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consumer_complaints_medium

Dataset card Data Studio Files
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Consumer Complaint
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Cont'd attempts collect debt not owed
I received this letter from this company demanding that I pay them for services that they never rendered to me. I never signed a contract with this company. This is the 3rd time that a collection agency has tried to get me to pay this alleged debt
Credit reporting company's investigation
Transunion has failed to provide me with the documents they have on file to verify the account I disputed. Section 611 ( 5 ) ( A ) of the Fair credit reporting act states that any information that can not be verified should be deleted. Being that the 30 day mark has past I request this account be deleted. Please take care of the matter as soon as possible.
Problem with fraud alerts or security freezes
In light of the XXXX data breach, I have made attempts at all three credit reporting bureaus and their services have been unable to process my request after several attempts over the past XXXX days ( XXXX ). This is likely due to the volume of requests.
Managing the loan or lease
DriveTime reported me 30 days late on XXXX/XXXX/2015 for not making a payment on a loan that was paid off by XXXX in XX/XX/XXXX. There is no payment due yet they reported a late payment.
Improper contact or sharing of info
XXXX has been contacting my family about a debt and threating legal action against my family about a payday loan through checkngo. Everything I have done says this is not a legitment company and they continue to call and threaten. They sent me a validation letter via my email but it does n't look valid. I am not sure what to do as they keep contacting my family members.
Privacy
It is my understanding that credit card companies should no longer be sending statements with your entire account number in them. Amazon however continues to still do this. How is it they are allowed to continue to put everyone at risk? Only the lastXXXXnumbers should be showing.
Attempts to collect debt not owed
I DO NOT OWE ANY MONEY THEY ARE CLAIMING THAT I HAVE TO PAY XXXX XXXX XXXX XXXXUSD XXXXI DO NOT OWE ANY MONEY TO XXXX. ALL DUES HAVE BEEN SETTLED AND THEY NEVER ASKED ME TO PAY ANYTHING OUTSTANDINGTHIS IS A FALSE CLAIM TRYING TO RIP OFFTHIS COLLECTION COY IS XXXX XXXX XXXX XXXX XXXX , FLORIDA
Incorrect information on your report
As seen in the attachment, this account should have been deleted however it still shows on Experian when it was removed from XXXX and XXXX .
Account opening, closing, or management
I request a XXXX credit report and the report indicates a Florida address, phone and an account with Wells Fargo Bank that are not mine. I communicate with Wells Fargo Bank and I have no options for removing this account does not belong to me. I have been a victim of identity theft.
Incorrect information on credit report
There were inquires that were removed then put back on my credit report without notification
Attempts to collect debt not owed
8-9 years ago I went to court because of identity theft. At that time, the case was seen before the judge in XXXX County, NJ 5-6 times before she finally settled the case in my favor. At which time, Pressler & Pressler stopped their attempt to collect a debt that I was not responsible for ... until now. They have restarted the process of sending me mail and correspondence about the same exact account. Last parcel received was XX/XX/18.
Cont'd attempts collect debt not owed
This company is posing as Aldous and Associates 'Attorneys at Law ' from XXXX , XXXX . I cancelled a membership to XXXX of XXXX ( XXXX ) several months ago well after my contract was expired. I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.
Problem with a credit reporting company's investigation into an existing problem
There was a debt ( XXXX XXXX ) removed from my credit report but was added back the same day without notifying me.
Opening an account
my bank of America checking account was closed on XXXX XXXX XXXX due to a check for the amount of {$230.00}. this check was sent to me by a fraudulent company acting as a business looking to hire me to run business errands through via XXXX.
Incorrect information on credit report
I stated that numerous inquires and accounts that were on the report were not mine and I had no knowledge of these accounts and inquires, I was told that there was nothing that could be done and I would have to wait two years for the inquires to be taken off, or to call one by one and have them removed, I stated that i cant have an account removed when i did n't have one to begin with was told that there was still nothing to be done.
Credit reporting company's investigation
I have been dispute the negative accounts on my report over the past year with the credit bureaus. The information is continuously coming back as verified. I have asked about their verification or investigation process as well as proof of verification and yet I have n't received any information regarding this.
Improper use of your report
I purchased a vehicle on XX/XX/XXXX and it ways paid in cash. There was no financing however the dealership XXXX XXXX ran my credit to three different loan companies. XXXX XXXX, Global Lending, and XXXX XXXX finance. None of these were authorized and all three above companies as well as the three credit bureaus wont remove any of the inquiries. I am trying to repair my credit and these three hard inquiries are hindering me from doing so.
Incorrect information on your report
XXXX XXXX XXXX keep updating payment history to extend time the account remain on the credit file. Last payment was made XX/XX/XXXX.. There reporting two payments on XX/XX/XXXX and XX/XX/XXXX. I never made those payments they are reporting. This account should have been deleted after the 7 year mark.
Cont'd attempts collect debt not owed
Midland Funding LLC attempted to sue me for a credit card debt. During the discovery process, attorneys for Midland Funding LLC determined they were unable to prove I own this debt and the case was dismissed in XXXX 2014. Midland Funding LLC has continued to send me letters demanding payment of this debt for the past year and is still reporting it on my credit reports.
Taking/threatening an illegal action
I quit paying XXXX XXXX because I have. XXXX & lost my job. This is an very old debt and this cdebt collector will not say who they are & want they want without making me answer questions that they say is being recorded. It 's White Hammel & Something out of XXXX. For years they have called me & threatened to sue me. They said my debt will never reach a time when is it expires. How long can this go on.
Cont'd attempts collect debt not owed
Today ( XX/XX/2017 ), I received a letter from knight adjustment bureau. They claim to have an account for me from XXXX XXXX. They also claim that I owe {$1200.00}. I do not currently have, nor have I ever dealt with XXXX XXXX.
Improper use of your report
I have XXXX hard inquiries, most I dont even know about. I called and Transunion didnt help me, so Im looking to you. Its really affecting my credit. I still have inquiries from XXXX which doesnt make any sense, please help. Hard inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Improper use of your report
Noticed many inquiries that i did not give permission for on all 3 major credit bureau. I believe that I just like many of the 100 million people who 's information was leaked fell victim too.
Incorrect information on credit report
My Credit Report has a wrong current address for me, My Employment status needs updated as well. I am not employed any longer, but I do receive XXXX as monthly income. I also have disputed some accounts that are listed on my credit report for various reasons.
Incorrect information on credit report
This is a medical bill that was taken care of XXXX and they ( XXXX ) are charging me again!!! It should not be on here. ThanksXXXX
Unable to get credit report/credit score
I implemented a credit freeze with Experian, XXXX and XXXX last year when my personal data was stolen from XXXX XXXX. Experian gave me a XXXX digit PIN to use to unfreeze my credit report but when I tried to use it this morning it was rejected. Experian does NOT provide any means for me to speak with a real, living human being to try and fix this.
Problem with a credit reporting company's investigation into an existing problem
there are several inconsistent errors on my report that needs to be corrected and the agencies have not corrected those errors
Using a debit or ATM card
The bank approved a XXXX from out country to take out of my checking acvount on the XXXX I have contacted them several times went in and filled out papers with bank mansger. They have returned my bill as insufficient funds and have now taken my social security money out of my account. It is now the XXXX and I have none of my money because of them stealing it from me.
Fraud or scam
Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. Guess its a scam? But ca n't figure out how it works. No money being asked from me.
Loan modification,collection,foreclosure
Case # XXXX, XXXX XXXX, Wells Fargo Loan # XXXX Foreclosure Sale Date XXXX, I am working with loan modification with the Wells Fargo Home Mortgage Foreclosure Dept. I am trying to fix House Title issue and that is taking time. but I can afford reasonable mortgage with me & my family income. I like to request to send complaint letter to Wells Fargo to stop Foreclosure Sale date and work with Loan Modification.
Took or threatened to take negative or legal action
I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success
Loan servicing, payments, escrow account
Money was taken from my escrow on XXXX XXXX for taxes due XXXX XXXX. On XXXX XXXX received notice from city the taxes were not paid. Contacted mortgage company XXXX XXXX was told check was sent. Request proof be sent to city. City never received. On XXXX XXXX money was again taken from my escrow to pay for city taxes. Request the second disbursement taken from my account be returned to escrow.
Incorrect information on credit report
XXXX XXXX XXXX should be deleted on my file and still reporting.
False statements or representation
Atg collection agency has re-aged a debt. The original account is set to fall off my credit reports by XXXX. Atg has the removal date as XXXX. They have filed a date of first delinquency as nearly a year later than the actual date. I have filed XXXX disputes with XXXX and each time they falsely verified the information.
Loan servicing, payments, escrow account
JPMorgan Chase ( " Chase '' ) is over-reaching their ability to capture tax escrow funds by accelerating the City of XXXX property tax due date by 2 months or more since the tax due dates are not due for year 2017. After contacting Chase about the revised escrow disclosure their escrow department was unable to provide proof of when City of XXXX property taxes are due for year 2017.
Managing the loan or lease
I paid this account off through XXXX XXXX and it is still not updated as paid. I am in the process of purchasing a home and this is holding me back form getting approved. I have called several times and no one has been helpful in getting this resolved.
Incorrect information on your report
I am tired of being threatened by these dishonest, and deceitful collection companies. They keep calling me and sending mail stating they have sold my accounts. I do not have an account with these companies. Please help! They have the wrong XXXX XXXX XXXX. Please help me. I am a Veteran, and XXXX XXXX XXXX XXXX. They have caused me to be disqualified with my V. A. Loan that I rightly deserve, please help.
Attempts to collect debt not owed
The payment was made with the agreement the collection was to be deleted with payment. Instead, the item was only updated to paid in full. I am requesting to please removed from the credit profile.
Managing the loan or lease
My XXXX was " bought back '' as part of the XXXX Settlement on XX/XX/2017. The loan payoff amount was not accurately calculated, which resulted in a loan overpayment of {$1700.00}. Instead of these funds being distributed, they are being held for a month.
Improper use of my credit report
Although Credit Karma is not a " reporting agency '', they claim to provide this service to consumers and if their information is no correctly accurate, it affects my decision to make a request for credit.
Incorrect information on credit report
Refuse to investigate credit inquiries
Dealing with my lender or servicer
I co signed a student loan for my nephew. It 's a small loan and he now has a job and has been making payments. Even though payments have been made, I am called on my work cell phone repeatedly. And when I say repeatedly, it can be up to five times in one day. I 've also received letters threatening legal action. This is despite the fact that my nephew, although is late on occasion, has been fairly consistent in making payments.
Improper use of your report
Miss handling of personal information cause by gross negligence of said company. Their website equifaxsecurity2017.com stated that I am currently under suspicion of having my identity stolen.
Incorrect information on credit report
I faund XXXX inquiries that I mever ask forXXXX XXXX FI on XXXX XXXX XXXX XXXX XXXX
Incorrect information on credit report
Equifax has deleted all of my many years of credit history. I am XXXX yrs old and have have credit history for about 30 years or so. This is really hurting me on my credit score and want them to recognize my credit history. For example, XXXX, the Equifax competitor, is currently reporting me as having 19yrs 9 mos worth of credit. It is actually more than that, but this is acceptable to me.
Incorrect information on your report
I spoke to Experian on XXXX2017 about my concerns. They assured me that the situation would be resolved. It has not. They have done this to me before, I would like my report to be correct.
Can't repay my loan
I need the high interest rates removed and lower payments to bring my loans current
Incorrect information on your report
There were no changes in any accounts from a credit reporting perspective. TransUnion reduced my credit score by ~100 points as a punitive action from my persistent attempts to get them to correctly report my auto loan from XXXX XXXX . I have been trying to get them to correct for over one year with > 10 attempts.
Cont'd attempts collect debt not owed
Debt was paid through original creditor ( Hospital ) and still showing as a unpaid debt on my credit report
Cont'd attempts collect debt not owed
erc of florida has been trying to collect a debt that is not mine for over two years now, it has been put on my credit report three times, proven wrong, couple months pass, then put it back up, without once sending me mail about it or calling me, i have tried to get them to verify this account they can not, i told them this sounds illegal and downright wrong they sell it, buy it back fraud on there part
Unable to get your credit report or credit score
I ordered my credit score through experian. In order to get the credit score, they make you enroll in the monthly membership for $ XXXX/Month. I only wanted my initial score. They said you could cancel at any time by calling the XXXX number. They will not transfer me to memberships and I have been on hold now for 29 minutes.
Threatened to contact someone or share information improperly
On Thursday, XX/XX/XXXX one relative and one former roommate ( in XX/XX/XXXX ) received phone calls from XXXX. I have not received any written communication from this client or debt collector. Attached is a message left on one voicemail, the other call was picked up. I received a phone call but no message. Attached is the voicemail left on my relative 's answering machine. These calls happen weekly but the most recent was XX/XX/XXXX
Incorrect information on credit report
Credit reporting agency does n't want to erase old information
Incorrect information on credit report
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX Account # XXXX no contract and no signature
Managing the loan or lease
I took a loan out and was charged 350.97 % which is an unreasonable amount of interest
Managing the loan or lease
The company is reporting my account as a bankruptcy. I have contacted them about 4 times over the past year to correct. Someone always says they will correct but it never happens.
Attempts to collect debt not owed
I have Illinois Medicaid which paid debt in full.
Incorrect information on your report
I have several collections accounts that is reported to the credit bureau that are fraudulent on my account.. I should not have any collections or inquiries on my file at this moment.. These is holding me back from providing for my family.. These accounts are not mine
Incorrect information on credit report
Transunion had glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed.
Billing disputes
I purchased a lawnmower from a dealer XXXX nd opened a XXXX credit line through ge capital promo no interest if payed in full within two years they say it was a standered purchase but I sent them proof fax the invoice to them twice I sent them XXXX dollars a month for two years it should be payed off by now I accualy over paid them they should owe me XXXX back this has been going on for months now was never late with a payment.
Application, originator, mortgage broker
Wells Fargo will not allow me to refinance due to a bankruptcy six years ago. They were not involved or mentioned in that process. I am a XXXX and could use your help.
Loan servicing, payments, escrow account
Ditech Financial has misapplied payments we have made. The assigned representative will not return repeated phone calls. They are now showing us like 4 months past due and I do not find that to be true due to the fact we have made payments, they have just applied them incorrectly.
Incorrect information on your report
I do not have a contract with American Education Services ( AES ) however they are reporting on my XXXX Credit Report that I owe a debt. In addition, I have requested a full validation of alleged account that is being reported and XXXX completely ignored this request and certainly did not respond to the request within in the 30 day required timeframe.
Problem caused by your funds being low
I am filing this complaint because I feel li ke wells Fargo has cost me lots of money with my overdraft fees telling me I needed multiple accounts to manage my banking and now I am broke and owe credit card money visa I want help and an Audit on all the accounts that wells Fargo opened up under my name I can give you all accounts that I have known about about that they opened up their might be more I really do n't know but my credit is XXXX .
Attempts to collect debt not owed
The debt was paid to the original creditor. I called and spoke with the collection agency and they agreed to remove the debt. I sent them the attached receipt. The collection then showed up on my credit report as " unpaid ''.
Incorrect information on credit report
Transunion is not giving Giving me any Response from XXXX XXXX about why are they reporting after more than 2 years, They allow to poison my credit sending every month the account is off charge, is Poison my Credit, this is a illegal action from XXXX paying Transunion to Damage my Credit Report, Off Charge is one time action not a recurring action by the Fair Credit Reporting Act. I need them to Stop Poison my Credit for this Action.
Improper use of your report
XXXX hard credit inquiries on the same day by the same company
Incorrect information on credit report
An identity thief fraudulently opened an XXXX XXXX credit card account in my name. {$10000.00} was charged to the card with no payments. I noticed via review of my Equifax report ; I contacted XXXX XXXX, filed a report with the FTC and a police report, and disputed the account on the Equifax report. Equifax denied the dispute.
Struggling to repay your loan
This complaint is against Wells Fargo. Student loans came due, I was constantly harassed by phone calls requesting payment. I repeatedly asked for payments to be lowered, asked for detailed payment information which I never received. My parents submitted paperwork to have payments lowered and was never contacted back with an answer. I was hit with late fees for months. I still inquired about a detailed report to see interest accrued and never received.
Improper use of your report
ON XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE
Incorrect information on credit report
I have an account on my equifax report that is not mine. XXXX is showing on my report XXXX and i did not receive or approve this account. I have sent several requests to this company for proof of debt and have received nothing from them each time. This is fraud and needs to be removed from my credit report immediately.
Loan servicing, payments, escrow account
Ca n't find out who was the custodian of our payments made to loancare by the trustee. The loan was transferred XXXX XXXX however payments were still sent to loancare until XXXX XXXX. Mortgage payments errors were not reflected. Sent request to the company for account statements. Never received any statements since XXXX XXXX, XXXX.
Attempts to collect debt not owed
I have tried on several attempts to get this company to validate that Im the responsible party that owe this debt but they have failed to validate.
Cont'd attempts collect debt not owed
I continue to ask XXXX to validate this debt. I 've never received a copy of the credit application for XXXX. I 've never had an individual XXXX account, I have a current joint account with my wife with XXXX.
Attempts to collect debt not owed
this account does not belong to me.
False statements or representation
Had a loan for training at previous employer. Loan paid in full XXXX XXXX. Received notice from Transworld Systems Inc. of debt owed of XXXX on XXXX XXXX XXXX. Address listed for transworld systems inc include a XXXX XXXX and XXXX address on same document. verified funds paid my bank.
Taking out the loan or lease
Santander Consumer USA. I purchased a vehicle through Santander USA in 2012. I have made XXXX payments of XXXX and still owe XXXX. The payoff amount changes from day to day. They are staying that I owe XXXX. ( + ) in late fees! How is that? They could not give me a proper answer. I do not understand how I have made payments of XXXXand the principle has not decreased.
Cont'd attempts collect debt not owed
I have no recollection of this collection. ARS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Account opening, closing, or management
Wells Fargo has withdrawn a $ 30 monthly fee from my checking account since XXXX 2014 without my permission. I have only recently been made aware of the withdrawal. Wells Fargo insists they can only credit me for 90 days and will not return the remaining balance of {$150.00} to my account.
Disclosure verification of debt
I was never notified of the debt by the original medical office. I believed the sum in question was to be paid by insurance. My first notice of the sum due arrived from a debt collection agency, with a threat to notify credit bureaus. When I called the medical office, their automated service told me there was no balance owing.
Improper use of your report
Dont reganized inquiries
Attempts to collect debt not owed
XXXX {$19000.00} disputed this car loan with XXXX XXXX automotive and even went as far as obtaining legal representation to have this loan that isnt mines removed from my credit report. XXXX XXXX deleted it and reported it back on my credit which has resulted in lowering my fico with a false credit reporting that doesnt belong to me.
Cont'd attempts collect debt not owed
Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this?
Incorrect information on credit report
Address still incorrect. Also listing two additional addresses that do not belong to me. Please remove XXXX XXXX from address. This is a single family residence. Please remove XXXX XXXX - Never resided there. Please remove XXXX FL - Never resided there.
Loan modification,collection,foreclosure
The borrower has been trying to get a modification on her XXXX mortgage for over a year. KeyBank keeps sent her a denial on XXXX XXXX indicating that she did not qualify, but did not provide sufficient detail as to why she did n't qualify or what options are generally available. The borrower appealed the decision, but KeyBank denied her appeal without explanation.
Cont'd attempts collect debt not owed
We have repeatedly received calls from the NP GROUP out of XXXX, NY for a debt that that they claim is mine. I confirmed with them during one conversation that the debt was not and could not have been mine. The lady said she made a note and that they would stop calling. They have not. Furthermore, I have contacted the bank for whom they claim to represent and confirmed that there is no record of this debt existing. XXXX, ny np group
Cont'd attempts collect debt not owed
Received telephone call from unknown telephone number resulting from debt collection company and they did not leave message.
Managing the loan or lease
We signed an agreement for the Debt Collector DYCK O NEAL. This is handled through there attorney. We have been making payments and are getting a negative report on our credit report. This is not a loan but a debt related to real estate. We feel this account is not being reported correctly.
Account opening, closing, or management
I have Bank Accounts Opened by my Social Security Number XXXX
Incorrect information on credit report
There is an address on my credit report that was reported on XX/XX/XXXX. I have lived at my residence since XX/XX/XXXX and still to this date. I can prove. If you can please check or remove this address it is not my residence. Thank you in advance.
Improper use of your report
I have hard inquiries on my Equifax credit report that I did n't authorize or recognized. These are the following hard inquiries 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 ) and XXXX XXXX GA XXXX XXXX XXXX. Also identify theft was played at fault in many of these unauthorized accounts.
Improper contact or sharing of info
They keep calling all my family members and parents and telling them to tell me to get a lawyer and should not be going over my business with all my relativesWhen they call my cell never leave a message they threaten on the phone using scare tactics - and asked them to not call family members but they do and family members just hang up on them
Improper use of my credit report
I am a veteran, I have recently moved to the state of Georgia. The following inquiries appear on my credit report. The inquiries were made without my authorization. Please delete or remove the inquiries promptly within 7 days. I am a victim of someone inquiring without my permission.
Billing disputes
I tried to return a defective product ( XXXX ) to Best Buy, but was told I was a few days past the very short return period ( 1 month ). I elected to pay only the minimum payment on my card until the issue was resolved. In spite of my XXXX notices to the credit card co., I was charged late fees which they 've refused to remove.
Other service problem
switch two step verification to authy worked the first time but never again. have called and been hung up on. have emailed but not response have used the computer camera to verify my identity but got no response. What in the world is going on with you? I just want to log in to my account.
Attempts to collect debt not owed
Asked for Validation Letter not Verification. Never received validation that this debt belongs to me.
Incorrect information on credit report
I am a victim of credit fraud and there has been unathorized inquiries on my consumer report, I disputed this information with the creditors and they informed me that they ca n't do anything about it and that I should contact the credit buruea to remove this inquiries. They are adversely affecting my report.
Other
I am starting to be harassed by Capital One credit card collections. I do not want any harassing collection phone calls from Capital One. I want this collection action by them to cease and desist from now on. My roommate has XXXX and needs his peace and quiet from these annoying calls. Capital One has already made to harassing calls on a daily basis.
Settlement process and costs
My XXXX year old mother is refinancing her home. Her mortgage was recently transfered from XXXX XXXX to Shellpointe Mortgage Servicing. She and her attorneys have been trying to get a payoff statement from Shellpointe for over 3 weeks and they have not responded. As a result, her rate lock on her new mortgage commitment has expired and now she has to pay a higher rate. Shellpointe has not responded to XXXX requests for the payoff.
Incorrect information on your report
On XXXX/XXXX/XXXX I received a credit report from XXXX and Equifax I seen an account from XXXX XXXX XXXX. I tried to reach the company per the address being reported on my credit reports via certified mail.. I noticed the address being different on both reports. Two days later I received both letters back being undeliverable Per the fcra they are reporting false information