Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX of 2020, I called to make a {$400.00} payment due, and they had notified me of my credit balance on the account in two amounts ( lump sums ). one for {$960.00} and a second for {$2800.00} ( was {$3200.00} but they deducted the first {$390.00} payment from balance ). So in total from XXXX 2020, {$3800.00} was a credit balance from " me '' to pay down the payment every month as told to me by the representative I spoke to that day, around XXXX on XXXX/XXXX/20. That means that, XXXX would be deducted at the start of every month, till the balance reached under that amount then I would be required to come current on payments again. That would grant me 10 months starting XXXX 2020, and would end then XX/XX/XXXX2021, and payments would restart XXXX 2021. I mad a payment of {$100.00} on XX/XX/XXXX2021, when I immediately learned it was somehow delinquent. XXXX XXXX, never posted the payment credit of {$960.00} through the credit agencies on my report. It shows no payments were made then in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, ( I called and spoke to two representatives, in the actual Head quarters, regarding questions I had about the loan amount and warranties ) XXXX, XXXX, XXXX they marked as -30 days late, and then XXXX -60 days late, YET! NO! invoice was ever mailed, showing the XX/XX/XXXX balance and requesting a payment again. They did mail 4 stubs and itemized statements, showingXX/XX/XXXX due and the balance of the amount deducted from the total, which is correct. BUT! there is not any accuracies within their ability LIKE THEY HAVE ALREADY! falsely marked the account late. Mathmatically. XXXX XXXX XXXX balance of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, still had a credit and talked about recommendations of trading in car for the corporate fleet lease trade in, because its a brand new car and limited miles, and they have no warranty transfer amount like I had to pay with a CPO! I was charged {$1700.00} in total for brakes, when the car wasn't even driven XXXX, A CPO! and the warranty that WAS STILL NEW ON THE CAR ( manufactures warranty ) just to be put in my name, to STILL PAY FOR THE BREAKS! I put XXXX down cash on the car, somehow wound up getting the loan for XXXX and then paid for the warranties and gap on top of it, which I cancelled and didn't get all my money credited back. Not to mention the whole finance division was fired for stealing money and doing swindling of some sort ( first hand account, of not being told where my money went and the rip off they cost me at XXXX XXXX XXXX IN XXXX NJ! ) MOST UNSATISFIED I HAVE EVER BEEN WITH THAT LOCATION, and I have bought from them many times at XXXX! and NEVER HAD A PROBLEM! come XXXX we still have a balance of {$1000.00}. XXXX XXXX XXXX XXXX we are now starting XX/XX/XXXX with a balance of XXXX. THERE WAS NEVER A LATE PAYMENT> so, there was a payment then made on XX/XX/XXXX for the amount of XXXX. There for the full amount of me paying the entirety of this loan from the date of purchased XX/XX/XXXX to XX/XX/XXXX is XXXX and that on their amortization schedule current as of the moment I wrote this. and that works out to me paying them ( divided by exactly 24 months ) XXXX per month. THAT FACT CHECK PROVES THERE WAS NEVER ANY MISSED PAYMENTS> I made another payment to them from the XX/XX/XXXX one, of XXXX. I called them on XX/XX/XXXX and asked what the heck is going on, and they said to challenge it and fill out the paper work they emailed me and their investigator from a third party company will verify what I said and then correct it, just be as detailed as possible. Not one statement regarding a payment due was sent to my address. for 15 years straight I HAD NEVER MISSED A SINGLE PAYMENT IN MY LIFE> with an available credit of XXXX by my choice, I didn't want it higher. Suddenly end of XXXX, Discover dropped my credit from XXXX to XXXX ONLY! then XXXX XXXX dropped my ONE CARD! every day card all together and the second XXXX XXXX card I have with XXXX POINTS! they dropped the available credit to only XXXX! Same with ALL MY CARDS! I now have either NO CARD because they CANCELLED ME ALL TOGETHER OR!! they dropped it to XXXX, now totaling from XXXX to XXXX combined. BECAUSE OF THE MISSED PAYMENT! WHICH WASNT EVEN MISSED! There is no excuse in the world that would allow for me to comprehend, the scenario of : first time offender, missed two payments 30 and 60 ( which is what they said XXXX, how suddenly after 15 years of CONSECUTIVE ALWAYS ONTIME PAYMENTS NEVER ONE SINGLE MISSED IN MY LIFE!!!! ( 3 car loans, 4 student loans, 8 credit cards etc ... all paid off too!! except the newest car loan, from XX/XX/XXXX ) so, if first time offense, covid-19 financial hardship, wouldn't they CONTACT ME TO DEFFER THE PAYMENTS? OR OFFER FINANCIAL EDUCATION ON RELEIF?? especially since I did call NUMEROUS TIMES in XXXX, XXXX, XXXX twice! and spoke with someone. There was never anything offered as of an assistance for financial hardship, and they marked it wrongly late, when the math, that is even on the amortization schedule I will upload conquers this, and it WOULD HAVE BEEN MY ONLY AND FIRST OFFENSE IF IT WAS EVEN LATE> but there was no letters, calls, or contact, or statements, made to me. This blows my mind, there is also XXXX that isn't accounted for, from the credit balance I made in XX/XX/XXXX, from the warranty I cancelled. they said if I wanted a check or I could have it submitted to XXXX towards payment, so I did, along with the gap which they didn't give me the correct amount back, because for 6 months I was trying to get them to cancel it. Since the WHOLE FINANCIAL department at that deal was terminated, it took months and months of me calling and going there to even get them to give me the paper to sign. This is severely impacting my financial life line I have right now. XX/XX/XXXX I was let go from job as an esthetician and also residing 20 miles out side of XXXX we were impacted the hardest in the begging and even now. I was not accepted for unemployment since I only started that job 5 months prior to covid starting. SO! PUA! I was finally accepted in XXXX, from the original application in XXXX, and only received a measly {$310.00} a week, and ran out of money some time ago. with rent {$1400.00}, credit card bills, some how NEVER DECLINING IN A BALANCE OF original amount {$0.00} out of {$5500.00} as of XX/XX/XXXX. XX/XX/XXXX = {$3000.00} out of XXXX ( all fraud ) XXXX $ XXXX FRAUD out of XXXX ... .come now XX/XX/XXXX I have PAID OUT XXXX to credit card bills that never decreased only increased, to things that aren't even on statements, but they are saying I owe them this money. today alone, amex and XXXX XXXX called 39 times, combined total. When, XXXX XXXX was paid 11 times in one month, and XXXX, I was just sitting in their branch on Thursday! with their accounts person named XXXX, for the 19th time, about how this fraud. Someone has spoofed me, and when calling to inquire I gave out the social and the login credentials, and like an XXXX, things just crazy from XXXX to now. XXXX, was given in excess enough to cover the amounts that were to current, XXXX $ is shy from the amount that was carried through as left over, there was no late payments for XXXX and XXXX. they claim its 30 and 60 late. I have a frozen file and have been constantly in touch with everyone and the banks and XXXX XXXX and the police and been through mental anguish XXXX, and financial XXXX, and medical XXXX from covid, that this would be seen immediately if they viewed my credit file, which they did. I have closed out my bank accounts three times since XX/XX/XXXX, for this fraud. XXXX XXXX said they weren't paid either, but they were, and I have XXXX XXXX itemized log, showing they were paid 8 times in one month, but yet there's about XXXX debt I saw today on the credit report, and there was nothing purchased since XXXX of XXXX, and they were paid in great access far past that amount. XXXX XXXX credit card, has three charges all from the same location, a XXXX XXXX in XXXX nj for the same amount, taken from my account for XXXX, and change, yet I never was there that day, I was in a job interview and in new york and XXXX, working in XXXX XXXX, XXXX and XXXX, which is insane because XXXX is like XXXX hour plus west, with out traffic. and they showed on the statement, XXXX debit from my account from my credit card, XXXX from my debit card, and XXXX from a past card I guess that I had ... .. this is crazy! so, if they didn't receive a payment because XXXX XXXX is the culprit behind all this money stolen, then I needed them to contact me ( XXXX by statement via mail like it was always sent, showing the XXXX XXXX they had in their possession was now at a XXXX balance, and that they are requesting payment ) I needed them to explain to me that there were credit options available for me since I was suffering from XXXX, XXXX, out of work esthetician in the beauty field, and in the metro vicinity of XXXX, at which I would have taken them upon those offers, like they gave to many people, but since I was onto of everything, they said that the credit balance would be for. year roughly, at which come the suprise of a life time in XXXX when I see that through XXXX dropping my available credit from XXXX to XXXX for many late and missed payments through a transunion report, which is bs because my credit report is FROZEN and monitored through XX/XX/XXXX I pay for and XXXX a case I have opened to resolve this, so I don't even know how XXXX was granted access, and what are the many missed payments? well then I find out XXXX didn't post a payment for a year. a whole year. it shows on my credit report I didn't pay my car payment for XXXX year and am late!!!!!! THATS CRAZY. they need to have it debiting correctly, the exact amount of XXXX, they payment due, from the balance of XXXX and then when its negative money or there's not enough to cover in full, which would be XXXX of XXXX, with a left over of XXXX, but by then I'm already flagged negative critical past due, delinquent, and this has had the most catastrophic result on me, when I so diligently paid every since month for 15 years straight on time, reaching perfect credit, sitting at XXXX, just scooting by living off my life savings I was using to buy a house, but unemployment only allows XXXX a month, and that didn't even cover food, rent, let alone anything. I didn't leave the home, because of quarantine, and I did loose family, and my self and my son have had severe XXXX XXXX, and he stopped being able to walk at the age of XXXX, and had to have physical therapy and see an oncologist, and the medical costs due to now being on state XXXX, well, its XXXX an office visit, but I still didn't go under from covid, until now. and all from XXXX falsely recording missed and late, when in fact they didn't put the second credit balance payment of lump sum on same day at the other XXXX/XXXX/20 of XXXX the fraud is out of control and identity theft. I tried to get into XXXX XXXX and they locked me out because of security question, what person do I know lives in XXXX XXXX in a lease or bought a home.. three names and then one that says I don't know, and I put I don't know, because I don't! apparently I'm supposed know one of the people or am related to or am married to one of them. which is insane.
Company Response:
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: They closed my account and would not provide any information as to why. To my knowledge I did nothing that was out of the ordinary. Im sorry, I was just a young XXXX kid trying to build his credit.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: BECAUSE OF THE COVID-19 I AM REQUESTING XXXX TO CANCELATION OF CREDIT CARD EFFECTIVE TODAY XXXX TO IRS XXXX AND REMOVE ALL CREDIT REPORTING.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/21 I contacted Discover Home Loans for a payoff letter to find out that I was placed in something called forbearance. I never requested or even called them or logged in. I asked how this could happen and they could not answer my questions. They did not process my XXXX payment so I gave them a payment over the phone and they took that and said they would apply my XXXX payment to my XXXX payment. Today on XX/XX/21 discover sent me another email saying in the forbearance program I have called and have records of the calls Please expedient this request to help me and investigate.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Around XXXX of Last year. I noticed some fraudulent activities on my cards after realizing that my wallet was missing. I promptly called and reported said activities to Discover Credit Card company. My cards, all from Discover, were used to buy in different shops for an excruciating amount totaling {$1100.00}. The purchases were as followed : {$110.00} from XXXX NY XXXX, XXXX from XXXX XXXX XXXX, XXXX from Everything But XXXX, XXXX from XXXX, XXXX from XXXX XXXX, XXXX from XXXX again, XXXX from XXXX. The credit card company, Discover failed to send me any resolution, after several calls and check-ups they finally sent me a resolution letter in which they stated that the purchases were not fraudulent. I called and demanded that they further the investigation and provided them with the police case number in which I declared my wallet stolen and reported the unauthorized card used/fraud that had taken place so they can have access to looking at XXXX footage of those stores and further their investigation. Until this date XX/XX/2021, I have not heard back from Discover nor received anything to inform me of the investigation. However, they put all the fraudulent charges back in my account and have been charging me interest because of them ever since. I have done all that was required from me yet I am being financially imprisoned and my credit score is being held hostage and is hurting because Discover 's investigation team, although with all the necessary tools to have a real investigation, have not done their due diligence to resolve the case.
Company Response:
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCOVER BANK XXXX XXXX XXXX Attn : XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information. 2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. 3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor. 4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time. 5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. 6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Although staff generally followed the format of the U.S. Code as published by the Government Printing Office, the format of this text does differ in minor ways from the Code ( and from West 's U.S. Code Annotated ). For example, this version uses FCRA section numbers ( 601-625 ) in the headings. ( The relevant U.S. Code citation is included with each section heading and each reference to the FCRA in the text. ) 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award. ( b ) Conditions for furnishing and using consumer reports for employment purposes. ( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ]. ( 2 ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ). I have opted out of my public information with XXXXXXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. B. 5 U.S.C. 552a ( a ) ( 2 ) Individual [ T ] he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. 5 U.S.C. 552a ( a ) ( 2 ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See 5 U.S.C. 551 ( 2 ) ( 2018 ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, 583 F.2d at 170-71 ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; Cudzich v. INS , 886 F. Supp. 101, 105 ( D.D.C. 1995 ) ( A plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the Privacy Act.... Plaintiffs only potential access to the requested information is therefore under the Freedom of Information Act. ). The Privacy Act generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the Privacy Act are US citizens and lawful permanent residents. See S. Rep. No. 93-1183, at 79, reprinted in Source Book at 232, https : //www.justice.gov/opcl/paoverview_sourcebook ; OMB 1975 Guidelines, 40 Fed. Reg. at 28,951, https : //www.justice.gov/paoverview_omb-75. The Privacy Act as initially enacted did not generally protect non-resident foreign nationals. See, e.g., Raven v. Panama Canal Co., 583 F.2d 169, 170-71 ( 5th Cir. 1978 ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from Privacy Act coverage ) ; Soto v. State, 244 F. Supp. 3d 207, 208-09 ( D.D.C. 2017 ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. INS, 50 F.3d 6 ( 4th Cir. 1995 ) ) ( [ Privacy ] Act only protects citizens of the United IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33950
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have two accounts on my credit reporting that are fraudulent ; 1. Discover Card : I have no knowledge of the account. 2. XXXX XXXX XXXX XXXX : Card was stolen and reported to XXXX XXXX XXXX and it was never resolved of the fraudulent charges. On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX XXXX Followed up again on XX/XX/XXXX with Fraud Dept.
