Credit Report Inaccuracy Case

In * We had a great credit score (around *) and a high-limit credit card for over 43 year of perfect credit not one issue. We just bought a retirement home in Summerfield, FL, with a second Mortgage against our home in Milford, MA. In * my life was good, married for * yrs, to a wonderfull man named Jim. * I had already made a big mistake in *. As I was sure I wasn't going to make it, I asked Jim to remove my name from everything. I had already made a big mistake in *. As I was sure I wasn't going to make it, I asked Jim to remove my name from everything. It wasn't in his nature to do that, but he didn't want to upset me either this was a bad idea, because on Jim Death Bed a family friend who I thought had my best interested had Jimon the phone Transferring everything from the 401K to IRA, It was awful the look in his eyes knowing he knew now he was going to die. A couple of days after Jim's death, I called all the Credit Cards to see that the balance was on the cards . I spoke with each company, I think there was *, GM card was the highest limit $*.* and the most used. The lowest Card we had was Chase that limit was $*.* /d in aug *. I had money in the IRA. So I had to Pay a lawyer to put thmy name back on everythingeac hr I retired from Lowe's Home Improvement after 12 years , as a sales specialist. 2 months after retiring, I was diagnosed with stage * Lung Cancer. No, we didn't smoke, I faced surgery, chemo, radiation and a long recovery. if I made it,, My husband put in for retirement on the day he was to retire, we were at the hospital admitting him . To my shock he died three weeks later from Brain Cancer. The credit bureau was not a top priority, overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. Sept * I had already made a big mistake in July *. I told Jim to take my name off of everything, and if I made it we were going , we would have to make new wills. Jim didn't want to do that, but he didn't want to make me upset. this was a bad idea, because on Jim Death Bed a family friend who I thought had my best interested had Jimon the phone Transferring everything from the 401K to IRA, It was awful the look in his eyes knowing he knew now he was going to die. A couple of days after Jim's death, I called all the Credit Cards to see that the balance was on the cards . I spoke with each company, I think there was *, GM card was the highest limit $*.* and the most used. The lowest Card we had was Chase that limit was $*.* /d in aug *. I had money in the IRA. So I had to Pay a lawyer to put thmy name back on everythingeac hr In the * plus years , In * when I open my account in Sommerfield Fl, I deposit a lot of money but most of my money was in the IRA, My credit score went down the minute my husband died,,. For 43 years we had perfect credit, no missed payment, and high limits. When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said they would take care of. I believed they would do as they said. The car I had to pay off so I could get the title.This so called Lawyer , told me I should go after the Doctor for telling Jim is headaches were due to he gave me anxiety due to him worrying about me, so he gave him pills. The lawyer suggested an accountant who was awful he forgot to file an extension, My tax bill for * was $*.* . The account told me to take the money out of the IRA and pay them, which I did but when the tax bill for * came in i was for $*,*. I didn't have it, I was trying to pay off my high credit card,, when after the IRS checked everything they said, That the accountant should not have told me to pay everything at once, The IRS Put me in noncollectable status, where I still am but the amount I owe is $*,*. This is 9 years old it falls off after 10 years. I had a lot of expenses, Lawyer fee for Malpractice.After spending $*,* it came down to the fact that I was never in the office when the Doctor told Jim anything. There as missing paperwork. I was too sick to Fight.. (Bills for moving, paying on credit Cards. Medical bills. Jim for Brain Cancer, my Lung Cancer. Ji,ms Burial. Things Got worse. my House Insurance. my Car Insurance paying on a Reverse Mortgage credit cards, taxes on the hous,e everything. I was paying so much more than my neighbors. I didn't understand why? It wasn't in his nature to do that, but he didn't want to upset me either this was a bad idea, because on Jim Death Bed a family friend who I thought had my best interested had Jimon the phone Transferring everything from the 401K to IRA, It was awful the look in his eyes knowing he knew now he was going to die. A couple of days after Jim's death, I called all the Credit Cards to see that the balance was on the cards . Please I have to send this to a lawyer, he wants to know what happen and how did wrong credit reporting from the credit agency and by chase closing my credit cards after 29 years without notice and when chase closed my new checking about that Hello overn In * We had a great credit score (around *) and a high-limit credit card for over 43 year of perfect credit not one issue. We just bought a