Reviews
113
Average
Response rate
0%
Resolution rate
0%
Anonymous
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Anonymous
The Fair Credit Reporting Act ( " FCRA '' ) was enacted to ensure fairness, accuracy, and privacy in consumer reporting. Under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information reported. Additionally, under FCRA 611, 15 U.S.C. 1681i, the credit bureaus are required to conduct a reasonable reinvestigation of disputed accounts and delete or correct any information that can not be properly verified. Pursuant to information I am also prohibited under FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), from reporting information they know or should know is inaccurate.
Read full reviewAnonymous
These inaccurate entries are damaging my credit. If you can not fully verify them as accurate and legally reportable under the FCRA, remove them from my credit report immediately. I expect this matter to be corrected without any further delays. This matter must be resolved immediately. I am requesting CFPB oversight to ensure this dispute is properly investigated and handled in compliance with the FCRA.
Anonymous
I ACKNOWLEDGE THAT THIS ACCOUNT BELONGS TO ME AND THAT I HAVE MADE MY PAYMENTS ON TIME ; HOWEVER, THE LATE PAYMENT REMARKS BEING REPORTED ARE INACCURATE. I HAVE BEEN DISPUTING THIS FOR MONTHS, AND ITS CONTINUED REPORTING IS CAUSING ME SIGNIFICANT STRESS. I AM FORMALLY REQUESTING A THOROUGH REVIEW AND CORRECTION OF THESE ERRONEOUS LATE PAYMENT NOTATIONS. IF THESE REMARKS CAN NOT BE VERIFIED WITH ACCURATE AND COMPLETE PAYMENT RECORDS, THE REMARKS MUST BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Anonymous
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.
Anonymous
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.
Anonymous
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.
Read full reviewAnonymous
I never granted authorization for these accounts to be created and remained unaware that they existed. I request a detailed investigation into all approval records, administrative procedures, governance controls, and oversight functions.
Anonymous
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.
Read full reviewAnonymous
These inquiries are inaccurate and do not reflect my actual credit history. I kindly request that they be reviewed and removed, as they may impact my creditworthiness and financial opportunities.
Anonymous
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.
Read full reviewAnonymous
After reviewing my consumer report, I identified a late payment that is inaccurately reported, as I have never been late and the creditor has failed to provide any proof or verification ; this account was reported without my written authorization, is not associated with any transaction I authorized, and therefore falls outside the permissible purposes under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), requiring correction to paid as agreed or deletion under 15 U.S.C. 1681e ( b ) and 1681i, which mandate maximum possible accuracy and the prompt correction or removal of any inaccurate, incomplete, or unverifiable information.
Read full reviewAnonymous
I demand immediate and permanent deletion of this trade line from all credit reporting agencies as the debt collector has failed to verify the legal validity and exact balance of this account under FCRA and FDCPA guidelines.
Anonymous
I am disputing these accounts because they are not associated with any transaction I made or authorized, and I do not recognize them as obligations belonging to me. I did not provide express written consent for my information to be reported in connection with these accounts, which raises concerns under 15 U.S. Code 1681b ( 2 ). Consumer reporting agencies are entrusted with handling sensitive consumer information and have a responsibility to maintain accurate records and respect consumer privacy. Reporting accounts that are unrelated to a consumer can undermine the reliability of the credit reporting system and cause serious harm. Because these accounts have no connection to any transaction made or authorized by me, I believe this matter raises concerns involving identity theft under 15 U.S. Code 1681c-2. I request that the disputed information be thoroughly investigated and that any accounts or related information that can not be verified as belonging to me be removed from my consumer report.
Read full reviewAnonymous
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.
Anonymous
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Read full reviewAnonymous
I need your help in investigating the listed items on my letter. These information are incorrect, and is damaging my life. I need you to help me checking each account, ensuring that the bureaus - EQUIFAX, EXPERIAN , TRANSUNION will update the information accurately, completely and would show the truthfulness of each item.
Anonymous
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.
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Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.
Read full reviewAnonymous
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Anonymous
This collection account does not belong to me and I do not recognize it. I request the immediate removal and deletion of this account from my credit report.
Anonymous
I am a victim of identity theft. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts from my credit report. I did not open these accounts, nor did I receive any money, goods, or services from them. I have no knowledge of the suspects or how my information was compromised.
Anonymous
Your response to my dispute failed to provide the transparency and supporting evidence I requested. Instead of explaining how the disputed accounts were confirmed, you provided a general conclusion without identifying the facts, records, or investigative steps that led to your decision. I require a complete explanation of your investigation, including the evidence relied upon to determine that these accounts are accurate. If documents were reviewed, please identify those records and explain how they support the reporting of these accounts. I also request details regarding any communications with the original creditor or furnisher, including the information exchanged, the identity of the individuals involved, and the dates on which those communications occurred. If your investigation relied on any reports, databases, or other materials, please identify them as well. Should you be unable to provide the requested information or otherwise substantiate the disputed accounts with competent evidence, I DEMAND that the accounts be IMMEDIATELY AND PERMANENTLY REMOVED from my credit report.
Read full reviewAnonymous
I did not authorize these inquiries in any form. Please examine and resolve the discrepancy. Documentation is enclosed.
Anonymous
I am disputing the late payment information being reported on my credit report because I believe it is inaccurate, incomplete, or can not be properly verified. I have disputed this information multiple times, yet the late payment history continues to remain on my credit file without providing sufficient proof that the reporting is accurate and compliant with the Fair Credit Reporting Act. The continued reporting of these late payments is negatively affecting my credit score, financial reputation, and ability to obtain credit opportunities. I am requesting that the account history, payment dates, delinquency status, and reporting methods be thoroughly reviewed. If the information can not be verified with accurate documentation, it should not continue to be reported.
Read full reviewAnonymous
Creditor agreed to delete Ill see it going three months and then itll pop back up on my credit
Anonymous
There is an item on my credit report that I am unaware of, and I didn't authorize this account. I sent in a dispute letter that was certified mail to remove theses items, the credit bureau didn't remove them. Please be advised this is my WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following account be removed immediately.
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I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Anonymous
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.
Anonymous
These actions constitute violations of the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ( a ) ( 1 ), 1681i ( a ) ( 6 ), and any other applicable provisions governing the investigation of consumer disputes and identity theft. These violations have caused ongoing harm by allowing inaccurate and fraudulent information to remain on my consumer report, adversely affecting my creditworthiness and ability to obtain credit. Violations itemized : 1. FCRA 611 Reinvestigation of Disputed Information 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Violation : Failed to conduct and complete a reasonable reinvestigation within 30 days. Failed to notify of the investigation results.
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