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2021-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously | null | EQUIFAX, INC. | IL | 60443 | null | Consent provided | Web | 2021-01-18 | Closed with explanation | Yes | null | 4,076,708 |
2019-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off on the XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently. I have attached a copy of the police report filed on XX/XX/2018. This false reporting of a collection/charge-off that does not belong to me is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. | null | EQUIFAX, INC. | FL | 33908 | null | Consent provided | Web | 2019-12-04 | Closed with non-monetary relief | Yes | null | 3,457,701 |
2023-09-27 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 705XX | null | Consent provided | Web | 2023-09-27 | Closed with non-monetary relief | Yes | null | 7,614,776 |
2022-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.
XXXXXXXX Account # XXXX, Acoount # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # 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 accounts 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. | IN | 46203 | null | Consent provided | Web | 2022-05-04 | Closed with non-monetary relief | Yes | null | 5,539,795 |
2023-06-20 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07036 | null | Consent provided | Web | 2023-06-20 | Closed with non-monetary relief | Yes | null | 7,140,212 |
2016-07-14 | Student loan | Federal student loan servicing | Can't repay my loan | Can't get flexible payment options | Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country. | null | Nelnet, Inc. | TX | 77373 | null | Consent provided | Web | 2016-07-14 | Closed with explanation | Yes | No | 2,012,534 |
2017-06-29 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | FL | 34953 | Servicemember | Consent provided | Web | 2017-06-29 | Closed with explanation | Yes | null | 2,561,788 |
2021-01-07 | 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 | On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | FL | 323XX | null | Consent provided | Web | 2021-01-07 | Closed with explanation | Yes | null | 4,053,083 |
2021-05-10 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with additional products or services purchased with the loan | I was recently in an accident with possibly totaled Car on XX/XX/XXXX.
I called XXXX to report the claim but they told me that I didnt have collision insurance.
XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle.
It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments.
Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me.
They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments.
We are at the point now where I have a near totaled vehicle that is potentially not covered. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 27606 | null | Consent provided | Web | 2021-05-10 | Closed with explanation | Yes | null | 4,365,608 |
2019-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX and now that account is in collections with " XXXX XXXX XXXX ''. There are several fraudulent credit inquiries posted to my XXXX credit file that I did not authorize. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92345 | null | Consent provided | Web | 2019-10-18 | Closed with non-monetary relief | Yes | null | 3,410,859 |
2022-07-28 | 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/2022 to remove these accounts, which 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 these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's 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. | PA | 151XX | null | Consent provided | Web | 2022-07-28 | Closed with non-monetary relief | Yes | null | 5,816,890 |
2023-09-09 | 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 | See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77054 | null | Consent provided | Web | 2023-09-09 | Closed with explanation | Yes | null | 7,522,191 |
2022-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | ON XXXX THE XX/XX/XXXX I CONTACTED XXXX IN REFERENCE TO INCORRECT INFORMATION THAT APPEARED ON MY CREDIT REPORT. THEY WOULD NOT HELP ME DURING THE CALL BUT REFERRED ME TO A REPRESENTATIVE THAT CALL ME BACK XXXX XXXX ( XX/XX/XXXX ). WHEN I ASKED THE REP TO HELP ME IN CHANGING THE INFORMATION SHE REFUSED CLAIMING ALL INFORMATION HAD BEEN VALIDATED BECAUSE YOUR INFORMATION IS PART OF OUR LEGAL DEPARTMENT AND WE ARE NOT CHANGING ANYTHING. THIS IS A CLEAR VIOLATION OF MY FCRA RIGHTS. | null | Resurgent Capital Services L.P. | MD | 21215 | null | Consent provided | Web | 2022-02-13 | Closed with explanation | Yes | null | 5,216,639 |
2023-08-22 | 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 | By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX XXXX XXXX XXXX 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. | FL | 33142 | null | Consent provided | Web | 2023-08-22 | Closed with explanation | Yes | null | 7,432,538 |
2022-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of Identity theft. I have enclosed my ID and Identity theft report proving it is in fact me that submitted this dispute. | null | EQUIFAX, INC. | IL | 61032 | null | Consent provided | Web | 2022-03-31 | Closed with explanation | Yes | null | 5,389,653 |
2021-07-04 | 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 | Capital One Auto FInance has inquired on my credit report several times and was asked to remove the several inquiries and to this date XX/XX/XXXX have not removed the inquries this has caused me several problems with obtaining credit as well as bringing my score down to a very loanscorer. These are the dates of the inquiries XX/XX/XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX had no permisson to inquire on my credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX. I also Contacted all of credit bureau to attempt to remove the debt and have not received results as of XX/XX/XXXX. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30214 | Servicemember | Consent provided | Web | 2021-07-22 | Closed with explanation | Yes | null | 4,515,200 |
2019-09-13 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | This company started to call me yesterday from this number XXXX.
They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing.
At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response. | null | AFNI INC. | CA | 91311 | null | Consent provided | Web | 2019-09-13 | Closed with explanation | Yes | null | 3,373,151 |
2022-09-29 | 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 | Equifax/Equifax credit bureau did not notify my in time of the status of the reinvestigation that was received XX/XX/2022. Instead Equifax/Equifax credit bureau replied to my CFPB complaint XXXX with the status, XX/XX/2022, after 30 days. Equifax/Equifax credit bureau had ample amount of time to do the re-investigation and notify me of the status but instead they failed to notify me of the status. They are in violation of 15 usc 1681i because Equifax/Equifax did not provide me with the status of the reinvestigation. Therefore Equifax are to delete/remove the remaining accounts I wrote in about listed before. | null | EQUIFAX, INC. | LA | 70806 | null | Consent provided | Web | 2022-09-29 | Closed with explanation | Yes | null | 6,032,293 |
2021-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The accounts listed above do not reflect any correct transactions done by me.
My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States XXXX that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which XXXX have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW. | null | EQUIFAX, INC. | FL | 34952 | null | Consent provided | Web | 2021-05-08 | Closed with explanation | Yes | null | 4,361,684 |
2022-09-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I have received a response from Equifax reporting agency stating that unverified information is accurate and will continue to report information after it was updated. According to the FAIR CREDIT REPORTING ACT 15 USC 1681-1681 which is a federal law, all unverified information must be deleted. All third party debt collectors has to show proof that the debt was actually agreed upon, basically having to show an legal agreement and not a copy of an agreement that was with the actual creditor. If unverified information remains on my report without legal proof of agreement from the third party can result to legal action against Equifax for reporting illegal information on my report under federal law. This demand also goes for XXXX and XXXX as well.
I demand a reinvestigation of unverified accounts under federal law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NC | 27577 | null | Consent provided | Web | 2022-09-13 | Closed with explanation | Yes | null | 5,972,123 |
2022-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish an account with my written instructions. | null | EQUIFAX, INC. | PA | 19138 | null | Consent provided | Web | 2022-07-12 | Closed with explanation | Yes | null | 5,760,017 |
2020-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to delete the following 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. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. | null | EQUIFAX, INC. | PA | 19138 | null | Consent provided | Web | 2020-12-21 | Closed with explanation | Yes | null | 4,023,597 |
2020-09-09 | 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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 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 ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 707XX | null | Consent provided | Web | 2020-09-09 | Closed with explanation | Yes | null | 3,837,880 |
2019-02-04 | Checking or savings account | Other banking product or service | Managing an account | Banking errors | CFPB response to XX/XX/XXXX Letter XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX These claims by BBT have been responded to multiple times, BBT continue to delay and sway the facts as to not own up to their mistakes.
