| I decided to fax them on XX/XX/XXXX which they received on XX/XX/XXXX. -- The documents I've provided clearly show that I was in Arizona while these fraudulent transactions took place. | 1 | 0.0% | I continuously called Wells Fargo on the dates of XX/XX/XXXX |
| I decided to file a complaint with the government.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Shellpoint Partners | 1 | 0.0% | I reached out to Shellpoint Mortgage on XXXX |
| I decided to file the compliant with CFPB.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,CITIBANK | 1 | 0.0% | the {$400.00} bonus was not ever credited as of XX/XX/18. ( I noticed that the savings and checking accounts are not linked together in the system |
| I decided to give car back car to bridgecrest ( Drivetime ) not worth it. How do my credit not be penalized for this. spoke to XXXX on XX/XX/XXXX and was informed that car will be sold on XX/XX/XXXX they will contact me for the balance of the car due | 1 | 0.0% | refuse to cover to fix trunk lock because of theft situation on XXXX I can only get state mim of liability to drive |
| I decided to go to the local branch located at XXXX XXXX XXXX in XXXX | 1 | 0.0% | I received a letter from USBANK dated XX/XX/XXXX stating the transaction posted as requested |
| I decided to hold my new apartment to make sure I had somewhere to live | 1 | 0.0% | and I am attaching the agreement they sent me recently when I challenged them on the terms I believed I had signed up for : I needed a loan so I looked at my XXXX XXXX account |
| I decided to hold onto them to return to a person | 1 | 0.0% | and that we set to move out. Now the last month of our lease we couldnt get ahold of anybody |
| I decided to initiate a wire transfer. | 1 | 0.0% | I contacted Citibank customer service on XX/XX/year> |
| I decided to listen to XXXX XXXX and his buddies and pay my rent with the BILT REWARDS card. My nightmare began. | 1 | 0.0% | but found leasing a condo was cheaper than the hotel I live in now. But my permanent address is still the one linked to all my credit cards. I have myriad cards -- none with a late payment. XXXX |
| I decided to message him instead through XXXX. At which point | 1 | 0.0% | XXXX |
| I decided to open the package to make sure it was OK as he threw it violently. Surprisingly | 1 | 0.0% | again. I caught him on his way |
| I decided to send a debt validation letter to the collection agency that acquired my debt. However | 1 | 0.0% | I have been subjected to relentless harassment over a medical debt that is not my responsibility. I have always been covered by medical insurance |
| I decided to send an email to everyone. I see you think youre invincible by the standard Delaware incorporation | 1 | 0.0% | I spoke with a MOD named XXXX at the XXXX XXXX office |
| I decided to sign the deal and be done with US Bank Leasing. However | 1 | 0.0% | I paid off my lease on XX/XX/XXXX. However |
| I decided to stay with XXXX to lease another vehicle ( which I did on XX/XX/XXXX ). On XX/XX/XXXX | 1 | 0.0% | took meticulous car of the leased vehicle |
| I decided XXXX XXXX was not a fit for me | 1 | 0.0% | I had several disputes with the Driver Manager ( DM ) over issues related to compensation and home time. On XX/XX/XXXX |
| I declare this information is true and correct to the best of my knowledge. | 2 | 0.0% | XXXX XXXX |
| I declare this information is true and correct to the best of my knowledge. Under penalty of perjury | 3 | 0.0% | XXXX XXXX Page 1 of 2 Fraudulent Email or Social Media Account Fraudulent Email or Social Media Account Fraudulent Email or Social Media Account Fraudulent Email or Social Media Account Company or Organization : Company or Organization : Company or Organization : Company or Organization : XXXX Date that I discovered it : Date that I discovered it : Date that I discovered it : Date that I discovered it : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : Total fraudulent amount : XX/XX/XXXX {$0.00} Fraudulent Information on Credit Reports Fraudulent Information on Credit Reports Fraudulent Information on Credit Reports Fraudulent Information on Credit Reports Accounts or Charges Accounts or Charges Accounts or Charges Accounts or Charges Yes |
| I declined the transactions due to the suspicious activity but later realized I had made an error in identifying legitimate transactions. I promptly called Navy Federal to clarify which charges were fraudulent versus valid. I was assured that my case would be reopened and requested proof of the disputed transactions. I also provided evidence of my presence in XXXX | 1 | 0.0% | I was alerted to suspicious transactions on my card |
| I deducted that amount from my loan-payment amount of {$720.00} | 1 | 0.0% | heres the deal : For years |
| I deeply was aggrieved and angered. Because our lives were put on further hold | 1 | 0.0% | I tried to believe and proceed less adversarial. So on XX/XX/2022 |
| I definitely would have asked more questions. '' Apparently | 1 | 0.0% | XX/XX/XXXX |
| I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.,,EQUIFAX | 1 | 0.0% | I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via XXXX XXXX |
| I delete it without looking at its contence. I did not recieve a paper statement that I have always paid in the past on time. I DID NOT request an e bill or to a paperless system at all. Because the company has a credit history with me and knows I pay on time I want the late payments removed from all credit agencies.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | I was unaware of the change. I like and have always received a paper statement from the company. I have been a customer since 2006. I think it has been longer but I have no proof of that statement The two late payments showed up on my credit report via XXXX XXXX |
| I deleted the existing account and created a new one - not knowing - it would create chaos in the system and confuse the representatives handling it. In doing so | 1 | 0.0% | please go ahead and create a new account associated with your new phone number and/or email address and link your debit card to the new account. Once youve linked your debit card to the new account |
| I deliberately waited until the 180 days had elapsed before taking further action. | 1 | 0.0% | or when it was funded |
| I demand : 1. A complete chain of title Provide all documentation | 1 | 0.0% | I am challenging your legal right to collect on this debt due to the fact that the alleged obligation was securitized and sold to a trust |
| I demand : Full and permanent deletion and blocking of all listed accounts including all duplicate/multiple entries | 2 | 0.0% | Deleted |
| I demand : Immediate and permanent deletion of all tradelines associated with this alleged debt from my XXXX credit file Written confirmation of deletion from National Credit Systems and XXXX Issuance of a certified check in the amount of {$5000.00} payable to me | 1 | 0.0% | FCRA 1681i 1 False open status reporting FCRA 1681e ( b ) 1 17+ post-charge-off updates FCRA 1681e ( b ) |
| I demand : Immediate and permanent deletion of this account from my credit file per 15 U.S.C. 1681i ( a ) ( 5 ). | 2 | 0.0% | I DEMAND VALIDATION OF THE DEBT FROM THE FUNISHER UNDER FAIR DEBT COLLECTION PRACTICES ACT YOU IN VOILATION OF 15 USC 1692e. false and misleading representation and imply I owe a debt when I do not |
| I demand : Immediate removal of all late payment notations from this account Correction of payment history to reflect actual 100 % on-time payment record Standardization of account information across all three bureaus Investigation records showing how these contradictions occurred Audit logs of all previous disputes and investigations Identity of all parties who verified this contradictory information Documentation of procedures used to verify accuracy Evidence of FCRA compliance measures Copies of all communications with the furnisher Written confirmation of removal from all three bureaus CONSUMER IMPACT : These violations have caused : Direct credit score damage from contradictory reporting Denial of accurate credit file access under FCRA 1681g Violation of Massachusetts consumer protection rights Ongoing harm from mixed file reporting Under FCRA 1681n and 1681o | 1 | 0.0% | these contradictions constitute per se violations requiring removal as : No reasonable procedure could produce these contradictions The accuracy requirement can not be met with contradictory data Mixed file indicators trigger mandatory investigation and removal Pattern and Practice of Systemic Failures : The multiple contradictions across all three bureaus demonstrate : Violation of CFPB XXXX XXXX |
| I demand : XXXX. * * Permanent deletion * * of all fraudulent items ( bankruptcy | 1 | 0.0% | I have * * submitted this proof * * to TransUnion * * via : * * - * * Certified mail * * - * * Online disputes * * - * * Special Handling Department calls * * - * * TransUnion continues reporting a bankruptcy that XXXX confirms DOES NOT EXIST. * * * * This violates : * * * * XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a proper reinvestigation * * * * XXXX ( b ) Failure to follow reasonable procedures * * * * XXXX ( a ) ( XXXX ) ( A ) Duty to correct inaccuracies * * # # # * * XXXX. THE XXXX FRAUDULENT ACCOUNTS RE-INSERTED XXXX TIMES IN 2025 * * - These accounts * * keep disappearing and reappearing * * despite : - * * FTC Identity Theft Reports * * - * * Police Reports * * - * * Multiple disputes * * - TransUnion * * blames creditors * * |
