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Consumer Complaints by Product

With a focus on financial consumer protection and awareness, BadFinance.org is a nonprofit organization dedicated to provide financial analysis and advice to US consumers. Every days our financial professionals receive hundreds of complaints from the Consumer Financial Protection Bureau and compare complaint resolution trends to better inform financial consumers.


Consumer Complaints History

New Consumer Complaints


Mortgage Research Center, LLC Mortgage incorrect information on your report

February 9, 2018 - While under contract with a builder the lender denied me a mortgage based on information that they knew was incorrect and then forwarded this information to the builder. The builder then demanded additional money for carrying costs on the house or would cancel the contract. Due to this erroneous information I lost my earnest money and appraisal money. Approx $2500.00. I was never delinquent with past or present creditors. This can not be proven be this lender because it never happened....

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

February 2, 2018 - I have contacted - - - on two occasions to resolve this inaccurate reporting to the three credit agencies. I have requested validation of this debt ( disputing the companies claim ). My two letters have gone without being answered which has equal to 60 days total....

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Allied Collection Services, Inc. (Nevada) Debt collection written notification about debt didn't receive enough information to verify debt

February 1, 2018 - Didn't receive notice of right to dispute...

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CCS Financial Services, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

February 1, 2018 - Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OF DEBT...

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Sentry Recovery and Collections, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

February 1, 2018 - Didn't receive notice of right to dispute NEVER RECEIVED NOTICE OR LETTER...

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First Federal Credit Control Debt collection attempts to collect debt not owed debt is not yours

January 31, 2018 - AN ACCOUNT UNKNOWN WAS OPENED -/-/2017 IN THE AMOUNT OF $-...

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TekCollect Inc. Debt collection attempts to collect debt not owed debt is not yours

January 31, 2018 - I looked at my credit report and found a collection for $- from TEK Collect, this account does not belong to me....

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Sa-Vit Enterprises, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

January 29, 2018 - This company has been sending me noticed that I have no knowledge I have no knowledge of this debt agreement with them. It is illegal to collect on an erroneous debt that I have no knowledge of. I didn't have contract agreement with them. I want them to stop harassing me with sending me erroneous debt letters. They have reported it to the credit bureaus and I don't know them....

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Delta Management Associates, Inc. Debt collection communication tactics frequent or repeated calls

January 29, 2018 - This company has been harassing by phone daily in all hours of day and night ( automated and live person ) for more than a month without reason or reference Therefore they are in violation of the FCRA I have no knowledge of ANY debt agreement with them. It is illegal to collect on an erroneous debt with them that I have no knowledge of I didn't have signed contract agreement with them. They did not send me a written notice of this alleged debt I have mailed them a cease and desist letter and asking them what original debt that I owe Delta Management....

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First National Collection Bureau, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 27, 2018 - This company named first national collection bureau, inc. continues to send me letters, and phone calls concerning a $2100.00 debt that i have never owed, and or have any ideal about. iv mailed them 3 letters in the past two months advising them of the same. but they continue to contact me. i have attached the most recent letter from first national collection. dated -/-/2018 2018...

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Convergent Resources, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

January 27, 2018 - This is my first time disputing this matter i have an account open on my credit report that i gave no authorization to be on my report. I do not owe any dept from this place not sure what it is exactly or whats it for. The account was opened -/-/- an is still on my account as of -/-/-. I have disuted a previous charge on my account with a similar balance of - dollars that was owed but i have resolved that issue due to a family member claiming my identity. Im thinking this is also there dept...

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R & B Corporation of Virginia Debt collection attempts to collect debt not owed debt is not yours

January 25, 2018 - I have contacted - - - ( the collections agency ) through the BBB ( please see attached ). I know nothing about this debt I have requested from the company anything with my signature on it or any type of statements. They have never contacted me regarding this debt. They claim they tried to call and I have never received anything in the mail, I know nothing about this supposed debt....

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Capital Accounts, LLC Debt collection written notification about debt didn't receive enough information to verify debt

January 25, 2018 - Have sent a letter and three emails asking for validation of this debt. Asked for signed contract and proof they legally had right to collect debt, along with bill of sale. Have not received any of the aforementioned documentation. The only item that was mailed in response to my request was a two sentence letter advising how much interested has accrued. No proof of the account has been supplied what so ever. Informed company on my third request that I would be reporting them if continued collection efforts without supplying documentation, I received another collection letter yesterday, still n...

