| XXXX XXXX XXXX ( XXXX ) XXXX Cell,Company has responded to the consumer and the CFPB and chooses not to provide a public response,BANK OF AMERICA | 1 | 0.0% | and is well aware of the fiduciary responsibilities he has to abide by and uphold ; on and off duty. I want my funds returned to me without further delay. I contacted Bank of America |
| XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX CXXXX XXXX Inquiry : XXXX XXXX | 1 | 0.0% | XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX |
| XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX | 2 | 0.0% | NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX |
| XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX | 1 | 0.0% | XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX XXXX |
| XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX | 1 | 0.0% | XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX |
| XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I got no reply from Direct Express nor any XXXX of explanation | 1 | 0.0% | a copy of my Drivers License ( front |
| XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX | 1 | 0.0% | NC XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Dispute this Address XXXX XXXX XXXX XXXX XXXX |
| XXXX XXXX XXXX ( XXXX ). You will be held liable for your actions. Let me remind you | 1 | 0.0% | as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX |
| XXXX XXXX XXXX ( XXXX : XXXX | 2 | 0.0% | XXXX XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX |
| XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). | 1 | 0.0% | the entire matter is void |
| XXXX XXXX XXXX ( XXXX Cir. XXXX ) | 10 | 0.0% | furnishers must ensure the accuracy of information reported to credit bureaus. Additionally |
| XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX v. BB & T | 3 | 0.0% | delete per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Last Verified - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Date of Last Activity - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Opened - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Balance Owed - TransUnion : {$450000.00} - Experian : {$450000.00} - Equifax : {$620000.00} Payment Status - TransUnion : Current - Experian : Current - Equifax : Late 120 Days Creditor Remarks- TransUnion : ( blank ) - Experian : ( blank ) - Equifax : Real estate mortgage ; FHA mortgage Payment Amount - TransUnion : {$4100.00} - Experian : {$4100.00} - Equifax : {$4800.00} Last Payment - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Term Length - TransUnion : 504 months - Experian : 504 months - Equifax : ( blank ) Past Due Amount - TransUnion : {$0.00} - Experian : {$0.00} - Equifax : {$25000.00} Two-Year Payment History ( 30/60/90 ) - TransUnion : XXXX - Experian : XXXX - Equifax : XXXX ( These values are mathematically incompatible and contradict the monthly history. I have never been late. ) * * Requested Outcome * * - Correct all fields to be accurate and consistent across all bureaus - Remove all late-payment codes- Report this account as Pays as Agreed/ Current - If any item can not be verified using original source documentation from the furnisher |
| XXXX XXXX XXXX ( XXXX Cir. XXXX ) determined that credit bureaus must verify disputed data with reasonable diligence. | 3 | 0.0% | XXXX XXXX XXXX ( XXXX XXXX. XXXX ) |
| XXXX XXXX XXXX ( XXXX Cir. XXXX ). | 3 | 0.0% | itemized account history |
| XXXX XXXX XXXX ( XXXX XXXX ) | 1 | 0.0% | XXXX XXXX XXXX |
| XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( furnisher must conduct its own reasonable investigation | 1 | 0.0% | upon receiving a notice of dispute regarding the accuracy of information provided to CRAs |
| XXXX XXXX XXXX ( XXXX XXXX ) | 2 | 0.0% | XXXX XXXX XXXX XXXX ( XXXX XXXX ) |
| XXXX XXXX XXXX ( XXXX XXXX ) : A case reiterating the principle that a mortgage can only be enforced by the holder of the note. The Trustee was not assigned the note and mortgage and that assignment happens at XXXX XXXX level where the real property is recorded. XXXX and MERS are recorded at the County level. Secondly | 1 | 0.0% | CUSIP No. XXXX show The Federal Reserve Bank XXXX XXXX XXXX as the Depository and XXXX XXXX XXXX XXXX XXXX XXXXXXXX as the Central Paying and Transfer Agent. See Exhibit C Originally issued by XXXX XXXX XXXXXXXX XXXX |
| XXXX XXXX XXXX ( XXXX XXXX ) had Virginia Worker 's Compensation benefits that were supposed to be paid weekly in the amount of {$1200.00} | 1 | 0.0% | in this case and due to recent events |
| XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX damages compensable under FCRA ) ; XXXX | 1 | 0.0% | courts have consistently held that actual damages XXXX include XXXX XXXX XXXX XXXX even in the absence of out-of-pocket expenses. '' XXXX v. Equifax XXXX XXXX. XXXX |
| XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ). The Borrower believed that his employment and the economic conditions would improve or stay the same. No one expected the total devastation of the economy which resulted in millions of homeowners to default on their loans because of massive layoffs and elimination of whole job categories. Millions of jobs were sent overseas too. The borrower was among those affected. Accordingly | 1 | 0.0% | a defense of Impossibility of Performance is warranted. The Impossibility of Performance doctrine excuses a contractual performance when it is rendered objectively impossible to perform either by operation of law or subject matter of the contract has been destroyed. Thus |
| XXXX XXXX XXXX ( XXXX XXXX XXXX ) | 1 | 0.0% | I am being personally pursued as an individual guarantor. As such |