retirement home in Summerfield, FL, with a second Mortgage against our home in Milford, MA. In * my life was good, married for * yrs, to a wonderfull man named Jim. * I had already made a big mistake in *. As I was sure I wasn't going to make it, I asked Jim to remove my name from everything. I had already made a big mistake in *. As I was sure I wasn't going to make it, I asked Jim to remove my name from everything. It wasn't in his nature to do that, but he didn't want to upset me either this was a bad idea, because on Jim Death Bed a family friend who I thought had my best interested had Jimon the phone Transferring everything from the 401K to IRA, It was awful the look in his eyes knowing he knew now he was going to die. A couple of days after Jim's death, I called all the Credit Cards to see that the balance was on the cards . I spoke with each company, I think there was *, GM card was the highest limit $*.* and the most used. The lowest Card we had was Chase that limit was $*.* /d in aug *. I had money in the IRA. So I had to Pay a lawyer to put thmy name back on everythingeac hr I retired from Lowe's Home Improvement after 12 years , as a sales specialist. 2 months after retiring, I was diagnosed with stage * Lung Cancer. No, we didn't smoke, I faced surgery, chemo, radiation and a long recovery. if I made it,, My husband put in for retirement on the day he was to retire, we were at the hospital admitting him . To my shock he died three weeks later from Brain Cancer. The credit bureau was not a top priority, overwhelmed with grief and health challenges. With my priorities focused on survival, bureaus negligence took a backseat. Sept * I had already made a big mistake in July *. I told Jim to take my name off of everything, and if I made it we were going , we would have to make new wills. Jim didn't want to do that, but he didn't want to make me upset. this was a bad idea, because on Jim Death Bed a family friend who I thought had my best interested had Jimon the phone Transferring everything from the 401K to IRA, It was awful the look in his eyes knowing he knew now he was going to die. A couple of days after Jim's death, I called all the Credit Cards to see that the balance was on the cards . I spoke with each company, I think there was *, GM card was the highest limit $*.* and the most used. The lowest Card we had was Chase that limit was $*.* /d in aug *. I had money in the IRA. So I had to Pay a lawyer to put thmy name back on everythingeac hr In the * plus years , In * when I open my account in Sommerfield Fl, I deposit a lot of money but most of my money was in the IRA, My credit score went down the minute my husband died,,. For 43 years we had perfect credit, no missed payment, and high limits. When the credit score when down, I called Equiflex (I thought they were A government agency , because they were called Bureau,) told them there was mistakes on the credit report, we went over everything; they said they would take care of. I believed they would do as they said. The car I had to pay off so I could get the title.This so called Lawyer , told me I should go after the Doctor for telling Jim is headaches were due to he gave me anxiety due to him worrying about me, so he gave him pills. We had a great credit score (around *) and a high-limit credit card for over 43 year of perfect credit not one issue. We just bought a retirement home in Summerfield, FL, with a second mortgage using money from the home in Milford, MA, which was paid off. Retired from Lowe's Home Improvement after 12 years as a Sales Specialist in Home Decor. Jim was a security analyst at State Street Bank. I was retired 4 months when I found out I had stage * Lung Cancer, ( no we didn't smoke) my Husband decided to retire immediately to take care of me .I needed surgery, chemo, and radiation. This surgery requires breaking some ribs,so recovery ( I was not sure I was going to make it, my odds were not good )would be long. I convinced my husband to put everything in his name, he didn't want to do it, but he didn't want me to be upset. The start of the end * On the day Jim was to be his last day at work, instead of going to work, Jim was admitted to the hospital . Three weeks later,my husband passed away from Brain Cancer. Can you put yourself in my place? Retired,Bought retirement home, Listed our Home in Milford, Packing, Diagnosed with stage * lung cancer, Jim puts in for retirement admitted to hospital on that day, died * weeks later, How can this happen his doctor said, his headaches were due to the stress worrying about me, and gave him something for anxiety. ( Encouraged by my’ Lawyer to look into malpractice charges,after $*, cost was getting to high, It came down to the fact the I was not in the room when the Doctor told him that it was stress, and Jim didn't ask for a copy of the visit. On Jim's death bed a family Friend who was a lawyer had Jim on the phone transferring all the money from the 401K to the IRA. I knew nothing about IRA, The lawyer saw me as a checkbook the accountant he suggested was awful, The Lawyer even borrowed money from me, never paid it back. I had to buy the car to be able to put it in my name. I had to pay everything from the IRA, the two house, I was paying on the second Mortgage for 3 years,,, In *,I called the credit card companies to see what was 0wed on the credit cards,,, I never had to deal with any of this before. Now I am talking to credit card companies who told me that they will send me my own card, knowing that we had perfect credit, with high limits,and money in the IRA. I just said ok,,,I was offered no help or Information. When I got the cards and was going to pay for Jim service ,that came to $*,* . I went to pay on my GM Card, I knew the limit was $*,*, the card was declined this how I found out the credit card limits were lowered. The only credit card that offered help was Discover they said ,that they were closing out the card, because I didn't not open the card, I was a authorized user. The Balance will not be transferred to my new card, but limit might be reduced, They sent the card,the limit $ *,* , because they were so good to me I used them the most in *, I paid Discover 9n * $*,* for bills, I was paying off the credit cards that were high because of the balance transfer. To my new card. The week after Jim's service, I had to buy the * Kia, in order to put it in my name. I had to hire the lawyer to put everything in my name, He had a accountant he said Was good,,,that was terrible . I called credit card companies to find out what was going on, I was in for a big shock,, All the cards had reduced my Limit. Only Discover Credit a said I didn't open the account, so I wasn't responsible for the balance,,I should have call all the credit card co, but I forgot there was a lot going on, Chase at this time I have been with them for 19 years, that was in * at that time perfect payment history and the limit From * to * limit was $*,* the smallest out of all the credit cards ,* t0 * but now it was $*,*. they did include the joint balance, * to * it was $* thats 29 years no missed payments. see attachment Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, I had a accountant who did the taxes for the first year,all the money was put in an IRA. Jim died in August *, In the beginning of * my taxes were done for * ,I was shocked at what I had to pay between federal and state and the penalties that I encourage because the accountant didn't file for a extension I was over $*,* I called and asked him what I was supposed to do he said” you have the money in the IRA pay them “so I paid them He forgot to get an extension and was hit with a penalty because, I was living in Florida, he forgot to do Ma tax. My money was going fast $*,* for Federal and $*,*’ for Ma state tax, At this time there was no way, I could fight the credit agency so I just continue to pay my credit card..and never went back to the credit report In In * I received a letter from Social Security telling me that because I had all this money my medicare bill would be going up so I was paying my social security check went from $* to $18oo that means my health insurance Blue cross $* Medicare $* Fl blue $* $ * a month out of $*. Which didn't leave much money. This continued for 3 years because they take the last 3 years of your income tax and go by that so I couldn't get the any increase I was living on $* a month The next year my IRS bill was $*,* ,I didn't have it because, I was paying off credit card balances. my tax bill after 9 years is $*,* . The stress is Affecting my health big time,,, I called credit card companies to find out what was going on, I was in for a big Shock,, All the cards had reduced my Limit. Now . One Credit a said I didn't Open the account, so I wasn't responsible for the balance,,I should have call all the Credit card co, but I forgot there was a lot going on, Chase at this time I have been with them for 19 years, that was in * at that time perfect payment history and limit was high ,I think I know it was high, but now it was $*,*. they did include the joint balance, Every card lowered my limit and included the joint balance, what sneaky Chase did they sent me a new card, with the same number as the joint account so they could pass the joint balance on to me,,,they knew I didn't open the account, Chase From the beginning they were out to destroy me as you read on you will see. I went and looked at the Equiflex report and was shocked that my credit score was *. I called to ask what happen ,they told me I was over the *% , What is *% didn’t Know anything about this . By the credit card companies adding the joint bal and The lowing on limit was the reason I was way over. This was how I was targeted, what they did was illegal. Equiflex told me to send a certified letter which I did, but I didn't get back to them for good 2 months, I called Equifax and asked them if they got my certified letter, they said no. So we went over everything and I told this gentleman that I couldn't really keep up on it because of my health. I thought at this point that the credit reporting Bureau was a government agency because they call themselves the Bureau. I didn't get back to them I didn't check on my credit reports just try to keep my head above water Had a highly recommended accountant who turned out to be a total mess. Reflects on the belief in people's honesty and being let down when they are not. I Asked my husband to transfer everything out of my name. So his 401K was in his name only. On his deathbed, the lawyer had my husband approve the transfer of money from the 401K to an IRA, which made me feel awful. Lawyer, who was a family friend, seemed more interested in his financial gain. Had to face cancer alone after husband's passing, making dealing with credit agencies too overwhelming. No one informed me about the repercussions of taking money out of the IRA. Lawyer borrowed money from me and never paid it back. Had to buy the car and pay everything from the IRA. Accountant forgot to get an extension for taxes and penalties were incurred for state tax. Accountant advised me to just pay the taxes $*.* and $*,* state without exploring alternatives. IRS bill for the following year amounted to $*,*, which I didn't have due to paying off credit card balances.Moving, second montage,etc Made significant payments to credit card companies, including Discover,who in * pay them $*,* . *,.The balances of the joint account was transferred to my New Credit card, but after all this research I found out that it was illegal for them to add it to my account, as I was not the originator of the credit card * So again not knowing the law, not knowing my rights, these companies do what they want, and if they're doing it to me how many more are they hurting? *. They knew what they were doing and they knew it was illegal and yet they still did it over 1o years ago. /My credit score went down when they added the joint account balance and * yrs, my credit score went from * to *,, pushing me over the *% It gets better. I went to a bankruptcy lawyer, now I had balances on my credit cards ,which I was paying and keeping up with and now this tax bill. The fact that I owed the IRS $*.* was weighing on my mind and I didn't trust anybody else ,so I called the IRS told them what happened they looked into my finances and said, that the accountant should never had me paid them amount all at once, it should have been paid in payments and then they put me in non-collectible status where I still remain. I don't know what to do This lawyer told me to stop paying on my credit cards because we could do a bankruptcy and include the IRS bill. I paid him $*,* for this advice. I stopped paying on my * credit cards and he did a thing called a charge off . Chase e accounts was not one of them,,all of these cards had no missed payments. I should have paid more attention to what he was saying, I was just overwhelmed. I was paying each credit card, the * big Cards which I owed money to, I had paid them thousands of dollars, already by taking the money out of the IRA. I Dealing with credit agencies became overwhelming after facing cancer alone. Contacted Equiflex and Experience to report credit report errors but couldn't reach Transunion. used the cards for everything, buying the car, moving. House repairs, etc and then paid them from the IRA account, Discover which I had balance of $*,* Capital One which was $*,* and Bank of America which was *,* Do you see a pattern here? I didn't know what I was doing, so I relied on the professionals to get the right help. The lawyer told me to wait and see what happens. I was never contacted by the three companies that I owed but I did get a * on them. I never filed for bankruptcy. but the three charges went on my credit report for 7 years. Note I read in the cfpb that having a charger off on a credit report is wrong because a charger is actually considered income. I received a * which means that it was income and income is not supposed to be reported on your credit report. Is this correct,,, Having them on my credit report caused a hardship, Balances from the joint account were transferred to a new credit card, which was later found to be illegal. Unaware of the law and my rights, Consulted a bankruptcy lawyer due to credit card balances and the tax bill. Lawyer advised her to stop paying credit cards and suggested bankruptcy to include the IRS bill, charging $*,* for the advice. Four accounts were charged off, Used the IRA to make payments on the three major credit cards: Discover ($*,*), Capital One ($*,*), and Bank of America ($*,*), Reliance on professionals for guidance but feeling misled or uninformed. Lawyer advised waiting to see what happens but never filed for bankruptcy. charged-off accounts remained on the credit report for seven years. Learned that having a charge-off reported on the credit report is considered incorrect since it should be considered as income, as indicated by receiving a * form. When I took out money to pay IRS from IRA ,this was added back to my Income,, That is why it was so high,,,,they said the accountant should never have had me pay it all from the iRS . So now I am living on just SS . I called the IRS and found out that the accountant should have know that it would be considered Income and I would be taxed, fired the accountant At this point I fired the first lawyer. I fired the accountant. The second lawyer had told me to stop paying * credit cards and wait to file bankruptcy so I did. I tried to survive on the money that I was getting which wasn't much after I paid my health bills the only other resource I had was a reverse mortgage, so I did a reverse mortgage which was a big mistake but it helped pay for my home insurance, my taxes, on the house house repairs whatever I got a total of *,* I had no idea how the tax thing worked all I know it was helping me out. After 3 years I could go back to Social Security and I would see from my tax return that I didn't have the money I had for my social security ($2100 month,Now with the increase that everybody got I'm up to $*. But still trying to dig myself out of all the crap that I have gone through) well along comes covid now my cards are all maxed out but.paid every month my reverse mortgage money is gone this is about a *-year span . It is harder for me to maintain my home . I have to hire everybody to do anything for me. Yes, I'm a proudful person and I won't ask anybody, but anyways no one's coming around. Because of Covid I am losing friends because of this virus and I'm getting very lonely. my daughter asked me to come to live with her . I thought it was a good idea, now I thought I heard that the IRS was going to put a lien on my property because I was in\non collectible status ,so I put my house up for sale and it killed me. I love that house but it needed a new roof and air conditioning .I still cant get a loan,] Credit score low; my house. sold it in * hours. there was no lien on it Medicare informed me that I have too much money, resulting in an increased Medicare payment. paying a significant amount for health insurance, leaving little money for other expenses. The accountant should have known that taking money from the IRA would be considered income and subject to taxes. The first lawyer and accountant were fired. The second lawyer advised to stop paying the credit cards and wait for bankruptcy. i relied on a reverse mortgage to cover expenses but later realized it was a mistake. cards are now maxed out due to COVID-*, and maintaining the home has become harder. daughter suggested living with her , put the house up for sale due to concerns about an IRS lien. The house sold quickly without any liens, but I had to lower the price due to the house needing a new roof and air conditioning. Loneliness has increased due to losing friends during the pandemic. I paid off my reverse mortgage to move to Arizona. I paid to have my car shipped, I paid all the bills on closing the house and the Realtor. I ended up with $*,* which I deposited into the Chase Bank in * but after paying off the money I borrowed Setting up a place for me in her home, and everything else there was $* left in * December I moved in with my daughter it was at this point she saw my car insurance and told me I was paying too much money for it I didn't know, I had just finished paying off most of my credit cards this was during the pandemic so I called up Geico and ask them what this was all about why would I pay so much money and they told me that if they go according to your age and your credit score they feel that anyone with a low credit score is more liable more likely to put in claims and not pay their premiums I had Geico for 10 years never missed a payment never been in an accident never received a ticket and yet for a * Kia it was my husband's in Arizona my payment now would be * a year. I had my daughter call back and said that she wanted to register * Kia she is * and she has a pretty good credit score her price was $* a year. I thought age discrimination was not allowed and the fact that they were using wrong information to determine what I paid for car insurance I checked I was paying more of a house insurance everything in my house was costing me more because it went by the for the school which was wrong I had no idea I had to borrow money to pay off the things before I got the money from the house so it wasn't much left of that *,* after paying helpers to move I'm moving company a car company packing bills and the $*,* I borrowed to cover getting the house ready to sell that would do and I wanted to pay up all my credit cards and staff fresh My next bright idea was to get a loan, to pay off my credit cards, $* the cards were close to being max due to Covid. ( I knew nothing about the *% ) . Although my cards had high amounts, my payment history was very good, I had old Credit cards that wer , * , years old. These cards were mine, not joined Account. During this time my young sister unfortunately died I had to come up with money for my sister's funeral. My other sisters and I agree that we would pay $*,* each because she had nothing. I didn't think it would be a problem getting a loan because my payments are up to date and I have not looked at this credit report for 5 years. it was just such a stressful time I didn't want to go back to it. I was surprised when I got denied by the Lending Tree that was on Monday, on Tuesday I get a email with the lending Tree letterhead just like the first one except it said ,I was approved, called and found out they were Scammers and so my next 1o months of dealing with scammers, I learned some interesting things which I will share with you later in this email). I tried again and got rejected again. Now I went to look at my credit report,, My credit report is wrong, I mean *% wrong tried to get them it fix, Name, address, accounts, dates,, closed accounts all effective my Credit score. I send letters, but daughter forgot to send certified waited *, days nothing changed, so I called Equifax , told the agent I wanted to To dispute a charge-off I figured I'd just start with one problem.. Remember the charge off Discover was gone and Bank of America got a * on them, the last one was Capital One, but now it was sold to a lawyer , date and amount was changed given them more time…I said so in the dispute. I called Equifax they Said they would look into it with my corrections then I called Experian. I talked to a girl named Jennifer asked her to remove the things on my credit report that were wrong that I did not authorize. Everything from wrong addresses to dates everything. What she did was put a fraud alert on it. I called and tried to get it removed which was quite difficult and it finally fell off . Thank you Theresa (Terry) Cosato NOTE Here are the CFPB rules that I think applies to my case US C * * the Fair Credit Reporting Act US C * * (a) the exclusion section of the FCR US C * * (i) Identity Theft US C * * Notification of verification Independent investigation I disputed a charge off, it came back one word verified US C * *(n ) civil liability for negligent non-compliance US C * * (o ) liability for negligent my compliance US C * * debt collection practices I am sure you know what applies M that derogatory I don't know this is what we're talking about actual damage that is a damage to you when you did not get approved for that $*,* loan that's your damage right it says any actual damage to saying by the consumer as a result or damages of not less than thousand dollars and not more than a thousand dollars so you have the right to choose are you going to go after them for the thousand dollars or are you going to go after them for the actual damage all right let her be interested liability of the natural person or obtaining the consumer report under false pretenses or knowingly without permissible purpose actual Right now * oh civil liability for negligent my compliance any person who is negligent and felly to comply with any requirement imposed under the subtractor with respect to any consumer is liable to that consumer in the amount equal to the sum of any damages sustained by the consumer as a result of the failure and it's of any successful actions to enforce any liability under this section the cost of the action together with reasonable attorneys fees okay so any in the case of any successful action what does that mean what does that mean okay so that means if you go up against the CRA put in a dispute and you get them to remove the very items that your beauty that's considered a successful action because removal is an admission of Filth so honest successful action it's like look you remove this so you admit it to liability right you then have the ability to enforce the liability under this section right and then go after them for attorneys fees when you begin to go after these companies there's two different ways ago or there's going to be arbitration and it's very important that any company that we do business with me know that their process is in terms of settling disputes and so that's when we have to get into the fine print of the terms and conditions and these agreements that we are signing because it's going to tell you exactly how you need to go about settling skills or resolving you all right so there may be attorneys fees there may not and you may be able to get your arbitration fees waived but I guess the point that I'm trying to make is you have to know what's going on in order to be able to enforce your consumer rights you have to read the agreements you have to be absolutely certain that when you begin your administrative remedy that you are that your paperwork is in good order that you remain in honor right and that you are following the law to a T because like I said before you don't want to have your your claims dismissed on the technicality right oh my goodness wow we are going to get into so my loans all together or was like * *,* into we are going to get into the Equal Credit Opportunity at and we're going to get into the fair debt collection practices at which is * USC * it's subsection here boy boy and I might just do another refresher tomorrow just so we can close out the week on the fcra I think I'll do that and the next week we'll dive into the fecpa because this chapter here you're going to want to watch these videos and if you've been watching this is our third day together it's March the 3rd night oh

