Datasets:

aciborowska

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customers-complaints-eval

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2018-09-21

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

I called the XXXX XXXX section of XXXX to book a room regarding my free anniversary night ( see below ). They said they will not honor it now -would only do up to a category 4 hotel ( which does not cover the hotel I chose ) as the program changed. Discussed it with the representative and the supervisor. Says it can't be honored or changed. I earned this free stay, I received the certificate and they should honor it. They said that numerous emails went out the last few months regarding a merger with another hotel chain, but did not specify that our earned certificates would no longer be honored. I believe that if they change the program, then have the certs that were issued after the date ( apparently XX/XX/XXXX ) have the new requirements on it. Happy anniversary! One special benefit of your XXXX XXXX XXXX Credit Card is that you are entitled to a free night at a category 1-5 hotel anywhere in the world for your account anniversary. We thank you for your loyalty. Sign in to your Reward account today to see your free-night certificate XXXX XXXX XXXX. Sincerely, Rewards Credit Card Team Reward Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Description : PREMIER VISA XXXX CAT 1-5 HOTELS Reward certificate number : XXXX Reward code : XXXX Valid at hotel categories : Categories 1-5 Valid for stays through : Thursday, XX/XX/XXXX Certificate deposit date : Tuesday, XX/XX/XXXX Reward Terms & Conditions Anniversary Free Night Stay E-Certificate is valid for hotels in categories 1-5. For participating category 1-5 locations, log on to XXXX or call XXXX. The E-Certificate must be redeemed within 6 months from date of issue. E-Certificates may not be transferred, extended beyond the expiration date, or re-credited for points. To qualify for the Anniversary Free Night Stay E-Certificate, your account must be open and not in default on your account anniversary date. XXXX is not responsible for offer fulfillment. Rewards Account Information -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- --

JPMORGAN CHASE & CO.

CA

92260

Older American

Consent provided

Web

2018-09-21

Closed with explanation

Yes

2022-08-10

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 privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

XXXXX

Consent provided

Web

2022-08-10

Closed with non-monetary relief

Yes

2018-07-30

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 am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. Being that they have gone past 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thank you

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77573

Servicemember

Consent provided

Web

2018-07-30

Closed with explanation

Yes

2023-06-22

Debt collection

Auto debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

I contacted Westlake Portfolio Management on Wednesday XX/XX/2023 to make a arrangement for my monthly payment of of {$500.00} to be paid on Friday XX/XX/2023 and they agreed. On Thursday morning a tow truck came and took my vehicle and I was only a week behind. When I contacted them I was told I had to pay the remaining balance of {$3000.00} to get my car back and the title. They wouldn't even take in consideration that I made a payment arrangement to pay my car note for XXXX on Friday. They dismissed the fact that I'm XXXX and have documentation that I was in the hospital that made me a week behind.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Westlake Services, LLC

SC

291XX

Consent provided

Web

2023-06-22

Closed with explanation

Yes

2020-09-01

Debt collection

I do not know

Communication tactics

You told them to stop contacting you, but they keep trying

Global Trust Management is calling me repeatedly to collect a debt I do not owe. They will not tell me who the debt is from or how much it is. They are asking for personal information ( if I am s senior citizen etc. ) I have told them to stop calling me and that I do not acknowledge any debt they me be calling about. They continue to call using the same tactics, asking for personal information and refusing to answer questions about the debt they are trying to collect. The call always ends the same way. They say that because I am refusing to cooperate they are terminating the call. I check my credit reports regularly and I am not behind on any debt that I have. And do I have any outstanding judgments against me. All of my credit accounts are paid current and I have a higher than average credit score.

Global Trust Management LLC

MI

48911

Servicemember

Consent provided

Web

2020-09-01

Closed with explanation

Yes

2022-09-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11722

Consent provided

Web

2022-09-13

Closed with non-monetary relief

Yes

2023-01-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

78681

Consent provided

Web

2023-01-26

Closed with explanation

Yes

2022-09-03

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 a numerous of occasions, I have disputed a 30-Day late payment for the month of XXXX removed, due to a system error on XXXX XXXX XXXX XXXX XXXX end. Also, I have uploaded supporting documentation to have the XXXX XXXX XXXX XXXX account ending in XXXX updated to have the 30-Day Late Payment removed from the credit file, but XXXX did not remove it, but instead they keep verifying that the information is accurate and it was verified, but they did not verify anything. Please let this be the final dispute documentation to have this account updated immediately to have the 30-Day Late Payment For XXXX to be off of my credit file before I take this to court and sue for damages for violating the FCRA, and violating the 15 USC Section 1681a ( d ) ( 2 ) ( A ) ( i ). Please correct this matter immediately. Thank you in advance.

EQUIFAX, INC.

GA

30909

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2018-02-27

Vehicle loan or lease

Loan

Improper use of your report

Reporting company used your report improperly

On XX/XX/XXXX I contacted XXXX XXXX looking to settle an account that was last reported to my credit bureau XX/XX/XXXX for an auto loan I had got for my girlfriend a few years back. I explained I have been very cooperative, surrendered the car, and also provided all my personal information offering a settlement on the account for {$1000.00}. I was then told the account was with XXXX XXXX XXXX. I spoke with XXXX initially who told me the account was PAID IN FULL. Then after being transferred to XXXX the manager he told me the balance was {$6500.00} which is over {$3000.00} more than what was owed. I explained I was trying to get a home, and this account was affecting my credit. He then said they would settle for {$3000.00}. I told him the most I could do is {$1500.00}. The Next day On XX/XX/XXXX I received a notice from XXXX XXXX that XXXX pulled my XXXX credit bureau after 3 years and reported a new balance of {$4400.00} which dropped my credit score over 55 points which now makes me ineligible for a home loan. I find this to be a very savage business practice especially since I explained to the company that I was trying to get a home loan and wanted to resolve the matter.

Square One Financial, LLC

CO

80220

Consent provided

Web

2018-02-27

Closed with non-monetary relief

No

2022-04-24

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

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

EQUIFAX, INC.

PA

19150

Consent provided

Web

2022-04-24

Closed with explanation

Yes

2017-07-25

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 am disputing the US Bankruptcy Court of XXXX XXXX Court of California with their office and as well as the credit bureaus Equifax, XXXX and XXXX. The 3 major Credit bureaus claim that this is a verified account. And every time I go to ask the court if they have verified this account with the credit bureaus - they never answer my questions as to if they report to the credit bureaus or not. The court claims to dispute this with the credit bureaus and the credit bureau 's claim to dispute this with the courts. But neither one of these companies can tell me who verified this account, how it was verified.

EQUIFAX, INC.

CA

90025

Consent provided

Web

2017-07-25

Closed with explanation

Yes

2023-06-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. The unverified items listed below 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, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below. As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action. I demand the following accounts be verified or removed immediately. 1. there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. 2. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : 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.

