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?

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
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
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

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
REPOS
• • creditor was required to send me specific paperwork within a certain period of time regarding where it was sold and the balane 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

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
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!
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

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