| violating FCRA 605A - Requests : Immediate deletion of XXXX XXXX tradeline | 1 | 0.0% | giving false impression of current delinquency - Re-aged account in violation of FCRA 605 ( c ) - No validation provided |
| violating FCRA 607 ( b ). | 1 | 0.0% | not a traditional credit line. Reporting it as a charge-off is inaccurate and misleading to creditors. I had a dispute with the utility company over service charges that were never resolved |
| violating FCRA 609 | 2 | 0.0% | but the information is inaccurate |
| violating FCRA 611 ( a ) ( 5 ) ( B ). | 1 | 0.0% | Police Report |
| violating FCRA 611 ( a ) which requires a reasonable reinvestigation. | 1 | 0.0% | several unverified and unauthorized accounts remain on my report. The account XXXX XXXX XXXX * |
| violating FCRA 623 ( a ) ( 3 ) and XXXX XXXX dispute code guidelines ( CP/XB ) ; I never gave Sunrise Credit Services consent to furnish any information about me to consumer reporting agencies | 1 | 0.0% | including : A copy of the original application and contract bearing my wet ink signature proving that I agreed to and am obligated to this alleged debt ; Proof that XXXX XXXX XXXX XXXX legally assigned or sold this debt to Sunrise Credit Services ; A complete payment history and amortization schedule ; The name and address of the original creditor and any subsequent debt owners ; Proof of legal authority to collect this debt in the state of Alabama |
| violating FCRA 623 ( a ) ( 5 ) and Metro 2 standards. | 3 | 0.0% | any charges or balance allegedly owed are fraudulent |
| violating FCRA Section 605B which mandates correction of such misinformation. | 2 | 0.0% | XXXX Wrong Address XXXX XXXX XXXX |
| violating FCRA sections 607 ( b ) and 611. I am requesting the FTC to review this as a failure to conduct a reasonable investigation and failure to ensure accuracy and I am formally requesting the immediate deletion of the account. | 3 | 0.0% | account # XXXXXXXX XXXX XXXX XXXX XXXX ) that contains multiple inconsistencies across all three credit bureaus ( TransUnion |
| violating FCRA timelines XXXX As of XX/XX/year> | 3 | 0.0% | the fraudulent accounts were blocked |
| violating FCRA XXXX ( a ) ( XXXX ) ( B ). | 1 | 0.0% | I mailed to Experian and they received on XX/XX/year> a complete set of dispute materials |
| violating FDCPA 809 ( b ) and 807 ( 8 ) | 3 | 0.0% | access housing or auto financing |
| violating federal and state consumer protection laws | 1 | 0.0% | such an argument would be utterly baseless and a transparent attempt to deflect from its own ( and its predecessor 's agent 's ) profound misconduct. The doctrine of unclean hands is an equitable defense applicable only when the party seeking relief has themselves engaged in misconduct directly related to the specific matter in which relief is sought and which has prejudiced the opposing party in that same transaction. Any allegations regarding the tone or frequency of my communications |
| violating federal law and compromising my financial situation. This unauthorized action has had a direct and adverse impact on my ability to manage my student loan obligations | 2 | 0.0% | students educational records are protected from unauthorized disclosure. However |
| violating federal law. | 1 | 0.0% | documentation |
| violating its obligations under federal law. | 1 | 0.0% | submission of documentation |
| violating its own written grace period. | 1 | 0.0% | XXXX XXXX XXXX XXXX |
| violating Maryland law XXXX | 3 | 0.0% | Com. Law 14-202 ) : As a Maryland resident |
| violating Md. Code | 1 | 0.0% | violating both federal and state consumer protection laws. In Maryland |
| violating Metro 2 standards and FCRA requirements. Below are the specific violations for each account : XXXX. XXXX XXXX ( Credit Card XXXX with Serious Delinquency | 1 | 0.0% | I reviewed my Equifax credit report and identified critical issues with negative accounts impacting my FICO Score XXXX ( XXXX ). The report lists XXXX negative accounts : two XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) |
| violating Metro 2 standards for accuracy | 2 | 0.0% | XXXX Account Number : XXXX Metro 2 Fields Violated : Payment History |
| violating multiple federal laws. | 1 | 0.0% | the account shows : Impossible chronological dates No proof of ownership |
| violating multiple federal regulations. Their continued inaction has caused significant damage to my creditworthiness | 3 | 0.0% | despite prior disputes and the provision of supporting evidence |