TX

77449

Consent provided

Web

2023-06-26

Closed with non-monetary relief

Yes

2022-12-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2022 Amount : {$160.00} Account Type : Collections This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33183

Consent provided

Web

2022-12-28

Closed with explanation

Yes

2023-03-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a Macy 's department store in XXXX, Oklahoma. When I did not receive a bill from Macy 's I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving Macy 's received the check and deposited it. They never credited my account. I spent literally hours on the telephone with Macy 's explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process Macy 's continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from Macy 's with XXXX on XX/XX/XXXX but never received a response from XXXX. I spent nearly an hour on the phone with XXXX today with no benefit other than being cut off after speaking with two representatives. I am am retired XXXX XXXX XXXX XXXX XXXX XXXX. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from Macy 's. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

TX

XXXXX

Older American

Consent provided

Web

2023-05-03

Closed with non-monetary relief

Yes

2023-07-11

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 the accounts below has violated my federally protected consumer rights the privacy and confidentiality under 15 USC 1681. 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

33189

Consent provided

Web

2023-07-11

Closed with non-monetary relief

Yes

2017-10-02

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I was charged interest of {$8.00} because I entered the wrong amount when paying by bill. On a {$1400.00} balance I was short {$2.00}, but I was charged interest on the whole balance of XXXX. Thats a .14 % short, yet I was charged interest on 99.86 % the money that they were already paid. If its such a big deal that they have to charge me interest on that, then they should have contacted me saying the need the {$2.00} more. I contacted them and they said they would credit me, but there is no credit to my account. Two different people said I would be credited back, but its still not showing back on my account.

JPMORGAN CHASE & CO.

CT

060XX

Consent provided

Web

2017-10-02

Closed with monetary relief

Yes

2018-04-25

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Application denied

On XX/XX/2018, my application was denied in violation of XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

NY

14225

Consent provided

Web

2018-04-25

Closed with explanation

Yes

2023-03-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

In XX/XX/2022 last year my student loans were paid off in full as I had them through XXXX XXXX XXXX At that time, I emailed all the credit bureaus and ask them to remove it from my file.. my XXXX were removed and then two weeks ago the first week of XXXX I received an alert that something changed in multiple credit reports. Aidadvantage put on all three credit report that I owe them XXXX However, this is the amount that was written off and I am confused as to why they put this back on my credit report and when I have called them multiple times I have a XXXX balance I do not owe them anything and XXXX customer service representatives have told me that my balance is XXXX. I have faxed them a letter asking them to remove this from all my credit reports and I have called multiple times. I cant log into my account because I have a XXXX balance so Im having to deal with talking to someone and most of them dont even help me at all Because they have put this back on my credit report. It is now hindering me from getting a loan because I stated that all my student loans were paid off and now they put them back on and I dont owe them anything. Customer service is useless. No one returns any call or they say they will email me and they do not and I do not have access to the portal because I have a XXXX balance. I am going round and round constantly with these people asking them to remove it from my credit report because my debt was paid in full as I did public service loan forgiveness and I met my 120 payments with that loan and somehow this company decided to slap it on my credit report that I owe them money and then when I call them, they say you have a XXXX balance with us. I have asked him multiple times to remove it because I do not owe them anything they say I dont owe them anything but Im not getting anywhere and Im asking for some help. XXXX

Maximus Education, LLC dba Aidvantage

TX

774XX

Servicemember

Consent provided

Web

2023-03-18

Closed with explanation

Yes

2023-03-21

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

Equifax, XXXX, XXXX are reporting that I was late in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which is incorrect. On XX/XX/XXXX, a payment was made in the amount of {$1600.00}, confirmation # XXXX, which satisfied XXXX and XXXX statements. The due date is the XXXX of every month, which the XXXX payment 6 days early and XXXX payment was only 25 days late, not 30 days as it is being reported. On XXXX, a {$870.00} payment was made and XX/XX/XXXX there was a {$880.00} payment posted. The due dates on both payments were on the XXXX of the month, which also confirms these payments were made on time. This incorrect reporting is in violation of the FCRA as the payments were made and the proof of this has been provided to the three credit bureaus Equifax, XXXX, and XXXX. The following documentation is provided from the original creditor of the payment and therefore Equifax, XXXX, and XXXX credit reporting agencies are in violation of 15 U.S.C 1681s and 15 U.S.C 1681n as they failed to accurately validate this information. 15 U.S. Code 1681s - Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. Code 1681n - Civil liability for willful noncompliance - 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} Proper evidence has been supplied from XXXX XXXX XXXXXXXX and these credit bureaus continue to display inaccurate information. Please remove these late notifications immediately and send a letter to me confirming the removal. Sincerely, XXXX XXXX

EQUIFAX, INC.

MN

55305

Consent provided

Web

2023-03-21

Closed with explanation

Yes

2023-01-13

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

Chime via XXXX XXXX closed my account on XX/XX/2022 as I was paying for a money order to pay my rent. They closed my credit builder account, savings account, and checking account totaling over {$4700.00}. I received a message stating the account was closed because of a violation of a XXXX XXXX which has yet to be explained. The e-mails state I shouldve received my closure check within 30 days but it has been 77 days and I am still receiving the same automated messages I received on XX/XX/2022. I have provided the correct documents to have my closure check sent to a new address, but there are new representatives sending the same automated emails for the past 48 days. 48 days is closer to 60 days than 30 days. I am getting the runaround as I have provided documents to the links provided by the XXXX XXXX ( most emails have blank links ). The customer service representatives mention they can not help and only the Back Office can assist, but there is no one to talk to. The closure check has not been offered to be sent via XXXX or at all. No associates are helpful via email, over the phone, or through twitter. They are GATEKEEPING {$4700.00} and gaslighting me via email by sending the same automated messages since XX/XX/2022. I have called XXXX times each day for the past 77 days and each representative states to email Chime Support and when I do I receive the same automated emails asking to provide the information I previously sent or telling me my account is closed for violating a Deposit Agreement which is counterproductive seeing that I am seeking my closure check to be sent via UPS ASAP!!! The company has failed to offer humanistic values and is GATEKEEPING {$4700.00} causing evictions and unpaid bills to pile up for the past 77 days. The agents are XXXX and talk in circles. XXXX agent stated that I would not get a check because the account balance was {$0.00} ( which means a check has been made ) but that spreads misinformation. With the foreign status of callers they lie often.

Chime Financial Inc

GA

30339

Consent provided

Web

2023-01-13

Closed with explanation

Yes

2020-07-03

Checking or savings account

Checking account

Managing an account

Problem accessing account

I have an XXXX account and PNC won't allow me to link my checking account and XXXX Account to round up my purchases to use as investments.

PNC Bank N.A.

PA

19401

Consent provided

Web

2020-07-03

Closed with explanation

Yes

2022-12-15

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, my mother was issued an XXXX XXXX via Money Network XXXX XXXX ) for the third economic stimulus payment of {$1400.00}. She had no previous financial relationship with XXXX XXXX or XXXX. She had XXXX XXXX on XX/XX/XXXX, she could not activate the card, and as I was not the cardholder I was not authorized to activate the card, so no one did. As my mother 's heir-at-law, I filed a XXXX tax return for her, but IRS would not issue me the refund, saying the funds had been previously distributed to XXXX. On XX/XX/XXXX, XXXX acknowledged receiving my request to have the funds returned to the US Treasury, and requested various documents like the death certificate and ID. I sent these on XX/XX/XXXX, following up with a phone call on XX/XX/XXXX, where the representative said that he was putting in another request to have the IRS sweep the funds, but that he could not tell me when it would happen. On XX/XX/XXXX I received a reply letter from IRS saying the funds were still at XXXX. I contacted XXXX again and neither the representative nor the supervisor I spoke with would give me a timeframe for when the funds would be returned to the US Treasury. XXXX was also unwilling to send me any written confirmation of the receipt of my request to have the {$1400.00} returned to IRS or that my request was in process.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

FISERV INC.