| XXXX XXXX XXXX ( XXXX XXXX XXXX ) further establishes that consumer reports must be accurate and complete. I trust you will comply with these legal standards and promptly address this dispute. | 1 | 0.0% | XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) |
| XXXX XXXX XXXX ( XXXX XXXX XXXX ). ( PLEASE BE advised that the security deed remains in its original full force and effect from its inception | 1 | 0.0% | a final judgment was entered by automatic operation of law. See EXHIBIT-F |
| XXXX XXXX XXXX ( XXXX XXXX XXXX : # XXXX | 1 | 0.0% | XXXX XXXX XXXX ( XXXX XXXX ) : # XXXX |
| XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) | 2 | 0.0% | intentional acts reflect not just negligence but a coordinated pattern of misconduct |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) | 4 | 0.0% | Late Payments Reported in Error XXXXXXXX XXXX has reported late payments for periods during which I did not receive a billing statement |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ; XXXX v. TransUnion | 1 | 0.0% | 1681e ( b ) |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Automated dismissals are violations I demand that the CFPB investigate these stall tactics as a pattern of obstruction and noncompliance. | 3 | 0.0% | LLC |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) confirmed the duty of credit reporting agencies to ensure data accuracy | 1 | 0.0% | including unauthorized inquiries |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must report complete and accurate data. | 1 | 0.0% | status : Paid |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Punitive damages appropriate for reckless FCRA violations -- - # # FINAL DEMAND To avoid immediate litigation | 1 | 0.0% | XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to report dispute violates XXXX ( XXXX ) - XXXX XXXX XXXX XXXX XXXX |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) reinforces the requirement that furnishers conduct proper investigations into disputes and verify the accuracy of their reporting. | 1 | 0.0% | under XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ) law |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX v. XXXX | 1 | 0.0% | ( 5 ) Reporting projected through XXXX XXXX XXXX XXXX XXXX XXXX XXXX failure to investigate 15 U.S.C. 1681s-2 ( b ) Ignored certified disputes and data accuracy duties All Defendants Deceptive and unfair practices XXXX XXXX XXXX ( XXXX ) ( xxi ) ; NJ XXXX XXXX Misrepresentation and concealment of verification records All Defendants XXXX XXXX Reporting Violations XXXX XXXX XXXX Manual XXXX CFPB XXXX XXXX Missing XXXX |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ). | 6 | 0.0% | including emotional distress |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ). ) - FCRA XXXX XXXX. XXXX ( a ) & XXXX ( b ) : Requires reasonable reinvestigation and correction/deletion of unverified information. ( XXXX XXXX XXXX | 2 | 0.0% | Equifax |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The persistence of inconsistent data between bureaus is indisputable proof that no real investigation ever occurred.,,EQUIFAX | 1 | 0.0% | the furnishers XXXX |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The persistence of inconsistent data between bureaus is indisputable proof that no real investigation ever occurred.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TRANSUNION INTERMEDIATE HOLDINGS | 1 | 0.0% | the furnishers XXXX |
| XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) : FCRA-related UTPCPL claims permitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX | 1 | 0.0% | I reserve the right to pursue : Regulatory complaints with CFPB |
| XXXX XXXX XXXX ( XXXX XXXXr. XXXX ) | 1 | 0.0% | furnishers must ensure the accuracy of information reported to credit bureaus. Additionally |
| XXXX XXXX XXXX ( XXXX. XXXX | 1 | 0.0% | as well as the consumer protection laws of my state. Servicers such as Homepoint are obligated to provide a CARES Act forbearance if : ( 1 ) a borrower requests forbearance |
| XXXX XXXX XXXX ( XXXX. XXXX ) ( The XXXX XXXX writing that XXXX had no property rights and XXXX is not the beneficiary | 1 | 0.0% | the servicer can not proceed with the foreclosure sale. On or about XX/XX/XXXX |
| XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) | 5 | 0.0% | Com. Law 14-201 ) Law. In addition to the accounting records |
| XXXX XXXX XXXX ( XXXX. XXXX. XXXX. XXXX | 1 | 0.0% | case law supports my position. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
| XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ( misleading information is inaccurate ) ; XXXXXXXX XXXX XXXX XXXX | 3 | 0.0% | mixed charged-off/good-standing inferences |
| XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ). | 1 | 0.0% | documented proof of accuracy ( e.g. |
| XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) establishes that a debt collector can not furnish information to credit reporting agencies without a permissible purpose. | 1 | 0.0% | under the Fair Credit Reporting Act ( FCRA ) |
| XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) | 2 | 0.0% | furnishers who receive a dispute from a credit reporting agency are required under FCRA 1681s-2 ( b ) ( 1 ) ( A ) to conduct a proper investigation |
| XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) ). | 1 | 0.0% | documented proof of accuracy ( e.g. |
| XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX emphasizes the obligation of lenders and furnishers to ensure that accurate information is reported ; failure to do so can lead to liability under the FCRA. Furthermore | 1 | 0.0% | particularly Sections 602 |