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 23, 2018 - - -, 2016 Amount = - This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine....

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CCS Financial Services, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 23, 2018 - - -, 2015 Amount = - This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine....

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Medical Data Systems, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

January 19, 2018 - TODAYS DATE- - - - DOB -/-/- SOCIAL - ADDRESS - - - -, - - -, FL - ATTENTION DISPUTE DEPARTMENT MEDICAL DATA SYSTEMS INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, ...

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U.S. Collections West, Inc. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 12, 2018 - disputed unknown collection account with - no response from agency but confirmed valid on credit report. sent letter to agency no reply, looked up company to discover they are not licensed. yet pursue collections and report - is owed without any evidence.I do not believe any such account is valid....

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Convergent Resources, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 11, 2018 - They keep contacting me over a debt i do not owe quit contacting me or ill sue you!...

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The CMI Group, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

January 11, 2018 - My name is - - last four of my SSN are -. Date of birth is -/-/- Address is - - - - tx -. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine....

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Radius Global Solutions LLC Debt collection attempts to collect debt not owed debt is not yours

January 10, 2018 - - - - calling about a debt i do not owe and better stop calling or i will sue them!...

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Convergent Resources, Inc. Debt collection communication tactics frequent or repeated calls

January 10, 2018 - They keep calling. When I answer there is silence, then they hang up. I 'm suspicious that they 're recording my voice....

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ERC Debt collection attempts to collect debt not owed debt is not yours

January 10, 2018 - Enhanced Recovery is attempting to collect on a Debt, that I never received a letter from Enhanced Recovery regarding any information about the debt that they never validated the debt and are illegally reporting. There has been no written correspondence to me regarding this Debt from Enhances Recovery. The original owner of the Debt is - -. Enhance Recovery does not have a contract baring my signature with - - -. In the US law encyclopedia, American Jurisprudence, 73 am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not original on, di...

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Harris & Harris, Ltd. Debt collection attempts to collect debt not owed debt is not yours

January 7, 2018 - Multiple ILLEGAL ROBOCALLS that have been reported to the - each time yet nothing is done. I HAVE NO DEBTS so I know these calls are bogus and they come at times that are also illegal. The number the calls come from is - from - and - debt collectors. I have never gotten a letter or any other information about any debt owed. Please do SOMETHING ABOUT THIS ILLEGAL BEHAVIOR!...

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ERC Debt collection attempts to collect debt not owed debt was result of identity theft

January 5, 2018 - I disputed this listing with a credit bureau and it was removed. In - 2017, it was placed back on my credit again listing different information. I 've disputed it once again with - and am waiting on results. I 've also disputed this with ERC, the credit bureau making the claim....

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Focus Holding Company Debt collection written notification about debt didn't receive notice of right to dispute

January 4, 2018 - FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF )....

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Allied Interstate LLC Debt collection communication tactics frequent or repeated calls

January 4, 2018 - ALLIED INTERSTATE DEBT COLLECTION AGENCY IS CALLING 6-8 TIMES A DAY FROM DIFFERENT PHONE NUMBERS. MESSAGES ARE NEVER LEFT. WHEN I BLOCK THEIR NUMBER, THEY CALL BACK 15-30 MINUTES LATER FROM A DIFFERENT NUMBERCALLS ON -/-/2018----...

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ERC Debt collection communication tactics you told them to stop contacting you, but they keep trying

January 4, 2018 - I have told this company ( ERC Holdings LLC located at - - - -, FL - ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassm...

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Texas Guaranteed Debt collection attempts to collect debt not owed debt is not yours

January 4, 2018 - Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified...

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ERC Debt collection threatened to contact someone or share information improperly talked to a third-party about your debt

January 3, 2018 - On -/-/17 around - - a Co Worker contacted me that ERC had contacted him about a debt they say I owe. I immediately contacted ERC and spoke to an associate named -. I expressed to him if he had a debt with me send a written letter to my address. The guy he contacted was not even in management and was at home for the holiday break....

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JH Portfolio Debt Equities, LLC Debt collection communication tactics frequent or repeated calls

January 3, 2018 - I have been receiving telephone calls from Reps with this Collection Agency for several days. The Reps call my home # ( - ) - and my cell # ( - ) - all day. I have requested that the Reps stop these harassing calls ; but they ignore my requests. I have no idea which Debtor ( s ) they represent because all of my debts were included in a Bankruptcy Case during 2016....

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ProCollect, Inc Debt collection attempts to collect debt not owed debt is not yours

January 3, 2018 - The company was asked to verify the debt and refused on multiple occasions, when finally Pro Collect 'provided evidence the debt was valid ' via mail, they mailed me a bill for someone who was not me for an address that was not mine and claim it is valid. They exceeded their 30 day window to provide me evidence and when they finally provided the 'evidence ' they provided a billing ledger for a woman that was not me and is several years older than myself who began renting with them in -/-/- when I was still a minor. They are claiming this is evidence the debt is valid, well outside their 3...

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D. SCOTT CARRUTHERS Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 3, 2018 - Unknown account appeared on my - credit report - of - under the name of - - - - - - -, -, CA - - ( - ) -, claiming a balance is due of $870.00. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed 6-7 times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. - - - is the same company as LAW OFFICE OF D SCOTT CARRUTHERS - - - -, -, CA -. My elderly father received a phone call ...

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D. SCOTT CARRUTHERS Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 3, 2018 - Unknown account appeared on my - credit report - of - under the name of - - - - - - -, -, CA - - ( - ) -, claiming a balance is due of $870.00. Several members of my family have received phone calls at all hours of the day from various numbers claiming a lawsuit has been filed - times a day, even after being asked to be remove their number. The numbers are randomly generated and you can not contact them back. Mountain Lion Acquisition is the same company as - - - - - - - - - -, -, CA -. My elderly father received a ph...

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Quality Asset Recovery LLC Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 2, 2018 - Dear Customer Care, I have no knowledge of this account. please remove this from my credit profile. thanks -...

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Allied Interstate LLC Debt collection communication tactics you told them to stop contacting you, but they keep trying

January 2, 2018 - I continually get calls from this company. I have contacted them via their website to stop calling my number but the calls continue. I have no defaulted loans....

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Turning Point Solutions LLC Debt collection communication tactics you told them to stop contacting you, but they keep trying

January 2, 2018 - See complaint number - for reference. After stating that I would no longer be contacted for a debt owed by someone ( - - ) who had my phone number over 3 years ago, I have once again been contacted by someone claiming to be - - with - - -. Call was this morning ( -/-/2018 ) at - ( PST ). I do n't know - -, STOP CALLING ME....

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ProCollect, Inc Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

January 2, 2018 - This company is illegally pursuing a debt by threatening to damage my credit by placing false accounts in collections. i have contacted them and sent over proof of court statements certified from a judge they are breaking the law and trying to collect extra money that is not owed. the manager is very rude and does not pick up the phone. i called multiple time and they refuse to answer....

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Delta Management Associates, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 2, 2018 - This is a complaint about Delta Management Associates ' response to me in a prior complaint : -. The company Delta Management asked that my employer return their form. All options provided on the form imply that the person they are collecting on has or does work at my employer. In fact, a person with the SSN they are collecting on has never worked at my employer. The form they want my employer to fill out lacks any such response option....

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Southwest Recovery Services, Inc. Debt collection attempts to collect debt not owed debt was result of identity theft

January 2, 2018 - I receive a collection notice from Southwest recovery service the creditor is - -.I contact - - leasing and they notify me that they do not do commercial loans therefore it is a scam that either someone trying to use with Southwest recovery service to get funds from me. I file a dispute with the credit bureau - and also call them they hang up on me when I give them my social security number and zip code. Took them less than 10 days to investigate this and they stated that the account was accurate and it remain on my credit report I am filing a complaint against - and I will t...

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Aargon Agency, Inc. Debt collection attempts to collect debt not owed debt is not yours

January 2, 2018 - I received a call at a phone number ( - ) that is new to me. I 've had this phone number for less than one month. As soon as I received this phone number it was placed on the 'do not call ' list. On - -, - at around - - I received a call from -. A message was left not indicating who they were attempting to contact. The message indicated it was from Argon Agency that was attempting to collect a debt ( again not indicating who they wanted to contact, just that wanted money ) and to call back at - and reference file # -. There are no debtors at our number. There in no ...

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ProCollect, Inc Debt collection attempts to collect debt not owed debt is not yours

January 2, 2018 - I attempted to contact the regional supervisor over the property, - - - -, that is claiming the debt against me via fax and phone on multiple dates over the last two months. The first attempt came on -/-/-, after trying to contact the parent company - - on -/-/- and was directed to resolve the issue directly with the regional manager. I contacted the office again -/-/-, -/-/- and -/-/-. Every time I was told this individual would call me back and never did so. I sent over a fax the last week of - and received a confirmation that...