CA

948XX

Consent provided

Web

2022-12-15

Closed with explanation

Yes

2019-09-21

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

CA

90746

Servicemember

Consent provided

Web

2019-09-21

Closed with explanation

Yes

2023-06-20

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 15 USC 1681. I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX. Account number : XXXX Account name : XXXX, XXXX. Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30088

Consent provided

Web

2023-06-20

Closed with non-monetary relief

Yes

2019-08-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX XXXX # XXXX is reporting as charged off with a balance on my credit. I paid off this full debt years ago and received the title for it. This is an error on their part and I have tried to get them to fix it but to no avail.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

UT

84096

Consent provided

Web

2019-08-01

Closed with explanation

Yes

2023-08-12

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$490.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$5000.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MS

XXXXX

Consent provided

Web

2023-08-12

Closed with non-monetary relief

Yes

2022-05-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Today, I received notification through credit monitoring that XXXX XXXX ( XXXX XXXX XXXX ) reported a balance of {$560.00} on XX/XX/2022. As of XX/XX/2022 according to the statement, the balance that should have been reported to the credit bureaus is {$120.00} This inaccurate reporting has caused my credit score to drop XXXX points as the balance of {$560.00} reported on XX/XX/XXXX exceeds my credit limit on the card. I have previously had an issue with XXXX XXXX ( XXXX XXXX XXXX ) inaccurately reporting to XXXX less than a month ago. This is an ongoing issue as this company is not reporting accurately to the bureaus. I was told by the representative today that they reported on XX/XX/XXXX and gave them the balance that they had. Even if they reported the previous month 's statement balance, the balance on the statement was {$0.00}. When the company was called, I was told I would have to wait until the next month for them to update the account. That is unacceptable when they made the error and caused my score to drop XXXX points. I am currently scheduled to close on a home. I do NOT have another 30 days to wait for XXXX XXXX ( XXXX XXXX XXXX ) to correct their inaccuracy.

EQUIFAX, INC.

SC

291XX

Servicemember

Consent provided

Web

2022-05-14

Closed with explanation

Yes

2020-09-22

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

Good Morning! How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MA

027XX

Consent provided

Web

2020-09-22

Closed with explanation

Yes

2023-10-13

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I am writing to complain about the unfair and inaccurate reporting of my auto loan delinquency on my credit report. I experienced financial hardship during the COVID-19 pandemic, which made it difficult for me to make my loan payments on time. I contacted my lender and explained my situation, but they were not willing to work with me on a payment plan or other accommodations. As a result, I missed several payments between XX/XX/XXXX and XX/XX/XXXX. My loan is now paid off but the delinquency marks remain on my credit report. I have tried to dispute these marks with the credit reporting agencies, but they have not removed them.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CREDIT ACCEPTANCE CORPORATION

OH

431XX

Consent provided

Web

2023-10-13

Closed with explanation

Yes

2019-05-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

My XXXX credit card account is not reporting on my XXXX and XXXX credit report. I have made numerous calls to please have this account report. This account is in excellent standing and last payment made was {$800.00}. Having positive information report will help my credit score. Its been months since I reported this account is not reporting

EQUIFAX, INC.

NY

117XX

Consent provided

Web

2019-05-12

Closed with explanation

Yes

2022-08-08

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

I am not responsible for this debt, nor do I have an agreement with you. In addition, you are not authorized to collect in my state.

EQUIFAX, INC.

PA

19119

Consent provided

Web

2022-08-08

Closed with explanation

Yes

2021-06-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are XXXX accounts on my credit report that do not belong to me I have tried reaching out to the bureaus as well as the furnishers and they are nopt helping me out I need this taken care of asap!!! I need to know who is using my name or opening accounts what is this,. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX - XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXXXXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

EQUIFAX, INC.

FL

33756

Consent provided

Web

2021-06-22

Closed with explanation

Yes

2023-06-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My loans are improperly reported, and reported without my consent. I wish to have them removed since the reporting itself is in direct conflict with the law.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

759XX

Servicemember

Consent provided

Web

2023-06-25

Closed with non-monetary relief

Yes

2020-08-30

Credit card or prepaid card

Government benefit card

Trouble using the card

Trouble using the card to spend money in a store or online

I woke up early on the XXXX of XXXX trying to use my unemployment funds to pay bills and my card declined! Everytime I call the number on the back of the card Im sitting on the phone for hours without talking to customer service!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

U.S. BANCORP

LA

701XX

Consent provided

Web

2020-08-30

Closed with non-monetary relief

Yes

2023-05-18

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

CREDENCE RM XXXXXXXX Current Last Updated : XXXX XXXXXXXX XXXX Account Status Open Account Type Collection Account Payment Status Collection/Chargeoff Section 604 15 U.S Code 1618B Section 605 A 15 U.S Code 1618 C-1 Section 605 B 15 U.S Code 1618 C-2 My rights to privacy have been violated I did not give permission for XXXX to report this debt to my credit report I did not agree to my personal information to be solicited It is illegal to charge or write off a debt as a loss for and seek payment from a tax write off and continue to report collection late payments or any negative debt This is not my debt

Kriya Capital, LLC

NC

28214

Consent provided

Web

2023-05-18

Closed with non-monetary relief

Yes

2019-07-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Ive reached out to Equifax a plethora of times but the situation hasnt been fixed yet. Theres a delinquent account from XXXX XXXX for a total of {$1000.00} still showing on my credit report when Ive never attend this establishment. XXXX removed the fraudulent listing from my report Im just waiting on Equifax to do the same. Its been months

EQUIFAX, INC.

LA

70056

Consent provided

Web

2019-07-23

Closed with explanation

Yes

2016-11-20

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt is not mine

I do n't know why this is on my credit, I have spoke with these people several time. Told them this is not my bill. If this is my bill I need tbe bill with my name on it. XXXX was my treatment, and my signature.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

AL

35020

Consent provided

Web

2016-11-22

Closed with explanation

Yes

No

2022-01-21

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

XXXX XXXX in partnership with Experian and XXXX have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) XXXX XXXX XXXX committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. XXXX XXXX as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

11550

Consent provided

Web

2022-01-21

Closed with non-monetary relief

Yes

2021-05-04

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

Bank of America has charged a overdraft transfer fee twice in one month, with no overdraft. Its my belief that BofA has written code to commit fraud against low income populations, the software they are using is placing debit/hold on funds in accounts in a attempt to cause overdraft charges. My account even with the frozen funds did not overdraft, I was still charged a fee. The representatives attempted to lie and claim that I had over-drafted the account, after realizing that they couldnt explain it both times the representatives admitted my account wasnt over- drafted. I received a refund however my account only has so many courtesy waivers, now if I overdraft I will not be able to get it waived. This was done with software that is probably stealing hundreds of millions of low income dollars. Bank of America has committed fraud against my account twice in one month. The bank has manipulated transactions and balances to cause overdraft fees to occur, this bank is predatory!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

ME

040XX

Consent provided

Web

2021-05-04

Closed with monetary relief

Yes

2019-04-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Public record information inaccurate

I have tried to contact Transunion to regarding this issue : I would like to contest and challenge an item on my credit report. My bankruptcy entry through the credit bureaus has caused much damage to my credit and failed to cover items that were listed in it, including XXXX, XXXX XXXX / XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, as marks against my credit. I hired XXXX XXXX to have these items challenged on XX/XX/XXXX. I had to challenge XXXX XXXX twice and it has finally been removed using XXXX XXXX to dispute it. The bankruptcy was not and has not been reported correctly and there were flaws in the process of creating it to protect me from said creditors. Please remove the bankruptcy from my credit report as it has adversely affected my credit by not reporting items it should have contained. Please reference Part A. Secured Debts ( Section 3 - Debts ) for entries For XXXX XXXX XXXX XXXX, ( Part B. Credit Cards ) for XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX reference # for the Bankruptcy is XXXX, Reported on XXXX, XXXX, XXXX. If you have any questions, please do not hesitate to contact me.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Consent provided

Web

2019-04-10

Closed with explanation

Yes

2020-06-18

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

I have a car loan with Santander consumer usa since XX/XX/XXXX since .. I recently have gone through during the pandemic a hardships and have been late making a few payments

Santander Consumer USA Holdings Inc.

