| yet claimed balances of {$550.00} and {$1300.00} | 1 | 0.0% | submitted around XX/XX/year> ) |
| yet continue reporting damaging delinquencies. | 1 | 0.0% | XXXX |
| yet continue to abuse the system. XXXX has allowed this fraudulent account to remain on file | 1 | 0.0% | my identity was stolen by XXXX XXXX XXXX while staying at my residence. He used my personal information to open a fraudulent {$200.00} XXXX loan tied to a XXXX transaction. That account is now circulating among third-party collectors and still showing up on my credit report. I have submitted the following : FTC Identity Theft Report XXXX XXXX XXXX XXXX Police Report XXXX XXXX XXXX XXXX Sheriff Report XXXX XXXXXXXX ( XX/XX/XXXX ) Entities Involved and Violations Affirm Re-aged the fraudulent account post-charge-off Sold it to XXXX XXXX Refused to provide proper Proof of Validation ( XXXX ) or Method of Verification ( XXXX ) XXXX Originated the transaction but never responded or investigated Failed to provide acknowledgment of fraud TrueAccord Continued to pursue collection after being notified of identity theft Violated FDCPA by failing to cease collection activity XXXX XXXX Currently attempting to collect on the same account Not reporting to XXXX at this time ( included here for accuracy ) XXXX Still reporting this fraudulent account as open and current Falsely inflating my credit history with inaccurate data Enabling continued damage to my creditworthiness Purpose of This Letter This is not a negotiation or dispute. This is legal documentation for my case. I have : Multiple FTC identity theft reports XXXX police reports Prior complaints submitted to CFPB |
| yet continued to be abusive | 1 | 0.0% | tonight ( XX/XX/18 at about XXXX XXXX. PST ) I spoke with an abusive upper level manager |
| yet continued to report to credit bureaus that I am in default instead of forbearance. In late XXXX | 1 | 0.0% | in XX/XX/XXXX |
| yet continues to be reported on my credit file. Reporting an unverifiable debt violates FCRA 1681e ( b ) | 1 | 0.0% | I requested the following documents |
| yet continues to report this collection | 1 | 0.0% | XXXX |
| yet continues to report this information. | 1 | 0.0% | XXXX |
| yet CRAs show {$610.00}. Provide a full itemization ( principal | 1 | 0.0% | XXXX XXXX XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested XXXX XXXX XXXX XXXX XXXX |
| yet CRM continues to report it | 1 | 0.0% | CRM finally produced what they claim is validation a XXXX billing statement dated from XXXX. It is now XXXX. A XXXX-year-old billing statement |
| yet Discover denied my dispute. | 1 | 0.0% | claiming that I needed proof that the seller agreed to issue a refund. This is an unreasonable standard |
| yet eliminate surely 80 % of overdraft fees incurred -- offer a two-day grace period | 1 | 0.0% | even more |
| yet Equifax continues to ignore its responsibility.,,EQUIFAX | 1 | 0.0% | and when I was approved for financing |
| yet Equifax had access to my shopping in XXXX | 1 | 0.0% | on XX/XX/XXXX and XX/XX/XXXX |
| yet Equifax has neglected to comply with this requirement. | 1 | 0.0% | particularly regarding the Date Opened : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened is inaccurate ) I have disputed these accounts on multiple occasions |
| yet Equifax has not removed it. This is unacceptable. I demand Equifax delete the XXXX XXXX XXXXXXXX tradeline immediately for non-compliance with FCRA accuracy and reinvestigation requirements. | 1 | 0.0% | Opened XXXX ) : Equifax shows this student loan with a balance of {$19000.00} and categorizes it as a Bad debt/collection account. Notably |
| yet Experian failed to conduct a reasonable reinvestigation in violation of FCRA 611 and CFPB guidelines on proper reinvestigation practices. This inaccurate address is enabling the association of fraudulent or unverifiable accounts with my profile and must be permanently deleted. | 1 | 0.0% | XXXX XXXX |
| yet Experian has failed to correct these errors or conduct a proper investigation 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.,MD,21221,,Consent provided,Web,2024-09-03,Closed with explanation,Yes,N/A,9988349 | 1 | 0.0% | including my name |
| yet Experian has neglected to comply with this requirement. | 1 | 0.0% | particularly regarding the Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened is inaccurate ) I have disputed these accounts on multiple occasions |
| yet Experian has not provided documentation showing proper verification | 1 | 0.0% | opened XX/XX/XXXX |
| yet Experian has repeatedly refused to update my credit report accordingly. | 1 | 0.0% | Names XXXX XXXX # XXXX |
| yet failed to do so. | 2 | 0.0% | I contacted XXXX to discuss this situation and express my concerns regarding the lack of prior contact. Unfortunately |
| yet fails to acknowledge the months of consistent | 2 | 0.0% | I understand that certain information regarding transactions or experiences between myself and creditors |
| yet Ginny 's and Montgomery Wards insisted that there were no late payments ever reported on my credit reports yet till this day | 1 | 0.0% | XX/XX/year> |
| yet GM financial continues to say I owe taxes | 1 | 0.0% | nor do I have an open account with GM Financial. When I call GM financial they keep apologizing and say that their records show I owe property taxes on the car |
| yet Google Wallet wants to act as if this is a dispute '' and make me wait weeks for them to do something | 1 | 0.0% | and the only advice they have given to me is to try to contact the person even though I made it clear to them multiple I already did and they are not responding |