Company Response:
State: CA
Zip: 95131
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: They also closed my account without me knowing back in XXXX of 2019 even though I was up to date on my payments. My bill in XXXX of 2019 of {$35.00} dollars did not go through when it was on auto bill. I reached out to the company they said they saw the payment tried to come out but it was rejected. I was never notified that it was rejected. I now cant apartment and the company will not help me with the unfair situation
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have always paid my account on time every month thru the website that the company provided but one month i missed the date by 2 days becuase i never got the bill in the mail which usually served as a reminder for me but t wasn't even enough to be charged a fee but i noticed that i got a 30 day late put on my report. I tried to talk to the agent because initially they told me it wouldn't be reported late. I tried disputing it with the company because I had paid it only a few days late and i was told it wouldn't be a 30 day late but not had success so i thought i would ask you guys for some help hopefully and for them to give an explanation on why its reporting late when i was told it wouldn't be. I appreciate any assistance you can provide. Thank you.
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I'm sending this complaint because Discover Bank did not resolve a fraud claim in my favor. The claim was for 14 unauthorized transactions that occurred between XX/XX/XXXX and XX/XX/XXXX totaling {$1900.00}. I discovered my Discover credit card missing on XXXX, which is the day I called Discover Bank Customer Protection Services to close the account, and file a claim for the unauthorized transactions. I told the Customer Service rep. that I lost the card sometime around XX/XX/XXXX at the time the fraudulent transactions began. I stated that I saw an email about a transaction made at XXXX for {$39.00}, which I didn't authorize, and that led to the realization that my credit card was lost. Furthermore, I answered that I didn't know how I lost the credit card, and that nothing else was lost. I also answered that I didn't have any information on who may have used the credit card. Next, I received written correspondence from Customer Protection Services that the transactions in question would be provisionally credited back to my account, and on XX/XX/XXXX I did receive the provisional credits. Then, on XX/XX/XXXX I received a voicemail from Customer Protection Services to return the call. When I called, I was asked a few questions from an investigator on the Investigation Team. I was asked if I received emailed fraud alerts at the beginning of XXXX. I answered that the alerts were sent to an email that is used sparingly. Discover Bank didn't have my newer email address that I use on a daily basis. I said I saw the fraud alert concerning the XXXX transaction on the old email address on XX/XX/XXXX, and that is when I discovered my credit card missing. In the same conversation, I was asked if I remember when and how I lost the credit card, and I said what I said on XX/XX/XXXX that I don't know how I lost the credit card, but that the card was lost from my wallet on or around XX/XX/XXXX. After this conversation, I received a letter dated XX/XX/XXXX, which stated that the investigation into the account inquiry had been completed, and upon reviewing the facts of the case it was determined that no fraud had occurred on the account. Accordingly, I would be responsible for the entire balance on the account ( see enclosed letter ). Discover Bank called me on XX/XX/XXXX, and that is when I learned the claim hadn't been resolved in my favor. I asked for an explanation of why the claim was denied. The investigator asked not only had I received email alerts, but had I also received text message alerts on my mobile at the time the fraudulent transactions were occurring. I stated that I hadn't received any text message alerts, and repeated that the emails were sent to an email address that is rarely used. However, later the same day I asked my son if he had received any text alerts from Discover Bank in XXXX or XX/XX/XXXX, as he was using my mobile temporarily at the end of XXXX and beginning of XX/XX/XXXX while waiting to receive a new mobile phone of his own. My son said he thought he remembered receiving an email from Discover, but that he had ignored it, and then failed to inform me later about the text message. I called Discover Bank back to explain why I hadn't seen the text alert. Hence, I was told by an investigator that the claim would be reopened for a second review, and that I would receive written correspondence within 30 days. Nevertheless, I received a letter dated XX/XX/XXXX ( enclosed ), that said, " based on Discover Bank 's records, the dispute was previously investigated and resolved, and therefore, we are unable to reinitiate the investigation. '' The letter goes on to say that additional information is needed, but I've provided all the information I have.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A