I still need a email that would make sense to a lawyer please draft a email wih the important parts

this lawyer just had a case where a women credi rate droppen * points becsus the credit agency had wrong information,,my was * thenwenr o * so THAT SHOULD BE INCLUDED,,TRY AGSIN

I DID AND THAT IS HOW I FOUND OUT THAT THE INFOMATION THAT CHASE USED O CLOSE MY ACCOUNTS, IS TOTALLY WRONG

IS THERE A STATUE OF LI,MITIANS OF THIS

WHAT HAPPENS IF I REPORTED AND THEY KEE[P STALLING

{PLESASE WRITE ME AN EMAIL SO I CAN SEND IT TO A LAWYER SO HE WOULD TAKE MY CASE, AND INCLUDE IMPORTANT PART DO NOT FORGET ABOUT THE CASE OF THE WOMEN WHO CREDIT SCORE WENT DOWN, AND SHE REPORTED THE IT WRONG SCORE WAS VIOLTEING FAIR CREDIT PRACTICE ACT

THE LAWYER WANTS THE FULL STORY, PLEASE HELP

HOW DOES THIS SOUND AS A COVER LETTER Hello I contacted you a couple of yrs ago, about the Credit Reporting Agency and Chase Credit Card and Chase Bank,,I must tell you I have been to Hell , but I can’t say back because I am still there. I pray you are the answer to my issues, and that you can see the merit in my plea. Morgan and Morgan might be the one company that could end this. I just read this case and it sounds like what happen to me, case Nydia Jenkins claims that because of Equifax's error, her credit score was off by * points when applied for a car loan, resulting in her getting denied before having to take a different loan that is costing her $* more per month. Jenkins' lawyers Morgan and Morgan are looking to add potentially millions of other claimants who may have been affected to the lawsuit, which was file Wednesday in Atlanta federal court. "Equifax is allowed to perform credit reporting services, involving such sensitive consumer credit information, only if it adheres to the requirements of laws meant to protect the privacy and accuracy of such information, such as the FCRA," the complaint says. "Equifax’s maintenance, use, and furnishing of consumer reports is and was intended to affect Plaintiff and other Class Members, and the harm caused by the inaccuracies on consumer reports resulting from the Glitch was entirely foreseeable to Equifax." EQUIFAX SENT LENDERS INACCURATE CREDIT SCORES ON MILLIONS OF CONSUMERS Equifax said in a statement that "less than *,* consumers experienced a score shift of * points or more I have attached all the information, that will help you with your decision, Attachment #* my case history. Attachment #* will attach the full Case Information Attachment #* Attachment #* email from Chase sent to CFPBw ith my notes Attachment #* credit report shots of Chase credit card * Attachment #* credit report shot of Chase credit card * Attachment #* Experie credit report with errors and notes Attachment #* CFPB notice that they sent out warning the Credit Agency about error Attachment #* Morgan and Morgan Case This way it doesn't look like its a long email, which it is

SO NOW I NEED CASE INFORMATIOM AMD PERSON HISTROY

ITS INFORMTIOI GAVE UP IT IS JUST A TEST

NOT A TEST FOR YOU, ITS A TEST FOR ME TO SEE IF I CAN EXPLAIN SOMETHING WITHOUT BEING GO ONE AMD ON

CAN YOU SHOW ME HOW WHAT I WROTE COULD IMPROVEMENT

CAN YOU DO CASE HISTORY

CAN YOU WRITE WHAT HAPPEN USING ALL IMPORTANT THING