PA

19141

Consent provided

Web

2020-06-18

Closed with explanation

Yes

2023-07-17

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 15 USC 1681. XXXX XXXX XXXX : # XXXX, has violated my 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.

EQUIFAX, INC.

FL

33319

Consent provided

Web

2023-07-17

Closed with explanation

Yes

2022-09-29

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Acct # XXXX has violated my rights XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

347XX

Consent provided

Web

2022-09-29

Closed with non-monetary relief

Yes

2018-12-05

Debt collection

Federal student loan debt

Threatened to contact someone or share information improperly

Contacted your employer

On XX/XX/2018 the aforementioned debt collector called my employer 6 to 7 times during the times of XXXX and XXXX. There have been calls prior to this date. Today XXXX XXXX at approximately XXXX, the debt collection agency was told to stop calling place of employment. I was informed by my employer of this called, and that employment was verified. Debt collector stated otherwise to my husband over the phone.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Navient Solutions, LLC.

NY

10035

Consent provided

Web

2018-12-05

Closed with explanation

Yes

2017-09-07

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

TD BANK ALLOWS TRANSFERS THAT THEY CLAIM ARE IMMEDIATE BUT THEY TAKE THE MONEY OUT OF ONE ACCOUNT THEY APPLY IT TO THE OTHER THEN THEY CLAIM THE TRANSFER MADE THE ACCOUNT OVERDRAWN IF THAT IS THE CASE THEY SHOULDNT ALLOW THE TRANSFER NOT CHARGE {$35.00} FOR A {$10.00} TRANSFER

TD BANK US HOLDING COMPANY

NY

12603

Consent provided

Web

2017-09-07

Closed with monetary relief

Yes

2023-02-04

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

My TD Business bank account was closed in XXXX due to their own random suspicions. I was told I'd get a letter in the mail with a cashiers check. It was never received and I've visited the branch multiple times and have been left hanging. The name of my business, " XXXX XXXX XXXX ". My account was closed with {$22000.00} in it.

TD BANK US HOLDING COMPANY

NJ

07036

Consent provided

Web

2023-02-04

Closed with non-monetary relief

Yes

2022-04-25

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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT ED / XXXX # XXXX DPT / XXXX # XXXX DPT/ XXXX # XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XXXX XXXX XXXX XXXX mi XXXX Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.

MI

48223

Consent provided

Web

2022-04-25

Closed with non-monetary relief

Yes

2017-12-29

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

For the past two years, I have consistently been given incomplete information about the terms and payment method on a {$4000.00} XXXX loan that I received through a financial aid advisor at the University XXXX XXXX - XXXX in XXXX of XXXX. Due to my loan servicer 's mishandling and the actions of staff at XXXX. XXXX, I have missed two payments, and that has unfairly impacted my credit score. When I received the loan, I was never given a hard or digital copy of the terms of it or the name of the company that would be servicing it. I was told I could manage payments on it through the XXXX XXXX XXXX XXXX, which is how I managed my other federal loans. After I received my XXXX XXXX XXXX in XXXX XXXX, I deferred payment on my federal loans as I searched for employment. On XXXX XXXX, XXXX I received an email from XXXX XXXX at XXXX. XXXX 's XXXX XXXX XXXX XXXX, XXXX 's XXXX. The email incorrectly referred to me as XXXX XXXX ( that is not my name ) and informed me a payment on my {$4000.00} XXXX loan was past due. At the time, I was under the impression that the loan had been deferred, along with my other federal student loans and I was frustrated that this was the first time I was receiving a notice via email that a payment was due. XXXX XXXX aplogized for mis-naming me, but told me that my loan servicer on the XXXX loan was XXXX XXXX, and that was different than the company that was servicing my other federal loans, which is XXXX. He said I could n't defer payment. I told him I was frustrated that this was never explained to me when I took out the loan, and I would have never missed the payment had I been informed at the outset, or had I properly received a notice - via email or letter - letting me know when a payment would be due. I paid the past-due balance immediately and I set up a monthly payment plan. For over a year, I 've made monthly payments on time. On XXXX XXXX, I received a notice that XXXX. was changing its loan servicer from XXXX XXXX to Heartland XXXX, and the notice said I was required to create a new account with Heartland XXXX and set up payments through that company. I followed the directions, but Heartland XXXX has not provided me with regular notices of when a payment is due. As a result, I missed one payment, and that impacted my credit score. Heartland XXXX also charges a debit card processing fee that is 3.95 % of my payment amount, plus {$1.00}, for using a debit card to make one-time payments. I believe that is unfair and violates usury laws. I 've been extremely frustrated with the way the loan servicers and XXXX. XXXX have handled this particular loan. Since my other student loans are held by XXXX, I 've seen there are better ways to inform borrowers of the terms of their loans and when payments are due. Their poor business practices have repeatedly caused me unnecessary emotional distress, they have unfairly impacted my XXXX XXXX and they have unfairly charged fees for processing payments. I have copies of all of my email communications with XXXX XXXXXXXX, XXXX and Heartland XXXX and can provide them if requested.

HEARTLAND PAYMENT SYSTEMS INC

CA

94703

Consent provided

Web

2017-12-29

Closed with explanation

Yes

2020-04-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX, Experian and XXXX do not reflect the latest information on my mortgage account with XXXX. All three reflect the last update as of XX/XX/2020.update mortgage account information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

XXXXX

Consent provided

Web

2020-04-14

Closed with non-monetary relief

Yes

2018-01-31

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

I have disputed two charges and Bank of America denied disputes without a valid reason. The dispute for XXXX was unauthorized and Bank of America said they obtained the proof of the sales slip. When I asked to see it ( my signature ) Bank of America was unable to provide the proof to me but still denied the despute. This is a violation of fair credit billing act. The second dispute for XXXX was for XXXX rent a car, same company, for services not rendered ( my car wasnt available for 3 days after it was promised yet the full charge was charged. I provided proof of reservation showing the correct dates, yet Bank of America still didnt do anything )

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

OH

44118

Consent provided

Web

2018-01-31

Closed with monetary relief

Yes

2022-11-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error. My request to block is not being made on the basis of material misrepresentation of fact by me, relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted XXXX XXXX XXXX XXXX in XXXX of XXXX after first being made aware of a fraudulent contract under my name with the company. 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. The dealership informed us that we would not be held liable in any way. A month later my car insurance canceled my policy for not having full coverage insurance on this vehicle. This matter has caused my family so much distress, from having to deal with the police to calling and visiting the dealership for months. I have never owned a vehicle or any property connected to this company! I was told that the company contacted the dealership and entered a lawsuit with them because I did not purchase a vehicle nor did I knowingly enter into any contract with XXXX. None of my proper information was ever verified by XXXX, the company was unsure how I even had a file with them. After contacting XXXX I stopped receiving bills but was unaware that this account was still on my consumer report. I do not or have not owned any material connected to this company in any way. I do not certify the validity of this debt, I have not provided written instruction or otherwise for this debt to be reported to my consumer file. This account appears on my profile as the result of fraud and identity theft.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