# 1 False Claim We disagree with BBT Bank stating we did not provide any invoices, we in fact did, that is simply not true.
from : XXXX XXXX XXXX to : '' XXXX, XXXX '' XXXX date : XX/XX/XXXX, XXXX XXXX subject : Re : Agreements attached mailed-by : XXXX # 2 False Claim BBTs own Section 13e from their Policy : The Bank shall be deemed to have acted in good faith and in accordance with reasonable commercial standards in paying any items forged or altered so cleverly ( as by unauthorized use of a signature. Stamp And facsimile machine or otherwise the unauthorized signature. endorsement. or alteration could not be detected by a reasonable person.
These altered checks are in fact very visible to the Naked Human Eye!
# 3 False Claim The fees assessed to the checking accounts were due to BBTs sloppiness and ignoring of our multiple requests to closed the accounts and stop the transactions and fees for multiple months which we have in writing. Not only did BBT falsely and unlawfully charge us fees for their own mistakes, they caused us harm, damages and hardship for reporting to XXXX XXXX for their own errors and mistakes.
One of many requests in writing : Hello urgent please XXXX XXXX XXXX Tue, XX/XX/XXXX, XXXX XXXX to XXXX, XXXX return these 3 unauthorized payments and block any future ones from this company, they have been notified multiple times, ty!
XX/XX/XXXX Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX Debit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} # 4 False BBT still has not forwarded the Statement from XXXX XXXX XXXX despite multiple requests by us and promises by them. What do they have to hide by sending them? This misreporting to the credit bureaus has caused hardship, excess interest and damages and is unlawful per the Fair Credit Reporting Act.
One of many requests in writing : XXXX XXXX XXXX Sun, XX/XX/XXXX, XXXX XXXX to BB & T , CEO, XXXX Dear Sir/Madam, I purchased a XXXX XXXX for my Daughter in XXXX and paid it off in full. I am needing an accounting of the detailed payment history, thank you.
# 5 BBT also promised to do Loan Modifications and interest only for multiple loans, this promises was also not kept We ask, why does BBT continue to penalize us, is it due to our Religious beliefs or the Fact that we have a 100 % female owned business We have contacted law enforcement, multiple State and Federal Agencies and were told that BBT does have responsibility to make restitutions.
# 6 BBT {$2000.00} was promised to be completed and refunded on a recorded line BB & T Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Executives CEO : XXXX XXXX XXXX CFO : XXXX XXXX XXXX COO : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone Number : ( XXXX ) XXXX Fax Number : ( XXXX ) XXXX Website : XXXX : XXXX Dear Sir/Madam, We had a very troubling course of events regarding the Stop Payment of ck # XXXX for {$2000.00}. We called XXXX on XXXX XXXX XX/XX/XXXX ID # XXXX XXXX Supervisor ID # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Supervisor XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$2000.00}, # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX opened up a case XXXX XXXX XXXX XX/XX/XXXX Resolution Reverse Fees and Late Charges, Refund altered Checks, Loan Modifications, XXXX XXXX XXXX Mis Reporting, Refund {$2000.00} Stop Payment as Promised | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BB&T CORPORATION | FL | XXXXX | null | Consent provided | Web | 2019-02-04 | Closed with explanation | Yes | null | 3,141,757 |
2019-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. | null | EQUIFAX, INC. | CA | 93725 | null | Consent provided | Web | 2019-08-30 | Closed with non-monetary relief | Yes | null | 3,359,171 |
2023-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | As per the Fair Debt Collection Practices Act ( FDCPA ), codified under U.S. Code 1692 et seq., I have identified several inaccuracies in the collection account. The inaccuracies include incorrect dates, amounts, and other details that are not reflective of my actual financial history. These inaccuracies have had severe repercussions on my credit score and have prevented me from obtaining financing and pursuing my entrepreneurial aspirations.
Furthermore, the Fair Credit Reporting Act ( FCRA ), codified under U.S. Code 1681 et seq., requires that information reported by credit agencies, including collection accounts, be accurate and verifiable. The inaccurate collection account has violated my rights under FCRA, causing significant harm to my creditworthiness and financial prospects. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32216 | Servicemember | Consent provided | Web | 2023-04-08 | Closed with non-monetary relief | Yes | null | 6,811,924 |
2022-11-30 | 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 | Previously a complaint had been submitted for the reporting of incorrect information. XXXX removed certain information fields to make the report look accurate. However by doing so they made the information being reported incomplete. How can they say an account was 30, 60, or 90 days past due if they can't show a date of last activity? Also green dot and XXXX have repeatedly claimed to validate the information being reported as accurate. In accordance with the FCRA I have requested copies of the documents used to validate the information being reported. I have been refused. This is a clear violation of my rights under the FCRA. FURTHERMORE, the attached documents will show that XXXX XXXX is just reporting negative information to hurt my credit score. This is obvious because different information is being reported to all 3 agencies. Yet each agency has validated the information as accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28208 | null | Consent provided | Web | 2022-11-30 | Closed with explanation | Yes | null | 6,263,229 |
2023-01-18 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | on XX/XX/XXXX an illegal wire transaction from my chase bank account was done and the tranfer {$490.00} dollars from my account to another chase bank account, i was subject to a fraud and money was transfer from my accou, i gived all the information to my bank and copy of the police report and the bank still transferred the money and now chase bank is telling me that they cant do nothing about that .and all they can do is a courtesy call to the party that made the fraud because the transactions is already process, even though they have the other party info, my bank account is on chase bank , a police report is being issued and is a federal police case open but Chase bank did not provide any help gettimng my funds, i hold a busisnes account with CHASE for over XXXX years | null | JPMORGAN CHASE & CO. | FL | 33141 | Servicemember | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,455,628 |
2022-09-07 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | i have asked and asked in writing, over the phone, filed dispute after dispute with credit reporting agencies. this is not my debt, i have asked for PROOF OF DEBT, DOCUMENTAION AND THEY REFUSE. THEY JUST CONTINUE TO STATE IT IS MINE. THEY HAVE TO PROVIDE PROOF UNDER THE LAW BEFORE THEY START TEARING APART MY CREDIT REPORT | null | Spring Oaks Capital, LLC | MA | 019XX | null | Consent provided | Web | 2022-09-07 | Closed with explanation | Yes | null | 5,959,081 |
2023-03-07 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | This dispute is in response to a debt that was being collected on a secured credit card. The secured credit card was funded by my personal FRN 's. Please take notice that on XX/XX/2023 NFCU stole the money from my tax refund in order to " settle '' the debt that was already settled from the moment of account creation. Aside from NFCU stealing the money, in which i did not give authorization. They broke the law ( 15 USC 1666h ). This law states that " A card issuer may not take ANY action to offset a cardholders indebtedness arising in connection with a consumer credit transaction. '' Also in accordance with the TILA, cash and credit can not be used in a consumer credit plan, which makes the original contract null and void from the beginning due to it being fraudulent and misleading. It is a FACT that I utilized FRNS from my account to fund this account thus making it a prepaid card and not a credit card.
You have no authorization to furnish to my consumer report with income, which by IRS definition a charged off account is INCOME and i still have yet to receive a 1099C in order to claim this as income on my report SO, in total I have 3 violations. Which may lead to litigation if I am not refunded the {$260.00}. XXXX that was stolen from my tax refund.
Please also take notice all correspondence will be sent to the US attorney General, All 3 credit bureaus, state attorney General, FTC, and IRS criminal investigations dept. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | GA | 30265 | null | Consent provided | Web | 2023-03-07 | Closed with explanation | Yes | null | 6,661,378 |
2022-01-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | On XX/XX/XXXX my spouse and I requested our annual free credit reports from all three credit bureaus.
XXXX provided both credit reports as requested.
XXXX provided a credit report for my spouse, but other than my name the credit report was blank and, and when I tried to refresh the information the site said that I had already received my free report.
Equifax denied provided both credit reports due to an inability to verify our identities, using the exact same information XXXX and XXXX accepted.
When I call their support numbers to request mailed reports, both XXXX and Equifax mailed letters stating that a free copy of your credit file alreadt has been sent to you within this past 12 months. This is untrue, and in any case as we understand it, we were entitled to free WEEKLY credit reports during the pandemic.
Equifax has continually denied my free annual credit report requests in XXXX, XXXX and XXXX, and denied requests from my spouse in XXXX, XXXX, and XXXX. This appears to be a systematized denial of legally mandated credit reports, considering the same identity information provided to the XXXX website was accepted by the other two credit bureaus.
We know our credit bureau files are up to date, because we unfreeze and refreeze them when we perform the annual credit report requests. | null | EQUIFAX, INC. | NC | 27705 | null | Consent provided | Web | 2022-01-25 | Closed with explanation | Yes | null | 5,147,039 |
2023-05-30 | 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 | Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07093 | null | Consent provided | Web | 2023-05-30 | Closed with explanation | Yes | null | 7,044,977 |
2023-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60628 | null | Consent provided | Web | 2023-01-09 | Closed with explanation | Yes | null | 6,415,815 |
2023-05-11 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | Hi my name is XXXX XXXX .I got a call from Citizen Bank saying that if you were the one who withdrew {$80.00} and {$200.00} from an ATM machine at XXXX XXXX XXXX MA XXXX. I replied saying no that was not me and mentioning to them that it must have been a fake card because mine was in my wallet at that time. They asked me to file a fraud claim and said that they would send me a new card, so I filed a claim three times and they only refund {$80.00} not the other {$200.00} and they said that the other {$200.00} was me although I told them that it was not me when called. I tried to call them multiple times but they would not cooperate with me.
This is my claim number XXXX The company is Citizen Bank .
Thank you | null | CITIZENS FINANCIAL GROUP, INC. | MA | 02151 | null | Consent provided | Web | 2023-05-11 | Closed with monetary relief | Yes | null | 6,958,481 |
2020-10-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I was told by Santandar Bank that my payment would not be reported to a credit agency. They bank did this anyways, despite a continued disagreement regarding Covid Relief program. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SANTANDER BANK, NATIONAL ASSOCIATION | NY | 11221 | null | Consent provided | Web | 2020-11-12 | Closed with explanation | Yes | null | 3,881,861 |
2023-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 24112 | null | Consent provided | Web | 2023-04-07 | Closed with non-monetary relief | Yes | null | 6,801,545 |
2018-06-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Synchrony bank/ Walmart has been reporting with XXXX , XXXX and XXXX that I have XXXX accounts with them which is affecting my credit report and credit score. They are reporting that I had XXXX Walmart accounts.
XX/XX/2016 amount XXXX XX/XX/2016 amount XXXX The account with the amount of XXXX is not mine and needs to be removed | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NJ | 07103 | null | Consent provided | Web | 2018-06-28 | Closed with explanation | Yes | null | 2,949,024 |
2017-11-26 | Credit card or prepaid card | Store credit card | Closing your account | Company closed your account | XXXX XXXX/JCPENNEY CARD ... closed my account without any noticed, this is the second time they have taken action on my account with out personal notification to me. I found out when I went to use my card. I paid my card off in full in XX/XX/XXXX.
HIghly disappointed ... they MAKE NUMEROUS INQUIRIES on all of CREDIT REPORTS since the account was open with out my knowledge | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | VA | 245XX | null | Consent provided | Web | 2017-11-26 | Closed with non-monetary relief | Yes | null | 2,737,577 |
2021-01-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The United States Department Of Education is reporting inconsistent and inaccurate information which is in multiple violations with the FCRA. Per the FCRA all information being reported must be 100 % accurate across all three credit bureaus. The Date Of Last Activity shows for XXXX as XX/XX/XXXX and XXXX as XX/XX/XXXX while Equifax as XX/XX/XXXX. This is an violation by the accounts with XXXX and XXXX would be ILLEGALLY re-aged on the time frame of which they would stay on the credit report. This account is closed as a XXXX Off but yet Equifax is reporting it as open and 120 days late. This is a violation as well with the FCRA by an account can not be a XXXX off and late 120 days at the same time. An account first goes late then into collections then to charge off status. An account closed can not steadily report late payments per the FCRA. I've also disputed this account previously with XXXX and Equifax and came back as verified but yet on the document attached shows they never updated the Last Date Verified which defined by the FCRA they're suppose to update the profile each time. Per the FCRA i may collect up to {$1000.00} per violation for which this inaccurate and inconsistent reporting has caused my credit score to drastically drop and continuously drop. I've been denied job opportunities because of this reporting and even so loans. I've lost 3 jobs sadly during this pandemic due to closures and this inaccurate reporting is making it harder to move forward with its reporting. Attached is documents showing such violations and inaccurate/inconsistent reporting along with job denial. | null | EQUIFAX, INC. | CA | 90008 | null | Consent provided | Web | 2021-01-29 | Closed with explanation | Yes | null | 4,104,088 |
2020-10-05 | 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 reach out several times to dispute the inaccuracies of the XXXX account.Its a Charge off account and its is showing a balance.
Its was cellphone account. Its showing a installment.
XXXX XXXX stated it was sold to a collection agency but their still reporting it as their.It | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IA | XXXXX | null | Consent provided | Web | 2020-10-05 | Closed with explanation | Yes | null | 3,880,642 |
2023-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33021 | null | Consent provided | Web | 2023-02-14 | Closed with explanation | Yes | null | 6,564,489 |
2022-05-22 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | XXXX Report : Bill was never submitted to insurance even though insurance information was provided to hospital. Additionally the amount owed is {$22000.00}. The collection agency ( Rash Curtis ) has ballooned it to {$35000.00}, stating interest has been accumulating. Yet other hospital bills with other collection firms/companies have never charged interest fees. Responsibility lies with the hospital and insurance. Someone needs to investigate Rash Curtis for bullying tactics with harassing phone calls, pressure tactics as well as personal threats.
On the XXXX report they have bumped the total yet again, to {$35000.00} and added another False claim that a separate charge of {$50.00} is still owed to the same hospital and has bumped that total to {$75.00} with no information provided as to why.
XXXX report is {$35000.00}. Again this collection company is making up whatever total they want and stating its related to interest charges. I no longer have this particular insurance coverage/plan that was used for this hospital visit as I have changed jobs since then.
Balance incorrect. Collection agency violating the Fair Debt Collection Practices Act with unfair practices and forging multiple debts. As well as Harrassment and Abuse. They also did a hard inquiry on my XXXX report which said I applied for credit with them, which is false. Again, this is false information and should be removed from my hard inquiries. I did not apply for credit with them.
Rash Curtis has raised the balance w/o my at consent. Additionally, it seems only their false statements and falsified cost increases are accepted as truths while my information is discarded altogether. The shear amount of harrassing phone calls put so much stress in my life, that quality of living was affected. They called day and night, changed phone numbers over and over again. All while I gave them the same information ... .that the bills need to be submitted to insurance. Additionally, I spoke with the hospital in question to please file with the insurance company/info they obtained from me right from the get go.
The personal threat of suing me over these medical bills was enough for me to have full on panic attacks. I have recently applied for a home loan and was denied at 1 lenders office due to Rash Curtis and bullying tactics. They also said as long as they legally can stay on my credit reports they will continue by all means necessary as well as continuing to obtain the unpaid debt including suing me.
There are to many dates to list them all here. I pray that this mean, horrible collection agency and or dirty lawyers be brought to justice. I can't be the only one who has had these types of experiences with them. | null | KBR INC DBA RASH CURTIS & ASSOCIATES | CA | 945XX | null | Consent provided | Web | 2022-05-22 | Closed with explanation | Yes | null | 5,589,171 |
2019-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have filed a complaint before back in XX/XX/XXXX about Kia Motors Finance. After I filed that complaint the company took the negative marks off and even the debt itself like they said they were. Well they putt is back on in XX/XX/XXXX and this time they put that it was 30-59 days late in XX/XX/XXXX and them 60-89 days late in XX/XX/XXXX on my XXXX report. On the XXXX report they have reported closed and charged off as bad debt. On XXXX, they reported closed deragatory charge off.
Those late payments and bad remarks have caused my credit score to go down over 150 points. I spent over three years to get my credit score over 800 and now it is XXXX. I am hurt because credit is everything and you cant do nothing without it.
I had to once again put my home improvement project on hold because of the bad hard hit to my credit by Kia Motors Finance.
When I reached out to them they told me that because the payment was due on the XX/XX/XXXX of the month and I paid it on the 1st cause them to report 30-59 day and 60-89 days late on my credit and that is so wrong and messed up on so many levels. I did not ask for my car to be stolen or anything to this nature but Kia Motors Finance is making it their priority to hurt my credit and I have been sticking to the payment plan that they gave me. I started with XXXX and now the balance is XXXX but they still feel the need to hurt my credit while I sticking to the payment plan.
I know everything has policies and procedures but my car being stolen out of my driveway was very unexpected and i didnt have XXXX laying around to pay in full. That is why I put myself on a payment plan with them. Every time I call them its new information given to me and new things they keep telling me that I never knew in the beginning.
The car was stolen in XX/XX/XXXX and I am still dealing with this and its like Im still getting punished for something that was beyond my control.
Now when I ask them why did they put it back on my credit after they took it off and they could not tell me why. I am really sick of this. The next payment of XXXX is due on the XXXX. I am not trying to get out of paying. I just want them to report what is correct and have a little XXXX for people that this happens to cause we dont ask for this to happen to us at all. | null | HYUNDAI CAPITAL AMERICA | FL | 32808 | null | Consent provided | Web | 2019-07-17 | Closed with explanation | Yes | null | 3,310,213 |
2017-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | There are many mistakes appear in my report without my understanding. | null | EQUIFAX, INC. | UT | 84120 | null | Consent provided | Web | 2017-12-30 | Closed with explanation | Yes | null | 2,768,230 |
2021-01-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Federal Student Loans Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00} | null | EQUIFAX, INC. | NJ | 07206 | null | Consent provided | Web | 2021-01-08 | Closed with explanation | Yes | null | 4,057,219 |
2022-09-22 | Checking or savings account | Other banking product or service | Managing an account | Funds not handled or disbursed as instructed | I have a security/safety box with Chase Bank that I used to secure valuables that are not needed in a constant basis. I recently went to Chase Bank on XX/XX/2022 to discovered that I had no security box. Lead Associate XXXX XXXX advised me that Chase Bank had an audit by an independent contractor and the boxes that had mismatched numbers with their computer system were drilled and taken.
1 ) no notice was given to us BEFORE this took place 2 ) no notice was given to us AFTER this took place.
We found out when we are about to go on a trip and while attempting to collect some of our valuables, we discovered this!
I made an escalation complaint with Chase in which they manager only wanted to have information about the branch and said had no control over collecting my security box back or expediting the process. I spoke today with the branch associate who notified me they received a response to the fax sent to this " audit '' company on XX/XX/2022 and advised that it will take 7 - 10 days for the branch to receive my valuables as they were sent via USPS. HOW IN THE EARTH IS THIS COMPANY SENDING MY VALUABLES VIA USPS!! if we contract for a security box is because we need our valuables secured and we need to be able to reach them at any given time!!!! I am asking that you provide assistance to recovered my valuables and I am asking that an investigation is done on this process. I dont even know if I am going to get all my valuables as I did not think about creating a listing or taking pictures as I blindly trusted a bank institution of the size of Chase. Now I have to trust that the listing of valuables they will provide is correct????? I am asking for your prompt help. | null | JPMORGAN CHASE & CO. | CA | 92102 | null | Consent provided | Web | 2022-09-22 | Closed with monetary relief | Yes | null | 6,007,453 |
2018-10-12 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I had 3 fraudulent charges from my Chase Checking account. Chase reversed the first 2 charges and not the third saying their company policy is to only reverse the first 2 charges because they have a 60 day time limit. The 1st charge was {$54.00} in XX/XX/2018, the 2nd charge was {$180.00} in XX/XX/2018 and the 3rd charge was {$530.00} in XX/XX/2018. I can't get passed anyone at Chase because all they are telling me is that it is company policy. When I originally filed the claim they told me it had to reported within 60 days which I thought I did seeing I filed the dispute in XX/XX/2018. | null | JPMORGAN CHASE & CO. | NY | 109XX | null | Consent provided | Web | 2018-10-12 | Closed with monetary relief | Yes | null | 3,044,613 |
2023-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XXXX I sent a letter due to inconsistencies and inaccurate information reporting on my account. I specifically requested for the following account to be deleted from my report because it was reporting inaccurately as an " Open account '' When I reviewed my credit report again on XXXX, XXXX, and XXXX. To date, the account still reports incorrectly with an " Open status '' Since then, the creditor noted " Dispute resolved ; reported by grantor '' but nothing has been resolved or updated. This is a violation of my rights as a consumer and my concerns are not being addressed. Please remove the following account from my credit profile per the FCRA 15 U.S. Code 1681 : XXXX XXXX | null | EQUIFAX, INC. | WI | 53214 | null | Consent provided | Web | 2023-08-02 | Closed with non-monetary relief | Yes | null | 7,340,451 |
2019-09-29 | 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 | This account is currently in litigation the data furnished continues to ignore disputes asking for an update of the credit report to reflect current litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 067XX | null | Consent provided | Web | 2019-09-29 | Closed with non-monetary relief | Yes | null | 3,390,257 |
2023-09-13 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my numerous attempt to inform you that I am a victim of identity theft and that I am complaining about certain entries in my documents that have arisen as a result of the crime. The documents I'm questioning have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through 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 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. | NY | 11411 | null | Consent provided | Web | 2023-09-13 | Closed with non-monetary relief | Yes | null | 7,545,959 |
2018-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have contacted all 3 credit bureaus regarding an account that is appearing on my credit report from XXXX XXXX XXXX! It is showing this account was opened in XX/XX/XXXX and closed in XX/XX/XXXX and charged off as bad debt on the amount of {$550.00}, this is NOT my account as I am a New York State resident and XXXX XXXX credit cards are not offered to consumers in this state! I have lived in NY state since XX/XX/XXXX and have supplied sufficient proof of this and I want this account removed from my credit reports immediately! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 132XX | null | Consent provided | Web | 2018-09-10 | Closed with explanation | Yes | null | 3,014,551 |
2021-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX is reporting a negative account against me that they fail to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. XXXX wont send any documents, bearing my signature, showing that I have a legally binding contractual agreement/obligation to pay them for the alleged charge off account. XXXX XXXX XXXX have already removed this account from my credit for Violations against the Fair Credit Reporting Act. XXXX XXXX also didnt furnish the credit bureaus with the required disclosure, within the period required by law. They are required by law to place a notice of dispute on my account within 30 days of my dispute, which you signed for XX/XX/2021. I have retained a copy of their signature and date of receipt, as well as time stamps of my credit reports showing that you violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act 807 ( 8 ) by not placing the disclosure within the required 30 day period. Im requesting XXXX XXXX to delete this account off of my credit reports for good for violations against the Fair Debt Collection Practices Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 55901 | null | Consent provided | Web | 2021-03-26 | Closed with non-monetary relief | Yes | null | 4,235,062 |
2022-02-08 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX I received an " account notification '' from Credence Resource Management , LLC saying I owe them {$250.00} to resolve the account for less than the full amount of {$460.00} from XXXX XXXX XXXX XXXX.
On XX/XX/XXXX, I sent Credence Resource Management , LLC a Debt Verification Letter via certified mail. The following letter states, " Dear Credence : This letter is in response to your letter dated XX/XX/XXXX. I request that you provide verification of this debt.
Please send the following information : 1. To whom do you think I owe this debt and what amount do you claim I owe? I will need the name, address and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address and account number for the original creditor, the amount owed and the date when the debt was transferred.
2. Please provide a valid basis for the debt, such as the original contract between me and original creditor. Tell me the date the debt became delinquent and the date the last payment was made.
3. Provide me a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law.
4. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and amount paid for each item.
5. Whether this debt is within the statute of limitations and how you determined that issue.
6. Details about your authority to collect this debt.
7. Does your agency have a debt collection license in Texas? If so, please provide the name on the license, the license number and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. If you are contacting me from outside my state, provide the licensing information from your state as well.
I requested this information so that I can make an informed decision on whether I am responsible for the debt. I will need your response to make that decision and would be open to communicating with you on this matter. I would like to know if you are prepared to accept less than the balance you claim is owed. If so, put your offer in writing with the amount you will accept to fully resolve the matter.
Please treat this debt as being in dispute. I look forward to your response. Thank you for your cooperation.
Sincerely, XXXX XXXX '' On XX/XX/XXXX, I received a " Dispute Investigation Response '' from Credence, but was not given the information I requested. In this letter from Credence they state, " We received your dispute on the above account. We have investigated your dispute and verified that the charges on your account are valid. Please call the toll free number below for assistance or any queries. XXXX XXXX XXXX : - XXXX. '' I was not given any verification of this " debt '' | null | Kriya Capital, LLC | TX | 79707 | null | Consent provided | Web | 2022-02-08 | Closed with non-monetary relief | Yes | null | 5,199,243 |
2019-01-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | on several occasions I received letters and calls from collection agencies regarding accounts that DO NOT belong to me. my identity was stolen and used to open fraudulent accounts. I need this fraudulent information removed from my report immediately. | null | EQUIFAX, INC. | PA | 151XX | null | Consent provided | Web | 2019-01-31 | Closed with non-monetary relief | Yes | null | 3,138,836 |
2022-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33174 | null | Consent provided | Web | 2022-09-29 | Closed with non-monetary relief | Yes | null | 6,033,611 |
2023-01-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | according to the Fair Credit Reporting ACT, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Singnautre on it ) you have on file of the accounts listed below.your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34972 | null | Consent provided | Web | 2023-01-15 | Closed with explanation | Yes | null | 6,435,612 |
2023-03-18 | 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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1400.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28403 | null | Consent provided | Web | 2023-03-18 | Closed with explanation | Yes | null | 6,709,148 |
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 | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$20000.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$64000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX XXXX Owed : {$14000.00}; XXXX XXXX XXXX Balance Owed : {$21000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19145 | null | Consent provided | Web | 2023-01-12 | Closed with explanation | Yes | null | 6,425,021 |
2022-05-05 | 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 | Hard inquiry appeared on credit report on XX/XX/2022. Inquiry was from Synchrony Financial as stated in credit report on XXXX XXXX. This inquiry was not authorized by me. Contacted the institution and told them the situation. The representative of the institution told me that a credit application had been filed in my name. The representative stated they stopped the credit application and advised me to file a fraud victim statement with each of the three credit unions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TN | 370XX | null | Consent provided | Web | 2022-05-05 | Closed with non-monetary relief | Yes | null | 5,547,386 |
2019-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I see inaccurate information across the three credit reporting bureaus. As you can see Date of Last reported, date of Last Active, as well as payment status shows different information. I attached a screenshot of the exact report I received.
I hope you take this seriously. Thanks! | null | EQUIFAX, INC. | MA | 02302 | null | Consent provided | Web | 2019-08-24 | Closed with explanation | Yes | null | 3,352,328 |
2021-07-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Re : This is not a regular dispute. Take action immediately you are in violation.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # 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.
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 Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) 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.
2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC | null | EQUIFAX, INC. | LA | 711XX | null | Consent provided | Web | 2021-07-16 | Closed with explanation | Yes | null | 4,547,313 |
2016-12-01 | Student loan | Non-federal student loan | Can't repay my loan | Can't decrease my monthly payments | I have previously filed complaints on this issue but the lender refuses to respond. My student loans are serviced through American education services ( AES ) but my actual lender is National Collegiate Trust who has no phone number available to the public and only a mailing address and they refuse to respond to correspondence. I am in need of a lower payment and i have begged this people at AES to assist me with my account both totaling to over XXXX $ per month and i still have other loans i pay with other companies like XXXX. My issue is the AES and NCT wont communicate or work with me. i am now delinquent because my payments keep increasing and i cant keep up. i would like to pay but can not due to the outrageous amount. I asked NCT to provide proof i owe them and they supplied me with a loan promissory note from a girl with a totally different name than mine, they sent me all her personal information so i can only assume they are giving my information out as well. The biggest issue is this companies buys debt and then you are unable to get in touch with the company and just told to pay whatever they say. can you help me get proof that they ( NCT ) even own my loan and if so get them to make my payment more reasonable because i cant afford this at all. | null | AES/PHEAA | MI | 48911 | null | Consent provided | Web | 2016-12-02 | Closed with explanation | Yes | No | 2,230,680 |
2021-02-26 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | Sometime between XXXX - XX/XX/XXXX, XXXX began calling me claiming that I owed {$210.00} for cell phone service, after I had changed to another provider. I explained that I could not this amount. They insisted but would not provide me the dates of service. I then requested the bill and usage information for the bill that they were trying to collect totaling {$210.00}. XXXX sent me the requested information which showed that I could not possibly owe {$210.00} based on their own usage records. I called the company numerous times but no one would review the bill. They insisted that all they could do is collect the money. XXXX refused to listen to me about that even their own records show that I do not owe XXXX. Rather than investigating the matter and checking their records, made a negative reporting to the credit bureaus and referred me to a collection agency XXXX referred me to a collection agency I have contacted the collection agency, Sequium, which stated that they can not verify the debt or state if XXXX 's bill is inaccurate. The agency stated that it opened a dispute with XXXX on XX/XX/XXXX. I dispute this account with XXXX about XXXX months before the debt was referred to Sequium.
Attached is the bill with the usage information and a letter that I wrote to Sequium. | Company believes it acted appropriately as authorized by contract or law | Sequium Asset Solutions, LLC | NY | 11375 | null | Consent provided | Web | 2021-02-26 | Closed with explanation | Yes | null | 4,166,745 |
2023-06-23 | 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 | These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized. | null | EQUIFAX, INC. | VA | 23324 | null | Consent provided | Web | 2023-06-23 | Closed with explanation | Yes | null | 7,158,836 |
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
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 inructions 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 | null | EQUIFAX, INC. | LA | 705XX | null | Consent provided | Web | 2023-07-11 | Closed with explanation | Yes | null | 7,236,309 |
2017-02-23 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | This account is not mine. Its been removed from credit reports and reinsert back to the credit report | null | AFNI INC. | TX | 758XX | null | Consent provided | Web | 2017-02-23 | Closed with explanation | Yes | No | 2,356,211 |
2017-03-15 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | This company is not licensed to collect a debt in Georgia. | null | North Shore Agency, LLC | GA | 30314 | null | Consent provided | Web | 2017-03-16 | Closed with explanation | Yes | No | 2,388,316 |
2020-04-19 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | I DID NOT CHARGE ON MY CREDIT CARD.I 'M DISPUTING THE WHOLE BALANCE {$3100.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 33322 | null | Consent provided | Web | 2020-04-22 | Closed with explanation | Yes | null | 3,613,113 |
2017-10-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Experian has sent a refusal to investigate my credit file claiming id information that they received from me was not legible.This claim is absolutely ridiculous ( PLEASE SEE ENCLOSED DOCS ) XXXX and XXXX have started investigations based on the exact same request and ID information. Additionally, Experians delays add up to more than XXXX days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I can not be the only one The items in question are as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX 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. | IL | 60438 | null | Consent provided | Web | 2017-10-25 | Closed with non-monetary relief | Yes | null | 2,712,365 |
2022-11-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Over the past few years, I have done multiple investigations on my credit report once I was made aware that incorrect information was being reported. I have reached out to each bureau multiple times regarding the incorrect information, but my effort have gone ignored.
