| they mentioned that the management has changed twice. Further online research revealed that XXXX XXXX XXXX | 1 | 0.0% | I conducted research on the original creditor |
| they merely sold our account to XXXX XXXX XXXX XXXX ( XXXX XXXX '' ). XXXX XXXX has done nothing to correct this problem | 1 | 0.0% | we then discovered that XXXX XXXX XXXX was not licensed nor registered to do business in XXXX |
| they might find additional issues that we would be charged for. They also mentioned that if we conducted the inspection at home | 1 | 0.0% | XXXX visited the XXXX dealership in XXXX to return the vehicle |
| they might in a week or more | 1 | 0.0% | and when US Bank had an opportunity to verify that the check was good |
| they misinformed me. I was explicitly told that my full account would be placed into forbearance until I was on the right repayment plan | 1 | 0.0% | I have reached out to MOHELA again to fix this issue and to place me on the correct IDR plan. They have me due for a payment today |
| they moved {$100.00} from XXXX 's main account | 1 | 0.0% | other than XXXX transfers |
| they must admit that their previous verification process was flawed. Financial Compensation for FCRA Violations Under FCRA 616 & 617 | 1 | 0.0% | I will escalate this matter by filing a lawsuit against Equifax/Experian for willful and negligent violations of the FCRA and FDCPA |
| they must be almost perfect and not make mistakes '' that effect people so greatly.,,Collection Bureau of America Ltd.,CA,92101,,Consent provided,Web,2018-05-23,Closed with explanation,No,N/A,2911215 | 1 | 0.0% | my debt was still showing open on my credit report |
| they must be deleted from my credit report immediately. | 3 | 0.0% | XXXX XXXX |
| they must be deleted from my file within XXXX days | 1 | 0.0% | inquiries |
| they must be deleted immediately. | 3 | 0.0% | but I have no knowledge of these accounts |
| they must be deleted immediately. Continued reporting of unauthorized inquiries violates 1681e ( b ) as they materially distort the accuracy of my credit score and creditworthiness. | 2 | 0.0% | my credit file contains multiple hard inquiries that are unverified or unauthorized. These include inquiries by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ) |
| they must be deleted immediately. The burden of proof lies with EXPERIAN | 1 | 0.0% | multiple accounts on my credit file are being reported inaccurately and without proper verification |
| they must be deleted permanently. | 3 | 0.0% | which prohibits false |
| they must be deleted under 1681i ( a ) ( 5 ). Continued failure to correct this record after multiple notices demonstrates willful noncompliance | 2 | 0.0% | no proof of verification from XXXX XXXX XXXX has ever been provided. Reporting unverifiable late history violates FCRA 611 ( A ) ( 1 ) ( A ) |
| they must be deleted. | 1 | 0.0% | inconsistent reporting of payment history and statuses across bureaus |
| they must be deleted.,,EQUIFAX | 1 | 0.0% | I also discovered inquiries listed on my file that I did not authorize. These include XXXX on XX/XX/XXXX |
| they must be deleted.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,FL,32824,,Consent provided,Web,2025-09-23,Closed with explanation,Yes,N/A,16099656 | 1 | 0.0% | I also discovered inquiries listed on my file that I did not authorize. These include XXXX on XX/XX/XXXX |
| they must be deleted.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | I also discovered inquiries listed on my file that I did not authorize. These include XXXX on XX/XX/XXXX |
| they must be immediately deleted from my file. | 1 | 0.0% | under FCRA 623 ( a ) ( 1 ) ( A ) |
| they must be immediately deleted from my report. | 3 | 0.0% | but is not limited to : Collection accounts reported without proper validation Late payment notations that are inaccurate or unverifiable Accounts that are obsolete |
| they must be immediately removed. | 1 | 0.0% | Late Payments |
| they must be ones whom I should include as well for this purpose. I wanted to addressed the issues I had with the way that this was handled and give them an opportunity to make ammends in some way | 1 | 0.0% | which surprised me because I expected to be informed |
| they must be permanently removed from my credit report. I also ask that CFPB ensure these data furnishers and credit bureaus are held accountable for violating consumer protection laws. This complaint is submitted in good faith to seek justice | 1 | 0.0% | CA XXXX Law : FCRA 1681e ( b ) Issue : This address is not mine and does not belong on my credit report Story : I have never lived at this address and its inclusion is causing the attachment of inaccurate accounts. This may be due to file mixing or identity confusion. Please remove it immediately ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$430000.00} Date Opened : XX/XX/XXXX Status : Late Payment Law : FCRA 1681i |
| they must be permanently removed. | 1 | 0.0% | I demand the immediate deletion of the following accounts from my credit file : XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX LEGAL BASIS FOR REMOVAL 1. Violation of 15 U.S.C. 1681c ( a ) ( Section 605 of the Fair Credit Reporting Act - FCRA ) Under 15 U.S.C. 1681c ( a ) |
| they must be permanently removed. Furthermore | 3 | 0.0% | no 1099-C form was issued for debt cancellation exceeding {$600.00} |
| they must be promptly deleted as required by law.,,EQUIFAX | 1 | 0.0% | I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report 2. XXXX XXXX o Inaccuracy : This Account is from a DEBT BUYER not my original lender |
