| or default details ). They declined to delete from credit reports | 1 | 0.0% | confirming they sent a validation notice but ceased efforts and returned the account to Citi. Citi responded on XX/XX/XXXX ( Reference : XXXX ) |
| or default will count towards forgiveness in the circumstances described above. | 2 | 0.0% | repayment status includes any periods where the borrower was enrolled in a repayment plan. Repayment status does not include periods in forbearance |
| or defaulted on any other loans with them | 1 | 0.0% | I immediately called the toll-free number on the back of the credit card and after waiting almost XXXX hour |
| or defaulting on the loan and losing the high credit score I have diligently earned over my adult life. | 1 | 0.0% | I believe that my situation is not unique or an outlier |
| or defective data migration from the XXXX transfer | 1 | 0.0% | {$6800.00} improper capitalization Credit Damage : 7-year FCRA impact affecting mortgage |
| or defense relating to cancellation of the Contract with Sun Trust Bank because I documented that I was open to legal review in reference to not waiving my rights ( left margin ) of the document. | 1 | 0.0% | AND IN AN EFFORT TO PROTECT THE PUBLIC HEALTH |
| or deficiency balances | 1 | 0.0% | including all charges |
| or deficiency calculations as required by UCC 9-614 and 9-616. | 3 | 0.0% | XXXX continues to report conflicting and unverifiable information to all three credit bureaus : Conflicting Balances : {$9700.00} vs. {$10000.00} Conflicting High Balances : {$9700.00} vs. {$11000.00} Different Last Activity Dates : XX/XX/XXXX vs. XX/XX/XXXX Different Remarks : Charged Off |
| or definite movement of voluntary muscles | 1 | 0.0% | 177 Ga. 648 |
| or definitions contained herein : {>= $1 | 1 | 0.0% | Fraudulent XXXX XXXX Cruel and Unusual Punishment |
| or del | 1 | 0.0% | if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly |
| or delete both accounts as the information furnisher. | 1 | 0.0% | Capital One has demonstrated an unwillingness to accommodate the XXXX XXXX XXXX as the account holder since XXXX after XXXX 's attempts to close both accounts in good standing. Examples include : 1. Not merging the XXXX account with the XXXX after both accounts were paid off XXXX ... ... AND proof that Capital One had this ability in prior years 2. Not lowering the exorbitant interest rate on both accounts after both accounts were paid off XXXX ... ..AND proof that Capital One had this ability in prior years 3. Not assigning both accounts to the current third party debt collector |
| or delete inaccurate data 1681i ( a ) ( 1 ) ( A ) CRA obligation to complete reinvestigation within 30 days Failure to investigate while continuing to report the accounts is defined as furnishing inaccurate information under FCRA 623. | 1 | 0.0% | LVNV was required to : Conduct a reasonable investigation Review all relevant information I provided Verify the account or request deletion Respond within the statutory time limit Instead |
| or delete it from my credit report immediately. | 2 | 0.0% | I have the right to dispute any account that can not be verified |
| or delete the entire account. What is the closing date? This is incomplete information. Either modify | 1 | 0.0% | Metro 2 Compliance. Modify |
| or DELETE the item ( s ) from the file in accordance with paragraph ( 5 ) | 1 | 0.0% | if the completion or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notified the agency directly |
| or delete the item from file in accordance with paragraph ( 5 ) | 1 | 0.0% | if the completeness and accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is dipsuted by the consumer and the consumer notifies the agency directly |
| or delete the item from my file in accordance with paragraph ( 5 ) | 21 | 0.0% | XXXX |
| or delete the item from my file in accordance with paragraph ( XXXX ) | 13 | 0.0% | XXXX |
| or delete the item from the file according to paragraph five | 2 | 0.0% | and the consumer NOTIFIES the agency directly |
| or delete the item from the file before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). | 1 | 0.0% | the statutory reinvestigation procedure for CRAs provides in relevant part : If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file before the end of the 30-day period beginning on the date in which you received the notice of dispute from consumer ; which was in fact was no later than XX/XX/year>XXXX the date your letter was issued assuming my request was invalid for no apparent reason | 1 | 0.0% | This letter is a respond to your accusation that my previous request you received with my information included |
| or delete the item from the file if no documentary evidence is found in accordance with FCRA | 20 | 0.0% | I noticed that the charge-off from [ XXXX XXXX XXXX XXXX ] is inaccurately reported. The account is not mine. The account was fraudulently opened with my information. As per the Metro 2 Format |
| or delete the item from the file in accoordance with paragraph ( 5 ) | 1 | 0.0% | if the completednedd or accuracy of any information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file in accordance to paragraphs ( 5 ) | 1 | 0.0% | 1681 ( a ) ( 1 ) ( a ) subject to subsection ( f ) and expect as provided in the subsection ( g ) |
| or delete the item from the file in accordance with paragraph ( 5 ) | 1.2K | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or DELETE the item from the file in accordance with paragraph ( 5 ) | 2 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or DELETE THE ITEM FROM THE FILE IN ACCORDANCE WITH paragraph ( 5 ) | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumer 's report at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or DELETE the item from the file in accordance with paragraph ( 5 ) ( INACCURACIES ) | 3 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer ( ME ) and the consumer notifies the agency directly |
| or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30- day period beginning on the date on which the agency receive the notice of the dispute from the consumer or reseller.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,CT,06704,Servicemember,Consent provided,Web,2025-03-27,Closed with explanation,Yes,N/A,12687143 | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumer 's notifies the agency directly |
| or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller,,AVANTE,FL,33150,,Consent provided,Web,2023-10-02,Closed with explanation,Yes,N/A,7619888 | 1 | 0.0% | or indirectly |
| or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller,,Kriya Capital | 1 | 0.0% | or indirectly |
| or delete the item from the file in accordance with paragraph ( 5 ). before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller,Company believes it acted appropriately as authorized by contract or law,ARC Management Group | 1 | 0.0% | or indirectly |
| or delete the item from the file in accordance with paragraph ( XXXX ) | 141 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or DELETE the item from the file in accordance with paragraph ( XXXX ) | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file in accordance with paragraph I asked for a re-investigation of the 4 hard inquiries above | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file in accordance with paragraph This is US code 15 - section 1681 Experian refused on multiple occasions to reinvestigate 4 hard inquiries | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file in accordance with paragraph- Procedure in case of disputed accuracy. Experian stated in CFPB Complaint Number XXXX-Response stated that no accounts existed on my Consumer Report. Experian did not provide a complete investigation of claim because as of XXXX XXXX accounts Experian accounts are being furnished. I have mailed Experian a copy of report and attached a tracking number to ensure Experian has knowledge of violation,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,342XX,,Consent provided,Web,2022-04-30,Closed with explanation,Yes,N/A,5521245 | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file within 30 days of receiving the dispute. | 1 | 0.0% | I am requesting that Experian remove this account from my credit report as it violates accurate reporting requirements under the Fair Credit Reporting Act ( FCRA ). The FCRA |
| or delete the item from the file within 30 days of receiving this dispute. | 1 | 0.0% | I have identified the following information that is inaccurate |
| or delete the item from the file. | 2 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If | 1 | 0.0% | if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | 3 | 0.0% | or applicants |
| or delete the item from the filein accordance with paragraph ( XXXX ) | 1 | 0.0% | if thecompleteness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly |
| or delete the item from the report as soon as possible. The circled items are completely inaccurate and incomplete | 5 | 0.0% | these items need to be investigated for accuracy |
| or delete the item from thefile ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with paragraph ( XXXX ) | 1 | 0.0% | if the completeness or accuracy of any item of information contained in aconsumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at aconsumer reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is disputed by theconsumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and theconsumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX notifies the agency directly |
| or delete the item from thefile ( XXXX XXXX XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) in accordance with paragraph ( XXXX ) | 1 | 0.0% | if the completeness or accuracy of any item of information contained in aconsumer ( XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) sfile XXXX XXXX XXXX XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) at XXXX reporting agency ( XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX ) is disputed by XXXX ( XXXX XXXX XXXXXXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) and theconsumer ( XXXX XXXX XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) notifies the agency directly |
| or delete the item from thefile XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in accordance with paragraph ( XXXX ) | 2 | 0.0% | if the completeness or accuracy of any item of information contained in aconsumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and theconsumer ( https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX ) notifies the agency directly |
| or delete the item from thefilein accordance with paragraph ( 5 ) | 24 | 0.0% | if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly |
| or DELETE THE item from thefilein accordance with paragraph XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,,EQUIFAX | 1 | 0.0% | if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly |