Name |
| confirming address.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SYNCHRONY FINANCIAL,MI,488XX,,Consent provided,Web,2020-05-26,Closed with explanation,Yes,N/A,3669217 | 1 | 0.0% | I have provided Bank information |
| confirming compliance with statutory notification requirements. | 4 | 0.0% | debt collectors are obligated to furnish consumers with a written notice within five days of initial contact |
| confirming continued account activity beyond what TD Bank has reported. | 1 | 0.0% | which contradicts the payment activity posted on my Experian credit report. My credit report shows that payments for XXXX |
| confirming deactivation evasion | 1 | 0.0% | linking active bills and bank accounts ) |
| confirming I have been attempting to have an Alert placed on my credit reports due to suspicious activity. | 1 | 0.0% | I also had a membership with XXXX in XXXX |
| confirming Jefferson Capital Systems LLC is authorized to collect and report the alleged debt ; 5. The * * date of default * * | 1 | 0.0% | I submitted written debt validation requests to both XXXX XXXX and Jefferson Capital Systems LLC. I requested the following information and documents |
| confirming my XXXX XXXX status and XXXX eligibility. AMEXs refusal to reassess XXXX benefits for my XXXX card | 1 | 0.0% | the critical issue lies with AMEXs application of the XXXX. In XX/XX/XXXX |
| confirming that : There was nothing wrong with my money There was nothing wrong with my account The issue was isolated to the malfunctioning XXXX XXXX ATM Despite locating a working ATM | 2 | 0.0% | I would have been able to complete the deposit quickly |
| confirming that both our identity and our business were legitimate. | 1 | 0.0% | we submitted and signed a full merchant services application. This included our verified Social Security Numbers |
| confirming that I have no tax obligation for the tax year 2024. | 1 | 0.0% | after noticing no adjustments |
| confirming that my construction was in compliance with the community standards. | 1 | 0.0% | I promptly requested a meeting with the XXXX XXXX to discuss and resolve the issue. ( Exhibit XXXX ) On XX/XX/XXXX |
| confirming that my physical card was lost or stolen | 1 | 0.0% | XXXX within the XXXX reporting period required by 12 C.F.R. 1005.6 ( b ) I notified you in writing ( attached as Exhibit A ) of XXXX unauthorized EFTs occurring between XX/XX/year> |
| confirming that our full mortgage payment plus an additional {$100.00} to principal ( total of {$3000.00} ) was deducted and sent to LoanCare on XX/XX/XXXX. LoanCare then did send that money to XXXX XXXX | 1 | 0.0% | we received a letter from LoanCare |
| confirming that the account was compromised. | 1 | 0.0% | an unauthorized debit-card transaction for {$2400.00} was made through an online ticket merchant. I immediately contacted Wells Fargo |
| confirming that the alleged obligation had been canceled. | 1 | 0.0% | did not notify me of any proper refusal |
| confirming that the debt is not valid and should not be reported on my credit file. ( See Exhibit Y ) I have mistreated and disregarded by the above mentioned entities and forced to file an identity theft report with the Federal Trade Commission ( FTC ) as these entities have used my name for unjust profits while slandering my reputation. ( See Exhibit Z ) STATEMENT OF FACTS : On XX/XX/XXXX | 1 | 0.0% | Experian has failed to take similar action despite being provided with the same information. Experian has failed to conduct a proper investigation of my dispute and continues to publicize inaccurate information |
| confirming that the dispute had been opened. | 1 | 0.0% | which I submitted in XX/XX/XXXX |
| confirming that there is no single | 1 | 0.0% | different account opening dates |
| confirming that this is a misidentification caused by faulty third-party data. Nonetheless | 1 | 0.0% | a public records website ( XXXX ) incorrectly links my identity to XXXX XXXX XXXX at an address XXXX XXXX XXXX |
| confirming the account was inaccurately attributed. | 2 | 0.0% | I provided IRS Notice XXXX and a XXXX XXXX letter dated XX/XX/XXXX that clearly confirms the account was closed due to age |
| confirming the failure originated internally. | 1 | 0.0% | the unit experienced a sudden and severe water failure originating from inside the tub structure. XXXX actively leaked from beneath the unit and from internal foam-insulated cavities |
| confirming the filing dates | 1 | 0.0% | none of the bureaus produced any of the certified documents that would normally accompany a verified bankruptcy record. These documents include : a certified copy of the petition |
| confirming the legitimacy of my claim. | 2 | 0.0% | used |
| confirming the transfer of this debt to your company. | 1 | 0.0% | I am writing to formally request validation of the debt associated with account number XXXX in accordance with the Fair Debt Collection Practices Act ( FDCPA ) |
