| Municipal Collections Services, Inc. | 48 | 91.7% | Debt collection |
| Murphy Law Office, LLC | 1 | 100.0% | Debt collection |
| Murrell Law, LLC | 1 | 100.0% | Debt collection |
| MUSA Holdings, LLC | 10 | 70.0% | Vehicle loan or lease |
| Muskegon Car Credit, Inc. | 36 | 94.4% | Credit reporting or other personal consumer reports |
| must adhere to these principles | 3 | 0.0% | there is a clear mandate for consumer reporting agencies to exercise their responsibilities with fairness |
| must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ) | 2 | 0.0% | such as with the consumers consent or for the purpose of locating the consumer. In conjunction with these provisions |
| must be activated by your banker at account opening. Additionally | 1 | 0.0% | of which I have saved a PDF copy and is submitted as an attachment of this complaint : U.S.Bank Smartly Checking bonus : To be eligible |
| must be addressed. | 4 | 0.0% | specifically representing partial payments as equivalent to minimum payments |
| must be brought within 6 years after the cause of action accrued. This statute of limitations includes all consumer credit transactions | 1 | 0.0% | I would like the proof ( who the client is ) that hired DRS to perform the inquiry. Again |
| must be conducted to determine if the information is indeed inaccurate | 1 | 0.0% | it is a fact |
| must be deleted if they can not be verified within a reasonable time. | 3 | 0.0% | the credit bureaus have failed to take corrective action regarding the following erroneous accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Bank of Missouri XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX ) These items are causing severe harm to my ability to obtain credit |
| must be delivered on XX/XX/XXXX 4. Transaction date XX/XX/2022 | 1 | 0.0% | International currency XXXX |
| must be delivered to my address on profile XXXX XXXX XXXX | 1 | 0.0% | XXXX XXXX XXXX |
| must be made available the next business day [ [ 1 ] ]. '' When I ran this by the agent | 1 | 0.0% | and when she returned |
| must be notarized and certified. 27 ) Was an account created with the purported loan amount then debited account? 28 ) Please explain your answer in exact detail to the above question # 27. 29 ) Please produce all records and tangible evidence relating to the questions herein and send them along with your response | 1 | 0.0% | was the purported lender or financial institution involved in the alleged loan to use their money as adequate consideration to the promissory note from the alleged borrower? YES or NO. 16 ) According to the alleged loan agreement |
| must be paid from the estate account ( opened with an estate EIN ). This distinction seemed lost on them. | 1 | 0.0% | upon returning to the branch on XX/XX/ |
| must be provided to clarify this amount. | 2 | 0.0% | if there is a credit of account balance with surplus over 1 dollar in accordance with the journal and ledger entries described in IRS Publication 583 |
| must be rectified promptly. | 2 | 0.0% | I humbly request that the Consumer Financial Protection Bureau takes immediate action to enforce the legal rights afforded to consumers under the Fair Credit Reporting Act ( FCRA ) |
| must be removed from my credit reports without delay. 3. Violation of 15 U.S. Code 1692c ( c ) Cease Communication and Refusal to Pay I have explicitly informed the involved parties that I refuse to pay the fraudulent debts reported on my credit reports. Despite this | 1 | 0.0% | XXXX XXXX XXXX Finance XXXX XXXX XXXX Bank ) XXXX XXXX ( Finance ) XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX XXXXXXXX ( Bank ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX {$810.00} |
| MUST BE REMOVED/DELTED ''. | 1 | 0.0% | the balance being pursued MUST BE CORRECT '' and there is no wiggle room around it. It is PRA responsibly to report accurate information on a consumer credit file/report and there is no exception |
| must cease until proper validation is provided. | 1 | 0.0% | Return Receipt Requested |
| must contain the following phrase I declare ( or certify | 1 | 0.0% | a certified statement is the same as a verified statement and therefore must be made under penalty of perjury which the furnisher has failed to do. A certified statement can not at the same time be an unverified statement because the terms are both interchangeably used for the signor to attest to what they believe is true under penalty of perjury |
| must disclose that the call is coming from a debt collector ( 15 USC 1692e ( 11 ) ). Therefore | 1 | 0.0% | agent XXXX XXXX violated the FDCPA |
| must encompass both aspects in order in order to be lawful disclosure. | 4 | 0.0% | to direct that such information not be disclosed to such third party. Currently there are no conspicuous OPT OUT options |
