Colony Brands, Inc.

I requested th\e original purchase contract/ agreement for seventh Ave as I have no knowledge why company this even is.. I have never received this information. This account has been charged off for quite a long time and is still showing up. even when requested to be removed numerous times. it was removed once and then put back on report.

I was a victim of predatory lending practices by Montgomery Ward. The loan terms were unfair and misleading, and the account is being reported inaccurately. I dispute the accuracy, validity, ownership, and legal enforceability of this account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 requires that all information reported be fair, accurate, complete, and fully verified. Furthermore, XXXX hold both credit bureaus and furnishers liable for reporting false, misleading, or unverifiable information. I am requesting a full reinvestigation, including but not limited to : Verification using original signed contract ( XXXX ) Documentation showing the account was reported with maximum possible accuracy The method of verification used to confirm this account If XXXX XXXX XXXX can not provide original, competent, and verifiable documentation, this account must be deleted immediately from my credit file pursuant to the FCRA.…

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( XX/XX/XXXX ) I have been paying on the Montgomery Ward balance since XX/XX/XXXX the original balance was {$740.00}. As of today, the balance is {$410.00}. I contacted the company XXXX XXXX XXXX XXXX XXXX ) that accept the payment on behalf of the Montgomery Ward to settle the account which would be 50 % of the balance and was told the balance is {$480.00} and that Montgomery Ward has not sent any payment updates since XX/XX/XXXX. I contacted Montgomery Ward and was told to have XXXX XXXX XXXX XXXX contact them to obtain the correct balance so I can settle the debt. I then called XXXX XXXX XXXX XXXX back and spoke with XXXX XXXX direct line XXXX ) and was told they don't do that I would have to pay 50 % of the {$480.00} and I explained that is not the correct balance and he said there is nothing he can do and ended the call.…

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On XX/XX/XXXX, I received the attached letter dated XX/XX/XXXX from Country Door in XXXX, WI. The letter includes an account number. A sentence in the letter says " Due to a lack of activity on your Country Door Credit Account, it will soon be closed, and you'll lose access to your hard-earned credit limit of {$2000.00}. '' I have never requested or authorized a Credit Account with this company. I called the number on the letter on XX/XX/XXXX and asked who opened this Credit Account with them. They did not answer the question. Instead, they used the account number to look up the account and told me that I placed an order for something from them in XX/XX/XXXX. I explained that I did order something from them, but I paid for it with my XXXX XXXX XXXX card. I did not accept any offer of credit from them. I asked again how they opened the Credit Account without my consent, which is fraudulent. The response was that since I have no balance due to them, I have no account.…

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I have been receiving bills for a Montgomery Ward credit card that I never applied for. When I first received this bill, I tried to call the company and no one answered. There was no automated answering service. There was no way to speak with anyone. I called a few months later and was able to speak to someone and tell them that this was not my credit card, and I needed to know what was purchased and when since it is not on the bill. They only asked me if I wanted to make a payment. I did not. I received another bill in the mail yesterday. This bill has shown up on my credit report as well.

I called Midnight Velvet on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX to inquire as to when I will receive my refund ( {$130.00} ) for the items returned to them and the customer service representative gave me such a hard time I requested to speak to a supervisor and she placed me on hold for such a long time I hung up the phone and called back and a supervisor by the referenced number XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. After she put me through XXXX and confirmed my information in her system then she stated I should receive my refund by XX/XX/year>. This issue is stemming from the initial issue concerning the same items from XX/XX/year>.

I received a bill from Montgomery Wards on XX/XX/year>. I called them and they took all the information from me. Told me they put a fraud alert up. Some of the packages went to, XXXX, and XXXX, and XXXX. I received 5 packages since. I have tried to have them give me return labels. but can not get ant were I also file a fraud alert with the Police. I keep getting packages I did not order. I want it to STOP!!!!!!!! Thank you. The Police said that this is a Scam.

