Hershey Med Penn State MSHMC PHYSICIANS GROUP

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to my recent credit report request from IDENITYIQ.com, there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws: 15 USC 1681623 (a) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 (a) 7 requires an “early warning” notice ONLY after they have notified said person before it is placed on the credit report (See Attached) Note: There is a $1000.00 fine if this request is not completed in 30 days as stated in FACTA. ***VIOLATIONS OF CREDITORS & TRANSUNION & EXPERIAN & EQUIFAX*** VIOLATION COUNT 1 [15 U.S.C. § 1681c] (a) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [15 U.S.C. § 1681c-1] (a) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [15 U.S.C. § 1681e] Compliance procedures VIOLATION COUNT 4 [15 U.S.C. § 1681h] All of the creditors do not have records of my proper identification I demand that the following account be verified or removed immediately:
These were medical bills that are coved by auto insurance in the state of PA. I demand this account be removed to prevent civil litigation for inaccurately reporting. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof (i.e.: an original consumer contract with my signature on it) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty (30) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen (15) days of the completion of your re-investigation. Notice of Negative Information Part of the Revised FCRA Last Updated: April 25, 2013 One of the interesting new provisions of the new FACTA regulations which is supposed to help with identity theft is the notice of negative information provision, covered in section 623(A)(7) FACTA now requires creditors to give you what might be called an ..."early warning"notice. This notice could alert you that something is amiss with an account. However, the notice is not a substitute for your own close monitoring of credit reports, bank accounts, and credit card statements. And, you may have to look closely to even see this new notice. Starting in December 2004, a financial institution that extends credit must send you a notice before or no later than 30 days after negative information is furnished to a credit bureau. Negative information includes late payments, missed payments, partial payments, or any other form of default on the account. **Notice of Negative Information Part of the Revised FCRA However, there is a fine of $1,000.00 per violation of this provision of the FCRA, The procedure to correct this mistake on your part is very easy, In the Metro 2 Format handbook the government the procedure of CRA and Creditors, you can submit an AUD (Automatic Universal Data)
I am living in a hotel because there are 19 reports THAT are not mine; most are past the 4 yr Pennsylvania statute of limitation. That States Medical bills can not be collected past 4 yrs. This is Facts! No one will rent to me. That is all thats on my Credit report. A bunch are not even mine! Know your rights people and sue these guys!