| or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,NJ,070XX,,Consent provided,Web,2024-01-05,Closed with non-monetary relief,Yes,N/A,8113415 | 1 | 0.0% | UNVERFIED |
| or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 3 | 0.0% | UNVERFIED |
| or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. | 2 | 0.0% | UNVERFIED |
| or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows. | 3 | 0.0% | UNVERIFIED |
| or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be UPDATED immediately. | 3 | 0.0% | UNVERIFIED |
| or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and/or standards and MUST be removed immediately | 4 | 0.0% | UNVERIFIED |
| or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then Experian has XXXX and 60 days late. | 1 | 0.0% | UNVERFIED |
| or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : LOWBOX and XXXX is reported as having a late payment my credit report : XXXX has XXXX and XXXX of XXXX paid but then XXXX has XXXX and 60 days late. | 1 | 0.0% | XXXX |
| or otherwise NOT PROVEN COMPLIANT to reg|ulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX and XXXX is reported as having a late payment my credit report : TransUnion has XXXX and XXXX of XXXX paid but then XXXX has XXXX and 60 days late. | 1 | 0.0% | UNVERFIED |
| or otherwise resolved in a manner not reflected in their systems. | 1 | 0.0% | by continuing to publish this information with no updated validation or confirmation from XXXX |
| or otherwise sent to the obligor and provides the obligor with a statement of such determination. | 2 | 0.0% | after having conducted an investigation |
| or otherwise traffic in my private financial data. | 1 | 0.0% | including but not limited to bank account activity |
| or otherwise transfer my nonpublic personal information | 3 | 0.0% | A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Synchrony Bank does not have my consent to |
| or otherwise transfer my nonpublic personal information.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,BARCLAYS BANK DELAWARE,TX,75766,Servicemember,Consent provided,Web,2024-12-16,Closed with explanation,Yes,N/A,11167886 | 1 | 0.0% | A consumer may exercise the right to opt out at any time. I am now elaborating on my original instruction to eliminate ambiguity. Barclays does not have my consent to |
| or otherwise transferred ; name | 1 | 0.0% | assigned |
| or otherwise treats the receivable inconsistently with enforcement | 1 | 0.0% | including Georgia suretyship statutes and XXXX provisions |
| or otherwise use my personal consumer information in relation to these accounts. As such | 1 | 0.0% | specifically 15 U.S.C. 1681b |
| or otherwise. | 11 | 0.0% | here 's the deal : 15 USC 1681 section 604 ( a ) ( 2 ) states that a consumer reporting agency can only furnish a consumer report with the written instructions of the consumer to whom it relates. The furnishers of information to credit agencies ( like financial institutions ) need my consent for this |
| or otherwise. Additionally | 3 | 0.0% | XXXX |
| or otherwise. Any previous consent I may have given is now revoked. | 2 | 0.0% | 15 USC 1681 section 604 highlights that consumer reporting agencies can only furnish a consumer report with the explicit written instructions of the consumer concerned. I have not provided consent for XXXX XXXX XXXX |
| or otherwise. Furthermore | 6 | 0.0% | neither Equifax |
| or otherwise. I am revoking any perceived or assumed consent | 7 | 0.0% | XXXX |
| or otherwise. The very first time I became aware of this alleged account was when it showed up on my credit file. | 1 | 0.0% | no itemized statement |
| or otherwise. This revocation extends to all past | 3 | 0.0% | I am formally revoking any and all consent previously granted to XXXX |
| or otherwiseand hereby revoke any alleged consent. | 1 | 0.0% | Section 604 ( a ) ( 2 ) |
| or otherwiseand is effective immediately. No further disclosure of my nonpublic personal information is permitted without my explicit written authorization. | 3 | 0.0% | I am revoking any and all consent previously granted to XXXX |
| or otherwiseeffective immediately. You are prohibited from reporting these accounts under my name without my explicit authorization. | 1 | 0.0% | a consumer reporting agency may only furnish a consumer report with the consumers written consent |
| or otherwiseis expressly revoked. | 3 | 0.0% | 15 U.S.C. 1681 |
| or otherwiseis hereby revoked. | 3 | 0.0% | Section 604 ( a ) ( 2 ) |
| or otherwisethat may have previously been given. | 2 | 0.0% | XXXX |
| or ought to have known | 1 | 0.0% | I applied for |
| or our agreement does it state they process the order at their discretion. The agreement is intentionally vague to hide the fact that the participate in reordering transactions.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,SUNTRUST BANKS | 1 | 0.0% | processing batches of transactions in a random order or order received is a neutral approach ; however |
| or our financial concerns. b. As a result of these delays | 1 | 0.0% | rather than short sale |
| or our XXXX daughters This account closure has put my entire livelihood at risk. Ive done everything right | 1 | 0.0% | I have : No way to collect payments from my customers Lost access to the Square debit card |
| or out of business. I sell merchant services to restaurants and retail mainly.. | 1 | 0.0% | about being 2 months behind on our loan payments and to call for help |
| or outcomes have been issued | 1 | 0.0% | USAA has not provided a formal determination or resolution. Over the course of several weeks |
| or outdated charge-off statuses. I request that Experian verify each items accuracy and remove or correct any unverifiable or inconsistent data.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TN,37042,,Consent provided,Web,2025-12-09,Closed with explanation,Yes,N/A,17900451 | 1 | 0.0% | completeness |
| or outdated data must be permanently deleted without delay. | 2 | 0.0% | verifiable |
| or outdated information | 1 | 0.0% | and in each instance |
| or outdated information from my credit report. In addition | 2 | 0.0% | and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company |
| or outdated information. | 1 | 0.0% | and I will pursue all available remedies under the Fair Credit Reporting Act ( FCRA ) |
| or outdated. I request full deletion unless XXXX can provide all legally required repossession documentation. | 2 | 0.0% | which is misleading. If no balance remains and the account has been resolved |
| or outstanding judgment | 1 | 0.0% | then how do third parties verify these same documents that this credit reporting agency states is verified? What information was given to this third party? who was the third party? how was this third party verified and do they guarantee 100 % accuracy? Are there any signed documents with my original signature on it? who was given it? who received it? Why haven't i received a copy of the investigation for my own research purposes. This credit reporting agency also states that the alleged account was also connected to XXXX XXXX. I have not received any document 's from them because they state there is no such thing on file? This agency also states using PACER which is a government website that is supposed to be used for a permissible purpose. This website does not volunteer to disclose any personal information. Such information MUST be PURCHASED with a online account. This is a violation of my FCRA rights that this agency knowingly and willing purchased a public consumer report for non permissible purposes. I have sent this agency factual data from the source 's they state the information they have was and none was accurate. I have received information which is a auto generated populated letter response. The FCRA also states that ( 2 ) Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. Giving social security numbers or any part is considered a personal identifier. Giving dates of birth is a identifier. Anything that could be taken and used to identify a person could be potentially a exposure for identify theft. It also states that ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 607 [ 1681e ] by a prospective user of the report through a general or specific certification. Also 3 ) Certain public record information. Except as otherwise provided in section 613 [ 1681k ] |
| or over-the-limit fee ) or increase any annual percentage rate | 1 | 0.0% | cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan |
| or overnight delivery. The only notification that I received that foreclosure was going to happen was the letter received on XX/XX/XXXX regarding the review of my loan modification request application. | 1 | 0.0% | the lender had activated foreclosure procedures on XX/XX/XXXX |
| or ownership documents used to verify XXXX. The date and time of verification XXXX. The name or ID of the TransUnion agent who performed the investigation ACCOUNTS IN QUESTION XXXX. XXXX XXXX XXXX - Account Ending XXXX No documentation proving accuracy was provided. | 1 | 0.0% | I am demanding the full and detailed method of verification |
| or ownership of the debt Proof of authorization and licensing to collect in my state 3. Verification of the accuracy of the debt | 1 | 0.0% | including : A copy of the original lease agreement with my signature A complete move-out statement and itemized list of charges A detailed breakdown of the balance and how it was calculated Copies of any inspection reports |
| or ownership. | 2 | 0.0% | every response has only been the same account summary report [ attached ] and the same credit card statement [ attached ]. This response is wholly insufficient under 1692g ( b ) and case law |
| or paid | 1 | 0.0% | several accounts were reported as collections |
| or paid as agreed upon. All correspondence | 1 | 0.0% | we will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower. If you refuse to answer these questions |
