| WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian Information Solutions Inc.,TX,770XX,,Consent provided,Web,2022-10-04,Closed with non-monetary relief,Yes,N/A,6044918 | 1 | 0.0% | XXXX |
| WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | XXXX |
| which I'm unable to log in to use | 1 | 0.0% | as they still provide IT support and thought at least they would know what the issue is. Unfortunately |
| which I've also sent correspondence to | 1 | 0.0% | and what rights they afford the consumer to dispute a debt and have it removed from my report. In response Experian simply keeps saying debt verified '' rather than providing a proper response based on the requests I've made. I consider the debt being fraudulently reported as a result. As the consumer I have the right to request certain information regarding a collection reported against me such a valid contract or agreement as prrof that the debt is owed to the collection agency. I do not have any contract with XXXX so I do not by law owe them anything |
| which I've never got one. I can't believe this kind of problem can't be solved throught the internet or phone calls in the 21th century. | 1 | 0.0% | password to create an access to my checking account |
| which I've since determined was not true. I left with the advice to call back the customer service number for additional follow up and was told they would look into it. To this date no one has responded | 1 | 0.0% | after some 40 +/- minutes reviewing all the pertinent documentation and information regarding all aspects of the check and it's origins and purpose |
| which Id never been aware of prior | 1 | 0.0% | after clicking on text shown in my online banking account |
| which if they did a proper investigation | 1 | 0.0% | the credit card company is required to complete an investigation. In my case |
| which if warned | 1 | 0.0% | and a good one. At no point ever |
| which ignored it because it was not referenced on the flood insurance policy XXXX page. Flood insurers refuse to put RCVs on their policy XXXX page. Perhaps they are getting kickbacks for the fraudulent scheme as well as is Flagstar.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Flagstar Bank | 1 | 0.0% | Flagstars letter of XX/XX/XXXX ( Exhibit AA ) complains : The lender-placed policy should not have been cancelled since we do not have an updated copy of your insurance policy for the property ( XXXX XXXX XXXX |
| which immediately raised suspicions. | 1 | 0.0% | the person I spoke with claimed that the purpose of their call was to give me a courtesy call that someone was scheduled to visit my address to deliver a document. When I asked what the document was |
| which immediately rules out our participation in the events. | 1 | 0.0% | at the time the events occurred |
| which impact my memory and my ability to process complex information. | 2 | 0.0% | I was contacted by an attorney from XXXX XXXX XXXXXXXX about an alleged debt from a car accident in [ XXXX ]. During the call : I explained my leave status |
| which impacted my ability to secure housing | 1 | 0.0% | Navient has repeatedly misreported my payment history |
| which impaired my judgment and reaction time to this unconscionable activity. XXXX have sided with me | 1 | 0.0% | specifically 1026.12 of the TILA contains special credit card provisions that limit my liability. According to California Financial Code Section 2102 |
| which implements the Fair Debt Collection Practices Act ( FDCPA ) | 3 | 0.0% | XXXX XXXX XXXX |
| which implements the FDCPA. The official interpretation to 12 C.F.R. 1006.2 ( i ) of Regulation F says that a debt buyer is not considered a debt collector '' for the purposes of the FDCPA if ( 1 ) it doesn't collect debts owed or due to another and ( 2 ) doesn't have a business with the principal purpose of collecting debts. Any further action by Credence Resource Mangment will result in a lawsuit. Thank you very much.,,Kriya Capital | 1 | 0.0% | this court said that if a business 's principal purpose is debt collection |
| which implies illegal or excessive post-charge-off fees. I demand an itemized accounting of all charges and fees that led to this inflated balance. Unauthorized Payment Activity : A {$25.00} payment is reported in XXXX well after the account was allegedly charged off. This was not made or authorized by me | 1 | 0.0% | This letter serves as a formal dispute and demand for deletion regarding the above-referenced account that your company has reported to Equifax |
| which imposes yet another unreasonable burden. CMG Financial has confirmed they will not provide my account number over the phone | 1 | 0.0% | CMG Financial revoked my ability to make mortgage payments online through their portal. I am now required to call their customer service line each month to process payments. However |
| which in fact he failed to do | 1 | 0.0% | and prey on innocent consumers to make illegal profit and gain. Universal Collection XXXX is a prime example of what the XXXX XXXX refer to as illegal underhanded rogue collection agency that works above |
| which in fact it did and they told me it was not a valid report because it was not hard stamped with a seal. It is incredibly frustrating when there is a company such as Equifax that handles very important information and they cant even do a simple job correctly. I am hoping you can offer any assistance in this matter because I can not keep fighting with them much longer. | 1 | 0.0% | XXXX |
| which in itself appears to be extremely concerning for a financial institution.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,REGIONS FINANCIAL CORPORATION,IL,61820,,Consent provided,Web,2025-03-04,Closed with explanation,Yes,N/A,12318883 | 1 | 0.0% | I can not update my direct deposit information because I can not log into Comdatas portal. This is not a problem with my login information |
| which in itself is highly suspect and these processes '' performed were in non-disclosure to us. | 1 | 0.0% | without our free CONSENT nor our knowledge |