296XX

Servicemember

Consent provided

Web

2022-11-29

Closed with non-monetary relief

Yes

2021-04-12

Credit card or prepaid card

Store credit card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I opened a credit card with the purchase of a couch from XXXX. The servicer for the account is Comenity Bank. I have the original credit card agreement which states " Purchases of {$700.00} or more have a promotional period of 12 months deferred interest ''. My purchase was over that amount and I am within the 12 month deferral period. On my XXXX statement, Comenity applied interest charges saying that my deferral period had expired. I did not catch the error until I logged on to pay off the balance on XX/XX/21. I disputed the charges and was denied the dispute because I did not call in within 70 days. I'm unclear about the dispute period since my statement says 60 days and the denial of the dispute says 70 days. They also can not tell me if it's 60 ( or 70 ) days from the day the statement is cut, the statement due date, or some other date. Regardless, if Comenity violates the credit card agreement, there should not be a time period for dispute. By the way, I contacted them 64 days after the payment was due on the applied charges. When I called in to question the decision to deny my dispute, I was told that XXXX is responsible for 'entering in the promotional period ' and there was no way to further dispute the almost {$500.00} of interest applied to my account. Comenity is saying, although I have the original service agreement that states the promotional period is 12 months that since XXXX incorrectly entered it as 6 months that they can not waive the fees. I have called now 3 times. It was not until I pushed for a supervisor that I was told they DID make an error and that they were waiving the interest on my account. As a consumer I expect the credit card company to honor the terms of the credit card agreement. I do not expect to have to call 3 times, file a dispute and escalate to a supervisor for them to honor the agreement. How many consumers are denied fees and interest that are charged in violation of the credit card agreement? I have since cancelled the 3 accounts I have that are serviced by Comenity and will not open any accounts serviced by them in the future.

Bread Financial Holdings, Inc.

OH

43081

Consent provided

Web

2021-04-12

Closed with monetary relief

Yes

2017-06-20

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

This is the second emailed letter to Navient asking for their review and assistance. I recently requested the paperwork showing my signature for the loan consolidation only to show that it was electronically signed ( paper copy given from Navient ). I have been paying this loan consolidation since XXXX/XXXX/XXXX starting amount was {$49000.00} and through payments over the last 9 years I have paid {$40000.00}. Your website says that I still owe at this time XXXX. you will notice from a review of my account that I have paid more that the minimum for years. I am requesting a review of my account as I feel that Navient is not acting in the bounds of federal loan guidelines and will be reporting my case to the US Consumers Financial Protection Bureau as well as other Government agencies for deceptive practices.

Navient Solutions, LLC.

TX

77339

Consent provided

Web

2017-06-20

Closed with explanation

Yes

2018-07-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I currently have loans with Navient totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.

Navient Solutions, LLC.

DE

198XX

Consent provided

Web

2018-07-26

Closed with explanation

Yes

2021-11-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I sent letters to Equifax Credit Bureau from XX/XX/XXXX, and I have not received any response up to this date. On the other hand, the inaccuracies about my account are continuously reported on my Equifax Credit Report. That means Equifax failed to comply with the Fair Credit Reporting Act law which states that the XXXX should provide to the client 's requests. Here is the concerned account : XXXX XXXX XXXX XXXX Balance {$0.00} Opened Date XX/XX/XXXX 2017

EQUIFAX, INC.

PA

19142

Consent provided

Web

2021-11-29

Closed with explanation

Yes

2019-09-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

BMW is reporting incorrectly to XXXX ; XXXX and XXXX a prior delinquency in XX/XX/2017 on the BMW FIN partial account number XXXX. ( Please see page attached from my credit report. ) I make this monthly payment via XXXX XXXX XXXX payment system. I set-up when the payment should be sent and per the customer service agreement, XXXX guarantees payment to be remitted and credited to the account specified in a timely manner. When I was made aware that this payment never reached BMW on or before the due date, I immediately contacted XXXX XXXX XXXX. The representative I spoke with assured me that the payment was sent out and that BMW should have received in on time. Unfortunately, the payment was not sent out timely, which was through no fault of my own, and I was zapped with a late payment. I have an excellent payment history with BMW and respectfully request that BMW contact the ( 3 ) bureaus and have this prior delinquency removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

BMW Financial Services NA, LLC

MI

483XX

Consent provided

Web

2019-09-11

Closed with explanation

Yes

2022-09-17

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

Chase uses an deceptive system of charging interest. When statements come, they have an amount due on the statement. If the amount is paid in full, by that due date, they continue to charge interest so that a person believes they have paid it off but more interest is posted when the next statement comes out. Failure to catch that would result in late fees and additional interest. A reasonable person does not expect to be charged further interest when there is an amount in huge, bold letters on the statement that says it is the amount due.

JPMORGAN CHASE & CO.

WI

546XX

Consent provided

Web

2022-09-17

Closed with explanation

Yes

2020-06-19

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This company refuses to remove fraudulent information on my credit report I submitted my identity reports XXXX XXXX XXXX removed the fraudulent charges except for Experian seems to have a problem with removing the information off my credit report I will also send over proof that the other two Credit bureaus remove those fraudulent accounts except for Experian.z

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

19047

Consent provided

Web

2020-06-19

Closed with explanation

Yes

2023-06-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

As of XX/XX/XXXX, I have noticed fraudulent accounts and inquiries that are holding me back from moving forward with my credit and helping my daughter getting a better school and also a better school District and a house for my daughter and my family due to my credit and my credit profile and was reporting on it and also my consumer reports below is a list of inquiries that must be removed permanently in indefinitely due to the fact, they are fraudulent as of identity theft INQUIRIES LIST 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 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 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. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11553

Consent provided

Web

2023-06-05

Closed with explanation

Yes

2019-08-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The credit bureaus are reporting erroneous information on my credit file and i've been fighting with them for several months.

EQUIFAX, INC.

CA

93612

Consent provided

Web

2019-08-22

Closed with explanation

Yes

2023-08-09

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 the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.

EQUIFAX, INC.

NY

10455

Consent provided

Web

2023-08-09

Closed with non-monetary relief

Yes

2023-08-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

EQUIFAX, INC.

TX

75253

Consent provided

Web

2023-08-28

Closed with explanation

Yes

2022-09-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX COLLECTIONS, XXXX XXXX XXXX, BLOOMINGDALES, XXXX, XXXX, XXXX. Thank you

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

FL

33015

Consent provided

Web

2022-09-27

Closed with non-monetary relief

Yes

2021-07-27

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I recently applied for Public Service Loan Forgiveness and have been employed in the public sector with the same employer for over 10 years. I have always paid my loans via auto-pay through my old servicer, XXXX XXXX. Today ( XX/XX/XXXX ), I was able to see the number of payments that qualified towards the program. For some reason, starting in XXXX FedLoan stopped counting my payments as being qualified to the program. FedLoan stated they will investigate my situation, but it will take 6 months to a year to complete it ( via phone XX/XX/XXXX ). I contacted my old servicer and they indicated I made no late payments ( via phone XX/XX/XXXX ). I also have autopay records going back to my first payment. FedLoan has announced they will stop being a servicer before the early end of that time frame quoted for their investigation, so I am stuck in a long-term limbo.