| confirming they received the package or confirming they were actually investigating. In or around XXXX of XXXX | 1 | 0.0% | IF YOU STILL DON'T UNDERSTAND CALL ME I originally filed several disputed back in or around XXXX or XXXX of XXXX. Citi Bank dropped the ball after receiving the disputes. Shortly after I had fraud committed on the account and was completely locked out from accessing XXXX - XXXX statements for the year of XXXX. Citi bank could not access these records either. It took them at least 6 months to get me these statements. After receiving the statements in question |
| confirming this as a clear FDCPA violation. If Spring Oaks reported this debt without such notices | 1 | 0.0% | 1692f ) : As established in FTC v. Midwest Recovery Systems |
| confirming this as a clear FDCPA violation. If XXXX XXXX reported this debt without such notices | 1 | 0.0% | XXXX ) : As established in FTC XXXX XXXX XXXX XXXX |
| confirming unauthorized ownership and lack of consent. Despite complaints to the Consumer Financial Protection Bureau ( CFPB ) and other agencies | 1 | 0.0% | and your failure to disclose the Deposit Agreement as a contract transferring ownership violates the Truth in Savings Act ( 12 CFR Part 1030 |
| confirming your receipt. ) On XXXX XXXX | 1 | 0.0% | XXXX |
| confirms dishonor | 1 | 0.0% | under the Bankers Manual and internal Uniform Bank Handling Procedures |
| confirms my true address. Under 15 U.S.C. 1681i | 1 | 0.0% | CA XXXX This address has never been associated with me. It is inaccurately reported as my residence and misrepresents my personal history. Misreporting an address can lead to wrongful denials of credit and confusion with identity verification. I have never lived at this address |
| confirms that reporting information inaccurately can lead to liability. | 1 | 0.0% | negative information must be removed from my credit report after seven years from the date of initial delinquency. This misrepresentation negatively impacts my creditworthiness and violates my rights under the FCRA. The account SHOULD read ND or no data after XX/XX/XXXX through current Incomplete and Incorrect Payment History The payment history for this account is also inaccurate. It displays nearly two years with no positive payment information |
| conflicting data COLLECTION ACCOUNTS : XXXX. XXXX XXXX XXXX Accounts # XXXX * * * * & # XXXX * * * * Original Creditor : XXXX XXXX Bank XXXX : Duplicate reporting | 1 | 0.0% | inconsistent data |
| conflicting dates | 1 | 0.0% | I am disputing the legitimacy |
| conflicting delinquency timelines | 1 | 0.0% | XXXX MA XXXX Update and retain only : XXXX XXXX XXXX XXXX XXXX XXXX |
| conflicting information between bureaus | 2 | 0.0% | Inconsistent |
| conflicting information regarding charge-offs | 3 | 0.0% | a revolving credit card opened on XX/XX/XXXX |
| conflicting statuses. | 1 | 0.0% | XXXX |
| conflicting statuses.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | XXXX |
| conflicting tradelines violates FCRA 607 ( b ) and further proves that Equifax is reporting compromised and inaccurate information. | 1 | 0.0% | Equifax is reporting duplicate XXXX XXXX accounts |
| conflicts with XXXX o Inaccurate Contact Information for address | 1 | 0.0% | conflicts with XXXX o Inaccurate Contact Information for address |
| Conformation # XXXX was not listed as they are the same disputed inquiry I did not give my consent to and this to came back verified as accurate. This inquiry has been deleted from my two XXXX XXXXXXXX Credit Reports . XX/XX/XXXX a dispute submitted Conformation # XXXX and it was completed the XX/XX/XXXX. On XX/XX/XXXX a dispute submitted Conformation # XXXX completed XX/XX/XXXX. Once the dispute is mark complete and I am unable to view it ( documents will show ) despite Equifax Dispute Status Page which states the dispute WILL BE AVAILABLE for 30 days This is misleading to me ( the consumer and the Bureau. Disputes are NOT AVAILABLE FOR VIEWING for up to 30 days as the dispute page states. As my documents will show the dispute is completed the same day OR within one to two days | 1 | 0.0% | the account came back verified and mailed out to me dated XX/XX/XXXX. Equifax chose to separate my disputes as this account was included in the delivery of my initial dispute of the inaccurate and incomplete accounts the company received on XX/XX/XXXX. On the other hand |
| confused | 3 | 0.0% | Yes. It was paid in full. I then asked whether it showed that I had overpaid by {$20.00} |
| confused and offended every time I saw their company name or logo on a piece of mail in my mailbox. Their recent letter dated XX/XX/2021 contained personal identifiable information including my name | 1 | 0.0% | am on the national DO NOT CALL registry and have never given ILLINOIS COLLECTION SERVICES INC permission to contact me via telephone |
| confused me | 1 | 0.0% | stating it came thru scrambled... please resubmit ''. I called them |
| confusing | 1 | 0.0% | the lack of disclosure |
| confusing for the unsophisticated consumer to get corrections done to his or her credit report. Are they 're no standards | 1 | 0.0% | in XXXX 2016 spoke to XXXX at Transunion and I disputed XXXX XXXX ' lack of reporting as to who they sold the account to. Transunion assigned new file # XXXX. However the result of XXXX XXXX ' investigation |