| which in my case are all incorrect. Attached is a pdf of my account and loan summary with a record of my XX/XX/XXXX payment at the bottom. There is no reason that it should take this many months for me to be able to accurately make payments on my loans.,,EdFinancial Services,MA,02138,,Consent provided,Web,2024-01-31,Closed with explanation,No,N/A,8256273 | 1 | 0.0% | however |
| which in some cases could lead to identity theft. Please delete these outdated addresses and update the address with the one above. | 1 | 0.0% | impartiality |
| which in the case of this loan | 1 | 0.0% | once the XXXX XXXX has expired |
| which in this case | 2 | 0.0% | NC XXXX for my mortgage/they are lying that no claim was made. XXXX should be shut down and all the wrongs done against customers be reversed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| which in this case is LVNV Funding | 1 | 0.0% | XXXX these accounts are listed under First Reported '' in XXXX XXXX '' |
| which in this case would be myself. It also states that the information on my report can not be obtained from a CREDITOR. | 1 | 0.0% | it states that the term investigative consumer report '' means a consumer report or PORTION of the report has information based on the consumers character |
| which in turn can have a significant negative impact on future borrowing costs,Company chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | I am directed into a XXXX way loop of blame |
| which in turn influenced XXXX XXXX XXXX decision. Being reported to XXXX a consumer reporting agency governed by the Fair Credit Reporting Act can significantly impact ones ability to open new accounts | 1 | 0.0% | the closure of my personal account also forced the closure of my small business account with NFCU ( since I could no longer maintain any relationship with the credit union ). This disrupted my business operations |
| which in turn is a stockholder of XXXX XXXX XXXX | 1 | 0.0% | CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO |
| which in turn will damage my credit!,Company has responded to the consumer and the CFPB and chooses not to provide a public response,CITIBANK | 1 | 0.0% | damage your credit |
| which in XX/XX/XXXX would have cause me to bring {$0.00} to close on the grant. My income decreased 50 % | 1 | 0.0% | and on XX/XX/XXXX XXXX called me telling me I needed to bring {$9000.00} to closing on the Grant |
| which in XXXX XXXX would have cause me to bring {$0.00} to close on the grant. My income decreased 50 % | 1 | 0.0% | and on XXXX/XXXX/XXXX XXXX called me telling me I needed to bring {$9000.00} to closing on the Grant |
| which inaccurately reflects my payment behavior Pursuant to the Fair Credit Reporting Act ( FCRA ) | 3 | 0.0% | In reviewing the information provided |
| which inaccurately reflects my payment behavior. | 8 | 0.0% | I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX Account Number : [ XXXX ] Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance |
| which include : A five-year prohibition on marketing optional products | 1 | 0.0% | XXXX XXXX XXXX and XXXX XXXX XXXX XXXX agreed to pay XXXX to settle with the FTC and the U.S. Department of Housing and Urban Development ( HUD ) |
| which included 30 % off suites ( and we got a XXXX XXXX XXXX nights ). | 1 | 0.0% | the AmEx XXXX representative who was helping us book our family vacation |
| which included a note that I did not need to return the goods. The email from the merchant also indicated they were not interested in sending a return mailer for the items. However | 1 | 0.0% | I inquired about its status. At that point |
| which included four ( 4 ) separate documents. Two documents are dated XX/XX/XXXX and XX/XX/XXXX respectively. | 1 | 0.0% | Upon careful review and consideration of the XX/XX/XXXX letter |
| which included my email address | 2 | 0.0% | as of XX/XX/XXXX our records indicate consumer contacted our office |
| which included my tuition fees | 1 | 0.0% | and asked for the reason |
| which included my XXXX XXXX XXXX cellular phone service | 2 | 0.0% | within 30 days |
| which included photos of what XXXX advertised versus received | 1 | 0.0% | I emailed the company |
| which included sending 50 emails | 1 | 0.0% | I was contacted by XXXX XXXX XXXX ( XXXX ) regarding a work-from-home appointment setting role. They claimed I could earn income after completing training and daily outreach. They required me to pay for their program and instructed me to open new credit lines to cover the cost. I opened five credit linesXXXX XXXX |
| which included taxes | 1 | 0.0% | my son fell on hard times due to XXXX XXXX XXXX While in treatment |
| which included the following : Trust EIN | 2 | 0.0% | I visited Bank of America with intentions of opening a checking account. During the application process |
| which included the length of time for the refinance process and the lack of communication from KeyBank. I requested to speak to someone regarding the matter | 1 | 0.0% | I emailed XXXX XXXX to inquire about the status of my appraisal |
| which included the letter and additional checks which I did not use. She said I needed to wait until Marketing sent me another offer-letter packet to read the verbiage. She couldn't tell me when that might be. I requested that she have Marketing just send me a blank packet which was voided. She told me that she could not. I asked her to waive or reduce the fee if I paid the balance off today. She said she could not do that. I asked her to speak to her supervisor and was told that there was no one over her. ( She actually said that! ) I then asked which federal agency regulated her bank and she said I would need to do my own research. She couldn't tell me that.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,CITIBANK | 1 | 0.0% | Account Manager in the Client Advocacy Unit and was told that the fee was noted on the first page of the letter of qualification ; not on the checks. I indicated that had I known of the fee I would not have requested implementation of transfer check. I then asked if she could send me a copy of the letter |