| yet had no record in the system of this why XX/XX/XXXX was reported as late by 30 and 60 days | 1 | 0.0% | prompting me to submit this additional complaint : 1. The financial institution reported an additional 30-day late payment to my credit reports for a different month than the one mentioned in my initial complaint |
| yet halfway through the associate will hang up on me and then I never recieve a call back. | 1 | 0.0% | which I did not make any purchases on that day of this amount. When I contacted Wells Fargo to submit a fraud claim |
| yet hardly fair or just situation financial situation ( for now ). My husband and I work very hard | 1 | 0.0% | electrical |
| yet has waited until XXXX to express a need to rush. Mind you | 1 | 0.0% | buyer emails Mr. XXXX asking for status. Mr. XXXX replies |
| yet he pushed me to try to pursue a VA home loan even though I had made it clear that I didn't intend to move from my current XXXX. This fact is reflected in the loan estimate dated XX/XX/2020. In addition | 1 | 0.0% | I locked my interest rate at 2.625 % with XXXX XXXX ( NMLS # XXXX ) for a conventional loan on XX/XX/2020 |
| yet he said it was n't good enough | 1 | 0.0% | when they ran our credit report they had incorrect information. The information they received came from Wells Fargo in some way |
| yet he said it was too difficult for me to comprehend. | 1 | 0.0% | I met with XXXX XXXX |
| yet he wouldnt answer | 1 | 0.0% | the personal banker |
| yet I am already making payments to it. I contacted Affirm once again and explained the situation. I explained how they did not have a correct address and that it was shipped already. Affirm advised that I visit the address they had on file and try and retrieve the machine. I visited the incorrect address they provided and spoke with a gentleman. He stated he had not receive anything and that if he had he would of taken it to the post office as return to sender. I contacted Affirm once again | 1 | 0.0% | I made my first payment to Affirm of XXXX where they were charging me for the machine. Before this I was never informed that the purchase was even made. I made the payment and contacted Affirm |
| yet I am being labeled as unresponsive '' despite actively working to resolve the matter and complying within the time frame required in the messaging portal. | 1 | 0.0% | I would like to address the following issues : 1. Inconsistent Requirements At the outset |
| yet I am being penalized for their mistake. | 1 | 0.0% | I called Affirm again and spoke with a supervisor named XXXX |
| yet I am the one facing the consequences. | 1 | 0.0% | incurring additional unnecessary expenses due to the initial undelivered item. Living in a small apartment building in XXXX |
| yet I can not refinance due to the negative impact on my credit. | 1 | 0.0% | for $ XXXX |
| yet I continue to face demands for payment on what I believe is an unfairly presented debt. | 1 | 0.0% | OneMain Financial has a documented history of misleading borrowers. In XX/XX/XXXX |
| yet I continue to face the same inaccurate reporting. | 1 | 0.0% | it has harmed my credit score and credit profile |
| yet I DID NOTHING TO CAUSE THE DECLINE! N.O.T.H.I.N.G!!! | 1 | 0.0% | I have for decades maintained a PERFECT credit score. My current file is the same. No public records. No inquiries. No nothing. The amount of my available credit has not declined XXXX cent. NOTHING on my side changed. All bills paid in full on or ahead of due date |
| yet i got a different representative each time who told me different things. All of them said just wait dont worry. I was finally was told verbally on the phone that the modification was ALSO denied a couple Days ago still With no explanation. I have not received anything yet in the mail stating that. I had to call everyday to ask the status & wait hours | 1 | 0.0% | on XX/XX/XXXX |
| yet I had acted in good faith and submitted a payment anyway. I also noted that an inadvertent underpayment | 1 | 0.0% | in fact |
| yet I have been making these payments independently. | 1 | 0.0% | Section 2c of the contract states that all costs associated with the vehicle |
| yet I have enough delinquency on my credit from them to equate to me not paying accounts for a total of almost 12 years. <br><br> I am at a point now where I am applying for a mortgage but am being met with the obstacle of redundant | 2 | 0.0% | my Credit reports have 19 individual student loan trade-lines |
| yet I have enough delinquency on my credit from them to equate to me not paying accounts for a total of almost 12 years. XXXX I am at a point now where I am applying for a mortgage but am being met with the obstacle of redundant | 2 | 0.0% | my Credit reports have 19 individual student loan trade-lines |
| yet I have never been treated like a criminal before. I choose not to engage with institutions that display such behavior. | 1 | 0.0% | I checked XXXX XXXX and my stmt cycled earlier that day so I was able to obtain a screenshot from XXXX XXXX showing the withdrawal. It contained the bank name |
| yet I have never received the documents Goldman claims were sent. I am therefore disputing the accuracy of Goldmans CFPB statement and requesting CFPBs assistance to obtain the underlying evidence. | 1 | 0.0% | including : Date sent/mailed |
| yet I have not received a single call back from her. | 1 | 0.0% | XX/XX/XXXX |