| they must be promptly deleted as required by law.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,78526,,Consent provided,Web,2025-02-24,Closed with explanation,Yes,N/A,12101609 | 1 | 0.0% | I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report 2. XXXX XXXX o Inaccuracy : This Account is from a DEBT BUYER not my original lender |
| they must be promptly deleted as required by law.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | I DID NOT authorize my debt to be transferred. This is an Inaccurate report o Requested Action : Delete this from my credit report 2. XXXX XXXX o Inaccuracy : This Account is from a DEBT BUYER not my original lender |
| they must be rectified immediately to avoid further harm.,,EQUIFAX | 1 | 0.0% | the credit bureaus are required to conduct a reasonable reinvestigation and correct or delete any information that can not be verified as accurate within 30 days. The failure to do so constitutes a violation of my rights. In addition |
| they must be removed from my credit file. It is not my responsibility to go directly to each creditor | 4 | 0.0% | please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file |
| they must be removed from my credit report. | 3 | 0.0% | I discovered the following accounts |
| they must be removed immediately according to FCRA Section 609 & 611. | 3 | 0.0% | Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX |
| they must be removed immediately from my credit profile. | 3 | 0.0% | I have the right to request and receive the full documentation from the original creditor to substantiate any late reporting |
| they must be removed immediately to maintain compliance with federal law. If you fail to do so | 3 | 0.0% | unauthorized inquiries must be removed from my credit report within four ( 4 ) business days upon receipt of this letter. Additionally |
| they must be removed immediately. | 1 | 0.0% | my credit report shows five hard inquiries that I did not initiate |
| they must be removed in compliance with these laws. | 1 | 0.0% | and they do not reflect legitimate credit activity on my part : Hard Inquiries to Be Removed : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX In addition to protections under FCRA 605C |
| they must be removed or corrected.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | I am exercising my right to dispute any information on my credit file that I believe to be inaccurate |
| they must be removed. Continued reporting without proof will be treated as willful and negligent noncompliance under XXXX XXXX. XXXX and XXXX | 1 | 0.0% | no account or transaction can be reported without a valid permissible purpose. Under 15 U.S.C. 1681e ( b ) |
| they must be removed. Re-reporting after deletion without notice violates FCRA 611 ( a ) ( 5 ) ( B ) and will be met with immediate legal recourse. | 1 | 0.0% | Federal Trade Commission ( FTC ) |
| they must correct it. Delete account off credit report Further This is the only personal information that should be available on my credit report | 1 | 0.0% | payment history is inaccurate- Delete account immediately for violation of 15 USC 1681e ( b ) Delete account off credit report XXXX XXXX - XXXX - date opened and last active is inaccurate - 15 U.S.C. 1681s-2 ( a ) Duties of Furnishers of InformationThis section requires creditors ( furnishers ) to provide accurate information to credit reporting agencies ( CRAs ). If they report a late payment incorrectly ( wrong date |
| they must correct or remove the disputed information | 1 | 0.0% | XX/XX/2023 |
| THEY MUST DELETE THE ACCOUNTS WITH INACCURATE INFORMATION per Section 609 9a ) 1 of the FCRA upon my request. | 1 | 0.0% | the files I have attached clearly show that they are continuing to report variations of my LEGAL NAME |
| they must eliminate the accounts specified in my dispute letters. | 3 | 0.0% | I have requested that this credit reporting agency provide the original documents that also contains my physical signature along with any other supportive information to conclude their dispute ; or remove the items from my credit report As stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act |
| they must first successfully open a Comerica XXXX XXXX XXXX account through OAO then meet the following criteria XXXX XXXX XXXX Deposit {$50000.00} within 30 days of account opening ( across a few acct types ) and maintain a minimum balance of {$50000.00} for an additional 60 days ( 90 total days ) after account opening. After meeting the requirements | 1 | 0.0% | XXXX XXXX Welcome! Your last Log In was Friday |
| they must have given me about XXXX secret numbers ... and each one failed the following day. | 1 | 0.0% | I went on line to sign up for XXXX '' banking. From XXXX to about XX/XX/XXXX |
| they must have received the funds that evening in the same way that they 'd taken them from me. The PayPal supervisor then tried to explain that they were entitled to hold my funds | 1 | 0.0% | I called PayPal on XXXX/XXXX/16 |
| they must have the proof to show it. I have requested this proof and I have got nothing. 15 U.S. Code 1666b - Timing of payments U.S. Code Notes prev | next ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose | 1 | 0.0% | nor did they have written instructions from me to place this on my credit report. 15 usc 1682 a115 U.S. Code 1681a - Definitions ; rules of construction |
| they must make a final determination within 25 business days of your orginal submission. | 1 | 0.0% | under limited circumstances |
| they must not open my record before calling. | 1 | 0.0% | and XXXX issued Bridgecrest to reverse my two payments. Which show in the portal ; however |