Choose a Dispute Reason COLLECTIONS – 3RD PARTY
unknown collection
not mine
belongs to someone else
section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove
you didn't send anything to prove ownership
I need to see all paperwork associated with this account
how 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 with
section 623 states that if an account can possibly be inaccurate, there must be an address conspicuously listed and if not, this account cannot report
section 623 states that the creditor cannot continue to report it when disputed, unless they have proof to the contrary
I 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 report
delete this unverified and inaccurate account
this account was never legally investigated or verified. You're reporting false info
how 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 immediately
Why is the high balance lower than the balance on this collection? It’s impossible and needs to be removed!
You have the wrong open date
The open date is different on all 3 bureaus – this needs to be removed
I 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 PAYMENTS
I was never late on this account
paid, never late
I paid on time but you're listing me as late - you need to update to paid as agreed
please send me the docs that prove that I was ever late
If you can't prove that you had proof, you need to remove this late payment
the first late payment listed on this account is wrong and you need to remove this account
remove due to inaccuracy - I never paid late
Why do you report that I am 90 days late when there are no late payments prior to that? Delete this immediately
I 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 immediately
I 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 all
date of last payment is wrong
I 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 immediately
Please send me the proof that you ever did an investigation on this late payment
Each bureau has different info in the historical payment data – this is inaccurate and all lates need to be removed
You 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 removed
INQUIRIES
unknown inquiry
illegal inquiry
unverified inquiry
inquiry has not been verified
inquiry has not been validated
section 609 states that you need to provide the application that was filled out when this account was opened
you need to remove this inquiry under section 604
if the creditor couldn't send me anything, then what are you using to verify this inquiry?
creditor didn't respond
neither 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 bank
I 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 credit
the only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately
not mine
I do not recall this inquiry
I did not make this inquiry
this inquiry is unknown and should be removed
permissible 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 removed
I still haven’t seen a signed application, are you telling me that it’s legal for them to report this without it? Delete immediately
I notified you that this inquiry doesn’t belong on my credit report and you didn’t do anything at all to verify. Delete immediately
I 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 immediately
I 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 immediately
You’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!
JUDUGEMENTS/LIENS
unknown
not mine
I didn't file this
belongs to someone else
wrong filing date
3 different filing dates
2 different filing dates
wrong court name
inaccurate court name
recent 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 plaintiff
you have the plaintiff reported wrong and this needs to be removed
how 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 immediately
I need to see all paperwork associated with this account. Failure to furnish is a violation of the FCRA
the 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 removed
I am a victim of identity theft and this is not mine
Where’s my personal info that’s required to be on this account? I don’t see my name, social or anything else! Delete this immediately
I 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’s
illegal
IDENTITY THEFT
not mine
does not belong to me
belongs to someone else
section 605B states that if this account is the result of identity theft, then it must be removed from my credit report. Please remove
I'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 contrary
I 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 immediately
I 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 immediately
these accounts don't belong to me
I've submitted CFPB complaints against you because you're still reporting accounts that are the result of identity theft
You 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 immediately
Continuing to report this on my credit is a violation of the FCRA unless you can legally verify it! Where’s the proof that you even
Please send me all signed (by me) applications and other documentation to prove that this account belongs to me
I 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 reporting
Section 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 immediately
I 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!
REPOS
creditor 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 immediately
monthly 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 immediately
date of last payment is wrong
date of last activity is wrong
status update date shows that this account wasn't even investigated, remove account
3 different open dates reported
3 different date of last activity dates reported
this account can't possibly have been verified because the status update date has not changed. You need to remove this immediately
this account has illegally been re-aged. Remove
bought by a collection agency but still shows a balance
bought by a collection agency but still shows a past due
bought by a collection agency but still shows a monthly payment
collection and creditor both show balances
date of last payment is different on each bureau
high balance is lower than balance
balance is higher than high balance
I’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 reasons I 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 BUYER
I don't know what this is
this doesn't belong to me
wrong creditor
wrong balance
this was paid but still has a balance
why 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 account
account is reporting that it will come off AFTER the statute of limitations have expired
this account was not legally verified
I sent a dispute to the collection agency and they said they would remove this account but I am still seeing it on my credit report
where'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 report
3 different dates listed under "date of last activity"
3 different dates listed under "date of last payment" but I've never paid this company
I need to see the paperwork that proves this collection agency owns this account, because otherwise, I see no legal obligation to pay them
Why 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 violation
The collection agency and creditor are both reporting balances – this is double jeopardy
Why 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 ownership
This 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 immediately
The 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 inaccuracy
The original account shows late payments AFTER this account was sold to a collection agency. This account cannot report on my credit file
The original account shows a balance even though it was sold to this collection agency. This is double jeopardy – remove account
The original account shows a past due even though it was sold to this collection agency. This is double jeopardy – remove account
The original account shows a monthly payment even though it was sold to this collection agency. This is double jeopardy – remove account
You need to remove this collection immediately because the original account doesn’t state that it was sold
CHARGE-OFFS
this account does not belong to me
this account has the wrong balance
this creditor does not own this account
this account was sold but still reports a balance
doesn't show transferred/sold but does not say paid and doesn't have a balance
each bureau reports a different date of last activity
account has been re-aged
I disputed this account and nothing was sent to me to legally verify this account
monthly payment reported on closed account
different dates listed under "date of last payment"
account shows different creditor names
I never had an account with this creditor
creditor stated they would remove this after payment and it's still on my credit report
I 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 balance
the past due is wrong
the balance is higher than the high balance
the high balance is lower than the balance
there 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 removed
Please send me all business and transaction documents to prove that this account was legally verified
Stating that this account was “verified” does not change the fact that it’s still reporting inaccurately and needs to be removed
How 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 negligence
I disputed the balance and you said that it’s accurate, and yet there’s no paperwork to support your claim
Unverified and illegal reporting, remove immediately
Account was included in bankruptcy, remove immediately for inaccuracy
Doesn’t report paid, transferred or sold and yet, there’s no balance. This account is invalid and needs to be removed
Why are there late payments AFTER this was sold to a collection agency? Remove immediately
The original account shows a past due even though it was sold to this collection agency. This is double jeopardy – remove account
The original account shows a monthly payment even though it was sold to this collection agency. This is double jeopardy – remove account
The original account shows a balance even though it was sold to this collection agency. This is double jeopardy – remove account
Why doesn’t the status say that this was paid if there’s no balance? Delete for inaccuracy
I paid for this account and yet, the date of last payment isn’t reporting accurately! Remove
This is a paid charge-off but shows that it was settled. Delete immediate
The 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 violation
Account has been re-aged and shows 3 different years in the date of last activity! Remove for violation
How 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 inaccuracy
You have the wrong date listed for when this was paid in full. Remove account
You have the wrong date listed for when I was first late on this account, remove from my credit report
Why 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!
FORECLOSURES
this account does not belong to me
this account has the wrong balance
this creditor does not own this account
this account was sold but still reports a balance
doesn't show transferred/sold but does not say paid and doesn't have a balance
each bureau reports a different date of last activity
account has been re-aged
I disputed this account and nothing was sent to me to legally verify this account
monthly payment reported on closed account
different dates listed under "date of last payment"
account shows different creditor names
I never had an account with this creditor
creditor stated they would remove this after payment and it's still on my credit report
I 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 balance
the past due is wrong
the balance is higher than the high balance
the high balance is lower than the balance
should not say foreclosure
foreclosure was paid
why does this have late payments years after the account was closed? This is a violation!
BANKRUPTCY
bankruptcy does not belong to me
bankruptcy filing date is wrong
remove this bankruptcy because there are 2 different fling dates
court name is not accurate - each bureau must report the actual name of the court, followed by [city, state]. Remove immediately
I 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 removed
I need for you to send me the petition to verify this account. If you cannot do that, then this needs to be removed
you have the wrong docket number
this was filed in my name by someone else and was fraud - remove immediately
I've submitted proof that this is not my signature on the petition - you need to remove this immediately
You'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 CFPB
These accounts were not included in a bankruptcy and need to be removed
Why 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 immediately
Congress 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 me
Please remove this bankruptcy – the filing date shows a year that is not in this century
You do not have the legal court name reported accurately – it must actually stated “US BANKRUPTCY COURT, CITY, STATE”
STUDENT LOANS
this account has the wrong balance
this creditor does not own this account
this account was sold but still reports a balance
doesn't show transferred/sold but does not say paid and doesn't have a balance
each bureau reports a different date of last activity
account has been re-aged
I disputed this account and nothing was sent to me to legally verify this account
monthly payment reported on closed account
different dates listed under "date of last payment"
account shows different creditor names
I never had an account with this creditor
creditor stated they would remove this after payment and it's still on my credit report
I 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 balance
the past due is wrong
the balance is higher than the high balance
the high balance is lower than the balance
there 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 account
each bureau reports that I was late on a different date - remove for inaccuracy
Navient was sued for not applying payments to consumers accounts correctly. I was never late and this account needs to be removed
Navient was sued for not applying payments correctly to consumer accounts - please remove these late payments
You 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 it
The date that you have as “late” isn’t correct. Delete this account
I 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 immediately
Where’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 immediately
Account is missing the date last activity
Account is missing the date of last payment
You have the wrong date of last payment
You have the wrong date of last activity
Why 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 reporting
You’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 SUPPORT
I 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 verification
I 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 account
I 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 immediately
I 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 creditor
I can see that the date updated date did not change. This means that there was never an investigation
I see that you’re still reporting a monthly payment on this CLOSED account. Delete immediately
Why 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 immediately
I’ve submitted CFPB complaints against you for continuing to report an unverified account
Missing date of last payment
Wrong date of last payment
Missing date of last activity
Wrong date of last activity
Wrong account type
Missing required notice of dispute
Section 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