| I demand a Method of Verification ( MOV ) pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) | 1 | 0.0% | the disputed information must be deleted. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : If |
| I demand a proper reinvestigation and immediate deletion of all unverifiable or inaccurate items.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,786XX,,Consent provided,Web,2025-07-31,Closed with explanation,Yes,N/A,14990620 | 1 | 0.0% | XXXX ) : XXXX Inaccurate Personal Information ( FCRA XXXX ) : XXXX XXXX XXXX XXXX XXXX |
| I demand an immediate reinvestigation and permanent deletion of the following items | 3 | 0.0% | 604 |
| I demand deletion of the following accounts in total from my consumer report : LVNV FUNDING LLC Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF HOUSING ACCT XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX By my written instructions | 1 | 0.0% | I demand deletion of the following personal information from my consumer report : My name is XXXX XXXX |
| I demand Early Warning remove all disputed items/accounts from each of the referenced Case IDs above. | 1 | 0.0% | ... clearly and accurately disclos [ e ] to [ any ] consumer :... [ a ] ll information in the consumer 's file.... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for actual damages '' if it negligently fails to comply with this requirement |
| I demand evidence of Metro 2 compliant reporting | 10 | 0.0% | CDIA implemented laws |
| I demand evidence of XXXX XXXX compliant reporting | 1 | 0.0% | XXXX Implemented laws |
| I demand for proof of the debt | 15 | 0.0% | under the doctrine of estoppel by silence |
| I demand full remedy. My Consumer Rights protected by the FTCAct and CFPAct have been gravely violated. My credit score has been heavily impacted amongst the 3 Credit Bureaus by reporting a debt that can not be Validated ; ultimately a debt I do not owe. I can not take advantage of lower interest rates | 1 | 0.0% | required by law Pursuant 15 USC 1692 ( g ) ( b ) |
| I demand immediate and permanent deletion of this tradeline from XXXX and all consumer reporting agencies | 1 | 0.0% | 1681i ( a ) |
| I demand immediate correction of my credit report. | 3 | 0.0% | which compromised my personal information. As a direct result of this data breach |
| I demand immediate correction of this account DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment This late payment report is false. I request that the account reflect accurate and verified payment history DEPT OF EDUCATIONXXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Late Payment I dispute this late payment. I have never missed any payments. Immediate correction is requested under FCRA 1681i XXXX XXXX XXXX XXXXXXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Collection I do not recognize this account. Reporting a collection without my knowledge is inaccurate. Under FCRA 1681s-2 ( b ) | 1 | 0.0% | unverified information must be removed XXXX XXXX XXXX | Opened XX/XX/XXXX | High Balance {$0.00} | Charge Off I have never opened or authorized this account. The charge-off is reported without my knowledge. Under FCRA 1681i |
| I demand immediate deletion from XXXX XXXX XXXX XXXX | 1 | 0.0% | you are to cease all collection efforts |
| I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today | 12 | 0.0% | as reported |
| I demand it be removed from all parts of my credit report to ensure the integrity of my personal data ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 | 0.0% | CA XXXX LAW : FCRA XXXX ( c ) ( XXXX ) |
| I demand its deletion without delay. | 1 | 0.0% | FL XXXX Wrong Address This address is completely false and unrelated to me. The inclusion of this address on my report creates a misleading impression and has already caused unnecessary financial stress. A wrong address can signal possible identity theft |
| I demand its permanent deletion from my credit file. This is not a request for correctionit must be fully and permanently deleted immediately. | 3 | 0.0% | inaccurate |
| I demand its removal from my report under FCRA 611. | 1 | 0.0% | but I have never been properly notified or given validation of this alleged debt. Under FDCPA 809 |