| violating my consumer rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA.,,EQUIFAX | 1 | 0.0% | and given the lack of any substantiating evidence for the charges or my agreement to pay them |
| violating my consumer rights. | 4 | 0.0% | XXXX. XXXX XXXX reported a tradeline claiming to collect on behalf of XXXX XXXX XXXX XXXX ( XXXX ). I have never had any utility account with XXXX |
| violating my demand to not contact me in this manner | 1 | 0.0% | I filed a complaint against this company and XXXX XXXX on XX/XX/year> and demand them to Do Not Contact Me Further as to relates to this alleged account. Comenity bank responded back through the CFPB portal as expected. To date |
| violating my federal rights. | 1 | 0.0% | during a court hearing |
| violating my FERPA rights. | 9 | 0.0% | educational institutions and their affiliates must safeguard student records and obtain proper authorization before disclosing or utilizing student information for purposes beyond the intended scope. The violations include |
| violating my privacy rights as protected by the Federal Trade Commission. | 1 | 0.0% | I wish to bring to your attention a separate data breach incident. On XX/XX/year> |
| violating my privacy rights as protected by the Federal Trade Commission. Also | 1 | 0.0% | I wish to bring to your attention a separate data breach incident. On XX/XX/year> |
| violating my privacy rights. ** Additionally | 3 | 0.0% | I have the right to opt out of having my **non-public personal information ( NPI ) ** shared with third parties. Companies such as **TransUnion |
| violating my request to stop contacting me | 1 | 0.0% | I disputed the debt |
| violating my right to accurate and verifiable reporting under federal law. This account must be deleted. | 3 | 0.0% | 607 ( b ) |
| violating my right under the FCRA to receive a clear and accurate reason for an adverse action. This lack of transparency | 1 | 0.0% | XX/XX/year> |
| violating my rights under 15 U.S.C. 1681i | 1 | 0.0% | Upstart 's actions also violate several federal and state laws : Violations of Federal and State Laws Violation of the Fair Credit Reporting Act ( FCRA ) |
| violating my rights under the FCRA. | 4 | 0.0% | the credit bureaus continue to report inaccurate and unverifiable information on my file. I specifically requested details of their reinvestigation procedures |
| violating my rights under the Gramm-Leach-Bliley Act ( 15 USC 6801 ). | 1 | 0.0% | plate |
| violating my rights under the XXXX XXXX ( XXXX XXXX XXXX ). | 1 | 0.0% | plate |
| violating my rights. | 2 | 0.0% | consumer reporting agencies ( XXXX |
| violating Ohio 's trespassing laws. Trespassing | 1 | 0.0% | the responding officers arrived within XXXX minutes. The police official |
| violating permissible use guidelines under 15 U.S.C. 1681b. | 2 | 0.0% | specific account entries remain disputed and uncorrected : ( 1 ) XXXX XXXX |
| violating Section 605B of the Fair Credit Reporting Act ( FCRA | 3 | 0.0% | I have disputed these fraudulent accounts multiple times with Experian |
| violating several provisions of the Fair Credit Reporting Act ( FCRA ) and federal tax reporting laws. | 1 | 0.0% | XXXX ( XX/XX/XXXX ) |
| violating SPOC duties to assist with loss mitigation and provide accurate information. Furthermore | 1 | 0.0% | XXXX XXXX explicitly refused assistance |
| violating the 5 business days requirement | 1 | 0.0% | Email confirmation received on same day. Receive response to ( QWR ) dated XX/XX/XXXX on XX/XX/XXXXviolating the 5 and 30 business days requirement |
| violating the accuracy provisions of FCRA 1681e ( b ). | 1 | 0.0% | 1681i |
| violating the CFPA ( 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) ). | 1 | 0.0% | including : Failure to properly conduct reinvestigations of disputed accounts under FCRA 611 ; Failure to block identity theft-related information as required under FCRA 605B |
| violating the ECOAs prohibition against discrimination in credit transactions. | 1 | 0.0% | High debt relative to income '' |
| violating the Fair Credit Reporting Act ( FCRA ) and deliberately causing further financial damage and frustration.,,GOLDMAN SACHS BANK USA,TN,38016,,Consent provided,Web,2024-11-13,Closed with monetary relief,Yes,N/A,10783868 | 1 | 0.0% | I was denied a financial service that I had worked hard to receive over the past several years. On XX/XX/XXXX |
| violating the Fair Credit Reporting Act (FCRA) | 6 | 0.0% | violating the Fair Credit Reporting Act (FCRA) |