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mark ellison
@EllisonMark
Retired Teacher/sports nut/music freak/movie lover/UW-Madison & UW-Oshkosh grad/dog lover/big time sports card collector and part time sports announcer.
Wisconsin Entrou em Ağustos 2011
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The Last 20 Best Actress Oscar Winners
2007 – Helen Mirren
2008 – Marion Cotillard
2009 – Kate Winslet
2010 – Sandra Bullock
2011 – Natalie Portman
2012 – Meryl Streep
2013 – Jennifer Lawrence
2014 – Cate Blanchett
2015 – Julianne Moore
2016 – Brie Larson
2017 – Emma Stone
2018 – Frances McDormand
2019 – Olivia Colman
2020 – Renée Zellweger
2021 – Frances McDormand
2022 – Jessica Chastain
2023 – Michelle Yeoh
2024 – Emma Stone
2025 – Mikey Madison
2026 – Jessie Buckley
Source: Oscars

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there's a phone number that deletes debt
it's the Consumer Financial Protection Bureau hotline: 855-411-2372
when you file a complaint through the CFPB (you can also do it online at consumer finance. something very specific happens on the other end that most people don't understand
the CFPB forwards your complaint directly to the company you're complaining about. the company has 15 days to respond and 60 days to resolve. but here's the part that matters: the CFPB tracks every single complaint and publishes response data in a public database that regulators, journalists, and attorneys monitor
companies know this. banks know this. collection agencies know this
a CFPB complaint against a debt collector carries more weight than 50 dispute letters because the collector now has a federal regulatory body watching their response. if they fuck it up, it creates a paper trail that FCRA and FDCPA attorneys can use to sue them
the resolution rate on CFPB complaints is dramatically higher than normal disputes. we're talking 65-80% of complaints resulting in some form of resolution versus 40-50% for standard bureau disputes. companies would rather delete the account than have a negative response on their CFPB record
the process:
go to consumerfinance "credit reporting" or "debt collection" depending on your issue
describe the problem in detail. be specific. include dates, account numbers, dollar amounts, and what you've already tried. mention any FCRA or FDCPA violations you've identified. if you sent dispute letters and the bureau failed to investigate properly, say that. if a collector is pursuing time-barred debt, say that. if they can't validate, say that
the CFPB complaint creates three layers of pressure simultaneously:
layer 1: the company's compliance department gets involved (not the call center, not the dispute processing center, the compliance team that reports to the legal department)
layer 2: the response becomes part of the company's permanent public record in the CFPB complaint database (searchable by anyone including the media)
layer 3: if the company's response is inadequate, the CFPB can flag it for enforcement review. companies with patterns of poor complaint responses end up in consent orders and class action settlements worth millions
i file CFPB complaints on every account that survives two rounds of bureau disputes. the success rate on the third attempt via CFPB is absurdly high because the dynamics completely change when a federal regulator is cc'd on the conversation
a guy came to us with a $6,800 collection from a gym membership he cancelled in 2020. the gym sold the account. he disputed through all three bureaus twice. came back "verified" both times. filed CFPB complaint on a friday afternoon. the collection agency contacted him the following wednesday offering to delete the account entirely if he'd withdraw the complaint
$6,800 account. deleted. no payment. because a federal agency was watching
the same collectors who ignore your certified mail and auto-verify your bureau disputes will fold in 48 hours when the CFPB is involved. the power dynamic flips completely
you can file unlimited CFPB complaints. there's no limit. no fee. no attorney needed. you can file against the collector, the original creditor, AND each bureau separately for the same account if they all played a role in the violation
most people have never heard of the CFPB. collectors are counting on that. the bureaus are counting on that. the entire credit reporting industry operates with less accountability than it should because most consumers don't know there's a federal agency specifically designed to pressure these companies on their behalf
now you know the number
we file CFPB complaints and run the full dispute process across bureaus, furnishers, and regulatory channels. if your credit has items that won't come off through normal disputes, link in bio. we use every tool that exists
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I have never once heard anyone call Trevor Megill “gorilla”
FanDuel@FanDuel
Time to freshen up on your MLB nicknames 👀 Which is your favorite? #MLB
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