A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

I received a letter from Montgomery Ward on XXXX XXXX about an offer for the holiday since I was a good customer. They said I could charge up to my limit and not have a payment until after the holidays. So times were tough and I took them up on their offer. I started getting mail saying I was late with a payment. I called Montgomery Ward. I spoke with credit department. The girl said to me " we never sent any letters ". They kept sending late notices. I sent a copy of letter they sent me to credit dept. XXXX nothing. I called after getting " you better pay letter ''. I called. Talked to supervisor XXXX. She said it goes to accounting. I then sent XXXX letters ( the same letter they sent me ). XXXX, XXXX XXXX and a XXXX XXXX is a made up name. XXXX XXXX. XX/XX/year> I received a letter from XXXX XXXX. I had XXXX days to call and tell them what I intended to do to solve the problem basically. So I called the same day and I talked to a XXXX.…

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I received an alert of a new account for Montgomery Ward opened on file back in XXXX and checked it immediately because I know I didn't open such account. I disputed the account in every way possible online. I disputed the name, address, and the account itself. I called the credit agency at that time I received the report and spoke with an agent and they assured they would follow through on the account. I also called the company Montgomery Ward as well and spoke with a representative to explain what was going on. The representative looked up the account and she in subtle ways verified the address on their file and I explained I have never lived at that address and that I have lived at my current address for over XXXX yrs proving to me that they were indeed speaking of the other individual with the same name who just so happen to live in the same city.…

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I got an email on XX/XX/2025 of a credit request being approved and an order being shipped. The order was being sent to an address in XXXX XXXX XXXX where I do not live. I noticed that the billing address was under my name and address. I called the company notifying that it was not me and I am a victim of identity theft.They said they will do an investigation taking 30 days. I also froze my credit report for all three credit companies that day. I received a bill in the mail on XX/XX/XXXX that I owed {$25.00}. I immediately called them saying that I will not be paying for the bill since I notified the company on XX/XX/XXXX that was not me opening a store credit account and ordering from them. They again told me it was going to be a 30 day wait for an answer. I have no news yet but I will be sending a letter created on XXXX to the company soon.

I have received a Swiss Colony prepaid XXXX which is a debit card that I do not want and did not as k for. Company does not provide their phone number or address. Information included states that I will be billed for not using the card. How can I get help without having to hire an attorney to prevent credir issues? thanks XXXX XXXX

I had 2 open account with XXXX XXXX XXXX XXXX For about 4 months I owe a total amount around {$700.00} maybe these people call me at least XXXX times a day starting at XXXX XXXX. This is so harassing they call from all kinds of numbers leaving voice messages they call from local numbers long distance numbers etc this needs to stop they are very worsen for all the overwhelming unwanted communications please help me with this problem thank you XXXX in a very bad hardship just went through a bad divorce I'm in financial ruins right I will pay as I can I know i owe this debt they act like im the only one that owes them based on how much they call me I wish they would stop they are very aggressive

I had 2 open account with ginny & 7th Ave. For about 4 months I owe a total amount around {$700.00} maybe these people call me at least 10 times a day starting at XXXX XXXX. This is so harassing they call from all kinds of numbers leaving voice messages they call from local numbers long distance numbers etc this needs to stop they are very worsen for all the overwhelming unwanted communications please help me with this problem thank you im in a very bad hardship just went through a bad divorce I'm in financial ruins right I will pay as I can I know i owe this debt they act like im the only one that owes them based on how much they call me I wish they would stop they are very aggressive

balance : {$86.00} Account opened : XX/XX/year> I am formally disputing the accuracy, legality, and authorization of the account listed below. This dispute is made pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 604 ( Permissible Purpose ) and 611 ( Investigation of Disputes ).

