Letterfy180 – Creditor Letter Click here for the Step-by-step how-to guide for Letterfy180 After receiving this letter, it is highly recommended that you use an AI text re-phraser to “spin” the text after receiving the PDF delivery to ensure 100% unique text. A few examples are: Max.ai Chrome extension, openai, Chugzi You will receive PDF delivery via email after hitting the “submit” button. This form is set up to allow you to add your confidential data to this form, as the data is immediately deleted from the database, which means nothing is saved. *You do NOT have to add your address, SSN or DOB to this letter. You may add it after receiving the PDF, however this means you will need to edit prior to printing You have the option of using the StealthDoc editor I created here First Name Last Name Address DOB SSN Email Date of Letter Creditor Name & Address INSTRUCTIONS Enter the account number, choose a letter or use your own, include a built-in or custom reason (optional), choose a closing and that’s it!Account # Choose a Letter Choose a LetterI would like to investigate the account listed below as it is not reporting correctly on my credit report: I disputed this account with all three credit bureaus, they responded to me stating that the account was verified by your company. This can’t be correct. I’m asking your company to investigate this matter and to correct this inaccurate account. From my understanding this law: § FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) allows me to contact your company and ask for an investigation.I was shocked by the follow-up letter you sent me regarding my dispute of the account listed below: You stated in your letter that you are reporting this account accurately. Well, I disagree and I’m pretty sure my attorney will disagree also, once I brief him on the violation that may have occurred. I would like to see all documents you used to verify the account listed above. Don’t send me a simple letter stating that you have verified; I would like to see real proof. I will be forwarding your response to my attorney to keep him updated on this matter, just in case we need to escalate this. Please send this information to me ASAP.I’m ready to escalate this matter and file complaints with the Better Business Bureau, Attorney General’s office, and the Consumer Financial protection bureau. My attorney will also be reviewing this matter if the below account is not corrected. In my last letter I asked your company to send me real proof regarding your report of the account listed above. You sent me some generic information that did not prove anything. I will ask for the last time to send me the following: (1). Copy of the contract that I signed; (2). A full accounting history of this debt; (3). Every payment that was made; (4). All interest that was applied; Let me remind you that if you fail to provide me with proof, you will be in violation of the Fair Credit Billing ACT and the Fair Credit Reporting ACT.I would like a full investigation on the account listed below: I opened my mail and noticed that I was sent a 1099 for debt which you claim I owe. I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting isn’t accurate, and here is the reason why: if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. Please delete this charge-off from my credit report. If you choose to do nothing, I will file complaints and seek legal advice on this matter.I need you to start a new investigation regarding the account listed below: Let me first start off by saying the account listed above is not my account yet it’s appearing on my credit report. After disputing it with the bureaus, your company verified it. How can you verify this account when I never did business with your company, and I never signed a contract with your company? Please investigate this matter and delete this account from my credit report or I shall hold your company accountable for the damage of my credit score. As you are aware, the FCRA 623(a)(8) allows me to dispute inaccurate reporting directly with you. After your investigation and you still feel that this is my account, please provide me with a contract with my signature on it. If not, this item must be deleted right away. I will keeping my attorney informed of every move regarding this matter.I need you to start a new investigation regarding the account listed below: I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days.I need you to start a new investigation regarding the account listed below: I would like to see all documents pertaining to the account listed above. The credit bureau have verified these items. They stated that they relied on the information that came from your company. I don’t agree with your reporting nor your decision to verify this account which is why I’m asking for the following: (1). Contract with my signature. (2). Proof that I have given your company the authorization to report to the credit bureau. (3). A complete payment history from the day the account was opened to the day it was closed. (4). A history of all payments and interest applied. Please do not send me a standard one sheet paper proving your case. I would like to see what I have requested. The law allows this right. Please get back with me within 30 days.I need you to start a new investigation regarding the account listed below: I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate. Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days.I need you to start a new investigation regarding the account listed below: I would like to see all documents pertaining to the account listed above. The credit bureau have verified these items. They stated that they relied on the information that came from your company. I don’t agree with your reporting nor your decision to verify this account which is why I’m asking for the following: (1). Contract with my signature. (2). Proof that I have given your company the authorization to report to the credit bureau. (3). A complete payment history from the day the account was opened to the day it was closed. (4). A history of all payments and interest applied. Please do not send me a standard one sheet paper proving your case. I would like to see what I have requested. The law allows this right. Please get back with me within 30 days.I would like a full investigation on the account listed below: I disputed the above account with the credit bureaus, and for some reason they all came back verified. Your company verified this information. I would like to know what records you used to verified this information according to FACTA. Please do not send me a basic print out. I need the true documents your company used to verify this account. Here is what the law states about investigations: § 623. (b) Duties of furnishers of information upon notice of dispute. (1) In general. After receiving notice pursuant to section 611(a)(2) [§ 1681i] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person shall (A) conduct an investigation with respect to the disputed information; (B) review all relevant information provided by the consumer reporting agency pursuant to section 611(a)(2) [§ 1681i]; (C) report the results of the investigation to the consumer reporting agency; (D) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and which compile and maintain files on consumers on a nationwide basis; and (E) if an item of information disputed by a consumer is found to be inaccurate or incomplete or cannot be verified after any reinvestigation under paragraph (1), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly: (i) modify that item of information; (ii) delete that item of information; or (iii) permanently block the reporting of that item of information. Now if your company can’t provide the proof needed to support the reporting of the account listed above, this account must be deleted. If it’s not deleted, then I will file complaints with the Attorney General’s office and the CFPB and seek legal advice on this matter. Please get back with me within 30 days. I’m standing by for an answer.I would like to start a new investigation regarding the account listed below: Your company has reported me late to all three credit bureaus. When I checked my credit reports, I noticed the late status. I disputed this with the credit bureaus, and your company verified it. I don’t recall being late. Please provide me with all documentation that you have proving that I was late on the days that you reported to the credit bureaus. According to the FCRA and FACTA, I have a right to dispute this account directly with your company if I feel that your reporting is inaccurate. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, creditors must investigate and make sure their reporting is accurate. I also have the right to bring a suit against your company if you violate any of the laws above. 30 days is the allowable time according to the law.I need you to start a new investigation regarding the account listed below: I disputed this account with the credit bureaus 30 days ago, and they stated that you verified the accounts. I’m confused, how did you verify this account when It’s inaccurate? I know that all furnishers must have procedures in place to report accurately to the credit bureaus. I would like to see a copy of the procedures that your company have in place to make sure that they comply with the law and that the account listed above is reporting accurately. These incomplete and inaccurate items are causing harm to my credit score and I need it fixed ASAP. Please fix this situation and get back with me within 30 days.I would you like to start a new investigation on the account listed below: According to this law right here, you were supposed to notify me before you placed any negative information on my credit report. Here is what the law states: § FCRA 623 (a) (7) Negative Information (A) Notice to Consumer Required (i) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603(p) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. (ii) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603(p) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. (B) Time of Notice (i) In general. The notice required under subparagraph (A) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603(p). (ii) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127(a) of the Truth in Lending Act. I’m just wondering why your company reported this inaccurate information without notifying me first. Please remove this inaccurate information at once. If you choose not to do anything, I will forward this information over to my attorney for review, along with complaints to the CFPB for violating FACTA.I would you like to start a new investigation on the account listed below: I sent a letter to your company 30 days ago asking you to investigate the account above and I have not heard back from you. I know that you are aware that the law states that you must respond within 30 days. This is a clear violation. Maybe the dispute got lost somewhere, but I’m asking you to address the issue above, and get back to me ASAP.This is a qualified written request under Section 6 of the Real Estate Settlement Procedures Act (RESPA), regarding the account listed below. I am writing because I feel that you have not reported my payment history correctly. You have reported me late on several occasions which I disagree with. I would like to see the following information: (1). A complete payment history showing on payments on this account (2). Payment amounts for each payments since the start of this loan (3). Detailed break-down of all payments, interest and late fees, if any, associated with this account. (4). The payoff amount. I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. Upon investigating the inaccurate reporting, please correct, or delete any inaccurate reporting.Check this box if you would like to write your own letter body instead YESCustom Letter Include a dispute reason? YES Choose a Dispute Reason (Max of 10 Per Letter) Click the “+” to add a new one Dispute Reason Supporting Facts Choose a Dispute ReasonCOLLECTIONS – 3RD PARTYunknown collectionnot minebelongs to someone elsesection 609 states that you’re required to send me the paperwork associated with this account. Furnish or removeyou didn’t send anything to prove ownershipI need to see all paperwork associated with this accounthow can you say that you verified this account when I haven’t even heard back from the collection agency?simply stating that this is a verified account doesn’t change the fact that I don’t know what it is or why it is on my credit report! I need to see everything you’ve “verified” this account withsection 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account cannot reportsection 623 states that the creditor cannot continue to report it when disputed, unless they have proof to the contraryI need to see the docs that the creditor sent to you that were used during the investigation to make the determination that this account is accurate. No proof? Then you cannot reportdelete this unverified and inaccurate accountthis account was never legally investigated or verified. You’re reporting false infohow can there be late payments on this collection?how can there be a past due on this collection?Collection agency didn’t send me anything to verify this account, so how did you verify it? Where’s the documentation?Unless you can furnish the signed documents that legally verify this account, it needs to be removed immediatelyWhy is the high balance lower than the balance on this collection? It’s impossible and needs to be removed!You have the wrong open dateThe open date is different on all 3 bureaus – this needs to be removedI don’t understand how you can say that this collection was verified, when I haven’t seen any documentation whatsoever. This is a violation of my rights under section 609!How is this collection verified, when I notified you that you’re reporting late payments and a past due on it?Why do I have to notify you that it’s a violation of the FDCPA to report a collection with a past due and/or late payments? LATE PAYMENTSI was never late on this accountpaid, never lateI paid on time but you’re listing me as late – you need to update to paid as agreedplease send me the docs that prove that I was ever lateIf you can’t prove that you had proof, you need to remove this late paymentthe first late payment listed on this account is wrong and you need to remove this accountremove due to inaccuracy – I never paid lateWhy do you report that I am 90 days late when there are no late payments prior to that? Delete this immediatelyI need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediatelyI wrote the creditor and they said that I was never late, so how can it be that you’re reporting me as late? That makes no sense at alldate of last payment is wrongI can’t figure out how you verified this late payment, when the only legal form of verification is the actual bank statement belonging to this company – remove lates immediatelyPlease send me the proof that you ever did an investigation on this late paymentEach bureau has different info in the historical payment data – this is inaccurate and all lates need to be removedYou said that you verified this late payment but I sent you proof that I paid on time and I’m still seeing it on my credit report!Please remove this late payment because it’s inaccurate and pulling down my credit score!this student loan account needs to be removed immediately because the first late payment isn’t correct. This account is inaccurate!This account was transferred and I was never late with this new company, so you need to remove it from my credit report for reporting lates on an account I was never late on!Late payments on this collection are inaccurate and if you cannot furnish bank records that prove when my payments were accepted, the account needs to be removedINQUIRIESunknown inquiryillegal inquiryunverified inquiryinquiry has not been verifiedinquiry has not been validatedsection 609 states that you need to provide the application that was filled out when this account was openedyou need to remove this inquiry under section 604if the creditor couldn’t send me anything, then what are you using to verify this inquiry?creditor didn’t respondneither credit bureau responded, so how was this verified as accurate?where’s the copies of the docs that were filled out when I supposedly applied for an account?I’m a victim of identity theft and I didn’t apply for anything with this bankI notified you that I’m a victim of identity theft and section 623 states that you’re not allowed to continue reporting this without proving otherwise and yet, this inquiry is still on my creditthe only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply – remove immediatelynot mineI do not recall this inquiryI did not make this inquirythis inquiry is unknown and should be removedpermissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA –this doesn’t and needs to be removedI still haven’t seen a signed application, are you telling me that it’s legal for them to report this without it? Delete immediatelyI notified you that this inquiry doesn’t belong on my credit report and you didn’t do anything at all to verify. Delete immediatelyI notified you that I am a victim of identity theft and that this inquiry doesn’t belong to me – section 623 stipulates that this must be removed from my credit report!There’s literally no proof that this inquiry was initiated by me. Please remove immediatelyI know for a fact that you don’t have the application that was filled out, or even an IP trace, so HOW was this inquiry verified? Where’s the proof? This is a violation; delete immediatelyYou’ve continued to violation my rights by stating this has been verified. I contacted the creditor and was notified that you NEVER verified anything with them! Remove this inquiry immediately because there’s no paperwork that verifies I ever obtained credit or a firm offer of credit from this company. There’s no permissible purpose!JUDGMENTS/LIENSunknownnot mineI didn’t file thisbelongs to someone elsewrong filing date3 different filing dates2 different filing dateswrong court nameinaccurate court namerecent changes to the law mandate that my personal info report per each public record. Due to the fact that there’s no personal info reported, you must immediately remove from my credit report!wrong plaintiffyou have the plaintiff reported wrong and this needs to be removedhow did you verify this as accurate when each bureau reports something different?where’s the paperwork that belongs to this, that would verify the accuracy? Remove immediatelyI need to see all paperwork associated with this account. Failure to furnish is a violation of the FCRAthe other credit bureau removed this, so why are you still reporting it?the other bureaus removed this account, so why are you still reporting it on my credit file? Where’s the paperwork?I didn’t agree or provide my permission for this account to report on my credit. Pursuant to section 603, this must be removedI am a victim of identity theft and this is not mineWhere’s my personal info that’s required to be on this account? I don’t see my name, social or anything else! Delete this immediatelyI need for you to send me the actual court paperwork for this and if you can’t furnish it, then you’re reporting false info and that’sillegal IDENTITY THEFTnot minedoes not belong to mebelongs to someone elsesection 605B states that if this account is the result of identity theft, then it must be removed from my credit report. Please removeI’ve disputed this account with an affidavit, letter and police report and yet, you’re still reporting it. I need for you to remove this account immediately unless you have proof to the contraryI disputed this account with the creditor and they notified me that they have nothing under my information so I don’t get how you’re verifying this account – remove it immediatelyI need to see all paperwork and contracts with my signature that would verify ownership. If you do not have this paperwork, you need to remove the account immediatelythese accounts don’t belong to meI’ve submitted CFPB complaints against you because you’re still reporting accounts that are the result of identity theftYou didn’t send me anything at all that would verify the accuracy of this account. I notified you that I am a victim of identity theft and this must be removed immediatelyContinuing to report this on my credit is a violation of the FCRA unless you can legally verify it! Where’s the proof that you evenPlease send me all signed (by me) applications and other documentation to prove that this account belongs to meI told the creditor that this account doesn’t belong to me and they didn’t respond. Having said that, how did you verify this?Why are you still reporting this account on my credit when I sent you the police report, affidavit and dispute letter?I can’t see how it’s legal that you’d continue to report this auto account on my credit when #1 it resulted from identity theft #2 you never verified it and #3 the other bureaus removed it!I need to see all paperwork with my signature that verifies this account as mine. In addition, I need to see all docs that prove you even did an investigation into this identity theft. Without it, this is false reportingSection 623 states that if an account can possibly be fraud, the creditor cannot continue to report without proof. Where’s this “proof” showing my signature? Where’s your proof of investigation?Congress states that you’re required to perform an independent investigation to determine the accuracy of an account. I notified you that this doesn’t belong to me and you did nothing. Delete this immediatelyI submitted enough information for you to determine and agree that this account resulted from identity theft. I now need to see all documentation from your investigation that proves otherwise, or this is false reporting and negligence.How’s it even legal that you state this is verified, when it’s fraud? How’s it legal that the creditor sent me a 1099 for this account that was never applied for, obtained or used by me? Delete immediately!REPOScreditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance on the account. I didn’t receive this paperwork and you need to remove this account immediatelymonthly payment reported on this closed account – how can there be a monthly payment on an account that’s not even open?you have the wrong balance – remove this account immediatelydate of last payment is wrongdate of last activity is wrongstatus update date shows that this account wasn’t even investigated, remove account3 different open dates reported3 different date of last activity dates reportedthis account can’t possibly have been verified because the status update date has not changed. You need to remove this immediatelythis account has illegally been re-aged. Removebought by a collection agency but still shows a balancebought by a collection agency but still shows a past duebought by a collection agency but still shows a monthly paymentcollection and creditor both show balancesdate of last payment is different on each bureauhigh balance is lower than balancebalance is higher than high balanceI’m absolutely appalled that you would continue to report this auto account that does NOT belong to me, after I’ve submitted enough info to prove it AND the other bureaus removed it!Remove immediately for the following reasonsI never received the required paperwork regarding where this was sold, how much, balance, etc. This is required by federal law and it’s a violation to continue reporting it!You didn’t do a proper investigation and I can see that this account wasn’t even updated in the “status update” date. It’s a violation to continue reporting! • I asked for the documentation to prove this account belongs to me and you didn’t send me anything. It’s a violation to continue reporting an unverified and disputed account!COLLECTION – DEBT BUYERI don’t know what this isthis doesn’t belong to mewrong creditorwrong balancethis was paid but still has a balancewhy is there a past due on this account?why are there late payments on this account?I disputed with the collection agency and they said they don’t have record of this accountaccount is reporting that it will come off AFTER the statute of limitations have expiredthis account was not legally verifiedI sent a dispute to the collection agency and they said they would remove this account but I am still seeing it on my credit reportwhere’s the proof that I had a legal obligation to pay this company and that this is my account?this account is the result of identity theft and I have no legal obligation to pay this company and it doesn’t belong on my credit report3 different dates listed under “date of last activity”3 different dates listed under “date of last payment” but I’ve never paid this companyI need to see the paperwork that proves this collection agency owns this account, because otherwise, I see no legal obligation to pay themWhy are there are late payments reported on the original account after it was sold to a collection agency? As far as I see it, that would make the account inaccurately reported, right?This account shows that it was transferred, but why is there a past due reported on this account? This is a violationThe collection agency and creditor are both reporting balances – this is double jeopardyWhy is this reported on my credit when the original creditor didn’t verify the debt? How does that even make sense?This collection agency bought an outdated debt and then re-aged the account so that it would stay on my credit report!The date of last activity was re-aged when this collection agency falsely stated that it was “verified”. This needs to be removed immediately!Please send all paperwork associated with this account to prove that it belongs to me. I notified you that it was unknown and sending me a statement that says “verified” doesn’t change this fact!Please remove this unknown and unverified account – you sent me nothing at all to prove ownershipThis account is outdated – it should have been removed automatically and yet, it shows as if it’s a new account!The original account was never verified; how can this account continue to report on my credit? This is unlawful reporting and unless I can see your proof, this must be removed immediatelyThe original account was paid and yet, this collection continues to report with a balance. You need to remove this immediately!This account was paid, and yet, there’s no “date of last payment” listed. Remove for inaccuracyThe original account shows late payments AFTER this account was sold to a collection agency. This account cannot report on my credit fileThe original account shows a balance even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a past due even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a monthly payment even though it was sold to this collection agency. This is double jeopardy – remove accountYou need to remove this collection immediately because the original account doesn’t state that it was soldCHARGE-OFFSthis account does not belong to methis account has the wrong balancethis creditor does not own this accountthis account was sold but still reports a balancedoesn’t show transferred/sold but does not say paid and doesn’t have a balanceeach bureau reports a different date of last activityaccount has been re-agedI disputed this account and nothing was sent to me to legally verify this accountmonthly payment reported on closed accountdifferent dates listed under “date of last payment”account shows different creditor namesI never had an account with this creditorcreditor stated they would remove this after payment and it’s still on my credit reportI sent you proof directly from the creditor that this would be removed and does not belong on my credit report but I am still seeing it listed!how can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says “now paying, was charged-off”!this was paid but I am still seeing a balancethe past due is wrongthe balance is higher than the high balancethe high balance is lower than the balancethere shouldn’t be any late payments after the account was closed!why am I seeing years of late payments after the “close date”? It’s not possible to be late on a closed account!This account is outdated and needs to be removedPlease send me all business and transaction documents to prove that this account was legally verifiedStating that this account was “verified” does not change the fact that it’s still reporting inaccurately and needs to be removedHow was this sold to a collection agency when it was not legally verified? Is that even legal?How can this still report on my credit when I notified you that it was paid and they said they’d remove it?I received notification from the creditor that they couldn’t find record of this account, so how did you come back and say that it was verified as accurate?You can’t send me something saying that you will not reinvestigate this account, when it is still reported inaccurately! Delete immediately for negligenceI disputed the balance and you said that it’s accurate, and yet there’s no paperwork to support your claimUnverified and illegal reporting, remove immediatelyAccount was included in bankruptcy, remove immediately for inaccuracyDoesn’t report paid, transferred or sold and yet, there’s no balance. This account is invalid and needs to be removedWhy are there late payments AFTER this was sold to a collection agency? Remove immediatelyThe original account shows a past due even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a monthly payment even though it was sold to this collection agency. This is double jeopardy – remove accountThe original account shows a balance even though it was sold to this collection agency. This is double jeopardy – remove accountWhy doesn’t the status say that this was paid if there’s no balance? Delete for inaccuracyI paid for this account and yet, the date of last payment isn’t reporting accurately! RemoveThis is a paid charge-off but shows that it was settled. Delete immediateThe comments state that the high balance is the limit but that’s not correct! Delete immediately, because this has my “limits”reported wrong!Account has been re-aged and shows 2 different years in the date of last activity! Remove for violationAccount has been re-aged and shows 3 different years in the date of last activity! Remove for violationHow can there be different years listed in the date of last activity?! This is the date that stipulates when my account will naturally fall off!You haven’t updated this account to show the date it was paid in the historical payment data; delete immediately for inaccuracyYou have the wrong date listed for when this was paid in full. Remove accountYou have the wrong date listed for when I was first late on this account, remove from my credit reportWhy are there so many “late payments” listed on this account prior to when I paid it? You can’t report late payments on a closed account! FORECLOSURESthis account does not belong to methis account has the wrong balancethis creditor does not own this accountthis account was sold but still reports a balancedoesn’t show transferred/sold but does not say paid and doesn’t have a balanceeach bureau reports a different date of last activityaccount has been re-agedI disputed this account and nothing was sent to me to legally verify this accountmonthly payment reported on closed accountdifferent dates listed under “date of last payment”account shows different creditor namesI never had an account with this creditorcreditor stated they would remove this after payment and it’s still on my credit reportI sent you proof directly from the creditor that this would be removed and does not belong on my credit report but I am still seeing it listed!how can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says “now paying, was charged-off”!this was paid but I am still seeing a balancethe past due is wrongthe balance is higher than the high balancethe high balance is lower than the balanceshould not say foreclosureforeclosure was paidwhy does this have late payments years after the account was closed? This is a violation!BANKRUPTCYbankruptcy does not belong to mebankruptcy filing date is wrongremove this bankruptcy because there are 2 different fling datescourt name is not accurate – each bureau must report the actual name of the court, followed by [city, state]. Remove immediatelyI asked the court if they verify records with the credit bureaus and they stated they do NOT, so how did you legally verify this?You’re required to obtain verification from the DATA FURNISHER and the court told me that they don’t verify with you, so HOW is anything else considered legal verification?I need for you to send me the petition to verify this account. If you cannot do that, then this needs to be removedI need for you to send me the petition to verify this account. If you cannot do that, then this needs to be removedyou have the wrong docket numberthis was filed in my name by someone else and was fraud – remove immediatelyI’ve submitted proof that this is not my signature on the petition – you need to remove this immediatelyYou’ve not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I’ve since made complaints against you with the CFPBThese accounts were not included in a bankruptcy and need to be removedWhy are these listed as included in bankruptcy, when there’s no bankruptcy reported on my credit?The court has sent me an affidavit swearing that they do NOT verify or validate any public records with you. Delete this unverified account immediatelyCongress states that you’re required to verify accounts with the original creditor and in this situation, the court is the original creditor and they do NOT verify records!I sent you handwriting samples to prove that these bankruptcies do not belong to mePlease remove this bankruptcy – the filing date shows a year that is not in this centuryYou do not have the legal court name reported accurately – it must actually stated “US BANKRUPTCY COURT, CITY, STATE”STUDENT LOANSthis account has the wrong balancethis creditor does not own this accountthis account was sold but still reports a balancedoesn’t show transferred/sold but does not say paid and doesn’t have a balanceeach bureau reports a different date of last activityaccount has been re-agedI disputed this account and nothing was sent to me to legally verify this accountmonthly payment reported on closed accountdifferent dates listed under “date of last payment”account shows different creditor namesI never had an account with this creditorcreditor stated they would remove this after payment and it’s still on my credit reportI sent you proof directly from the creditor that this would be removed and does not belong on my credit report but I am still seeing it listed!how can this account be closed and yet, it states that I am still paying on it in the monthly payment section? Once an account is closed, there should be no monthly payment unless the status says “now paying, was charged-off”!this was paid but I am still seeing a balancethe past due is wrongthe balance is higher than the high balancethe high balance is lower than the balancethere shouldn’t be any late payments after the account was closed!why am I seeing years of late payments after the “close date”? It’s not possible to be late on a closed account!how’s it possible that you’ve reported me 90 days late with no late payments prior to that?I was never late on this accounteach bureau reports that I was late on a different date – remove for inaccuracyNavient was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removedNavient was sued for not applying payments correctly to consumer accounts – please remove these late paymentsYou have all of these dates reported as being “late” but how is that possible, when this account was closed? Delete it!You’re required to report this account as transferred. Delete itThe date that you have as “late” isn’t correct. Delete this accountI need to see all records pertaining to the verification or validation of this account to prove that there was an actual investigation. Without it, you need to remove it!I know you didn’t verify this collection or even bother to reach out to the creditor. You need to remove this unverified account immediatelyWhere’s the proof that you did an independent investigation? Where’s the proof that you didn’t just repeat what they told you?This account was re-aged and shows different YEARS in the date of last activity! Delete immediatelyAccount is missing the date last activityAccount is missing the date of last paymentYou have the wrong date of last paymentYou have the wrong date of last activityWhy are you reporting late payments that are different than the other 2 bureaus?Why are you reporting this account when the other bureaus removed this?I need to see all signed-by-me paperwork to prove the validity of this account reportingYou’re required to report the notice of dispute under section 623. Without it, this account cannot continue to report!Unless a creditor has proof to the contrary that this account belongs to me, section 623 states that it cannot continue to report!CHILD SUPPORTI asked for you to legally verify this account and yet, all you’ve done is send me “statements”. Anyone can create a statement! This is not legal verificationI need to see all documentation that would prove that you verified this account or did any sort of investigation on it. Failing that, you need to remove this accountI understand that your job is to make sure that you make as much money off my credit report as possible, BUT you’re mandated by federal law to make sure it’s accurate! Delete this account immediatelyI need to see all paperwork that proves you did an independent investigation. I need proof that you didn’t just send an electronic response to the creditorI can see that the date updated date did not change. This means that there was never an investigationI see that you’re still reporting a monthly payment on this CLOSED account. Delete immediatelyWhy have you reported this as accurate, when there was nothing that you sent to me that was legal verification?You need to validate this account immediatelyI’ve submitted CFPB complaints against you for continuing to report an unverified accountMissing date of last paymentWrong date of last paymentMissing date of last activityWrong date of last activityWrong account typeMissing required notice of disputeSection 623 states that you’re required to enter a notice of dispute. This account is missing this notice and it must be removed entirely from my credit report Choose a Closing Click to choose: “Thank you for ____”Thank you for taking the time to read this. Please expedite my investigation. Thank you for your attention. Thank you for your time. I have read and agree to the Terms and Conditions and Privacy PolicyCreate Letter