My investigation revealed unverifiable, invalidated, inaccurate and questionable items neither of the three major credit bureaus ( XXXX, XXXX, Experian ) bothered make sure is reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), anything reporting inaccurately on my credit bureau is in direct violation leaving my incapable of being 100 % accurate.
The credit reporting agencies stated that these accounts were properly investigated and that they each came back verified. However, it is impossible that this can be true due to several inaccuracies still reporting on my credit bureau, despite my efforts to right this wrong. Each dispute that I have filed with the three major bureaus, have all resulted in the same response. In the case of the inaccurate bankruptcy reporting, each bureau responded stating that the information had been verified directly with the source, which would the bankruptcy courts. However, I am attaching a letter here from XX/XX/2022 where the courts clearly state that they do not verify information with any third party entity. So all three of the credit bureaus are lying and they are intentionally allowing inaccurate information to be reported against me, which has hurt me not just financially but professionally as well. Additionally, I have vigorously disputed fraudulent inquiries that I made clear were also not mine and I was told that inquiries can not be disputed. HOW IS THAT POSSIBLE? If ALL information is required to be 100 % accurate, as a consumer I have the right to dispute everything. I DID NOT apply for credit from those companies. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 22408 | null | Consent provided | Web | 2022-11-04 | Closed with explanation | Yes | null | 6,165,469 |
2019-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In 2018 I suffered a XXXX XXXX and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. | null | EQUIFAX, INC. | CA | 92345 | null | Consent provided | Web | 2019-06-09 | Closed with non-monetary relief | Yes | null | 3,268,885 |
2021-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The XXXX XXXX XXXX is attempting to collect a debt that is 1 ) Possible identity theft and 2 ) Possibly past the statue of limitations for collection.
Transunion also keeps reporting this debt as validated and verified, even though no proof of such has ever been provided by the creditor or the credit reporting agency.
I am now demanding proof proving this debt belongs to me, including proof of my identifying information that connects this debt to me.
I am also demanding proof of the original date of delinquency on this debt. It is believed this debt is over 6 years old, which is past the statue of limitations for collection, which would take away the right of the creditor to collect and report this debt to the CRA 's | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 127XX | null | Consent provided | Web | 2021-11-15 | Closed with explanation | Yes | null | 4,914,598 |
2023-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over XXXXXXXX XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND EXPERIAN AND 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 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 SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53590 | null | Consent provided | Web | 2023-02-15 | Closed with explanation | Yes | null | 6,576,534 |
2023-09-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.
Here is the list of items that do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | AR | 71854 | null | Consent provided | Web | 2023-09-19 | Closed with non-monetary relief | Yes | null | 7,570,520 |
2023-09-08 | Credit reporting 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 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 776XX | null | Consent provided | Web | 2023-09-08 | Closed with explanation | Yes | null | 7,520,906 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Last month, I settled XXXX collection accounts that were since removed from my report. The settlements were supposed to be factored in and my credit score was due to increase as a result of the settlements. I have filed disputes with Equifax and XXXX XXXX and haven't received any updates. It's also very difficult to get in touch with anyone at either company to explain why the accounts were simply removed and not factored in as paid accounts. Instead of updating my accounts with the paid, settled accounts, a new false account was added to my report which reduced my credit score by XXXX points. This is a report that I also disputed right away because the debt was originally XXXX in my bankruptcy. Attempts to collect this debt have been made before but this is the most recent attempt to add this information to my report. I am trying to raise my score in order to purchase a home but this false reporting and non reporting is a detriment. | null | EQUIFAX, INC. | MD | 21061 | Servicemember | Consent provided | Web | 2023-04-14 | Closed with explanation | Yes | null | 6,841,172 |
2021-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Is this account was paid in full XX/XX/21 and was paid in full early.I need this balance to reflect XXXX balance I have with this company. | null | American First Finance, Inc. | CT | 060XX | null | Consent provided | Web | 2021-08-02 | Closed with explanation | Yes | null | 4,593,334 |
2018-12-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Experian is continuing to report 4 accounts on my report as closed that I requested validation for and never received. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 190XX | null | Consent provided | Web | 2018-12-05 | Closed with explanation | Yes | null | 3,091,644 |
2020-04-23 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with additional products or services purchased with the loan | When purchasing the vehicle I was informed by both Wells Fargo and the dealership that in order to qualify for the loan I was required to purchase gap insurance. I was never given the option to purchase the gap insurance on my own and had to pay the {$590.00} at loan closing. Since then I have tried with both the dealership and the bank to be reimbursed for this fee as I have since been informed that this is not a requirement in order to be qualified for the loan. The bank is refusing to reimburse any of the fees as well as the dealership. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 14228 | null | Consent provided | Web | 2020-04-23 | Closed with explanation | Yes | null | 3,619,619 |
2020-07-04 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | I have a cash app card provided by XXXX XXXX. I went out of town and lost my cash app card and the next day there were fraudulent charges totaling {$2100.00}. I contacted the company they took forever to respond to me they had no live agent help over email and XXXX they were extremely negligent and not helpful at all. I explained the situation and what occurred and they had no response to anything I explained they simply just denied my claim and said that the card had been used and the PIN was entered. They don't know that my tablet was also in my bag that had my card and that most of my financial information is listed there. Regardless they showed that they could care less responded late and very vague and never addressed anything I sent them simply all they did was ask me a few questions and I responded and that was it I felt like I was talking to a robot everything that I mentioned that did not have to do with the questions they asked was disregarded and ignored. The fraudulent charges all occurred on the XXXX of XXXX. The first one was for {$970.00} followed by another charge for {$53.00}, and {$400.00} and {$87.00} and {$54.00} and {$580.00}. The company told me the decision is filed and pretty much has not offered any live support and ignored all my emails and never responds to me. | null | Square Inc | CO | 80016 | null | Consent provided | Web | 2020-07-04 | Closed with explanation | Yes | null | 3,728,998 |
2020-09-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I've been working on my credit for a couple of months now because I plan on using my certificate of eligibility from VA to purchase my first home. Once I received my initial credit reports that I requested, I noticed that Regional Acceptance ( previous lender ) had charged off the balance of my car loan. I've tried using the dispute process at no avail. My car was originally totaled out by XXXX XXXX XXXX bank back in XX/XX/XXXX. At the time my XXXX XXXX was determined a total loss I owed {$20000.00}. XXXX determined the value at the time of loss was {$10000.00}. This left a hefty balance of {$10000.00}, however I wasn't concerned because I had purchased GAP insurance at the time of my car purchase that covered a maximum of 150 % in case of total loss and I also purchased an extended warranty. XXXX paid their portion. I filed a claim with XX/XX/XXXX, XXXX XX/XX/XXXX for my GAP claim and also reached out to XXXX XXXX ( where I purchased the car ) to file a claim for the refund of my extended warranty. After a couple of weeks, Classic ( GAP ) had sent documents on how much they were sending a check out for ( {$7300.00} ) leaving still a remaining balance of {$2700.00} however, this included an " in house estimate '' for my extended warranty. Upon reaching out to XX/XX/XXXX customer service I was informed that once Regional Acceptance received the actual amount from the extended warranty if their estimate was incorrect, contact them back and they would pay the difference. In the end, the initial " in house estimate '' was incorrect. I reached back out to XXXX and they ask that I request a copy of the check sent from the extended warranty or payment leger proving how much was actually paid so they could adjust the payment and send out a check for the balance. I reached out to Regional Acceptance on several occasions to get this documentation so my balance could be cleared. The last person I spoke with was XXXX XXXX a loan administrator for Regional Acceptance who initial contacted me about setting up a payment plan for the balance. I informed her of the issue I was having surrounding the balance. I was told that she would submit a request for the information I was requesting and I never heard anything back. I reached out again recently and left a message explaining the urgency and I still have yet to hear back from the company. It is unfair that I now have a malicious charge off on my credit report that I did not deserve. This is negatively affecting my purchasing power for my first home. I did everything I could do to insure this company got their money and they dropped the ball. I should not be punished because they did not do their job. A simple copy of the warranty check would have resolved the issue in its entirety. Your assistance in this matter is greatly appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | TX | 751XX | Servicemember | Consent provided | Web | 2020-09-23 | Closed with explanation | Yes | null | 3,861,616 |
2022-06-20 | 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 reporting of this account 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 I want to apply these laws and exercise my rights. Please delete these accounts.
Please send me a XXXX form and delete this account It is further agreed that VANCE & HUFFMAN shall take all steps necessary to ensure that no credit report or credit reference that is unfavorable or that may be construed unfavorably to XXXX XXXX XXXX shall be made by it or by any consumer reporting agency with regard to any debts or claims as between VANCE & HUFFMAN and XXXX XXXX. Without limiting the effect of the foregoing obligation, VANCE & HUFFMAN shall also within ten days hereof send notice [ in writing or electronically or both ] to each consumer reporting agency to which VANCE & HUFFMAN has reported any information about XXXX XXXX XXXX, deleting from their files all references to the [ alleged ] debt which is the subject of this settlement agreement. To that end, VANCE & HUFFMAN shall submit a XXXX XXXX form coded with XXXX XXXX delete account ) [ and/or ] a Universal Data Form with the Delete Tradeline option box checked to each consumer reporting agency to which VANCE & HUFFMAN has reported any information about XXXX XXXX XXXX XXXX Prior to any execution of any release of claims by XXXX XXXX XXXX, shall submit to counsel for XXXX XXXX XXXX clear and complete copies of these forms ( with VANCE & HUFFMANs XXXX XXXX redacted if VANCE & HUFFMAN chooses ) and proof that VANCE & HUFFMAN has submitted these forms. Each required XXXX XXXX XXXX or the equivalent must contain VANCE & HUFFMAN certification that it has modified its internal records so that the information to be deleted is not re-reported. In the event Plaintiffs discover, more than fortyfive ( XXXX ) days following VANCE & HUFFMANs submission of the [ XXXX XXXX XXXX XXXX XXXX XXXX as described, that any consumer reporting agency still reports the alleged debt, XXXX XXXX XXXX XXXX XXXX VANCE & HUFFMAN in writing, and VANCE & HUFFMAN will within ten business days re-submit a request for deletion of all reference to the debt.
VANCE & HUFFMAN shall adjust its relevant internal records in a manner that will permanently reflect the agreed-upon status of the debt. VANCE & HUFFMAN agrees to take all steps necessary or appropriate to prevent the re-reporting of any information about the [ alleged ] debt. In the event any such information is re-reported to any consumer reporting agency, VANCE & HUFFMAN agrees to take all steps necessary or appropriate to ensure that the re-reported information is deleted from the files of every consumer reporting agency to which the information was re-reported. Further, should a consumer reporting agency ever notify VANCE & HUFFMAN that XXXX XXXX XXXX is disputing the tradeline, VANCE & HUFFMAN will not verify the tradeline or will confirm that the tradeline should be deleted ; in such an event, VANCE & HUFFMAN will also submit to counsel for XXXX XXXX XXXX, within forty-five ( XXXX ) days after receiving the notification of the dispute from the consumer reporting agency, clear and complete copies of the notification of the dispute and any and all forms ( including electronic forms ) by which it responds to such notification ( with VANCE & HUFFMANs XXXX XXXX redacted if VANCE & HUFFMAN chooses XXXX XXXX VANCE & HUFFMAN further agrees that it will not assign, hypothecate, or transfer the [ alleged ] debt to another creditor, a collection agency, or any other third party, and that it will not alter the account number or otherwise relabel the account. The parties agree that time is of the essence of this contract. This release shall not extend to the obligations created by this Agreement or to any claim or cause of action based in whole or in part upon a communication to a consumer reporting agency after the date of this agreement. | null | V and H Portfolio | MD | 20748 | null | Consent provided | Web | 2022-06-20 | Closed with explanation | Yes | null | 5,688,214 |
2020-03-10 | 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 sent out numerous affidavits of dispute to XXXX and Experian since XX/XX/XXXX. My most recent affidavit was sent out certified mail with return receipts XX/XX/XXXX. Both companies received my disputes on dates XX/XX/XXXX and XX/XX/XXXX. In my dispute letters, I asked for their validity and verification of an alleged bankruptcy on my credit report. Experian failed to provide such verification documents bearing my signature or methods to validate the account. XXXX failed to respond all together to my request, which is a violation of FCRA Sec 611 ( a ) ( 1 ). Within my affidavit of dispute, I enclosed documents from the court that is listed on my report, stating they do not report information to the credit bureaus. I also enclosed information from XXXX stating they do not have any bankruptcy record on file for me so Experian is reporting inaccurate information stating they retained such information from XXXX. I also enclosed information of my XXXX report showing there is no public record on file for me. So with all the supported document I have filed, I request that the derogatory account be deleted from my XXXX and Experian reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 45044 | null | Consent provided | Web | 2020-03-10 | Closed with explanation | Yes | null | 3,561,585 |
2016-08-11 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | I continue to block phone calls from Delta Management, which calls from ( XXXX ) XXXX and ( XXXX ) XXXX. My XXXX app says Delta Management is a mortgage lender. I have a mortgage through a credit union. Today I got a message from my church saying XXXX from Delta Management called to ask if I worked there. This is abusive and illegal. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Delta Management Associates, Inc. | NC | 27707 | Older American | Consent provided | Web | 2016-09-08 | Closed with explanation | Yes | No | 2,058,716 |
2022-03-26 | Checking or savings account | Other banking product or service | Opening an account | Account opened as a result of fraud | I recently noticed I have been a victim of identity theft. There are some accounts that were opened in my name that I did not open. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 19140 | null | Consent provided | Web | 2022-03-26 | Closed with explanation | Yes | null | 5,369,853 |
2017-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have spoken with their customer service, they would not help and take care of the negative inquiries reporting on my credit report. Keep, in mind that I have a fraud alert/ identity theft alert on my account and they did nothing to resolve these fraudulent inquiries.
Also, I disputed these fraudulent accounts because of identity theft multiple times and also sent in multiple police reports/ documentation. The company decided to not take my disputes serious and did not provide valid reasoning for not removing these fraudulent accounts.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX/TOTAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX Account Number - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative inquires : XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX.
Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX, XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX R XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX NA Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry :XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry :XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08085 | null | Consent provided | Web | 2017-11-09 | Closed with explanation | Yes | null | 2,725,179 |
2022-05-24 | 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 | I submitted a dispute in regards to inaccurate information in my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75104 | null | Consent provided | Web | 2022-05-24 | Closed with non-monetary relief | Yes | null | 5,594,189 |
2023-05-20 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your Company didn't even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 ( k ), the term " adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is a violation under 15 USC 1602 ( k ). Further, pursuant to 15 USC 1601 ( a ) a consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple filling errors, and unfair credit card practices. From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ). According to 15 USC 1602 ( p ), The term " unauthorized use '' means a use of a credit card by a person other than the cardholder who does not have actual, implied or apparent authority for such use and from Which the cardholder receives no benefit. I hereby request you to do the below-mentioned things ; Delete tTHIS ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) I demand a validation of debt in pursuant 15 USC 1692g If you accept my request, I will not escalate this matter to Federal Court . In case, you don't accept the above requests, a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter.
Sincerely, XXXX : XXXX All rights reserved without Prejiduce UCC 1-308 | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 95023 | null | Consent provided | Web | 2023-05-20 | Closed with explanation | Yes | null | 7,005,111 |
2020-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I first notified XXXX XXXX back in XXXX of an account that is reporting on my credit report that is not mines. This is account was fraudulent obtained by a relative of mine who has a similar name as mine. I was told from XXXX XXXX attorney to have a copy of a letter notarized from the relative stating that this was not my account and that I was not responsible for the bill. Once I did that I was told by the attorney to send a copy of the notarized letter to XXXX XXXX and they would delete it off of my credit report. I did that as well and it was never deleted off of my Credit Report. XXXX XXXX XXXX XXXX continued to call and harass me regarding this account. They called in XXXX and again in XXXX demanding that I pay this. In XXXX I was told from a representative that they would be deleting it from my credit report and that I would not be getting anymore calls. Upon me trying to obtain a house in XX/XX/XXXX, I discovered that this was still showing up on my Credit Report. I contacted XXXX XXXX by phone in XXXX disputing this account once again. I was told that I owe the money and that I needed to pay it. On XX/XX/XXXX I then sent in a letter to all 3 Credit Bureaus ( XXXX, XXXX, Equifax ) disputing the accuracy of an account reporting on my credit report that was not mine.I was also disputing the several inaccurate addresses on my report that belongs to the relative who obtain the Credit. I also asked the Credit Bureaus to send me documentation that I signed for this loan as well as the name of the person who they contacted from the Original Lender. On XX/XX/XXXX I received dispute results back from all 3 Credit Bureaus stating that the account was verified as accurate along with the different addresses. I never received any other supporting documentation with it. According to the FCRA if the Credit Bureaus nor the Original Data Furnisher can provide me with supporting information within 30 days of the dispute they must delete the inaccurate information from my credit report. How is it possible for all the Credit Bureaus to get accurate information from XXXX XXXX when I truly have proof that this information is inaccurate along with the addresses. That leads me to believe that the Credit Bureaus did not do a thorough investigation nor did XXXX XXXX send them accurate information. I have a notarized letter from the person who got the loan in my name. The notarized letter specifically has his Social Security Number on there along with his full name. On the letter you will see that we have the same first and last name. Same middle initial. However, it is a different Middle name although it is the same INITIAL. As I stated before, I have been dealing with this since XXXX. I have given XXXX XXXX, ALL 3 CREDIT BUREAUS ample amount of time to rectify this issue to be removed off of my credit report. If this is not resolved this time you all leave me know choice, but to retain a FCRA Attorney and file several lawsuits. If won I can be awarded up to {$1000.00} per violation and you all have violated several of my rights. Please have this inaccurate information along with the addresses DELETED immediately from all 3 of my CREDIT REPORTS. This inaccurate information reporting is apprehending me from securing a Home Loan for me and my family. I await an updated Credit Report along with a letter informing me that you all have notified all 3 Credit Bureaus to remove the inaccurate information from my credit report. Respectfully, XXXX XXXX XXXX | null | EQUIFAX, INC. | MO | 631XX | null | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,598,869 |
2022-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | null | EQUIFAX, INC. | IL | 60637 | null | Consent provided | Web | 2022-08-18 | Closed with explanation | Yes | null | 5,894,443 |
2022-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | RI | 02919 | null | Consent provided | Web | 2022-04-08 | Closed with non-monetary relief | Yes | null | 5,421,611 |
2022-01-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have contacted the XXXX Police and the FTC and filed complaints. | null | EQUIFAX, INC. | OH | 43062 | null | Consent provided | Web | 2022-01-12 | Closed with explanation | Yes | null | 5,105,269 |
2018-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91344 | null | Consent provided | Web | 2018-01-03 | Closed with explanation | Yes | null | 2,770,422 |
2022-02-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | This company keeps putting missed payments to keep putting on my report. Also company broke many laws I was never notified of a repo my ex wife was supposed to take over payment. Never was notified when it got repoed to have a chance to but it back up. Now was closed in 2017 but they keep trying to add different close dates to keep it on you can see two different dates on the report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | XXXXX | null | Consent provided | Web | 2022-02-12 | Closed with non-monetary relief | Yes | null | 5,215,962 |
2017-07-28 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I do n't understand how wells fargo allowed someone to rob my savings account. every day.Someone was going to wells fargo ATM in Florida getting taking {$300.00} out everyday starting on the XX/XX/XXXX antil XX/XX/XXXX 2017.also someone was checking account balance in XXXX NC and tried to take out {$400.00} and {$300.00} and {$100.00} in the XXXX NC as well as someone taking money out in Florida. Someone manually keyed Credit card in at a XXXX XXXX XXXX in XXXX XXXX area, I did a fraud claim with the ATM card service nothing has been done. Some one from the Attorney General need to go into that Bank and take over and do a internal investigation. I have seen plenty different face that work there and then leave. please have the FBI go into that location XXXX XXXX XXXX XXXX nc XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NC | 28208 | null | Consent provided | Web | 2017-07-28 | Closed with explanation | No | null | 2,588,764 |
2017-04-14 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran. | null | Collection Bureau of the Hudson Valley, Inc. | FL | 33755 | null | Consent provided | Web | 2017-04-14 | Closed with explanation | Yes | No | 2,433,321 |
2021-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report.
I did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 482XX | null | Consent provided | Web | 2021-04-25 | Closed with explanation | Yes | null | 4,323,122 |
2017-08-18 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt. | null | Navient Solutions, LLC. | SD | 57701 | Servicemember | Consent provided | Web | 2017-08-18 | Closed with explanation | Yes | null | 2,625,846 |
2023-07-29 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with fees charged | A late fee was charged on XX/XX/XXXX which i dont't have a problem with. What i do have a problem with is the fact that the policy of " one late fee waiver for the life of the loan '' has never been disclosed to myself in the 3.5 years that I have had this loan. When trying to talk with customer service, the reps are rude and the supervisors aren't much better in terms of being rude condescending and putting the blame back on the consumer.
Also, I do believe contrary to the sarcastic rude supervisor i spoke with in the XXXX o'clock eastern hour on XX/XX/XXXX that banks are actually required to disclose all policies and procedures. I say this as the supervisor had the audacity to state " Citizens isn't required to disclose any of their policies to acct holders '' That phrase to me seems like a class action lawsuit just waiting to happen ( not stating anything other than what is stated, so don't read into it ) | null | CITIZENS FINANCIAL GROUP, INC. | FL | 32738 | Servicemember | Consent provided | Web | 2023-07-29 | Closed with monetary relief | Yes | null | 7,321,583 |
2023-08-19 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | To Whom It May Concern : I am recent victim of identity theft. Please remove these fraudulent items for the final time because of identity theft. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more explanation on, XXXX XXXX XXXX XXXX, and it need 's to be deleted/removed from my credit report. I also recieved an alert on my XXXX account that a recent account has been opened with my social security number at XXXX XXXX XXXX, The claim # is : ( XX/XX/2022-XXXX ) that does not belong to me. Please help.
THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND XXXX.
FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY! .They do not belong to me. Delete & BLock immediately!
Collection Account : XXXX XXXX ( CREDIT CARD ACCOUNT ) Account Number : XXXX XXXX delete it from my credit report.
Date Opened : XX/XX/2022 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX. | null | EQUIFAX, INC. | MD | 21144 | null | Consent provided | Web | 2023-08-19 | Closed with non-monetary relief | Yes | null | 7,426,821 |