| in direct violation of : FCRA 1681i ( a ) ( 5 ) prohibits reinsertion of disputed information without proper verification XXXX XXXX bars ongoing updates on closed/charged-off accounts Each reopening and closure further suppressed my XXXX XXXX | 1 | 0.0% | TransUnion reopened and closed the tradeline XXXX XXXX XXXX XX/XX/XXXX |
| in direct violation of : XXXX | 1 | 0.0% | I discovered that DOE/DOGE personnel XXXX accessed and potentially disseminated my : Academic Records & PII ( transcripts |
| in direct violation of f... | 1 | 0.0% | Equifax has a non-discretionary statutory duty to conduct a reasonable reinvestigation of any disputed item to determine its accuracy |
| in direct violation of FCRA 1681c-2 | 2 | 0.0% | I submitted a legal demand with my FTC Identity Theft Report and supporting documentation |
| in direct violation of FCRA and GLBA provisions designed to protect consumer information and privacy. | 1 | 0.0% | I became aware that CarMax Auto Finance shared my NPI |
| in direct violation of federal law. | 4 | 0.0% | XX/XX/year> ] |
| in direct violation of Metro 2 standards and FCRA 607 ( b ) ( reasonable procedures to assure maximum possible accuracy ).,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NY,XXXXX,,Consent provided,Web,2025-09-24,Closed with explanation,Yes,N/A,16152819 | 1 | 0.0% | I specifically dispute all reported late payments |
| in direct violation of my rights under federal law. Experians actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) | 1 | 0.0% | I am disputing the unlawful reinsertion of the following fraudulent account onto my Experian credit report : XXXX XXXX Acct. No. : XXXX Balance : {$2500.00} This account does not belong to me. I have never applied for or authorized this account. My personal information was compromised in the XXXX XXXX XXXX XXXX |
| in direct violation of my rights under the Truth in Lending Act ( TILA ). | 3 | 0.0% | XXXX XXXX and XXXX XXXX XXXX |
| in direct violation of Regulation Z. | 1 | 0.0% | TD has failed to provide resolution or escalation path over XXXX hours of phone calls and XXXX hours of branch visits |
| in direct violation of the FCRA. | 3 | 0.0% | I want to mention supporting claims that recent enforcement actions and lawsuits by the Consumer Financial Protection Bureau ( CFPB ) underscore the seriousness and systemic nature of these violations : XXXX : In XX/XX/year> |
| in direct violation of the Federal Fair Housing Act. The consequences of these delays are devastating. | 1 | 0.0% | supervisor XXXX XXXX assured us the file would be escalated and we would receive a callback the same day. That call never came |
| in direct violation of XXXX 's consumer protection requirements for subscription merchants. | 1 | 0.0% | which took effect XX/XX/XXXX. Grid never sent me an electronic confirmation when I was allegedly enrolled in their subscription service |
| in discovery | 1 | 0.0% | XXXX XXXX XXXX Ohio |
| in Ditechs XXXX | 1 | 0.0% | ( in XXXX XXXX |
| in due time. | 3 | 0.0% | it's only me here. XXXX XXXX XXXX! No AI |
| in each case the system has never reached the step of asking my signature | 1 | 0.0% | XX/XX/2018 |
| in early XXXX | 1 | 0.0% | Capital One rebilled me on my XXXX statement for the charge I had already disputed and received a refund. I had to jump through hours and days worth of Capital One hoops again to be told that I hadnt provided sufficient documentation ( in reality |
| in effect | 4 | 0.0% | but not all |
| in effect paying protection money to the company that violated that information in the first place. | 1 | 0.0% | this page is a third party site with less than optimal security that is asking you to input 2/3s of your social security number as well as your last name. It appears questionable as well about whether or not the use of this service prevents you from seeking part in class action lawsuits further down the line. I inputted my information into the system regardless because I was genuinely worried my information had been affected. The site came back with the statement that they did not believe my information had been impacted at this time. However |
| in effect to prevent all stages of an illegal foreclosure while dual tracking ). | 1 | 0.0% | as of XX/XX/XXXX to currently |
| in elastic currency. | 1 | 0.0% | do the math. From XXXX to XXXX was twenty years. All these reserve banks people with Federal Reserve Notes in their pockets |
| in equal | 2 | 0.0% | Spoken to Card Services Members & Credit Dept -- -- requesting to consider |
| in escalating frequency. These have continued even after I have had numerous telephone calls and assurances that this issue is in the process of being resolved. I am left to assume that Sallie Mae is unable or unwilling to change their processes without intervention from their regulating authority. | 1 | 0.0% | Sallie Mae has not followed these terms. Instead |
| in essence | 1 | 0.0% | citing the justification that The evidence we received confirms that all sales were final at the time of purchase. However |
| in essence none of the money I sent to them went into a escrow account over the year to pay for my taxes. Instead | 1 | 0.0% | SPS has continually raised my monthly payment |
| in excess of {$200000.00} in assets. This was entirely the fault of Academy mortgage and whatever the issues are involved there of them closing the office.,,Academy Mortgage Corporation,CA,953XX,Older American,Consent provided,Web,2019-03-20,Closed with monetary relief,Yes,N/A,3179853 | 1 | 0.0% | me XXXX XXXX. I have a XXXX-credit rating |
| in exchange | 2 | 0.0% | I had not been active in the XXXX XXXX XXXX since XXXX of XXXX. My real estate license expired in XX/XX/XXXX. I had zero income from XX/XX/XXXX thru the rest of the calendar year as I had exited the industry when the early pandemic decimated my business. Paying that {$500.00} fee to end the contract came at a great personal hardship to me as I had no income. I was also dealing with medical issues and was not able to look for work at the time. After my troubles in the Fall of XXXX trying to address this account |
| In Exhibit A | 2 | 0.0% | In Exhibit A You are violating Affiants rights as a consumer pursuant to 15 U.S. Code 1692j ( a ) furnishing certain deceptive forms 10. Fact |
| in fact | 148 | 0.0% | XX/XX/XXXX |
| in fact as of today ; their website indicates that my request is in review. '' I 'm getting extremely frustrated with Ocwen | 1 | 0.0% | back to my loan modification |
| in fact carried an express or implicit threat | 18 | 0.0% | if evidence has been introduced tending to show the existence |
| in fact exists. | 6 | 0.0% | since my notice of dispute dated and you have not supplied the demanded proof of the alleged debt |
| in fact Exists. | 2 | 0.0% | and you have not supplied the demanded proof of the alleged debt |
| in fact exists. I have copies of the certified letters and dates prepared to bring to court if needed. Also | 1 | 0.0% | it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote XXXX in question and demanded proof that I am their customer. I asked for proof of the alleged debt |
| in fact go through.,,SYNCHRONY FINANCIAL,GA,30126,,Consent provided,Web,2015-07-29,Closed with monetary relief,Yes,No,1492076 | 1 | 0.0% | I have spoken to numerous people regarding the status. I was originally told I would have an answer by XXXX XXXX. When that came and went |
| in fact had never been warned. Even in the bill I have in XX/XX/XXXX | 1 | 0.0% | I was stuck on travel and returned home in XX/XX/2020. I was surprised to see an invoice from XXXX |
| in fact I am early. Again | 1 | 0.0% | I always pay early and I send payments via overnight delivery most times and sometimes I go in person to XXXX and pay the {$2.00} express processing fee for same day payment. Yet they are reporting me 30 days late effective XX/XX/XXXX and they cashed a check which cleared my bank account drawn on XXXX |
| in fact I asked friends and family to check out the company 's website and provide their opinion. However | 1 | 0.0% | I would have waited as long as it would have take for BofA to verify the payment as that is their job and I trusted the systems they have in place. I would have never made the purchases if BofA had done their due diligence to verify the payment. I asked BofA if they are aware of this type of scam/fraud and she said yes |
| in fact I had just spoken with an OLS agent on Friday | 1 | 0.0% | several times between XXXX XXXX |
| in fact I was directly told the opposite when they asked my to submit the paperwork regarding the report. In addition to it seeming extremely unlikely that a sophisticated company like Discover can not make international phone calls | 1 | 0.0% | on XX/XX/year> |
| in fact inaccurate. | 1 | 0.0% | pursuant to |
| IN FACT IT WAS OVER PAID THE PRIOR MONTH. | 1 | 0.0% | OFFICE OF THE CHAIRMAN INTENTIONALLY SIGNED |
| in fact payments were allocated first to purchases made during the statement period | 1 | 0.0% | I contacted Chase to ask about the issue. I was initially told by the customer service agent that I was correct and that the statement was simply showing the incorrect amount for the promotional balance. When she gave me what she calculated as the purchase balance |
| in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) XXXX XXXX XXXX | 2 | 0.0% | Experian for your actions of creating a consumer report on my behalf without consent pursuant to 616 of FCRA you are liable to i the consumer for such failure in an amount equal to the sum of actual damages of my reputation and a violation of my rights to privacy has caused me to lose financial credit opportunity as a result of the failure to follow the requirements set forth by congress Pursuant to 602 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness |
| in fact she also admitted that the branch itself does not help with PPP loans. But from her understanding | 1 | 0.0% | because PPP loans are only issued to businesses. I explained to her that I am a 1099 employee and the SBA had approved a PPP loan under my name specifically for self disbursement. That's why the certified cashiers check was under my name & deposited into a personal account. After I explained this |
| in fact she told me that my only option was to continue monitoring my account. She could not give me a time frame in which I should expect a resolution. She could not guarantee that this would not continue happening each month. She could not comment on whether or not this would ruin my XXXX XXXX XXXX XXXX in XXXX. | 1 | 0.0% | I was finally able to speak with a XXXX |
| in fact stated many times they had no time frame limit they had to return the checkin ''. | 1 | 0.0% | we endorsed the check over to a part-time employee with a Bank of America account for deposit. Despite prior successful check-cashing arrangements |
| in fact the issues are being totally ignored by RLMS. | 1 | 0.0% | due to the increase in the payment amount |
| in fact there for exists The FDCPA prohibits debt collection companies from using abusive | 2 | 0.0% | these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct |