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National Enterprise Systems, Inc. Debt collection communication tactics you told them to stop contacting you, but they keep trying

December 28, 2017 - Called a former workplace and left detailed information about my private debt. I have told them repeatedly I no longer work there and they keep calling. I have repeatedly ( for several years ) told them to cease and desist from contacting me. I have no interest in dealing with them. I have sent written request and verbal request on multiple occasions....

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I.C. System, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 28, 2017 - I recently received a copy of my credit report and I noticed that theres an account with collections on my report. I sent a certified letter to the collections agency asking for debt validation in - 2017 I have not received a response from the agency and again i sent another letter asking for debt validation since I have no knowledge of this account or what it could possibly be for or from. I tried reaching out via phone with no success and this negative account is damaging my credit...

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I.C. System, Inc. Debt collection written notification about debt didn't receive enough information to verify debt

December 28, 2017 - I am filing this complaint because a company called IC System is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of $200.00 but I have never done business with them or signed any agreements with this company. The account number on my credit is # -. I 've done some research online and I have only come across complaints by other consumers who have been harassed and scammed by this company. It is listed that they are based in - -, MN and I have never lived in Minnesota in my life. I live in Georgia. This company has se...

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Convergent Resources, Inc. Debt collection false statements or representation attempted to collect wrong amount

December 27, 2017 - When I checked my Credit reports I noticed " - - '' collection agency was trying to collect money from me. I asked them to validate any contract I had with - - and all they do is send me something from another entity, I have, had no contracts with - - ever, past or present, why would I give them anything? The contract I may or may not of had with the entity they are showing me has nothing to do with my obligation to another INC. LLC or other corporation such as " - - '' in this fraudulent attempt to collect a debt, without validation from their specific company, Conve...

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Penn Credit Corporation Debt collection attempts to collect debt not owed debt is not yours

December 27, 2017 - Beginning approximately - -, 2017, I have been receiving harassing " robocalls '' calls TWICE DAILY by Penn Credit Corporation 's number - for a person that has NEVER lived at my residence nor do I know the whereabouts of this person that they are calling for ( - - ). They asked me to contact this person to ask her to contact them to discuss her debt-related issues with them. I am not legally responsible for this person 's debts and I am not legally permitted to discuss this person 's debts anyway since I am not related to this person. I do not know her whereabouts and this per...

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4M Collections, LLC Debt collection attempts to collect debt not owed debt is not yours

December 26, 2017 - - -, - at - am. Received a phone call on my cell regarding a debt. After returning the call, I informed - that I was on the Do Not Call Registry and that I do not have any outstanding debts. He read the last 4 of the SS # that he was looking for, and I told him that was not me and the last known address he had was in - Washington. I informed him that I had never lived in Washington State. He was clearly calling anyone with the same name as me, without regard to violating the Do Not Call Registry. Since I do not trust that - will do what he says, I want all of this docum...

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CCS Financial Services, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

December 25, 2017 - I got a notification on my credit report about a company putting something on my credit report I knew nothing about and while doing research the company isnt licensed to collect debt in the state I am residing in which is North Carolina...

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SYNCHRONY FINANCIAL Debt collection communication tactics frequent or repeated calls

December 24, 2017 - Back in 2015, I was taken advantage of emotionally when my dog suffered a - -. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to - - as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from - to - ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( $750.00 ) months worth of minim...

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Convergent Resources, Inc. Debt collection written notification about debt didn't receive notice of right to dispute

December 22, 2017 - I became aware that - - - reported an alleged debt of $1200.00 from an alleged creditor -. I have no knowlwedge or any contract and communication with - -, - about this alleged debt....

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U.S. BANCORP Mortgage trouble during payment process

December 22, 2017 - I believe there could be a potential error on the escrow account for my property tax. I received a notice from US Bank on -/-/- stating that there was an escrow shortage of $2600.00 and my mortgage payment would increase to $1600.00 as of -/-/-. This is going to cause serious financial hardship for me and my family and I did not receive any previous notice of this change. I was not given any reason ( s ) as what caused the difference between the actual escrow amount and the projected escrow amount. I was not given sufficient notice for the increased escrow amount from US...

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Alorica Inc. Debt collection communication tactics frequent or repeated calls

December 13, 2017 - Global Receivables Solutions has been calling me every hour without leaving a voicemail. I 've received nothing from them in the mail, so I do n't know what their supposed business is with me....

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Pacific Union Financial, LLC Mortgage trouble during payment process

December 13, 2017 - - was purchased for a new home purchase on -/-/- form - - -.On -/-/- an inspection was conducted and I received notice on -/-/- that the water heater needed to be replaced due to its age and location, as well as, a missing shut off valve in the guest bathroom.I contacted the customer service dept and explained that the water heater was inspected in - and was in very good condition and the work being requested was significant and costly, and wasnt financially feesible at the time. I was told that the policy would not be cancelled, however, not renewed, ...

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Financial Data Systems Debt collection attempts to collect debt not owed debt is not yours

December 8, 2017 - Good Morning, During the process of reviewing my credit report. I noticed the company Financial Data Systems Inc. on my credit reports as collections multiple times. It states the file was opened on -/-/2017 in several different amounts for this noted date. Amount # 1 : $29.00 Amount # 2 : $120.00 Amount # 3 : $26.00 Amount # 4 : $120.00 & Amount # :5 $200.00. I have contacted this company via certified letters asking for validation of these debt amounts because they do not belong to me. I did not receive a response from this company. I have also made attempts to contact this c...

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SYNCHRONY FINANCIAL Debt collection attempts to collect debt not owed debt is not yours

December 6, 2017 - Asked for Validation Letter not Verification. Never received validation that this debt belongs to me....

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Collections Acquisition Company, Inc. Debt collection attempts to collect debt not owed debt is not yours

December 6, 2017 - I recently discovered that - -Payliance is reporting a debt of $200.00 on my credit reports after applying for a mortgage and was denied. I have never done business with this merchant and do not owe the amount they are claiming I owe. Upon contacting - - the advised me that it was a result of a returned check. When they verified the bank it was check written on an old account I had closed due to misplaced checkbooks. I have tried multiple times via credit bureau disputes and through assistance of credit repair company but - - keeps stating that they have verified this debt...

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ProCollect, Inc Debt collection attempts to collect debt not owed debt is not yours

December 6, 2017 - This company is accusing me of this unknown debt. I feel like they are trying to say this debt is mine without investigating properly. I have never lived at the address that this debt has come from. The only addresses I 've ever lived at are the ones on my credit report. I never claimed this debt was mine. I simply stated that if you are saying that this debt belongs to two people then it should be split in half, because two people ca n't owe the same amount on one debt. I also noticed that this company stated that the debt occurred in -, but my credit report is stating that the open date i...

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Messerli & Kramer P.A. Debt collection written notification about debt didn't receive notice of right to dispute

December 1, 2017 - The law firm of Messerli & Kramer has, over the past 18 years, captured my money several times for a debt they allege, but has not proved, I created in -. In -, Messerli & Kramer law firm, acting on behalf of - - -, apparently obtained a judgment against me, without providing me notice, for this account they alleged I opened in -. This same year, the law firm acting on behalf of the debt collection agency then captured an account for this debt ; one of which, I shared with my parents. I was on the account due to them both being ill and unable to care for their financial affai...

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Seterus, Inc. Mortgage trouble during payment process

November 22, 2017 - Remove the escrow account for loan # - due to insufficient capabilities of Seterus Inc and its contracted vendors in respect to managing the escrow account. In reviewing the escrow analysis history of the escrow account, the following observations have been made : 1 ) In the escrow analysis dated -/-/- there was a shortage/deficiency in the amount of $220.00. To counter the shortage/deficiency the payment was increased by $37.00 from $1500.00 to $1600.00 over a 12-month period. 2 ) In the escrow analysis dated -/-/- there was a shortage/deficiency in the amount of $170.00...

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TRANSUNION INTERMEDIATE HOLDINGS, INC. Debt collection took or threatened to take negative or legal action threatened or suggested your credit would be damaged

November 7, 2017 - I was limited to options in selecting my dispute and complaint I am submitting. To clarify there is a bank " - - - - '' that is reporting a loan I had with them as Chapter - Bankruptcy ... ..I 've never filed for chapter - nor chapter - bankruptcy and this information reporting is false and untrue. I have been disputing this with the credit reporting agency 's but need to wait at least 30 days before the disputes are finanlized. In the meantime my credit score is low because this remark is reporting. I 've tried to rectify and have this false information removed off my cre...

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