Complaint Review: Macy’s INC.

I would like to file a lawsuit against Macy’s Department Store if they don’t remove and compensate me for my hardship and a restricted life. Many reasons why. It’s in regards to card at Macy’s with only a mere minimum credit line of $100.00. The account reflects open as of 2005 on my credit report. It currently shows as a closed account with a crazy balance of $948.00! For a 100.00 credit limit? It makes no sense? Anyhow I was 22 at the time and starting my life. Credit was of extreme importance as I needed it for basically everything, it’s our lifeline and says a lot about a person. Anyhow, because of that stupid Macy’s card, it held me back from everything involving credit. I have done disputes for over 10 years with Trans Union and Equifax. I have given every reason in the book even and it always comes back as, “verified as accurate.” If I been disputing for longer than 7 years and a total of 30 payments at 25.00 each when the account wasn’t used? That’s uncanny and whomevers account it is they need there money back because I have no knowledge of such or even got a notice that account was closed or calls or anything which is weird too? I didn’t want to call because every time you talk to them, it remains on your credit another 7 years.

Unfortunately just dealt with having to pay high interest rates and wanted to wait the 7 years to fall off but never did! So now it’s been 14 years and it has depressed me and frustrated me over the course of again, 14 years! This has created and added to major depression and anxiety in which I have proof. Anyhow this only adds to my mental health state. Im going backwards in life now because of this and am 36 now and care about my credit is why I am working to repair it. Credit even affected me getting work. I decided to call and look into it and it looks like a total of 30 payments were made at 25.00 each and I have no knowledge of such and didn’t make sense because credit limit was 100.00! And this is close to $800.00 in payments and it reflects 947.00 closed balance on my credit report which shows 947% credit utilization over that 100.00 limit. I never opened this account and need proof because I have had identity fraud in past which may be on file.

Credit drastically drops because of a 947% credit utilization which shouldn’t happen in first place and shouldn’t go past the 100.00 limit. That’s a discrepancy right there. Anyhow I decided to call and basically -Sorry for the mistake we still gotta send for investigation on Macy’s side and a 60 day waiting period? I been waiting a decade. Please please help me get this removed. During the payment period and the dates of payments I wasn’t even in the country and have proof. I was in London for work during 2014-2016 I also had to endure paying higher interest rates and live in places I didn’t like etc. because of my credit score. Again, I am 36 now and just ready to take action in my life again and just keep being a good person. I want justice even after disputing this so much pain and suffering from this and it has mentally drained me. I thank you for taking the time to read this.

Also I have emails from payments in which it addressed Simin Najibi which is same last name as mine! So that poor lady is probably making payments that are not even applying to her account which ends in 1719 I think and mine supposedly 1790 and can see the tangled webs of craziness and have reached my end of how to deal with this. I even have a dated payment from November 2015 and account shows closed the same month as well. Macy’s seems difficult to deal with and I’m sure other people have the same issues and some just don’t take action. I sincerely thank you for taking the time to read this. I will not stop until they apologize and satisfy what’s fair via monetary relief