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2021-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX XXXX, by way of their collection agency XXXX XXXX, is harassing me and damaging my credit by false reporting a delinquency of XXXX USD. I've attempted to dispute this with Experian twice without a fair and honest resolution. Attached is a schedule of the the original invoice, the credit for out of network, and the payments showing a zero balance. This needs to be corrected immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 850XX | null | Consent provided | Web | 2021-06-08 | Closed with non-monetary relief | Yes | null | 4,440,369 |
2021-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report.
XXXX XXXX Santander XXXX XXXX - XXXX applications on same day!
XXXX XXXX XXXX XXXX XXXX XXXX is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report.
XXXX XXXX XXXX XXXX | null | Santander Consumer USA Holdings Inc. | OH | 44313 | null | Consent provided | Web | 2021-08-12 | Closed with explanation | Yes | null | 4,623,461 |
2022-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.
Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX Date opened XX/XX/2015 Balance {$0.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MT | 59102 | null | Consent provided | Web | 2022-08-16 | Closed with non-monetary relief | Yes | null | 5,881,727 |
2020-02-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have tried to address this issue with this company I never heard of called XXXX. They are saying I signed something for them to run my credit on XX/XX/2019.
I have called this company a few times and they had emailed me months back with a report to proof I am me and how if I did that they would remove this hard pull which I sent them my photo id to provide I am who I say I am and that I never authorized anything with there company.
From what there company rep had said this would be removed from my credit report as long as I proved I am me. Which I feel I did. So I am unsure as to why this is still on my credit file. | null | EQUIFAX, INC. | NY | 10305 | null | Consent provided | Web | 2020-02-21 | Closed with explanation | Yes | null | 3,539,264 |
2022-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91307 | null | Consent provided | Web | 2022-01-20 | Closed with non-monetary relief | Yes | null | 5,129,626 |
2022-10-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It appears that my credit file has been compromised. Again, I was going through my records & noticed manyACCOUNTS which do not belong to me. Since Im a stickler for research, I found that under section 605b ofthe FCRA you are required by law to remove & block any ACCOUNTS which are found to be opened due toidentity theft. The dispute ACCOUNTS do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10977 | null | Consent provided | Web | 2022-10-29 | Closed with non-monetary relief | Yes | null | 6,146,134 |
2019-06-05 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | I received a call from XXXX informing me they had detected an application for a credit card with USBANK, and did I authorize this ... I replied NO.
I called USBANK talked with the Fraud dept and was assured the application was cancelled.
Some time later I received a USBANK/XXXX XXXX/XXXX Credit card. I immediately called USBANK and was told the card was in fact NOT Cancelled and was valid.
... BUT ... USBANK would cancel the card immediately.
Today ( XX/XX/2019 ) I received a CC statement with a charge for {$95.00} ( Annual membership fee ). I again called USBANK fraud and transferred several times ending up leaving a message with the Investigative Svcs Dept. No call back as yet. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | IN | 471XX | Older American, Servicemember | Consent provided | Web | 2019-06-10 | Closed with non-monetary relief | Yes | null | 3,265,265 |
2023-08-15 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | Have asked Jefferson capitol for original purchase agreements in writing to be sent to me along with summary of charges. To no avail. Was also never given to opportunity to opt out of any and all communication about this debt! | null | CL Holdings LLC | SC | 295XX | null | Consent provided | Web | 2023-08-15 | Closed with explanation | Yes | null | 7,405,914 |
2021-03-25 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | On XX/XX/XXXX I lost my smartphone. In it I had apps from my bank, my password, users, and the cellphone had no block code. Somebody found my smartphone and made a transfer from " My XXXX XXXX account '' to " XXXX XXXX '' for {$1000.00}. On XX/XX/XXXX I saw this fraudulent transaction and called the bank to stop it, because the transaction still had the pending status. For 3 times, the representative 's bank told me that I need to wait for this to be confirmed to start a claim. On XX/XX/XXXX I started my claim, after 5 days I received a letter where TD Bank request 45 days to investigation and my case may be resolved. The bank sent me a provisional credit until the investigations finished. Until XX/XX/XXXX I did not receive any notification from Td Bank, so I assumed that the case was resolved.
On XX/XX/XXXX I received a letter stating that the case was declined, and the bank was going to reverse my temporal credit by {$1000.00}. The debit happened on XX/XX/XXXX and from here my account was overdrawn, causing me to pay a total of {$280.00} for returns.
Since XX/XX/XXXX that I received the letter, I have called the bank 10 times XXXX minimum ) to claim the decision because it is illegal and it is out of time : The bank requested me 45 days and it expired by XX/XX/XXXX. Now, they said that it is 90 days. They move the date at their convenience. I checked the TD Bank website, and it never says 90 days.
TD Bank in the letter said that the reason for the first decline was because XXXX XXXX told them that the transaction was made from my cell phone. That's true!!. I reported it from the beginning.. I " Lost '' cell phone. They did not give me a valid reason.
Despite this, on XX/XX/XXXX I sent to TD Bank a police report ( because td bank requested it XXXX to solve the case. Additionally, I sent my phone bill, where everybody can verify that on XX/XX/XXXX I had to request a new cell phone due to the loss of the previous one.
As of XX/XX/XXXX when I received the letter, a second case was opened to review the final decision with all the documents that I attached, and today morning ( XX/XX/XXXX ), they tell me that the " XXXX card '' does not authorize the refunds ... I have business with a TD bank account, not with XXXX ... That is not my problem!
I don't know where the protection that TD Bank XXXX to your customers.I have given proof that I lost the cellphone.From the beginning, when the transaction was pending and the problem was little, I called the TD Bank, but the bank let this grow. Not only do I claim my {$1000.00}, but also the reimbursement of the fees caused by the debit of the {$1000.00} made on XX/XX/XXXX ( until today, {$280.00} XXXX.
I have tried 3 weeks to solve with TD Bank, I sent ev | null | TD BANK US HOLDING COMPANY | FL | 33433 | null | Consent provided | Web | 2021-03-25 | Closed with explanation | Yes | null | 4,245,057 |
2020-08-17 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I used my XXXX XXXX Citi Credit Card to purchase airline tickets on XX/XX/XXXX for {$570.00}. This was also my full balance the XX/XX/2020 Stmt. XXXX XXXX cancelled the flight and refunded the {$570.00} for cancelled flights and refunded the {$570.00} to my card on XX/XX/XXXX. The payment for that period was not due until XX/XX/XXXX. This caused my stmt balance to be XXXX and my Citi app said XXXX payment due. Then once my XXXX billing cycle closed my account all of a sudden said 6 days late and {$29.00} late fee. The App said XXXX due and the stmt balance was 100 % credited back for the only items charged. I messaged Citi thru app to discuss. They then started a discussion then went dark on me. So I then called customer service and spoke to a few different people when transferred numerous times. I finally was having a discussion with someone that said they should be able to credit back the fee but system wouldn't let them. They also said no supervisor was around to help me. So today I tried one last time and discussed issue with online rep. XXXX was rep name and she tried to also credit the late fee back due to the reason. She also said she couldn't do it since the system would not let her and she cant override. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 92692 | null | Consent provided | Web | 2020-08-17 | Closed with monetary relief | Yes | null | 3,799,986 |
2022-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | NC | 27610 | null | Consent provided | Web | 2022-12-04 | Closed with explanation | Yes | null | 6,279,088 |
2018-04-04 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | I paid a debt in full to the law offices of Patenaude & Felix on XX/XX/XXXX The case was dismissed on XX/XX/XXXX. On XX/XX/XXXX a process sever went to my fathers house to server a summons. The process sever was told that I live in XXXX. The process server returned 2 days later and again my father told him i live in XXXX. The process server left the summons on the porch. this is 3 weeks after the case was dismissed The process server violated my privacy by leaving the summons with my father at his address in XXXX. The process server made no attempt to contact me by phone or at my home in XXXX. After I picked up the summons from my father 30 miles away in XXXX I called the process server. I asked why am i receiving this when the case was dismissed 3 weeks ago He said that He only received the paperwork about a week ago. This would have been after the case was dismissed. This legal firm and process sever caused my father a great amount off stress becase he did not know why there was a lawsuit for 5 days. It caused me 5 days of anxiety and stress of sending 7 emails to XXXX XXXX before responded to my email. XXXX XXXX has placed 100 % of the blame on the process server. To me it does not matter who is to blame, the process server, the law firm or XXXX XXXX. someone need to pay for violating my rights | null | Patenaude & Felix A Professional Corporation | CA | XXXXX | null | Consent provided | Web | 2018-04-04 | Closed with explanation | Yes | null | 2,863,819 |
2020-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91764 | null | Consent provided | Web | 2020-05-26 | Closed with explanation | Yes | null | 3,668,668 |
2022-07-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Account # XXXX XXXX XXXX 15 USC 1681 Section 602 A States i have the right to privacy 15 U.S.C 1681 Section 604 A Section XXXX It also states a consumer reporting agency can not furnish account without my instructions. | null | EQUIFAX, INC. | FL | 33010 | null | Consent provided | Web | 2022-07-05 | Closed with explanation | Yes | null | 5,738,853 |
2017-10-10 | Student loan | Private student loan | Struggling to repay your loan | Can't get other flexible options for repaying your loan | Throughout the years with all my other loans I have always been able to get Forbearance, Deferment, or Income-Based Repayment ( IBR ) but with the private loans I have to pay and every year the payment goes up ... ... ..I have no other options with the private loans at all ... .I 'm being told private loans have to be paid back and that there are no other options and that there are no loan forgiveness | null | Navient Solutions, LLC. | NC | 28348 | Servicemember | Consent provided | Web | 2017-10-10 | Closed with explanation | Yes | null | 2,698,035 |
2022-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | No way to access credit report or score online without paying ; requested annual credit report and received nothing in the mail. They could be illegally sharing information and not sharing my credit report history with me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95382 | null | Consent provided | Web | 2022-04-14 | Closed with non-monetary relief | Yes | null | 5,446,486 |
2022-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I have sent multiple emails to the CEO of this company informing them that my late payments were due to me being Furloughed from my job back in 2020 due to COVID 19. I have called and spoken with the supervisors to see what can be done. I was inquiring about getting them removed since this was out of my control. The late payments are for XXXX XXXX and XXXX of 2020. I was furloughed in XX/XX/2020. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33617 | null | Consent provided | Web | 2022-01-07 | Closed with non-monetary relief | Yes | null | 5,084,260 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On today, XX/XX/2022, I spoke with a supervisor and a rep at Transunion who advised that I would need to submit another credit reporting dispute in order to receive a proper investigation.
I submitted a CFPB complaint against one main financial for not reporting that I am current to Transunion. On XX/XX/2022, I chose to settle an account with XXXX XXXX. I wanted to settle my account in full with their one month installment option. When I asked how that would reflect on my credit report, they advised that it would show as settled in full with a 90 day delinquency. Because I am currently in the process of buying a home, I told them that I need my account to show as settled in full ( with a payment rating of XXXX ). They advised that in order for my account to show as settled in full current instead of settled in full with a 90 day delinquency, I would need to extend my settlement option to 6 months instead of one lump sum payment. They also advised that once I have paid my first installment, submit a written dispute in order for them to update that my account is XXXX, current. This is unfair and misleading, but because I met with my lender and am trying to close on a home, my hands were tied and I felt pressured to take that option. I submitted the dispute after I made my settlement payment and I received a letter from XXXX on XX/XX/XXXX advising that my account would be updated to reflect current and the first date of delinquency would be removed. On the XXXX of XXXX, I then received notice that my Transunion score dropped because my XXXX account is 120 days delinquent with a past due balance of {$1.00}. I have filed a formal CFPB complaint with XXXX and that number is XXXX.
Today, I contacted XXXX again, and asked what information was sent over on my XXXX XXXX file as well as my AUD to the bureaus. XXXX advised that they will send over another correction to Transunion to fix the error. I was given an AUD control number to give to the bureaus to confirm.
When I spoke with Transunion, they advised that the AUD that was processed on XX/XX/XXXX from XXXX showed a balance of {$2500.00} and that the account is XXXX days delinquent with a past due balance of {$1.00}. The Transunion XXXX then advised that their system of record reflects what XXXX sent over. She refused to search the AUD control number to verify if they received the information. She told me my only option was to dispute over the phone, or mail a dispute with a copy of my attached letter from XXXX. I have already disputed this account weeks ago! It was supposedly resolved by XXXX, but now I am being advised that I need to dispute again for the exact same information in order for them to properly investigate.
When I called XXXX back, they advised that on their end they are showing that Transunion is reflecting that I am 120 days past due with a past due amount of {$1.00}! When I asked what can be done to fix the issue, I was hung up on by a XXXX staff member by the name of XXXX XXXX.
Transunion is refusing to look up the AUD control number to confirm what they have on their system of record. As a borrower who is not being given access to see the AUD, or have the AUD control number verified, how am I being given any reassurance that a proper investigation has taken place? I have my AUD control number and a letter from the creditor saying that my account should be updated to current, but I am receiving no information from Transunion or XXXX regarding the breakdown in communication on their ends. Instead, I am left with an unfair/incorrect past due amount of {$1.00} and a XXXX delinquency. This is preventing me from purchasing my first home. Transunion is advising that my only option is to now wait XXXX days for them to investigate which will hopefully bring my credit score back up.
That means that a debt I have paid on XX/XX/2022 will not be properly updated on my credit report until XX/XX/2022. Both entities are violating my rights as a consumer to have my credit report updated correctly and are ruining my chance of home ownership for my family.
Please keep in mind, my goal was to settle this account in full on XX/XX/2022 but I was advised by XXXX that doing so would still allow them to reflect that I am settled in full with a payment rating of a XXXX means 90 days delinquent. So my only option was to extend the settlement to a 6 month settlement and pay it off in XXXX options so that it would show settled in full with a payment rating of XXXX ( current ) AFTER I submit a written dispute. I believe this is a clear violation of XXXX as these practices are clearly unfair and deceptive. By extending the settlement option to 6 months, that also means that the amount they were willing to settle for increased by almost {$300.00}. Please investigate.
As for Transunion, if you received XXXX AUDs, how are you the only bureau not willing to verify the information given with the AUD control number? If you know that the information appears inaccurate, its your responsibility under the FCRA to not allow erroneous data to reflect on my credit report. My hands are completely tied at this point and I would like for my account to be updated with XXXX, and Transunion immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23323 | null | Consent provided | Web | 2022-03-21 | Closed with non-monetary relief | Yes | null | 5,346,359 |
2020-09-29 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Y'all have stolen from me. All my medical debt was covered by insurance, uet these charges are obviously more than simple insurance adjustments. You are purposely ruining my credit, not to XXXX the call to XXXX where they stated they couldn't find remarks I was looking at on my report. You are thieves! | null | Receivable Solutions, Inc. | SC | 29646 | null | Consent provided | Web | 2020-09-29 | Closed with explanation | Yes | null | 3,870,382 |
2020-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have written to XXXX XXXX about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PR | 00921 | null | Consent provided | Web | 2020-05-18 | Closed with explanation | Yes | null | 3,656,868 |
2020-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I saw a loan open in my credit redit report, with Experian. I disputed it w Experian and sent an email to XXXX XXXX on their website, never heard anything back from the bank and Experian told me it was accurate, never did I receive a loan, one reason I have terrible credit, second reason I am in Arizona n why would I get a bank loan from XXXX, third I've been trying to get approved for even XXXXdollars and still denied. Fourth why do I not have a document concerning that loan, fifth how does Experian know it's accurate was it in my name, my address my account, I've been shown nothing and last why am I pushing this dispute this far? Obviously there is a problem. I never got a copy of the email because it was on their website, I tried looking in my email and the address comes up but says no documents. Strange the address comes up but not the email. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 860XX | null | Consent provided | Web | 2020-06-24 | Closed with explanation | Yes | null | 3,713,069 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Call capital one to inquire regarding the credit cards I also told the agent that I will call back at a later date once Ive made a decision on whether or not I was going to apply for the credit cards five minutes after I hung up the phone I got a notification saying that capital one had made an inquiry regarding my credit which I did not give them permission to do I immediately called them back and told them of the issue they had me to send him a letter with my information and information for my credit report and that was in XXXX on the first XXXX as of today XX/XX/2022 I have still not gotten anything done I am continuously calling them as well as the credit bureaus and has still not been removed from my credit report Im basically getting the runaround from capital one and they are very unprofessional So I was told by the creditors to file a complaint with them because they are not willing to help with this situation even though I immediately informed them of what was going on and I have taken all the steps that theyve asked me to do | null | CAPITAL ONE FINANCIAL CORPORATION | MI | 48228 | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,605,765 |
2020-02-20 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | At XXXX XXXX on XX/XX/2020, I went to a full service TD ATM machine inside a TD Bank at XXXX XXXX XXXX XXXX, XXXX, CT XXXX. I deposited {$200.00} in cash then followed another cash deposit transaction of {$250.00}. However, the ATM machine gave me back {$80.00} and kept my {$170.00}. When I logged into my TD Bank account, I saw that the {$200.00} came through, but the {$170.00} did not and was only showing " XXXX '' instead of " {$170.00} '' I tried calling a TD customer support but could not reach anyone. I preceded to call the XXXX Police Department to inform them of the situation and suspicion of a fraud activity. Officers XXXX and XXXX were at the scene. But informed me I should go to the bank the next day ( XX/XX/2020 ) so that I could talk with someone. I arrived at the bank the next day ( XX/XX/2020 ) and the teller issued me a new debit card but I was unable to retrieve my original ATM card. The teller ( XXXX? I think that'a her name ) filed an ATM dispute and stated that the funds will be issued in " 10 days. '' I have solid proof that I made 2 cash deposit transactions and would like my funds be available at my account, not 10 days.
So at this moment, I still need my {$170.00} back. | null | TD BANK US HOLDING COMPANY | CT | 060XX | null | Consent provided | Web | 2020-02-20 | Closed with monetary relief | Yes | null | 3,537,931 |
2019-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | - We purchased a new home in XX/XX/2019 and moved to a new address.
- in XX/XX/2019 I applied for my third and final student loan for XXXX XXXX ( two previous loans approved. I have high 800 fico score - Student loan declined not for credit, but due to Equifax not finding my credit file -On XX/XX/2019 I was instructed to call Equifax which I did and they informed me that they could not find a file under my name with that social security number or address.They requested me to fax a letter with a copy of my social security card, drivers license, utility bill, -On XX/XX/2019 I faxed all of the above items as well as my old drivers license from my previous address and my new driver 's license from my new address and even sent them a copy of my grant deed on my new home - On XX/XX/2019 Equifax sent me a letter informing me that the fax we sent was illegible and they sent me a list of new items to send them.
_On XX/XX/2019 I made color copies of all of the requested items including a copy of my W2 from work. I also include a copy of a Factual Data report that was run by our home loan lender. This report shows my name however the last four of my social security is incorrect. I pointed this out to them in another detailed letter along with several pieces of documentation per their form letter. I sent this letter via USPS priority mail as I am in need of my third student loan to complete my XXXX XXXX degree.
-On XX/XX/2019 I received another form letter from equifax identical to their XX/XX/2019 letter.
On XX/XX/2019 I ran my own credit report for the 3 major bureaus. I received two of the three reports with my correct personal information except for Equifax that would not provide me a report with the online information I provided.
I am a XXXX XXXX in an XXXX XXXX XXXX as well as going to XXXX XXXX.
I am not a credit seeker and both my husband and me have outstanding credit.
We sent the items as requested by Equifax. We sent more items than they required as well as their own report that shows they have my wrong social security number.
It is unfathomable that this so-called Credit reporting agency can provide accurate reports for me for over 10 years and now all of a sudden they can not find my file, creating a significant problem for me obtaining my student loan. No because of poor credit but due only to their inability to correct my credit report.
-It is noteworthy that all the other credit bureaus list my name as XXXX XXXX XXXX except for Equifax that lists me as XXXX XXXX .
Also noteworthy is that the last 4 digits of social security number Equifax is using is " XXXX '' WHICH IS NOT MY SOCIAL SECURITY NUMBER!
Please help me as I need to register for my next semester and can not due to an Equifax error. This is now compounded due to their terrible customer service and form letters.
Again please help me. I hope that someone is not in the process of stealing my identity! | null | EQUIFAX, INC. | CA | 92211 | null | Consent provided | Web | 2019-06-08 | Closed with non-monetary relief | Yes | null | 3,268,099 |
2022-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | In accordance with the Fair Credit Reporting act, The List of inquiry accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | Experian Information Solutions Inc. | NC | 27610 | null | Consent provided | Web | 2022-12-04 | Closed with explanation | Yes | null | 6,279,087 |
2021-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2021 My credit report XXXX and Equifax refused to block 2 accounts in my credit report i don't recognize as mines, XXXX deleted them but not the other ones I contacted the identity theft website of the FTC i followed all the steps sent letters to the XXXX credit bureau and debt collector ( XXXX XXXX XXXX ) the amount showed is {$4100.00} and XXXX. | null | EQUIFAX, INC. | FL | 32836 | null | Consent provided | Web | 2021-06-01 | Closed with explanation | Yes | null | 4,422,989 |
2022-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with * XXXX XXXX XXXX, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have violated my rights.
XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77449 | null | Consent provided | Web | 2022-08-09 | Closed with non-monetary relief | Yes | null | 5,857,340 |
2016-05-12 | Debt collection | Credit card | Taking/threatening an illegal action | Threatened to sue on too old debt | A company called Zenco Collections contacted my father, a XXXX XXXX, in an attempt to collect on a debt that is over 10 years old. They said they have reduced the debt if he makes two payments of $ XXXX+, the entire amount of his XXXX check and if he didnt pay they were going to refer the case to " XXXX county '', the county where we currently live and threatened to either sue or take him to jail. Out of fear of being arrested, he gave them his bank account number and they sent him an email with a letter for him to e-sign. Fortunately he told me about this before he e-signed and returned the letter, so he has not legally authorized any withdrawals. I then did some research and found that there are complaints with the XXXX regarding threats to others and those complaints went unanswered by the company. When the company called back I told my dad to ask them for a verification letter and a license number. This made the lady VERY angry and she said she was referring this to " XXXX XXXX '' who is apparently the guy in their legal department and she said " good luck to you '' and hung up on him. | Company believes complaint represents an opportunity for improvement to better serve consumers | ZENCO COLLECTION, LLC | PA | 182XX | null | Consent provided | Web | 2016-05-12 | Closed with explanation | Yes | No | 1,922,621 |
2023-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft. | null | EQUIFAX, INC. | GA | 303XX | null | Consent provided | Web | 2023-06-12 | Closed with non-monetary relief | Yes | null | 7,103,805 |
2020-04-22 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | My identity and personal information was stolen without my knowledge and or consent. Accounts were opened and services applied for without my knowledge and or consent. I have notified these companies and tried to resolve the issue with them to no avail. They refuse to close these accounts and remove them from my name and credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08043 | null | Consent provided | Web | 2020-04-22 | Closed with explanation | Yes | null | 3,618,493 |
2021-06-21 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | I received an email via the XXXX app on XX/XX/2021, that I had an important change to my report. I find that Jefferson Capital Syst made a derogatory entry on XX/XX/2021, causing my credit score to decrease substantially. I am U.S. military member. I do not know what company this is, nor have I received any form of communication prior to this entry being made on my credit report. 18 points have dropped from my XXXX credit score and 13 points from my XXXX credit score. | null | CL Holdings LLC | CA | 92596 | Servicemember | Consent provided | Web | 2021-06-21 | Closed with non-monetary relief | Yes | null | 4,476,355 |
2017-09-10 | Credit card or prepaid card | Store credit card | Getting a credit card | Sent card you never applied for | On XXXX XXXX 2017 I went to XXXX XXXX 's website to apply for a XXXX XXXX STORE Credit Card.
I was directed to a application form used for BOTH the STORE Credit Card and XXXX Credit Card.
While terms for both cards are shown, there is no indication on the page that I would not get to pick which card would be opened for me. My intention was to open a STORE credit card and not a XXXX credit card.
Upon submitting the initial application web page a XXXX credit card was immediately opened in my name without being given the option to pick.
I immediately called the company and requested the card be changed to a store credit card. They did so by closing the XXXX account and opening a new STORE account.
In addition to this unwanted kind of credit being issued, this resulted in unnecessary account opens and closures on my credit history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TN | 372XX | null | Consent provided | Web | 2017-09-10 | Closed with non-monetary relief | Yes | null | 2,663,243 |
2019-11-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My XXXX credit score dropped 52 points due to a FALSE report from " Syncb National Credit Cards/Airlines '' as of XXXX. It has been falsely reported with this information XXXX, XXXX and XXXX.
Syncb will not assist to remove or dispute the false report and I find no support from XXXX XXXX either.
Please help me to dispute this and remove all record of this from my credit score as it has been FALSELY reported as of XXXX, XXXX and XXXX. | null | SYNCHRONY FINANCIAL | AZ | 85282 | null | Consent provided | Web | 2019-11-22 | Closed with explanation | Yes | null | 3,446,782 |
2023-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX Balance : $ XXXX XXXX OF XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 21244 | null | Consent provided | Web | 2023-03-21 | Closed with non-monetary relief | Yes | null | 6,724,310 |
2023-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX Via XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1975 SS # : XXXX I am writing to file a formal dispute regarding multiple violations of federal laws related to consumer rights and credit reporting practices. The violations outlined below have significantly impacted my financial well-being, causing undue stress and hardship. I kindly request your intervention to ensure that my rights are enforced and that appropriate corrective actions are taken.
Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX These accounts have been the source of multiple violations of federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Fair and Accurate Credit Transactions Act ( FACTA ). The violations encompass incorrect high balances, inaccurate dates of last activity, reaged accounts, reinsertion without proper notice, undated late payments, charge offs listed as open accounts, and collection accounts with imposed limits.
This situation has not only undermined my financial standing but has also taken an emotional toll on my life. The stress and anxiety caused by these inaccuracies have affected my ability to secure favorable credit terms and have even hindered my job opportunities. For instance, I recently applied for a mortgage to provide stability for my growing family. However, the negative impact of these inaccuracies on my credit report led to the rejection of my mortgage application. This experience has left me feeling helpless and distraught, as I see my dreams slipping away due to circumstances beyond my control.
Therefore, I am earnestly seeking your assistance to ensure that my legal rights are upheld and that these violations are rectified promptly. I kindly request the following actions : Investigate the aforementioned creditors for their violations of federal laws and regulations.
Enforce appropriate penalties and corrective measures to address the violations.
Instruct the creditors to remove these unverified and inaccurate accounts from my credit report.
Provide me with written confirmation of the actions taken in response to my dispute.
I am grateful for your attention to this matter and trust that the Consumer Financial Protection Bureau will diligently uphold the rights and well-being of consumers. Your intervention in this situation would bring much-needed relief to my family and me, allowing us to regain our financial footing and move forward with our goals.
Thank you for your time and consideration.
Sincerely, XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 94580 | null | Consent provided | Web | 2023-08-16 | Closed with explanation | Yes | null | 7,411,000 |
2022-09-06 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I filed a claim with Amex on XX/XX/2022. I found that someone had setup up something called " Send and Split '' with my account, charged my credit card and then set up two fraudulent payments to my XXXX XXXX Checking Account, one for {$200.00} and another for {$740.00}, and then used something titled " Amex Send : Add Money '' to transfer {$1000.00} out of the Amex account. I called Amex, they reset my account password and " opened a claim ''. I asked specifically if this was going to halt the two fraudulent payment attempts for processing and was told that everything from those transactions were stopped. I logged into my XXXX XXXX account today, XX/XX/2022, to see that the two amounts, {$200.00} and {$740.00}, had still been processed to my XXXX XXXX Checking account and were now pending. I attempted to log in to my Amex app and was locked out. I called Amex and was able to reset the account but after spending nearly two and a half hours being transferred back and forth from department to department, verifying my identity every time, explaining the situation every time, and being told they would have to transfer me again and could not assist with the fraudulent payments every time. I asked to speak with managers or someone in charge repeatedly and they just transferred me to and from another department instead. I was told fraudulent payments were different from fraudulent charges, one person said they would not be able to address the payments until the charges were resolved, which could take up to 30 days. Another person couldn't seem to find any notes or filings related to my initial complaint report in regards to the payments or therefore halting them. I asked repeatedly to be transferred to whomever had the ability to reverse the fraudulent payments and put the money back in my checking account. After becoming so frustrated to the point of tears, I hung up and called my bank instead. I still do not have a clear resolution ( or my money back ) as XXXX XXXX says it will take up to 48 hours for them to look into. No one at Amex seems to know what they were doing or even who would actually be able to assist ( I question at this point if that person even exists with in their company ). | null | AMERICAN EXPRESS COMPANY | FL | 328XX | null | Consent provided | Web | 2022-09-06 | Closed with explanation | Yes | null | 5,954,130 |
2022-03-17 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Original creditorEMERGENCY PHYSICIANS OF TIDEWATERAccount # XXXX OpenedXX/XX/XXXXXXXXCREDIT CONTROL CORPAfter viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely, | Company believes it acted appropriately as authorized by contract or law | R & B Corporation of Virginia | VA | 23503 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,334,357 |
2022-09-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60914 | null | Consent provided | Web | 2022-09-05 | Closed with non-monetary relief | Yes | null | 5,947,892 |
2022-09-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I, XXXX XXXX, of XXXX, in XXXX, Connecticut, MAKE OATH AND SAY THAT : XXXX. XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX have willfully repeated to damage my consumer credit year in and out for over XXXX years. They have violated many of my consumer rights as well as federal laws and cfpb laws.
XXXX. XXXX XXXX violated the following Federal laws 12 USC 1431- no bank can loan me anything they are borrowing from me 42 USC 408 -Asking/using my social on any extended credit, pre approval or loans is a federal crime being there is no lawful money.
UCC 3-104 - Willfully and illegally used my negotiable instrument in the extension of credit to be paid to me.
15 USC 1602g - I the consumer am really the creditor! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CT | 06112 | null | Consent provided | Web | 2022-09-16 | Closed with explanation | Yes | null | 5,991,010 |
2022-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I went to get a car and the car dealership said it would only be their one lender and I recieved notification that multiple inquires were added to my consumer report without my authorization.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | OK | 74464 | null | Consent provided | Web | 2022-07-28 | Closed with explanation | Yes | null | 5,816,220 |
2023-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 01841 | null | Consent provided | Web | 2023-07-18 | Closed with non-monetary relief | Yes | null | 7,260,881 |
2021-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you. | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2021-07-27 | Closed with explanation | Yes | null | 4,578,387 |
2018-04-25 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | Applied for the offer that stated earn XXXX XXXX bonus miles when you complete $ XXXX in purchases and also receive a {$100.00} statement credit after making a purchase on XXXX within 30 days or so. I completed all the requirements back in XX/XX/XXXX right before the date to complete the requirements within, i have yet to receive my XXXX miles and my {$100.00} statement credit. I feel i have been a victim of credit fraud where amex simply just lured me to sign up and never delivered the promised. I have immediately stopped using this credit card and will not use it again ever, i have also spread the word among my family and friends to never sign up for XXXX, as they are in shady business. | null | AMERICAN EXPRESS COMPANY | NJ | 088XX | null | Consent provided | Web | 2018-04-25 | Closed with monetary relief | Yes | null | 2,886,909 |
2023-10-28 | Credit card | General-purpose credit card or charge card | Closing your account | Company closed your account | Received a letter on XX/XX/2023 ( dated XX/XX/2023 ) that my credit card was cancelled due to inactivity. I never received a letter, email notice, or notification message in my online account that the account would be closed due to inactivity. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | FL | 326XX | Older American | Consent provided | Web | 2023-10-28 | Closed with explanation | Yes | null | 7,769,898 |
2022-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Multiple Disputes letter sent XXXX XX/XX/2022 Got Update From TRANSUNION XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish 15 USC 1681b. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law.
XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28269 | null | Consent provided | Web | 2022-05-13 | Closed with non-monetary relief | Yes | null | 5,558,857 |
2021-01-10 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | in XXXX my bank of america checking account was hacked and frauded. I was contacted by the bank fraud department and was blamed for the transaction. my account was closed and reported to the checking black list. i now can't get a checking account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MN | 55378 | null | Consent provided | Web | 2021-01-10 | Closed with explanation | Yes | null | 4,058,522 |
2021-09-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | On XX/XX/2021 XXXX received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Transunion received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32803 | null | Consent provided | Web | 2021-09-14 | Closed with explanation | Yes | null | 4,718,150 |
2020-12-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I have a invalid entries that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their negative accounts. I want to know this information because these accounts keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through eOscar. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the XXXX system and their procedures, but decided to call anyway. Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine. I have contact all involved parties the credit bureaus and companies to have accounts removed ; provided proof of payment and payment history. Proof is also attached to this complaint.Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents. been contacting the credit bureaus for 12 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN 45 BUSINESS DAYS!! Bureuas are also disregarding letters received stating that " it appears that letters aren't coming from me '' requesting more identification information which is the information that was including in letter a picture ID, Social Security Card and Utility Bill ; this practice is a stall tact to again not process letters or removing invalidly reporting entries on my credit. I keep getting the same feedback when I am submitting the correct current requested documents. | null | EQUIFAX, INC. | IL | 604XX | null | Consent provided | Web | 2020-12-26 | Closed with explanation | Yes | null | 4,032,223 |
2023-03-06 | Checking or savings account | Checking account | Managing an account | Problem accessing account | XX/XX/XXXX my friend sent me XXXX dollars via cash app ( cashapp to cashapp ) but he sent it to an old account of mine and they are more than unwilling to verify my identity to help me gain access to that account nor will they return the funds I gave them the phone number linked to that account ( I no longer have access to that number ) there is no email linked just a credit card I do not have anymore | null | Block, Inc. | CA | 91786 | null | Consent provided | Web | 2023-03-06 | Closed with explanation | Yes | null | 6,656,874 |
2023-03-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33157 | null | Consent provided | Web | 2023-03-24 | Closed with non-monetary relief | Yes | null | 6,737,160 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.
XXXX XXXX Date Opened XX/XX/11 Balance {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90027 | null | Consent provided | Web | 2023-04-18 | Closed with explanation | Yes | null | 6,854,672 |
2021-06-23 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | XX/XX/XXXX This is a followup to a complaint I submitted in XXXX Complaint # XXXX. The original complaint was completed promptly following an incident where I was the victim of a professional conman. In XXXX, both the CFPB and Bank of America ( the creditor with whom I am having these problems ) declined to resolve my issues and approximately 3 years later this issue is still unresolved. However, there has been a significant development in the case which further proves that I was the victim in this circumstance and that this case ought to be resolved in my favor.
As of XX/XX/XXXX, there has been a development in this case. XXXX XXXX has been convicted of felony theft charges related to this stolen BOA credit card. The original incident occurred on XXXX a man named XXXX XXXX stole my credit card and made 5 unauthorized charges with it. Bank of America denied my fraud coverage despite the evidence that XXXX targeted me as a victim and engaged in criminal behavior with the Bank of America credit card and my XXXX XXXX credit card, and then using my PII he had coerced from me, he interfered with the Bank of America XXXX XXXX and attempted to open fraudulent lines of credit.
The Bank of America charges are as follows : XX/XX/XXXX XXXX. Ref # XXXX {$150.00} XX/XX/XXXX XXXX Ref # XXXX {$48.00} XX/XX/XXXX XXXX Ref # XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX Ref # XXXX {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Ref # XXXX {$48.00} Totaling {$5000.00} Immediately following this event I disputed these unauthorized charges to BOA and for reasons I still dont comprehend, they were denied.
Fortunately, a legal case was brought forth by XXXX XXXX XXXX because XXXX used my Bank of America card to put a down payment on a vehicle and never made any subsequent payments. I am the named victim in this case. The court case is regarding only the charge from XXXX XXXX XXXX because they had the resources to pursue legal action and this evidence ought to be adequate to conclude that all 5 charges were fraudulent. They were made on the same day and there was video evidence from XXXX and XXXX sports provided to BOA by the XXXX NV police department at the time of the original dispute.
Now that a felony conviction has been reached, I expect Bank of America to change their decision regarding these 5 charges, classify them as fraudulent and undo the negative consequences I have incurred on this account due to their original decision to not cover me.
As you can easily reference, this account had XXXX spending activity prior to coming into contact with XXXX. After my fraud disputes were denied I chose to demonstrate goodwill and paid just under {$4000.00} on the account because I was hopeful something could be done legally and I couldnt afford to have my credit ruined in the meantime. Thankfully, now there is evidence that these charges were, in fact, fraudulent.
I was the one who took the {$2000.00} cash advance which he manipulated me into doing. He stole that cash from me as well but its my word against his. I showed good will through making on-time payments to Bank of America all the way up until I began experiencing economic hardship due to coronavirus, due to the loss of my small business and my job.
As you can see on my credit report, I reduced the balance from {$6700.00} in XX/XX/XXXX to {$4500.00} in XX/XX/XXXX by paying a total of {$3800.00}. I more than paid for the {$2000.00} cash advance and {$100.00} transaction fee I took responsibility for and believe I should be refunded the overpayment and all remaining charges need to be removed from the account as XXXX has been convicted guilty in court of using my card without authorization, the defendant not being the cardholder, nor being authorized by the cardholder to use said card or card number.
Bank of America was gracious enough to offer a grace period to defer payments for economic hardship during the pandemic. After the grace period ended though, I couldnt afford to continue paying on the account and it has gone into past due status, nearing collections/charge off. Given Justins recent guilty felony conviction, I expect Bank of America to retract all negative credit reporting that has occurred during this period of me being held responsible for felony degree fraudulent charges that were found in a court of law to be unauthorized.
Sentencing hasnt occurred yet, it is scheduled for XX/XX/XXXX.
I have attached the court documents and feel strongly this information should be more than adequate for Bank of America to change their decision about these 5 charges that I didnt make and resolve the remaining issues once the charges are reversed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CO | 80128 | null | Consent provided | Web | 2021-06-23 | Closed with explanation | No | null | 4,486,061 |
2017-01-19 | Student loan | Federal student loan servicing | Can't repay my loan | Can't get flexible payment options | I need the high interest rates removed and lower payments to bring my loans current | null | Navient Solutions, LLC. | SC | 295XX | null | Consent provided | Web | 2017-01-20 | Closed with explanation | Yes | No | 2,293,410 |
2022-11-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under title 15 U.S.C. 1681 : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX HAVE ALL VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS.
15 U.S.C. 1681 Section 602 A : States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C. 1681C ( a ) ( 5 ) ( 6 ) : Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. | null | EQUIFAX, INC. | NJ | 07753 | Servicemember | Consent provided | Web | 2022-11-22 | Closed with explanation | Yes | null | 6,227,295 |
2022-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacv.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | 30238 | null | Consent provided | Web | 2022-09-10 | Closed with explanation | Yes | null | 5,969,041 |
2023-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08861 | null | Consent provided | Web | 2023-07-13 | Closed with non-monetary relief | Yes | null | 7,245,400 |
2023-04-12 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | Arvest bank denied over 100 transactions made by XXXX from XXXX till XXXX of XXXX. Signature is fraudulent. Charges were made daily. No fraud protection was offered by bank. No contact was made of this suspicious activity. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ARVEST BANK GROUP, INC. | MO | 64801 | null | Consent provided | Web | 2023-04-12 | Closed with explanation | Yes | null | 6,828,615 |
2017-10-25 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued. | null | Diversified Consultants, Inc. | TX | 79936 | null | Consent provided | Web | 2017-10-25 | Closed with non-monetary relief | Yes | null | 2,711,408 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This complaint is to the Credit bureaus. I have disputed this information multiple times with no change. I have sent in my ID Social Security Card as well as police report and XXXX has continuously stalled me. I would like your help in getting this matter investigated and removed immediately. My personal information has been used repeatedly used and my identity is compromised. Please help XXXX is reporting incorrect and fraudulent information in my name which has severly hindered me. I am not responsible for the following accounts.
XXXX XXXX XXXX XX/XX/2020 -This account is ridiculous. There is no payment history and no notes on this account. It just shows a collection which I have no idea came from. I have disputed this account explaining that I have no knowledge of this account. I have asked for proof of my signature when applying for this account. I have had no such luck in fixing this issue.
-XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX I have continuously explained that I have no knowledge of this account. I have never opened this account and I dont understand how it is listed on my report. This account is also fraudulent.
XXXX XXXX XXXX XXXX XXXX XXXX I have never had an account with XXXXXXXX XXXX XXXX I reached out to the company directly to ask for proof and to explain that this is fraud and they were suppose to investigate and remove. It has been years with no change. The account has no history or usage on any devices fraudulently purchased yet I have had no help it removing this information.
XXXX XXXXXXXX bankruptcy XXXX have only filed a XXXX XXXX XXXXankruptcy in the past. Which has already been removed after 7years. I have repeatedly reached out and disputed this information with the credit bureaus as well as the bankruptcy court on how this misunderstanding needs to be fixed and removed immediately.
Thank you | null | EQUIFAX, INC. | GA | 30349 | null | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,050,106 |
2023-07-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I received my credit report on XX/XX/XXXX and notice there were hard inquires that have no permissible purpose to be on here. These hard inquires are hurting me from getting approved. I already reached out to the credit bears multiple times and they keep violating my rights under 15 USC 1681B. I have also attached the hard inquires that don't have purpose to be on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30252 | null | Consent provided | Web | 2023-07-16 | Closed with explanation | Yes | null | 7,259,562 |
2023-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In contempt of my previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to correct the account in my credit file. This is the inaccurate account : XXXX XXXX Balance : {$660.00}. | null | EQUIFAX, INC. | GA | 316XX | null | Consent provided | Web | 2023-07-15 | Closed with explanation | Yes | null | 7,254,718 |
2021-06-21 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Fraud Claim with Bank of America To Whom it may concern, This letter is to address a claims that I have requested for appeal in XX/XX/XXXX. Back in XX/XX/XXXX, I mailed check no. XXXX for {$1200.00} to my landlord. The check was pay to the order of : XXXX XXXX XXXX, {$1200.00}, the amount of my rent with that landlord. This has been the amount beginning in XX/XX/XXXX.
My check no. XXXX, was intercepted by someone who removed the Landlords name and added their name as the recipient of the payment. I did not make the check payable to the person that cashed it. The hand writing on the pay to is not mine handwriting.
For this Check Fraud reason, I originally file a claim with BOF. On XX/XX/XXXX I received a bank transfer from my old BOA bank account ending XXXX, to my new account ending XXXX for the money stolen by the person who deposited and stole my check no. XXXX. At the time I was under the impression that BOA had resolved my problem but on XX/XX/XXXX BOA took back my money.
Check no. XXXX was a personal check with my name and address that I signed and mailed to my Landlord. As per the information provided by the claims fraud specialist in the BOA location at XXXX XXXX XXXX XXXX and XXXX, XXXX XXXX, the check was deposited on a XXXX XXXX by the person who stole my money. That recipient of my money is the person that needs to be investigated for fraud and force to return the money.
Please take in consideration this information regarding my claim with Bank of america, for check fraud. In all fairness and as consumer of a service by BOA for many years, I do not deserve to lose my hard earned money. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 10463 | null | Consent provided | Web | 2021-06-21 | Closed with monetary relief | Yes | null | 4,479,936 |
2023-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/2023, XXXX : I submitted the enclosed disputes regarding my federal student loans through XXXX. The dispute was sent to Experian, XXXX, and XXXX. I have been in the process of purchasing a new home and my loans went through the Fresh Start program. As per the two conversations that I had directly with the Department of Education, I was told that all negative information that was previously reported would be removed. The disputes were specific to each bureau. XXXX decided not to pursue the disputes. Instead, I received a letter dated XX/XX/2023, with contradictory wording. It starts off by stating that after a careful review of my account, a determination was made that no adjustments are needed. The reason provided was because of an incomplete or invalid dispute. This was followed by claiming that under the FCRA a data provider doesnt need to investigate disputes received directly from consumers. For starters, the dispute came directly from the bureaus. Furthermore, the results should have also come back from the three bureaus. That never happened. Just a form letter from someone who didnt take the time to review the disputes.
XXXX, EXPERIAN, & XXXX The attached response from XXXX indicates that you didn't provide the information listed in my individualized dispute sent to all three bureaus. You too share a part in the blame for my credit reporting incorrectly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33801 | null | Consent provided | Web | 2023-07-12 | Closed with explanation | Yes | null | 7,241,261 |
2018-02-27 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | To whom it may concern : I'm writing in to state that the XXXX XXXX XXXX XXXX I was never authorize my signature to sign I was in a XXXX XXXX XXXX marriage.I have tried to contact the Apt . but their Management Personnel has change and they could not give me any info. can you please help me with this.
I never gave authorization to have this XXXX bill I was divorced and I had to leave with a XXXX situation the apartments knew exactly what was going on can you please have them check and resolve this for me.
I've been writing in for years pleading with them and they Under New Management so they have no record of what's going on this should not be on my credit can someone please help me and resolve this thank you.
Here Is My Ex Husband Info that i have XXXX XXXX his name was on the lease.
Please my information disclosed my information of my whereabouts to my ex-husband I was in a XXXX XXXX XXXX relationship and I'm XXXX XXXX XXXX XXXX I just don't want nothing tied with this man at all but I will give you the information to try to track him down so you guys can get what you need from him but please do not include my information or disclose any information where I live to this person.
You Can Contact me At : XXXX XXXX XXXX XXXX | null | RentDebt Automated Collections, LLC | GA | 30106 | null | Consent provided | Web | 2018-02-27 | Closed with explanation | Yes | null | 2,828,073 |
2017-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I visited XXXX to obtain a copy of one credit report. After providing my personal information three times for each of the agencies, I was denied access to my report by all three : XXXX - " We are not able to deliver your free XXXX credit report online '' Transunion - " We are not able to provide you with your online Personal Credit Report since it contains an open dispute currently under investigation. '' XXXX - " A condition exists that prevents XXXX from being able to accept your request at this time '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63139 | null | Consent provided | Web | 2017-08-10 | Closed with explanation | Yes | null | 2,645,494 |
2022-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX - account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) have violated my rights.
15 U.S.C.1681 SECTION 602 A. States I have the right to privacy 15 U..S.C. 1861 SECTION 604 A SECTION 2. It also sates a consumer reporting agency can not furnish an account without my written instructions. | null | EQUIFAX, INC. | CA | 92081 | null | Consent provided | Web | 2022-03-29 | Closed with explanation | Yes | null | 5,380,377 |
2022-11-23 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I filed a dispute with Avant via usps mail for the erroneous purchases. Avant- replied that they did not know which purchases I was disputing even though I included a copy of the statement with the purchases circled.
I filed the same dispute to an email address provided by avant. Avant replied that I should call them.
Upon calling avant I was transferred to XXXX who could not assist further with the dispute. | null | Avant Holding Company, Inc. | GA | 30328 | null | Consent provided | Web | 2022-11-23 | Closed with explanation | Yes | null | 6,239,171 |
2022-08-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below.
Also, I have attached the letter I sent out via USPS and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
Listed Accounts Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX | null | EQUIFAX, INC. | FL | 32824 | null | Consent provided | Web | 2022-08-01 | Closed with explanation | Yes | null | 5,830,021 |
2022-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I found inquiries on my credit that wasn't done by me. PLEASE SEE ATTACHMENT FOR THE LIST OF INQUIRIES TO BE REMOVED. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32301 | null | Consent provided | Web | 2022-07-13 | Closed with non-monetary relief | Yes | null | 5,769,145 |
2019-02-12 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | This company reported to the credit agency that I did not pay the debt. I explained multiple times I was not the responsible party that was financially responsible, even in their validation of debt that the company sent to me. It showed the XXXX XXXX was 100 % responsible and if they took the time to file the claim properly they would have been paid without trying to collecting the debt from me and trying to destroy my credit by reporting to the reporting agency that I did not pay the medical bill.
Recap : The CFPB should protect the consumers from allowing a debt collector to destroy someones credit when the debt was paid in full by the insurance company which is what I have been telling everyone from day one!
Please see attached showing the claim was PAID to the medical doctor in full. All this could have been avoided if they just properly requested payment to the insurance company. THIS COMPANIES LICENSE SHOULD BE REVOKED!
The debt was paid by XXXX XXXX Claim number XXXX Account XXXX | null | ALCHRO INC. | FL | 33179 | null | Consent provided | Web | 2019-02-19 | Closed with explanation | No | null | 3,150,397 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 337XX | null | Consent provided | Web | 2023-02-09 | Closed with non-monetary relief | Yes | null | 6,551,062 |
2020-01-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE. | null | EQUIFAX, INC. | VA | 22193 | null | Consent provided | Web | 2020-01-28 | Closed with explanation | Yes | null | 3,511,728 |
2019-08-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/19 I requested that Equifax investigate the XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/2019. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA | null | EQUIFAX, INC. | LA | 70115 | null | Consent provided | Web | 2019-08-06 | Closed with explanation | Yes | null | 3,330,884 |
2022-10-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am filing a complaint in regard to unauthorized inquiries on my account. I did not receive any money for these inquiries or applied for these services. I recently summited a complaint and it was dismissed. This is me XXXX XXXX XXXX that's filing this report no one else.
XXXX - XXXX SERVICE Inquired on XXXX XXXX, XXXX Business Type XXXX XXXX XXXX Card XXXX.
XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX Inquired on XX/XX/XXXX Business Type : Personal Loans Companies XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and XXXX & XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance, personal XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance other than personal XXXX Inquired XXXX XX/XX/XXXX Business Type : Banks and XXXX & XXXX | null | EQUIFAX, INC. | LA | 70058 | null | Consent provided | Web | 2022-10-30 | Closed with explanation | Yes | null | 6,143,366 |
2022-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Addresses and employers that I have not been associated with and do not recognize need to be removed : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76148 | null | Consent provided | Web | 2022-06-30 | Closed with non-monetary relief | Yes | null | 5,723,616 |
2023-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | IN | 46077 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,695,827 |
2023-02-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked XXXX and Transunion to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to.
Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since XXXX.
XXXX # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91335 | null | Consent provided | Web | 2023-02-02 | Closed with non-monetary relief | Yes | null | 6,531,522 |
2022-12-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX homeless XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX depressed now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63385 | null | Consent provided | Web | 2022-12-12 | Closed with non-monetary relief | Yes | null | 6,310,842 |
2020-09-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with them : # 1. XXXX XXXX XXXX XXXX XXXX- Loan Amount {$560.00}, XX/XX/2020.
# 2. XXXX XXXX -Loan Amount {$420.00},XX/XX/2020. # 3. XXXX XXXX XXXX-Loan Amount {$1300.00}, XX/XX/2020. # 4. XXXX XXXX XXXX- Loan Amount {$0.00} XX/XX/2020# 5. XXXX XXXX XXXX XXXX - Loan Amount {$0.00} XX/XX/2020. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 06606 | null | Consent provided | Web | 2020-09-02 | Closed with explanation | Yes | null | 3,827,017 |
2018-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX defrauded me the case. was filed in the United States District Court XXXX District of XXXX XXXX v. XXXX XXXX & Co.Case number XXXX XXXX. They reported damaging credit from XXXX XXXX on customers like me. They charged me fraudulent settlement fees refused to apply payments when I did not pay settlement and reported late payments and still were until recently. They have not owned my loan since XX/XX/XXXX.I want them removed from my credit report they have harmed me enough. They refused to Allow me to modify my mortgage.when they sold.me to XXXX XXXX XXXX. XXXX XXXX agreed to let me modify my loan and XXXX XXXX forced my mortgage to foreclosure I had to file for bankruptcy because they would not let me modify | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30260 | null | Consent provided | Web | 2018-12-20 | Closed with explanation | Yes | null | 3,105,750 |
2023-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX account XXXX has violated my rights under 15 U.S.C 1681 S602 A : I have the right to privacy 15 U.S.C 1681 S604 A S2 : A consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) : No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 010XX | null | Consent provided | Web | 2023-04-11 | Closed with non-monetary relief | Yes | null | 6,826,668 |
2020-06-13 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/2020 I checked my XXXX credit report and noticed a collection from XXXX XXXX XXXX was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company Dynamic Recovery Solution. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed. | null | Dynamic Recovery Solutions, LLC | FL | 34787 | Servicemember | Consent provided | Web | 2020-06-13 | Closed with non-monetary relief | Yes | null | 3,698,101 |
2021-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have been trying to open business account with my credit union to get my PPP funding and Bank of America has incorrect information reporting to XXXX XXXX as fraud/acct closed/ nothing paid showing to XXXX XXXX. I contacted BOA and there system does not show any of this. BOA says there system shows closed account nothing owed upon closing. They even have record of them sending out XXXX cent refund. They tell me they do not see what XXXX XXXX says is showing and no way for anyone to generate any letter to XXXX XXXX because the system does not show any negative balances due.
Finally talked with risk manager at BOA who said well send in a copy of XXXX XXXX reports and go from there. I tried calling BOA risk/recovery depts for fax or email to send paperwork too and all says fax has to come from institution. I go into BOA location and have them fax. I went into BOA and the reps faxed copy of XXXX balance due paperwork to XXXX XXXX then I asked for them to fax copy to their risk and or reocovery depts to be updated with what is going on as stated in above paragraph.
They proceeded to call the depts to get fax number and both depts gave BOA admin run around like I had been getting back and forth to each dept stating this dept has to handle this, in the end BOA admin had both depts on line together as they spoke and no one had a fax number that paperwork could be sent too. they stated that they were working from home and no fax to give.
one did provide a address for mailing paperwork to Florida ; however, My loan money is being held at another institution I'm at risk of losing my home and need resolution asap before my funds are returned and i can not get another ppp loan and my family and I will be out on the streets.
I am even trying to open business acct with BOA so hopefully they can see their own mistake if they too use XXXX XXXX to determines eligibility of getting business acct opened at this moment I am at a dead end and need help sent out to higher up heads within BOA institution. having trouble getting paperwork to BOA to get XXXX XXXX updated. XXXX XXXX will not remove unless they here from BOA. BOA says nothing to update, yet the consumer is losing due to BOA error Consumer is suffering, Consumer will homeless on the streets of Michigan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MI | 48127 | null | Consent provided | Web | 2021-05-07 | Closed with non-monetary relief | Yes | null | 4,360,196 |
2021-12-28 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | I havent been able to access my Citibank account for 2 weeks before XXXX I got in contact with bank as soon as I realized I couldnt use My card. I spoke with an agent and the representative said my account was under a fraud block and that the account was referred for closure. I was trying to see if I could open a new account to transfer my funds but they said I would have to wait for a letter notice in the mail, and that my check will be disbursed to me within 60 to 90 days of account closure the bank account is still not closed and its blocked I cant get to any of my funds which is exactly {$4200.00} in the account that they wont allow me to withdraw. The dates Ive called are expanded between XX/XX/XXXX and XXXX the days before my account was blocked by the fraud department. They wouldnt allow my to verify my identity because I had to change my phone number 2 weeks before because of personal reasons. They locked my account with no notices or statements regarding the state of my account being blocked at all. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 77060 | null | Consent provided | Web | 2021-12-28 | Closed with monetary relief | Yes | null | 5,046,273 |
2023-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have since then reported these accounts as made my identity theft, along with a identity theft report because I have no knowledge of the accounts. You were made aware of this before and after XX/XX/XXXX with an identity report attached about the following accounts. Consumer Law states that this must be removed in 4 days of notice of identity theft.
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX XXXX XXXX Account Number : XXXX SECTION 605 A 15 U.S. CODE 1681 C-1 and SECTION 605 B 15 U.S. CODE 1681 C-2 support my claim against identity theft while stating : a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} PER violation. I want XXXX per violation of the removal of the accounts. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
If you do not immediately remove this information, I will file a formal complaint with the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77459 | null | Consent provided | Web | 2023-05-22 | Closed with non-monetary relief | Yes | null | 7,013,317 |
2023-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | My complaint for this day is my follow-up to my previous complaint dated XX/XX/XXXX. My previous complaint disputed items are the following : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX I Include these items in my previous complaint, Now I am redisputing them again. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75211 | null | Consent provided | Web | 2023-04-26 | Closed with non-monetary relief | Yes | null | 6,893,271 |
2023-06-21 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I prepaid for a XXXX year membership at XXXX XXXX in XXXX XXXX, Indiana. It was for {$400.00} on XX/XX/2021 on my XXXXXXXX XXXX. I have the bill showing it was paid. Now I get a bill saying I owe money. I've called Aldous and associates who are trying to collect this @ XXXX. They have no information for me and referred me to XXXX. I called XXXX and they said it was sent to debt collection. I asked to speak to a XXXX and they said they can't help me. I was recently hit by the XXXX, In tornado and have been trying to rebuild. My phone was recently replaced but don't recall seeing anything from XXXX about collection.
I checked at the front desk multiple times verifying when my membership was ending. Due to overcrowding of the equipment and people and with how many times things within XXXX was shutdown for repair I decided to go someplace else. Multiple times the movie room was down, pool down, equipment down, tanning down, b- Ball goal bent and nets not replaced, ect... This was a constant issue over past year. I voiced my concerns multiple times as well did others I knew.
I don't know why I'm being charged. My debt was paid in full when I signed up. | null | Aldous & Associates, PLLC | IN | 461XX | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 7,147,958 |
2017-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I am filing complaint against XXXX and TransUnion for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the Court Clerk they do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30044 | null | Consent provided | Web | 2017-05-03 | Closed with explanation | Yes | null | 2,473,314 |
2023-09-07 | Credit reporting or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presun that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 142XX | null | Consent provided | Web | 2023-09-07 | Closed with explanation | Yes | null | 7,507,758 |
2020-08-18 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | Bank of America closed my credit card due to " high balances '' on OTHER credit cards that I have, were their exact words. This happened on XX/XX/XXXX. My wife lost her job in XXXX due to COVID19 an I lost 1 of 2 jobs during COVID19. No phone call or anything. I have ZERO lates on my credit history with this card. The balance on BOA credit card is not even close to the credit limit. Called BOA on this matter and was told there is nothing they can do. Credit history will now be affected. They did not take into account COVID19. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33594 | Servicemember | Consent provided | Web | 2020-08-18 | Closed with explanation | Yes | null | 3,801,640 |
2021-11-22 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Ive been with the the company higher level processing for at least 7 years. I was told when I enrolled that my loan withdrew be forgiven after 5 years in a title 1 school. And yet Im still paying. They constantly change the story and plan even when I dont authorize it. Ive tried to ask to talk to a supervisor and never get to. | null | Higher Level Processing | TX | 754XX | null | Consent provided | Web | 2021-12-08 | Closed with explanation | No | null | 4,933,954 |
2018-08-08 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | i noticed a pass due account on my credit report from XXXX XXXX XXXX XXXX. I called them right a away and explained that i have never ever lived or stayed in NJ and have nothing to do with this, they asked me if i have a girlfriend, i said i have a wife and the lady asked me about my wife name, after i told her, she said " ohhh no it is not her '', but theres nothing that she can do to help me. then i disputed it with XXXX and XXXX XXXX, after couple of Weeks they said that they contacted the company and everything checks out so they updated the file and made it worse. I called and try to explain and they were not very helpful. I also filed a report for identity theft with FTC and submitted it to XXXX. XXXX XXXX XXXX XXXX are the real criminals. | Company believes it acted appropriately as authorized by contract or law | Penn Credit Corporation | IL | 600XX | null | Consent provided | Web | 2018-08-08 | Closed with explanation | Yes | null | 2,985,512 |
2021-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have sent several certified letters to XXXX Credit Reporting company asking for their verification process of Bankruptcies. I provided XXXX with a letter from the US Court Clerk informing me that they do not sell records. I have also placed a freeze on my Lexis/Nexis account. I have received a letter from Lexus/Nexus informing me that they removed my information as well. XXXX refuses to delete this unverifiable information. My next step will be to take legal action.
Chapter XXXX - XX/XX/XXXX Case # XXXX Chapter XXXX - XX/XX/XXXX Case # XXXX | null | LEXISNEXIS | GA | 30281 | Servicemember | Consent provided | Web | 2021-06-25 | Closed with explanation | Yes | null | 4,492,692 |
2023-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Inconsistent reports that never reflect the truth. Dates, amount due, and delinquency constantly changes. My credit score will fluctuate by almost XXXX points in a day. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 077XX | null | Consent provided | Web | 2023-01-06 | Closed with non-monetary relief | Yes | null | 6,407,111 |
2022-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please remove these negative items from my reports it has been months and I have disputed these items multiple times and have not received any notice or anything it has been more then thirty days and I have been harassed from creditors and regards to debts that are inaccurate please look into this matter immediately I have did some research and there are clear violations from the fcra and fdcpa | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21220 | null | Consent provided | Web | 2022-01-07 | Closed with non-monetary relief | Yes | null | 5,078,870 |
2021-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with experian i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have fourteen negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35758 | null | Consent provided | Web | 2021-10-18 | Closed with explanation | Yes | null | 4,819,642 |
2018-05-01 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with fees charged | The car that was allegedly sold to me was repossessed with the Exeter Finance and was not resold. According to Virginia state law once the vehicle has been repossessed, the original creditor may decide to either keep it as compensation for your debt or resell it in a public or private sale. The Exeter Finance decided to keep the car as compensation and therefore I no longer owe the original creditor for the vehicle. If this car was resold proper notices were not given. Under the laws of the State of Virginia UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. State law also requires that the creditor tell you the time and place of the sale so that you can attend and participate in the bidding or If the vehicle will be sold privately, you have a right to know the date of the sale. None of these things have been done or provided by this collection agency to properly validate that this debt is owed.
I want to be provided the following : A proper validation with the signed contract with the original creditor A copy of purchase agreement If there have been any other changes or adjustments since the last billing statement from the Exeter, for them to please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are authorized by the agreement creating the debt and permitted by law in my state.
Provide proof that all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
If the vehicle was sold provide proof with a copy of the required State law notice sent of the amount, time, and place of the sale and If the vehicle was sold privately, provide the proper notice with the amount and date of the sale. | null | Exeter Finance Corp. | VA | XXXXX | null | Consent provided | Web | 2018-05-01 | Closed with explanation | Yes | null | 2,892,210 |
2020-02-17 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | I received this text message from XXXX Delivery Update : XXXX XXXX, Your delivery is scheduled to arrive by XXXX XXXX. Important Documents require signature by an Adult ( 21+ Photo ID ). To stop Msg reply Stop. For help Contact XXXX. Use reference XXXX.This is an attempt to collect a balance. Any information obtained will be used for this purpose. | null | PLDR | IL | 60089 | Older American | Consent provided | Web | 2020-02-20 | Untimely response | No | null | 3,534,587 |
2023-08-17 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 464XX | null | Consent provided | Web | 2023-08-17 | Closed with explanation | Yes | null | 7,419,435 |
2016-05-22 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | A year ago I received a bill from XXXX XXXX XXXX in the amount {$690.00}. I contacted XXXX and was told that this bill was in error and that I do not owe this. I asked how did I get this in the first place and they claimed that originally that I had missed some payments. So I asked to be transfeered to their colllection department just to make sure the that both departments were saying the same thing. We went over the bill for the past 7 months ( the months they claimed I owed ). This is when I was told that I did not owe balance and that they would take care and make it right Last week I received this same bill this time from their in-house collection group. I am furious. | Company believes it acted appropriately as authorized by contract or law | ERC | IL | 60649 | null | Consent provided | Web | 2016-05-22 | Closed with non-monetary relief | Yes | Yes | 1,936,008 |