| must ensure the accuracy and completeness of the information they report. | 2 | 0.0% | I |
| MUST file a 1099-C. | 6 | 0.0% | Foreclosures |
| must have done something very bad. | 1 | 0.0% | the report that they supplied was so far from reality |
| must have my written consent to furnish anything on a consumer report relating to me. After expressing to the company in my XX/XX/XXXX dispute these things should have been resolved but it has taken me over a year | 1 | 0.0% | XXXX XXXX |
| must immediately cease. This includes the unauthorized reporting of any transaction history or personal data. | 1 | 0.0% | effective immediately : Immediate Cessation of Data Sharing : All sharing |
| must include manifestation to another person by the owner of his or her intention to transfer the right | 1 | 0.0% | and committed TAX FRAUD and gained illegal access into the Credit Bureaus XXXX XXXX XXXX |
| must NOT remain a part of record if the inquiries were FRAUDULENT. | 1 | 0.0% | once your REINVESTIGATION is complete |
| must NOT remain a part of record if the inquiry was FRAUDULENT. | 29 | 0.0% | once your REINVESTIGATION is complete |
| must notify consumers in writing if they may furnish or have furnished | 1 | 0.0% | they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates |
| must provide a Method of Verification ( MOV ) including the name | 2 | 0.0% | delete per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) High Balance - TransUnion : {$1000.00} - Experian : {$1000.00} - Equifax : {$1000.00} Last Verified - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Date of Last Activity - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Reported - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Opened - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Closed Date - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Payment Status - TransUnion : 120 Days Late - Experian : 120 Days Late - Equifax : 120 Days Late ( I have never been late paying this account. Please update to Pays as Agreed / Current. '' ) Term Length - All three bureaus : ( blank ) Account Type - TransUnion : Credit Card - Experian : Credit Card - Equifax : ( blank ) Credit Limit - TransUnion : {$1000.00} - Experian : {$1000.00} - Equifax : ( blank ) Two-Year Payment History ( XX/XX/XXXX ) - TransUnion : XXXX ( mathematically impossible to have more XXXX lates than XXXX lates ) - Equifax : XXXX ( same issue ) - Experian : XXXX ( also mathematically impossible ) * * Requested Outcome * * - Correct all fields to be accurate |
| must provide account-level documentation. | 3 | 0.0% | Inc. |
| must provide documentation of perfection and a valid servicing rights agreement to establish their right to collect the debt. If no such proof exists | 1 | 0.0% | the securitization of this loan alters the nature of the debt |
| must provide reasons for the loan deficiency and information to establish that the cause of the delinquency has been corrected. See 38 C.F.R. 36.4340 | 1 | 0.0% | as a means to force us to pay a much higher monthly mortgage and to generate as much income for the financial institution as possible. They are continuing to deny us as veterans the right to use our VA loan benefits in direct opposition to the VA 's position that |
| must require that prospective users of consumer reports certify the purposes for which the information is sought | 3 | 0.0% | 15 U .S.C. 168 1b |
| must respond within 30 days. Please provide relevence and clarity with your response. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. [ US vXXXX XXXX | 1 | 0.0% | each wet ink signature being an accommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties |
| mutilate | 4 | 0.0% | rather than the original records. This election would be appropriate |
| mutual consent | 2 | 0.0% | a XXXX term meaning from a contract. This legal distinction is crucial |
| Mutual Financial Partners | 38 | 92.1% | Debt collection |
| Mutual Management Services LLC | 139 | 100.0% | Debt collection |
| MUTUAL OF OMAHA MORTGAGE, LLC | 112 | 100.0% | Mortgage |
| MVBA, L.L.C. | 17 | 29.4% | Debt collection |
| MWS Financial Services LLC | 3 | 0.0% | Debt collection |
| MXXXX XXXX Balance Owed : {$880.00},Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,33147,,Consent provided,Web,2023-08-18,Closed with explanation,Yes,N/A,7421332 | 1 | 0.0% | XXXX XXXX |
| my Social Security Number | 1 | 0.0% | I could not find the one paper copy of Form 1099-C that I received from Chase Financial. I called Chase Financial on XX/XX/XXXX to obtain another copy of the Form 1009-C from XXXX. During my phone call |
| my 10 payments are not eligible for PSLF | 1 | 0.0% | I called XXXX to inquire about my PSLF status |