AES/PHEAA

IN

47404

Consent provided

Web

2021-07-27

Closed with non-monetary relief

Yes

2020-09-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I need my Equifax freeze lifted and called, tried to log in and all I get is that it can't be done, my information is incorrect. If finally got a person who said to mail a letter and my social security card and drivers license to Equifax and they would send a password that should arrive five days later. I sent that XX/XX/XXXX. I sent another letter XX/XX/XXXX to say I have gotten nothing. I've been calling since XX/XX/XXXX or XXXX and got the run around from one computer to another for days just to finally get a person. I don't get it that someone in another country can hack my credit card within days that I activate it, but Equifax won't give me access to my account to lift the freeze long enough to get a credit card from someone other than Mastercard which seems to be on hackers radar. If you can't help, I'm used to that. But please, someone have some compassion and get through to Equifax if you can.

EQUIFAX, INC.

MD

21740

Consent provided

Web

2020-09-24

Closed with explanation

Yes

2018-07-24

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

On XX/XX/XXXX, I got a past due notice for a bill I never got. I sent the payment that day for the actual charges but the late fee needs to be removed immediately! My coworkers who were traveling with me said their bills weren't even due until XX/XX/XXXX, the day I got my past due notice. This is clearly a SCAM and is completely unacceptable!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

VA

22153

Consent provided

Web

2018-07-24

Closed with explanation

Yes

2021-07-29

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

On Monday, XX/XX/XXXX Ally Auto Finance received my payoff for my XXXX XXXX XXXX & as of todays date there is still an outstanding & open loan. The last 2 days I've called Ally Auto and spoken to their offshore representatives that displayed no interest in my concern & denied my request to speak to a Supervisor. On XX/XX/XXXX I spoke to XXXX from the Consumer Solutions & she was unable to confirm that the payment processing center is processing my payment. Furthermore, I was advised it could take 7-10 business days to process which is UNACCEPTABLE for it to take that long. I'm trying to purchase a home & I need to provide proof that this vehicle loan to Ally was paid off. Everyday that my account remains open I get a daily interest charge of {$8.00}. XXXX tracking # XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

ALLY FINANCIAL INC.

MT

595XX

Servicemember

Consent provided

Web

2021-07-29

Closed with explanation

Yes

2020-08-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

I am trying to refinance my house. I have a credit freeze. Experian has inaccurate information about me ; I believe it may be they are using a previous address as my current one. This happened before and I submitted documentation to get corrected. Now years later I am still having problems. I have tried to call, but get caught in a computer circle from XXXX and can not reach a live person to understand how to get this corrected. THEY XXXX IT UP AND NOW I CAN NOT GET MY HOUSE REFINANCED. I can not get it corrected because I have no idea what is wrong. I have requested a credit report, but again, when I fill out the form it doesn't match their incorrect info and I can not get a copy -- - I DONT KNOW WHAT IS INACCURATE

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

60047

Servicemember

Consent provided

Web

2020-08-11

Closed with explanation

Yes

2020-12-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I contacted Ally Financial to try to get more information as to why I was reported late XX/XX/2017 and XX/XX/2017 and they couldn't locate my account with my social, account number or address. I requested payment history which I haven't received and I disputed these lates. According to the rep she was able to request the dispute and payment history but coulnd't locate my account which makes no sense at all. I have been very responsible paying this account as well as all of my other accounts and these lates are reporting incorrectly, they're unverified and they are ruinning my credit. I am trying to refinance my home to get an affordable payment in this pandemic and these lates are preventing me from saving my home. This is against FCRA laws and against my consumer rights.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

ALLY FINANCIAL INC.

CA

928XX

Consent provided

Web

2020-12-17

Closed with explanation

Yes

2023-03-20

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 listed account below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. This account below has fallen off twice due to the statute of limitations being this account is more than XXXX years old. Arizonas statute of limitations for debt is only XXXX years. The credit bureaus has allowed the collection agency to refurnish this account twice back to my credit report. This is a direct violation of my consumer reporting rights along with multiple other violations pursuant to 15 USC 1681. I demand this account be removed and deleted from my credit report immediately. Account name : XXXX XXXX XXXX Account number : # XXXX

EQUIFAX, INC.

AZ

85296

Consent provided

Web

2023-03-20

Closed with explanation

Yes

2023-07-04

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I pulled my credit report and noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : I am entitled to complete and accurate credit history ; this is missing account information so please remove it. I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed. CREDITOR BUSINESS TYPE INQUIRY DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76137

Consent provided

Web

2023-07-04

Closed with non-monetary relief

Yes

2021-04-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Company is reporting public records as " verified and accurate '' on my credit report saying they obtained information and records were verified by a third party company " XXXX '' as of XX/XX/2021 but XXXX sent a letter of not being able to vwrify these records as of XX/XX/2021 these records have been deleted from my XXXX report. so your company is completely lieing about the information being verified and accuratre according to XXXX! The letter from XXXX clearly says the bankrupticies have been removed from my report. I am demanding these records be removed from your company ASAP.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

60620

Consent provided

Web

2021-04-14

Closed with explanation

Yes

2018-03-01

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've attempted multiple times since XX/XX/2017 to remove the remarks that my account for XXXX XXXX which has a credit limit of {$15000.00} is Closed. This account is open and active and I've disputed it multiple times. XXXX and TransUnion have gone back and forth. I've received updated credit reports where it'll reflect that the problem has been fixed and the report will show the account is Open and on a following update, the account again gets placed on a Closed status. This is affecting my Length of Credit history as I've had both of these accounts for a long time.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60504

Consent provided

Web

2018-03-01

Closed with explanation

Yes

2022-07-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IN

46901

Consent provided

Web

2022-07-18

Closed with non-monetary relief

Yes

2023-05-18

Checking or savings account

Checking account

Opening an account

Account opened as a result of fraud

On XX/XX/2023 at XXXX I received an email stating that my new account at Frost Bank was open. I did not and have never opened an account at Frost Bank. This is the second time it has been open. There was another account opened online at Frost bank on XX/XX/2023. They have been closed and reported.

CULLEN/FROST BANKERS, INC.

TX

78154

Consent provided

Web

2023-05-19

Closed with explanation

Yes

2022-12-11

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I am a XXXX XXXX XXXXXXXX that has been living in the Philippines since 2006 and Citizens Business Bank knows this, and they have been sending me my ATM Card every 3 years so I can withdraw funds to live on, but recently they were very, very slow in renewing my ATM Card as it took 2 months to receive. During the first 3 calls to XXXX XXXX I was told the card had been sent but on the 4th call I was told they would NOT be sending a ATM Card after all. I was furious as I was LIED to and we were/are desperately in need of funds for food and to keep the lights on but XXXX did not and does not care!! I have been their customer for 34 years ( some of those years while the bank had another name ) and I was deeply hurt... more like crushed to be treated so unprofessionally. I finally received the ATM Card and called to activate same and was seemingly successful only to discover the ATM Card didn't work while attempting to use it on multiple occasions. I called the ATM / Debit Card Hotline for help and they could help me because they said my records where not " up to date. '' They wanted to send me a verification code to an old cellphone number that I no longer use. I was stuck and locked out AGAIN, so remain so to this very day. I suggested that they send to code to my e-mail address which they have on file and the one I use for verification and bank account login but they said it was the wrong e-mail address ... which is crazy because it's the same e-mail address that " again '' the send me regular emails too. Bottom line is we need funds and we need funds NOW!! XXXX is even blocking the use of my Online XXXX XXXX Account which I have used several times before due to the late arrival of previous ATM Cards. Thus, they have completely shut me down in every way ( at this time ) to access funds and they are heartless and don't care!! They have said they would snail mail me " checks '' so I could open a local bank account and deposit said check but that process will take about 2 months as there is a month hold on a foreign check here until it clears. This is a Total Nightmare and I need HELP Immediately!! Thanks in advance ... as I quote : XXXX, XXXX XXXX To : XXXX ' Cc : # XXXX Wed, XX/XX/XXXX at XXXX AM Good Afternoon XXXX XXXX It seems we will be able to send you checks the cost will be {$59.00} as the shipping is extra to go out of the country. Please confirm the mailing address. We currently show : XXXX XXXX XXXX XXXX XXXX XXXX Is this correct? XXXX XXXX is not an option with Citizens Business Bank. Thank you, XXXX XXXX | Service Support XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX P XXXX | F XXXX XXXX XXXX

CVB FINANCIAL CORP.

XXXXX

Older American

Consent provided

Web

2022-12-11

Closed with explanation

Yes

2023-01-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 2. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 6. XXXXXXXX XXXX XXXXXXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 7. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 8. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Georgia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX XXXXC : Federal Trade Commission CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Division of consumer complaints Thank You, SincerelyXXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30126

Consent provided

Web

2023-01-24

Closed with explanation

Yes

2022-09-16

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 a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. I need the following items removed from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXXXXXX Balance {$7.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX Balance {$0.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

XXXXX

Consent provided

Web

2022-09-16

Closed with non-monetary relief

Yes

2021-07-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report and to this day 35 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so they should be deleted promptly. Pursuant to 15 USC 1681B ( 2 ) they didn't even have permissible purpose to furnish such information in first place. I NEVER GAVE THEM ANY WRITTEN CONSENT. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

TX

77388

Consent provided

Web

2021-07-12

Closed with explanation

Yes

2017-09-18

Credit card or prepaid card

General-purpose prepaid card

Trouble using the card

Trouble using the card to spend money in a store or online

I opened up a new account at Webster Bank and met the requirements to receive a XXXX prepaid XXXX debit card. I received the debit card in the mail but did not notice that it was valid for only 90 days and would expire at the end of XX/XX/2016. The card does have " good thru XX/XX/16 '' printed on it but I did n't notice that. I 'm not used to gift cards that expire that quickly. The paper that came with the card, which I will attach to this complaint, explains that the card needs to be activated but does not say anything about the card expiring, and then having no funds. Even the back side only states, " PLEASE use before valid thru date imprinted on the card. '' I think it 's unfair that the consequence of not using the card by XX/XX/XXXX was n't made clear on the paperwork that came with the card. If that had been clearly stated on the letter I would have known that I had to use the card within the 90 days or loose all the funds. I went into the Webster Bank at XXXX XXXX XXXX in XXXX several weeks ago. The manager was going to check about getting the card replaced. I never heard anything.

WEBSTER BANK, NATIONAL ASSOCIATION

MA

02184

Consent provided

Web

2017-09-18

Closed with monetary relief

Yes

2023-09-08

Credit card

General-purpose credit card or charge card

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

32808

Consent provided

Web

2023-09-08

Closed with explanation

Yes

2023-05-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94585

Consent provided

Web

2023-05-05

Closed with non-monetary relief

Yes

2018-10-08

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

This is related to complaint XXXX. Outline of events : Nobody contacted me so I called this morning. I was transferred between the escalation team and XXXX XXXX but nobody did anything except : XXXX XXXX transfered me to supervisor XXXX who wanted to transfer me to XXXX XXXX. I told him I already went that rout and they could not help me. He transferred me anyway and hung up, and I never got to anyone. Called back, spoke with XXXX - to supervisor XXXX and to manager XXXX. Nobody was able to help me with anything. XXXX hung up on me after I insisted that this has to be fixed. Called back and spoke with XXXX who transferred me to XXXX. She informed me that a freeze was put on the account when the first Consumer complaint arrived. THIS WAS NOT AUTHORIZED ME BE AND IS FRAUDULENT BEHAVIOR ON THEIR PART. My complaint CLEARLY stated that I wanted to do this on self serve as I don't want to have to call in to freeze/unfreeze the account. XXXX refused to name the person who broke the law but the Conf # is XXXX. She unfroze it at my insistence on conf # XXXX since it was illegally frozen in lieu of actually fixing the problem. XXXX told me that this will probably never be fixed and that I will probably have to call in for freezes or unfreezes. This is not acceptable. On their website ( the one I can't log into ) there was a link that was to advise if your data was part of the most recent breach, and mine was. All the more reason why they MUST fix this account so that I can freeze my account. If I had my way this company should be out of business, and the people mentioned above should all be fired.

EQUIFAX, INC.

FL

XXXXX

Older American

Consent provided

Web

2018-10-08

Closed with explanation

Yes

2020-10-29

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Beginning inXX/XX/XXXXI moved into XXXX XXXX XXXX, XXXX XXXX, Al XXXX. It was a home that I rented along with XXXX XXXX. My daughter was also there. We rented this home through XXXX XXXX XXXX. While I was there the rent was paid and all utilities including rental insurance was paid, nothing was behind. On XX/XX/XXXX XXXX XXXX XXXX XXXX me by XXXX and he also snatched the phone out of my little girls hands who had dialed 911. He hung up and the phone from her. He continued to XXXX XXXX me. After the cops were called and I spoke with the magistrate of the city of XXXX XXXX and made out a report. I was informed by police that XXXX XXXX wanted to remain in the house. XXXX XXXX XXXX also called and informed me that he wanted to remain at the residence. So I moved all of me and my daughters things out and I had to find another place to reside. Because of the XXXX he subjected us to that night, we could no longer stay there because it was XXXX. He couldve XXXX XXXX. No one at XXXX XXXX XXXX cared. And they also let him reside at the house when he was suppose to provide proof of income to get my name off of lease, they also let him reside there and he did not have any rental insurance, and having insurance was a stipulation of the lease. Also providing his proof of income so my name could be removed was a condition of the lease and he failed to do both. I have proof because I have emails, voice messages, and recorded phone calls from XXXX XXXX XXXX. He stayed at the residence from XX/XX/XXXX til XX/XX/XXXX. I have proof of this. The debt owed is his because he resided there and he made was violent and assaulted me. I have talked to several people at XXXX XXXX XXXX and also Hunter Warfield. They showed no concerned. XXXX XXXX XXXX didnt make him do what he was suppose so my name would could be removed from the lease. Im not going to pay for a place I was not staying. I had to pay for a safe place for me and my child. Hunter warfield needs and XXXX XXXX XXXX need to hold the right person responsible which is XXXX XXXX. I have attached several emails after I left the residence that show only XXXX XXXX is responsible. He did not pay rent for where he stayed.