To the Consumer Financial Protection Bureau, I am submitting this complaint regarding a fraudulent account opened in my name with Seven Avenue without my knowledge or authorization. I am a victim of identity theft. An account with Seven Avenue was opened using my personal information without my consent. I did not apply for this account, did not authorize it, and did not benefit from any purchases or charges associated with it. Despite this, Seven Avenue has reported or attempted to report this account in a manner that negatively impacts my credit profile. I have disputed this account directly with Seven Avenue and with the credit reporting agencies, stating clearly that the account is the result of identity theft. I have also taken steps to protect myself by placing fraud alerts and filing an identity theft report. I am requesting CFPB assistance to ensure that : 1. The fraudulent Seven Avenue account is closed immediately 2. Any balance associated with this account is removed 3.…

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I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

I spoke to a representative of Seventh Avenue after receiving a collection notice in the mail in XX/XX/year>. The balance owed is {$270.00}. I provided my information, and I was told my information didn't match anything in the system. I asked the rep how I received a letter. She restated that my information didn't match. The rep never sent me a notice stating my info didn't match their system. Yes, they have my name, date of birth, and ssn, but the address nor phone matched what I provided them. It is still attempting to be collected, however. I have also repeatedly disputed this debt with the credit bureaus, as well, and still have gotten nowhere.

In XX/XX/year> my Grandmother placed an order for a blender for me through Seventh Avenue. She had ordered a few items for me for my new apartment and had them sent to me in XXXX XXXX. In XX/XX/year>, I received a bill in the mail for {$170.00}. Confused by this, I reached out to inform them that I did not open an account with them, this order should be under my Grandmother 's account. They informed me that my Grandmother needed to send a notarized letter stating that she was in fact responsible for the payment of the item that was ordered. My Grandmother had the notarized letter made on XX/XX/year> and it was sent on XX/XX/year>. On XX/XX/year> I received another bill in the mail for the amount of {$200.00}. I called Seventh Avenue to make a complaint. They said they were sorry and that the account should be closed now. I requested they send me a letter documenting that they have indeed closed the account and that all reporting to a credit agency be removed from my credit report.…

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Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my creditreport.

I am filling this complaint because Montgomery ward is reporting 60 day and 90 day late payment on my XXXX credit report different days on my XXXX and my XXXX Report that dont seem accurate.The dates dont lineup with my payment history and I was never shown any documentation explaining how they came up with these late marks, the account is currently showing as current terms so I want the bureau and the furniture to fully verify these late payments with actual records, if they cant provide real proof of the exact dates I am requesting that the inaccurate late marks be corrected or removed. I just want my credit report to show accurate information. Thank you.

. MONTGOMERYWD ( Montgomery Ward ) Revolving / Charge Account These accounts show 30-day late notations in your payment history grid that are inaccurate, inconsistent across bureaus, and contradicted by my own records. I am providing screenshots of : XXXX reports showing inconsistent reporting Consumer disagrees dispute comments XXXX Breach eligibility confirmation Under FCRA 1681e ( b ), you must report only maximally accurate information. Under FCRA 1681i, you must conduct a reasonable reinvestigation and delete any information that can not be verified with complete accuracy. Requested Action : 1. Remove all derogatory late payment codes ( 30 ) from both accounts. 2. Update the full two-year history to reflect OK/ Pays As Agreed / Never Late. 3. Provide an updated consumer report upon completion. If verification can not be fully substantiated, the late marks must be deleted. Certification : I certify that these late marks are inaccurate and must be corrected under the FCRA.

XXXX. XXXX XXXX Revolving / Charge Account These accounts show 30-day late notations in your payment history grid that are inaccurate, inconsistent across bureaus, and contradicted by my own records. I am providing screenshots of : IdentityIQ reports showing inconsistent reporting Consumer disagrees dispute comments Equifa x Breach eligibility confirmation Under FCRA 1681e ( b ), you must report only maximally accurate information. Under FCRA 1681i, you must conduct a reasonable reinvestigation and delete any information that can not be verified with complete accuracy. Requested Action : 1. Remove all derogatory late payment codes ( 30 ) from both accounts. 2. Update the full two-year history to reflect OK/ Pays As Agreed / Never Late. 3. Provide an updated consumer report upon completion. If verification can not be fully substantiated, the late marks must be deleted. Certification : I certify that these late marks are inaccurate and must be corrected under the FCRA.

I received a bill from Montgomery Wards claiming that I owe {$360.00} for an order from their company around XX/XX/year>. I have never opened a credit account with Montgomery Wards and I have never received goods or services from Montgomery Wards. I filed a dispute with Equifax and the FTC and the account was removed from my credit report. I also used the account number on the bill to create a web account with Montgomery Wards and I discovered that the person who opened the credit account listed my actual address as the billing address and the products they ordered were sent to an address in Washington. I have never lived in Washington state and I do not know anyone who resides at this address. I recently received a notice of collections from XXXX XXXX, acting on behalf of Montgomery Wards to collect this debt. I have filed a police report with the XXXX XXXX XXXX Department with report # : XXXX. I did not open this account nor have I received goods or services from Montgomery Wards.

This complaint concerns furnishers, not the credit reporting agencies. The following furnishers are actively publishing false, fraudulent, and erroneous information about me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ( XXXX ) Seventh Avenue / Colony Brands XXXX Bank XXXX XXXX XXXX I am the victim of identity theft, documented by an FTC Identity Theft Report. ALL of these furnishers received : Written disputes Fraud affidavits Identity theft documentation Requests for verification Certified-mail notices Yet they continue to furnish false and unverified information to the CRAs. 1. Furnishers failed to verify ANY account Not one furnisher has provided : A signed application A signed contract Any original documentation Any proof I opened these accounts Any proof connecting me to the alleged debts Despite being legally required to investigate, furnishers are rubber-stamping verified responses with NO documentation. 2.…

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I had opened this account back in 2016 made purchases and paid it off. I received an email a couple of weeks ago about some purchases that were made. I reached out to the company to inform them that this was fraudulent and wasnt able to speak with the fraud department. The purchase was unauthorized I didnt make them. The items were sent to a different address. I have never lived out of the state of Delaware.

Montgomery Ward/Swiss Colony is reporting a {$500.00} charge-off that is factually impossible. The credit bureaus show XXXX XXXX late payments and no delinquency sequence leading to a charge-off. XXXX added a new charge-off update in XX/XX/year>, which appears to be illegal re-aging. XXXX also shows a past-due balance of {$170.00}, while XXXX shows no past-due amount. XXXX does not show a valid XXXX. I requested documentation, billing records, and XXXX, but nothing was provided. The information is inaccurate and unverifiable.

I don't know what is going on with XXXX and the three credit Reporting agencies... I do not owe Country door the amount they claim, I only purchased a few items, my first bill was {$230.00} ... I sent them {$100.00} to bring the bill down, I placed another order for only {$190.00}, that left me a bill for {$190.00} + XXXX ... total to be paid {$320.00} ... they went into my account and took out {$25.00} on the next XXXX Bill, I had XXXX to send them {$70.00} ... I have XXXX receipt sending them the {$70.00} ... and also when they took out the twenty-five dollars... They sent me a Bill saying XXXX was behind two payments ... I got the bill, they jumped my bill to over {$400.00} dollars {$410.00} exact ... I told them to correct my true bill, and then they sent me two payments behind ... instead of paying {$7500.00} in back payments... they brought it down to {$5000.00} .. I told them I was not going to pay one dime until they correct my bill... to what I really owe ...…

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I previously disputed the Montgomery Ward ( XXXX ) account as identity theft/inaccurate information. The account was removed from my XXXX report. However, it was later reinserted without providing me with the required reinsertion notice. This violates the Fair Credit Reporting Act ( FCRA ), including : 611 ( a ) ( 5 ) ( B ) Reinsertion requirements 605B Identity theft blocking protections No written notice was provided within 5 business days of reinsertion, and I was not given any explanation or documentation supporting reinsertion. I requested investigation documentation and reinsertion notice, but XXXX did not provide it. Reinserting a previously deleted account without proper notice and without investigating new disputes harms my credit, causes scoring drops, and creates confusion for lenders. I am requesting : 1. Permanent deletion of the XXXX account. 2. A block on any future reinsertion. 3. Written confirmation of correction. 4.…

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SEVENTH AVE TransUnion Experian Equifax Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$210.00} {$210.00} {$210.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$210.00} {$0.00} {$210.00} XXXX XXXX : {$0.00} {$100.00} {$0.00} Past Due : {$100.00} {$100.00} {$100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX