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Communication tactics | XXXX on behalf of XXXX XXXX has been calling my home and employment using several phone numbers as follows ; XXXX XXXX as HFS. I have proof that debt was paid for and my XXXX paid the rest. They have ruined my credit and harrass me all day.I have health insurance and this matter was resolved and the service i received was by XXXX XXXX XXXX who provided me with professional courtesy.I need them to sto and repair my credit. |
Applied for loan/did not receive money | Speedy cash has had a negative mark on my credit report for years.I applied for a loan from them but got denied due to their files showing I have an unpaid loan.I have never received any money from this company. |
Settlement process and costs | CITI AGREED IN SETTLEMENT THAT THEY WOULD DELETE INFO FROM XXXX IN EXCHANGE SETTLEMENT. THEY HAVE NOT KEPT THEIR END OF THE DEAL |
Incorrect information on your report | I have disputed the following accounts to no avail with Experian. They claim that they verified these accounts and I have not received any proof from the company nor Experian that these accounts belong to me. I have escalated my concerns to the FTC to investigate and possibly become part of a Class Action law suit. The following accounts do not belong to me : XXXX-Account # XXXX XXXX XXXX XXXX -- # XXXX XXXX XXXX- # XXXX XXXX XXXX # XXXX |
Cont'd attempts collect debt not owed | I got letter from Midland Credit Managment inc saying that I owe them XXXX $ which I do n't. and the original creditor was XXXX in South Dakota. I never got any credit from that bank or had any bank account. And never been in South Dakota. They threatening me that they will report me to credit reporting agencies. |
Took or threatened to take negative or legal action | I am being sued for a mortgage that was improperly foreclosed on and was taken to a Federal Class action Law Suite . I was awarded XXXX toward this instance and am now being sued for the difference of a XXXX mortgage. I have attempted to fax information about this to the company, have sent certified mail in regards to this. They have dismissed this and have now served me with a summons and are taking me to court. |
Managing the loan or lease | Honda Financial Services is reporting to all three credit bureaus inaccurate information - showing 60 days - NEVER BEEN LATE. |
Improper use of your report | I am unaware of the inquiries your company listed on my credit file. I have attached a letter in the file section below along with pictures showing the inquiries. It came to my attention that your company is reporting inaccurate errors on my credit file. I am in distress and I feel violated as a consumer that your company is reporting such information in my credit without me knowing this was going on. Pleas read letter in the files section.
Sincerely XXXX XXXX |
Loan servicing, payments, escrow account | Ocwen Loan Servicing LLC have been over charging me for escrow account by {$4900.00} per year. I have talked to ocwen call center staff in XXXX numerous times to resolve this but they have not resolved this issue and they are not able to communicate in this regard. |
Incorrect information on credit report | XXXX account # XXXX has agreed via the XXXX to remove account with all he credit bureaus. XXXX and XXXX have removed the account on XXXX/XXXX/15. I need Transunion to remove account immediately so I can close escrow. Please remove midland from my Transunion report immediately. Thank you |
Advertising and marketing | make offers for credit, even if approved change terms ( always in their favor of course ) sales people AND management mis-inform clients blatant false advertising change websites ( 4 times in past year ) main retail website has link to bogus website |
Improper use of your report | The following is a list of hard inquires on my XXXX credit report I do not recognize nor did I authorize. Please remove these inquiries from my credit report as soon as possible 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 Thank you |
Incorrect information on credit report | Equifax is ignoring my requests to investigate and remove fraudulent inquiries from my credit report that were not initiated by me. |
Incorrect information on credit report | I do n't have a Sears card anymore, I did n't Renew it. XXXX was in a bankruptcy OVER 29 years ago. I have ONLY 1 credit card. A XXXX card. Not late on payments |
Loan modification,collection,foreclosure | I have been contacting my lender, specifically XXXX and left dozens of messages without a single callback or communication from them for over a month.
I have offers on the house, and am trying to get them to work with me on a short sale. |
False statements or representation | These a debt on my credit report stating I owe. I have no knowledge of this debt. It also says I made a payment on this in XXXX of 2012 which I did not. The name of the company is accelerated financial. |
Incorrect information on your report | violates HIPPA, CRA. Sent police report and credit report |
Incorrect information on credit report | I have disputed several inaccuracies on my credit report. I have a asked for Debt to be validated and have not received proper validation. |
Incorrect information on your report | XXXX XXXX XXXX/XXXX/1997. I have tried my hardest to dispute this with experian which I have received no help from them. This is an loan that was taking out under my name and social when I was just XXXX years old. I also sent them proof of my identity and its still on my credit stating that it was proven accurate which isnt true because I was XXXX. |
Disclosure verification of debt | I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports. |
Loan modification,collection,foreclosure | I got behind on my mortgage payments. PHH Mortgage said I need to send in XXXX by XXXX XXXX, 2017 or my account would be sent for for closure. I sent my payment in by XXXX and mortgage company received it and was signed off by a XXXX XXXX. Mortgage company said they never received payment and account was put into foreclosure. Mortgage company sent my money back to me on XXXX XXXX. I 'm now having to pay {$2100.00} due to attorney fees |
Trouble during payment process | In XX/XX/XXXX, I was charged {$90.00} in fees but after speaking with the mortgage company twice, no one can tell me what they are for except to say that it is late fees from XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX, I have been charged {$340.00} in fees and can not figure out what these fees are for. My statement shows only " fees '' - no explanation as to what the fee is for. |
Cont'd attempts collect debt not owed | I received Financial assistance from the hospital for all my hospital bills. I do not owe anything and have directly contacted the hospital to make sure. I keep getting phone calls from this third part and i do not owe a dime. |
Incorrect information on your report | Credit Reporting Bureau XXXX is reporting an unauthorized account on my report that has been proven by the collection company that they do not service the account after it was disputed. |
Attempts to collect debt not owed | Have disputed debt several times. This is a debit that belongs to my adult child whom have his own insurance. I was listed as responsible party from when he was under age. He has his own insurance since age XXXX. Hospital fail to collect his information. They assumed everything was still the same. I have since had myself removed as responsible party but the beauru keep stating its me debt. The debt amount is {$3100.00}. |
Closing an account | US bank local branch closed my account without informing me until two weeks later and did n't pay out to me remaining funds in an amount of {$390.00}. Nobody seems have an answer as when I will receive my funds. |
Problem with a credit reporting company's investigation into an existing problem | XXXX continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems |
Incorrect information on your report | I had a Best Buy credit card through CBNA that was closed with a {$0.00} balance in XXXX. Citibank confirmed this with me on the phone on XX/XX/18. However, XXXX is reporting that this account is delinquent and has a balance associated with it. According to the customer rep at XXXX XXXX, Citibank is telling XXXX there is an open account with an owed debt on it. This is completely different than what they are telling me and what I know to be true! |
Deposits and withdrawals | Bank of America reported me to XXXX for fraud when I did not commit fraud. I told them I would pay fees I accumulated. But I told them I would n't pay for a bounce check wrote by client. that I deposited and recived no money from. And I asked them to remove the fraud from my name on XXXX. It is unfair to report me for fraud if I have not committed. I had been a long time client with them. |
Communication tactics | Calling, several times a day and night. Calls going to voicemail for couple of minutes of silence. When call back no one will answer. |
Incorrect information on your report | For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file. |
False statements or representation | National Credit systems are not compliant with my state laws which is the state of Florida. And because of this they can not collect in my state |
Cont'd attempts collect debt not owed | I received this letter from this company demanding money. To my knowledge this company has never provided me service and nor have I ever agreed to pay for said services |
Communication tactics | Frequent calls from establishment to my personal phone, family, old work phone, and numbers outside of what was given to them in the written paperwork. Also has made calls outside of XXXX |
Incorrect information on credit report | I filed a dispute for a tax lien that is being reported on my Equifax report. The lien was released by the IRS on XX/XX/XXXX. Equifax has been reporting this information since XXXX. I have sent them proof it was paid in full on XX/XX/XXXX. This information should have been removed from my report after XXXX. I keep disputing the information but yet the refuse to removed it as stated in the FCRA. |
Cont'd attempts collect debt not owed | I purchased hair care products from XXXX XXXX which totaled {$140.00}. The products were paid in full in three payments through my bank, XXXX. The payment sought now is {$54.00}. I have proof of all payment made. This company continues to hassass me. They have reported me to collection agencies. Documentation was sent via fax to the first collection agency, which was North Shore. Another agency sent a letter. The agency is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX |
Improper use of your report | have a few hard Inquires on my credit report, that I don, t know about.
XXXX 2 time, XXXX 2 times, XXXX.
dont know if someone is using my info to get credit. |
Incorrect information on your report | I have old addresses that needs to be removed that doesnt correspond to my current address and I've attempted to reach out to the three burues to have these removed and no luck |
Cont'd attempts collect debt not owed | this was paid either by my health insurance or fed workers comp |
Account opening, closing, or management | Wells Fargo Bank ( 1 ) Opened multiple account when not necessary, ( 2 ) charged fees on accounts that were supposed to be " free '', and ( 3 ) charged " Direct Connect '' fees, but called those fees as " QuickBooks '' fees on my bank statements when I never used the Direct Connect service. |
Cont'd attempts collect debt not owed | I recently was denied credit due to a delinquent bill. National Service Bureau is negatively reporting a collection that does not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I was a victim of identity theft and I do n't owe this debt and I would like this item removed from my report immediately. |
Communication tactics | They have called at XXXX in the morning to sometimes XXXX at night, when I answer, no one will say anything, they just hang up, they call 5 to 7 days a week, will not leave a message and sometimes I will hear music in the background. I have asked them to stop calling if no one will answer and they continue to do so. I have checked sites where there is complaints about this happening to them with this same number. |
Improper contact or sharing of info | I sent a letter requesting removal/deletion of erroneous hard credit inquiries. I used the addresses as published on my personal TransUnion credit report. The mail comes back " not deliverable as addressed- unable to forward. '' If TransUnion is publishing fictitious addresses, how am I able to have the inquiry deleted? I have had this problem with the phone numbers that are published as well. Please advise! Thanks in advance! |
Disclosure verification of debt | This debt is not mine. I spoke to the billing department and I do n't owe anything. Never been to this hospital. There is no medical record of the date and service that the collection is for. I never lived in the address that the collection has on file. This collection is invalid or another person did it not me. I have medical insurance there is no way I would a have a bill like this. |
Dealing with my lender or servicer | I do not believe Navient is amortizing the payments correctly. I 've been paying for over 2 years and my principal balance has only gone down about {$1100.00} and I pay {$50.00} per month extra |
Incorrect information on credit report | This account not mines but it keep coming on my credit report and they wont delete it from my stuff.Its bringing my score down badily please update it |
Unable to get your credit report or credit score | I was on XXXX and successfully obtained my XXXX and XXXX reports but the EQUIFAX report resulted in an error and returned me to the XXXX web page which " assumed '' I obtained the report and would n't let me try again.
Given all of the media attention around the Equifax data breach, I must obtain a copy. Please help. |
Problems caused by my funds being low | I 've been a loyal customer with Paypal for over 12 years and would like to remain so if this is issue is resolved. Paypal charged my credit union twice when I never authorized them to. My credit union charged me XXXX overdraft fees costing me {$52.00} because of their actions. I will like Paypal to please have the courtesy of resolving this issue by calling me directly and paying for this over draft fee because of their actions. |
Incorrect information on credit report | Transunion said they investigated a judgement against me and that it showed a XXXX balance, but it is still showing an amount no discharged accounts can show an amount .The original basis for the judgement from XXXX XXXX shows a XXXX balance as it should but transunion is showing a dollar amount under civil judgement and is not showing it discharged in bankruptcy, so it is incorrect. |
Incorrect information on credit report | Turned down for credit they are so many names on my report. My name is XXXX XXXX XXXX XXXX. |
Using a debit or ATM card | My bank, TCF, was robbed by a digital fraudster, and now the bank has taken it upon themselves to deprive me of my deposits until they see fit. I want my deposits back on demand, as per the function of a bank, and I would also like {$34.00} for each cent they have stolen from me, for each day that I have been deprived of my funds, as this is the fee structure in my agreement with the bank. |
Attempts to collect debt not owed | X/X/16 XXXX XXXX XXXX. I paid this debt with XXXX and it was still sent to collections without my knowledge. I never received any collection communication. There was never a need bc I paid them |
Other | I have contacted XXXX many times to dispute this Macy 's account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised. |
Unable to get credit report/credit score | I WAS TRYING TO GET MY REPORTS AND BY MISTAKE I LOST THE PAGE. NOW I DONT HAVE MY REPORT AND IT SHOWS AS I ALREDI PULL IT. |
Communication tactics | Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop! |
Communication tactics | Everyday at work I keep getting calls from this collection company. My job does n't allow for a creditor to call my work place. I plan on suing the company if I get ton of calls. This causes me to lose money at work and is embarrassing in general. |
Loan servicing, payments, escrow account | Quicken loans has failed to satisfy my XXXX taxes for 2015 after my loan closing on XXXX which provided for payment in full. The response I have received is pathetic. I have repeated over and over why the payment was rejected and the customer service is unacceptable. I will commence legal action as a result of your inept response. XXXX is my loan number and I am telling everyone on social media about your pitiful service. |
Unable to get your credit report or credit score | XXXX/XXXX/17 multiple creditors are unable to pull my Equifax data. I called Equifax and they do not want to help me, but rather tell the lenders to call the Equifax Business Customer Service Hotline. I am also unable to pull a personal Equifax report. |
Problem with a credit reporting company's investigation into an existing problem | I have sent in multiples disputes on XXXX accounts that I have no contract or knowledge of but XXXX will not delete the accounts. They have sent me a letter saying they will not re-investigate complaint. This is really hurting my credit and family chances of becoming a homeowner. I contacted an attorney whom told me this should be my first step to solving my problems. |
Deposits and withdrawals | XXXX tellers to assist all customers on XXXX of the busiest days of the year, XXXX XXXX XXXX XXXX. Waited more than an hour to make a withdrawal. |
Credit reporting company's investigation | Not a duplicate, This is a Update- Experian has corrected my account with the correct information. The late payments were deleted. I have no idea when they did it, but it 's correct now. I have no further dispute with Experian at this time. I pulled up my free report XX/XX/2016 and saw that the late payments were gone. Thanks to anyone invovled. |
Cont'd attempts collect debt not owed | Designed Receivables is reporting debt that were discharged in Bankruptcy. Also, I paid XXXX bills, and they said that they would Keep reporting them as unpaid until ALL the bills were paid. And I do n't even know if I truly owe them. I have great insurance through XXXX XXXX, and I do n't believe that I owe them so many bills. They are single-handedly ruining my credit. |
Credit monitoring or identity protection | XXXX agency has XXXX more inquires than the other |
Incorrect information on your report | After pulling a copy of my credit report i notice that the credit bureau is reporting inaccurate outdated information on my credit report and i had requested that this information be updated and fixed but my request has remained ignored. |
Incorrect information on credit report | i had my student loans dismissed because of my disablity they will not remove them off my report |
Credit reporting company's investigation | Equifax is refusing to remove XXXX XXXX XXXX from my credit report. Even after seeing that is inaccurate information. XXXX has sent several letters regarding the account should be deleted, and i have forwarded them all to Equifax yet it still remains on my file. I thought the law was that all inaccurate information must be deleted in a amount of 30 days. This has been going on for almost 120 days. |
Problem with fraud alerts or security freezes | I am one of the 140 million American whose data was exposed by the Equifax breach. In order to protect my credit and my financial future, I now have to freeze my credit with all three credit bureaus, including Equifax. As Equifax charges a fee for this freezing, they are essentially charging me for their own negligence and profiting off of this situation. I should not have to pay for this company 's negligence. |
Account opening, closing, or management | To whom this may concern, In reference to my previous complaint about Scottrade 's treatment of my son. I have attached a bank statement that shows just how egregious the fraud at Scottrade has been.
Over {$800000.00} of unauthorized ACH transfers occurred and Scottrade refused to refund the stolen money. |
Unable to get your credit report or credit score | XXXX and TransUnion both report an " XXXX XXXX XXXX Score '' ( Code 08 ) that is IMPOSSIBLE TO KNOW IN ADVANCE, and there is NO WAY to " improve it '', when there are ZERO ADVERSE ITEMS in both the " XXXX '' AND the " TransUnion '' report!
This score appears to be COMPLETELY DIFFERENT from TransUnion 's " overall '' credit score that gets given to this consumer via his bank on a WEEKLY BASIS! |
Loan modification,collection,foreclosure | I had trouble getting employment and ran behind in paying my mortgage.
I contacted my mortgage company Wells Fargo to try to qualify for a modification.
Their response has been slow, incompetent and after many hours they still are asking me for additional information I have provided many, many times to them. |
Improper use of your report | I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in XXXX are the ones I did not authorized. |
Cont'd attempts collect debt not owed | I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit. |
Attempts to collect debt not owed | I had XXXX XXXX on XX/XX/2017 my XXXX XXXX insurance paid my bill there are no other charges due. XXXX hires XXXX to collect money due to their error of billing. They have been paid and verified from XXXX XXXX. Remove at once from my credit report |
Cont'd attempts collect debt not owed | Daily 'robo-calls ' are left on my voice mail. The message states I should call XXXX. When I call this number it takes me into their voicemail system and asks me to leave my name, address and phone number in order that I may be called.
The voice mail identifies the debt collector as Century Credit.
As I do n't have any past due debts this strikes me as fraud or harassment. |
Cont'd attempts collect debt not owed | XXXX opened a invalid 7 year car loan debt on my credit report that was bought by a collection agency ( accelerated financial ), which I m sure is totally out of the legal standard, after XXXX disputes XXXX wont still remove it from my report |
Cont'd attempts collect debt not owed | The company first started trying to collect a bill from XXXX XXXX that we did n't have. Now there trying to collect a bill with century link that we do n't have |
Incorrect information on your report | There are many mistakes appear in my report without my understanding. |
Incorrect information on credit report | I have sent copies of documentation that I have had the same STUDENT LOAN since 1990. It 's just that my student loan has been bought by other Banks and Consolidated.
I am requesting that my loan be registered of having the LOAN since 1990 from its original date that is started since its still the same loan just being bought out and merged. |
Improper use of your report | my medical information was given to a third party without HIPPA released forms without my consent. I have requested that the above be moved off of all of the three major credit bureaus.
however two of the major credit bureaus refuse to take them off. ( XXXX XXXX ) |
Settlement process and costs | The terms of my mortgage refinance loan at closing were not the locked in rates of my application or what I was promised. I became aware of the changes when I reviewed my closing documents, there was no explanation prior to the date of signing. |
Problem with a credit reporting company's investigation into an existing problem | I have an account with XXXX XXXX and I recently checked my credit scores with in the last few weeks and noticed my Equifax score dropped over a XXXX points with no explanation. |
Cont'd attempts collect debt not owed | CBE Group continues to put collections on my credit report that are my EX WIFES medical bills!!!! We are not married and have n't been for a very long time! I have never signed anything and they should not be allowed to just report whatever they want on my credit. I will have my attorney file for damages if they do not remove ALL of the accounts from my credit. I have n't been to the DR and I have no medical bills! |
Billing disputes | Bank of America charged fees for a payment that was sent on the XXXX of the month, when their new monthly cycle starts. I called them and they would not refund it. XXXX XXXX XXXX XXXX. |
Improper contact or sharing of info | On XXXX/XXXX/15 I sent a cease and desist letter to One Main. They have violated this request by continuing to call me XXXX times a day, for the whole month of XXXX. |
Cont'd attempts collect debt not owed | this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX. |
Cont'd attempts collect debt not owed | Received a phone Call from ERC for a debt in XXXX of 2016 Paid debt in full cleared my bank account on XXXX XXXX 2016 still they have not removed derogatory mark from my credit reports even after filing to disputes with the credit bureaus. |
Managing the loan or lease | We took out a loan from Ashley Furniture for the purchase of a couch. The loan was supposed to be zero percent for 24 months. Now we were told by the bank that because we did not pay off the loan within the 24 months, they are accruing all of the interest, at 30 % for the 24 months. To make matters worse, the bank stop sending us statements back in XXXX 2015. Since the loan is on automatic payments, we did not notice the missing statement. |
Incorrect information on your report | XXXX and Equifax are ignoring my numerous requests to investigate, verify and remove accounts from my credit report that do not belong to me. |
Unable to get credit report/credit score | I was refused a free annual copy of my credit report from Equifax.
I was denied a mortgage loan from XXXX and XXXX XXXX XXXX. |
Dealing with my lender or servicer | I have repeated asked NelNet to provide ALL information regarding my loan via mail from its inception in 2004 through today. I want to know all payments made, fees charged, interest charged, etc in chronological order. |
Unauthorized transactions/trans. issues | My deposit finally came. when I went to pharmacy to get my prescription balance said {$0.00}. After being on hold for XXXX hr XXXX mins I was told I should have my money back on card within 1-2 days. XXXX hours later my card had a {$9.00} balance on it. Im on a trip out of town still no access to my funds. Tried to call Rushcard several times only to keep getting going up on. Still no assistance. |
Problem with a credit reporting company's investigation into an existing problem | COMPANY REFUSED TO INVESTIGATE AND REMOVE FRAUDULENT INFORMATION LISTED IN MY POLICE REPORT |
Incorrect information on your report | There are terrible mistakes in my report, these accounts do not relate to any transaction that I have made : XXXX XXXX CT NJ XXXX - XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MTR - # XXXX XXXX XXXX - # XXXX |
Incorrect information on credit report | judgment paid and it is still showing negative on credit report |
Identity theft protection or other monitoring services | Equifax has failed to keep my personal information private with their recent breach.
My identity is at risk for fraud. |
Delinquent account | This acccount does not belong to me and I have disputed repeatedly with t he bureaus and they have completely disregard all my disputes!! |
Rewards | American Express Company is restricting the bonus point I earned via their program.
I earned bonus points by using the American Express 's credit card and wanted to use the point for my travel.
However, American Express Company is restricting my use ; I am told that they need to do special review.
This restriction was not indicated in original terms and conditions. |
Problem with a credit reporting company's investigation into an existing problem | I recently reviewed my credit report and found a late payment.
Creditor : Capital One Account # XXXX I was never 30 days late int he month of XX/XX/2017.
Im not sure how this happened, I believed that I made my payment one time and promptly each month my statements were received. My only thought is that must have been billing error with my statement. |
Communication tactics | Consumer credit transaction. The basis of the venue is, A defendant resides in the county of XXXX. The transaction took place in XXXX. On information an belief the defendant made credit card purchaser. The lawyer purchased this account from XXXX Bank on XXXX/XXXX/XXXX account balance XXXX. I never hear about this bank. I let XXXX in XXXX/XXXX/XXXX I just return from PR in XXXX/XXXX/XXXX |
Disclosure verification of debt | I am receiving double jeopardy on a Midnight Velvet account I had. Midnight Velvet is reporting the balance. They sent it to XXXX and XXXX and THEY are reporting the balance ... it subsequently was sent to XXXX and THEY are reporting the balance. XXXX collection balances reporting on my bureaus for XXXX ACCOUNT. This is a violation of federal law.
I have disputed this with all XXXX bureaus and they left the balances on my files |