HW Holding, Inc

AL

351XX

Consent provided

Web

2020-10-29

Closed with non-monetary relief

Yes

2023-05-18

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 15 USC 1681. XXXX / XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX Account Number XXXX ; DEPT OF ED/XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX XXXX Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX Account XXXX XXXX ; US DEPT OF EDUCATION Account Number XXXX ; XXXX XXXXXXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX ; XXXXXXXX XXXX XXXX XXXX Account Number XXXX ; XXXX XXXX XXXX Account Number XXXX has violated my 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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.

Experian Information Solutions Inc.

VA

23222

Consent provided

Web

2023-05-18

Closed with explanation

Yes

2022-08-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXXXXXX XXXX XXXX am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$12000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28269

Consent provided

Web

2022-08-20

Closed with non-monetary relief

Yes

2023-06-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Credit monitoring or identity theft protection services

Didn't receive services that were advertised

On XX/XX/2023, I initiated complaint # XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, the XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter confirming that the hard inquiry was not initiated by me. They stated that they would send this confirmation to the Equifax credit bureau and requested me to wait for up to 30 days. As of XX/XX/2023, the hard inquiry still appeared on my Equifax report. I contacted the XXXX XXXX XXXX XXXX XXXX to verify if they had sent the confirmation to Equifax. On XX/XX/2023, an associate from XXXXXXXX XXXX contacted me by phone and confirmed that the request to remove the hard inquiry had been sent to Equifax in XX/XX/2023. On XX/XX/2023, I initiated a dispute regarding the hard inquiry with Equifax. However, as a result of the dispute, I received a message instructing me to contact the agency that initiated the hard inquiry and ask them to report the changes to Equifax. This seems to be an infinite loop, suggesting that either one of the mentioned institutions did not send a confirmation or did not accept it.

EQUIFAX, INC.

FL

326XX

Consent provided

Web

2023-06-20

Closed with explanation

Yes

2016-08-10

Debt collection

Other (i.e. phone, health club, etc.)

Cont'd attempts collect debt not owed

Debt was paid

This is a XXXX account that was paid. Upon initial service they installed a defective channel box that was not compatible with my broadband internet service. About a week later the technician came out and replaced the defective box with a new one and he took the defective box with him. A couple days later I received a XXXX box with a shipping label. I called them and they told me to send the channel box back to them and I told them I was a new customer. They then billed me for the defective box. I made many attempts to settle the situation with no success. I notified them that they were in default of contract and I terminated service and then sent the remaining channel box and all equipment back to them. I have all the documentation to verify my statements are true and correct. You may reach me at XXXX direct or XXXX office or XXXX.

The CBE Group, Inc.

CO

XXXXX

Consent provided

Web

2016-08-10

Closed with explanation

Yes

No

2022-10-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XX/XX/2022.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

75044

Consent provided

Web

2022-10-24

Closed with non-monetary relief

Yes

2023-06-05

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Application denied

In my XXXX account - I was a message that I am pre-approved for Citi Rewards Card. Thus I applied. Even after having a credit score of XXXX, I was rejected. Reason provided- too many inquiries during last 12 months and some other reasons. Why Citi offering pre-approved cards via XXXX and later rejecting?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

TX

XXXXX

Consent provided

Web

2023-06-05

Closed with explanation

Yes

2023-07-31

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Representative acknowledged they has the wrong contact information -except email-which was how the individual was initially contacted back when account was sent to RDAC. RDAC sent account to credit report without notifying intent to do so per federal law of a 14 day notice which requires a debt collecter to speak to individual directly, send electronic communications, or mail individual notice. Even after, individual reached out to company multiple times to reset password to portal-without willingness to do so. RDAC did not up date phone number, which changed later part of XXXX, or mailing address when requested. Account is current and would like the account removed from credit report due to violation of federal law credit reporting requirements.

RentDebt Automated Collections, LLC

TN

37129

Consent provided

Web

2023-07-31

Closed with explanation

Yes

2022-06-11

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

on XX/XX/XXXX I signed a lease with XXXXXXXX XXXX XXXX for 52 weeks set to end XX/XX/XXXX at the amount {$210.00} a week. I paid a deposit of {$210.00}. On XX/XX/XXXX I advised the owner that I would be terminating the lease on XX/XX/XXXX. The owner advised me that I would have to pay until he finds someone to lease the space. On XX/XX/XXXX the owner took a unauthorized payment of {$210.00} out of my bank account. I advised him to reverse the payment as he had a new tenant and my obligation had been met. He refused so I had the payment reversed by my bank. Her advised me that he signed a new tenant to the space on XX/XX/XXXX so I owed him one week still. Because I paid a deposit in the amount of {$210.00} that amount would be eligible to cover the stated week per my lease. The owner threaten me that if I had the payment of {$210.00} reversed he would come after me for {$4000.00}, even though he already had someone in the space. The owner then sent my account for collections without even sending me anything stating what debt was owed and why. I advised the debt collection agency and they disregarded my emails and phone calls showing proof that I did not owe the debt and placed the account on my credit report for the amount {$2700.00}. He submitted false payment records to the credit collection agency and intentionally misrepresented my payment history. My last payment was XX/XX/XXXX ( which was reversed ). However he reported that my last payment was XX/XX/XXXX because the new tenant that signed the lease with him left the space in a few weeks he is now trying to come after me for the remaining balance of the lease that was broken by the new tenant. I have payment history from my bank and email communications with the owner and the credit collection agency for proof of all of this.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Southwest Recovery Services, Inc.

TX

XXXXX

Consent provided

Web

2022-06-11

Closed with explanation

Yes

2021-02-15

Debt collection

Payday loan debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/2020 I sent a letter to Collins Asset Group requesting for validation for debt they say I owe so things could be handle and I can improve my credit. Its been almost a year and I have received any letters or none of my phone calls have been returned. This has been a negative impact on my credit report and has stressed me out because my wife wants me to use my VA loan for a house.

Collins & Hilton Asset Group, LLC

NC

28451

Servicemember

Consent provided

Web

2021-02-15

Closed with explanation

Yes

2022-04-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32207

Consent provided

Web

2022-04-04

Closed with non-monetary relief

Yes

2023-05-22

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I dont know why they call 10 15 times a day. I have never bought anything from this company

Conn's, Inc.

TX

789XX

Older American, Servicemember

Consent provided

Web

2023-06-22

Closed with explanation

Yes

2021-03-10

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX should not be reporting to XXXX ; Experian and XXXX that I am ( 90-120 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

WA

98030

Consent provided

Web

2021-03-10

Closed with explanation

Yes

2017-05-27

Debt collection

Other debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

This is bill os for XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action. XXXX removed from credit file company name : Sources XXXX removed XXXX XXXX XXXX removed XXXX XXXX , XXXX XXXX versified XXXX XXXX , XXXX Thank you in advanced

ERC

FL

33145

Consent provided

Web

2017-05-27

Closed with explanation

Yes

2023-01-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account TOYOTA MOTOR XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. TOYOTA MOTOR XXXX XXXXXXXX Open Date XX/XX/2013 Balance : {$8700.00}

TOYOTA MOTOR CREDIT CORPORATION

CA

92647

Consent provided

Web

2023-02-01

Closed with explanation

Yes

2023-06-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30034

Consent provided

Web

2023-06-09

Closed with explanation

Yes

2022-11-25

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company believes it acted appropriately as authorized by contract or law

AmeriCollect

OH

43207

Consent provided

Web

2022-11-25

Closed with explanation

Yes