Datasets:

aciborowska

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customers-complaints-eval

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2018-07-08

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

I reviewed my credit report and saw an account in collections from Capital One. I have a Capital One credit card and kept disputing the item until I find out it was being reported as KOHLS/CAPITAL ONE. I immediately filed a complaint with the FTC since I have never used or opened an account with Kohls. I am a victim of identity theft and have filed complaints with law enforcement. I have begun the process of removing all items negative on my credit report that have never been opened by myself. I am attaching the proof of identity theft. I tried to contact the number for Kohl 's and was told they would not talk to me or dispute the item because it was done in the past. I explained to them it was not me who called or disputed anything previously, but they did not want to assist me. I explained and relayed my phone number, email address, and other personal information - all of which did not match the account with Kohls. I was told there was a letter mailed out to me, but I never received it. Approximately two weeks ago, I received a letter addressed to my previous legal name stating there would be no dispute opened due to disputes closed in the past and initiated by somebody pretending to be me and using my information fraudulently. Lastly, I was told the item is not being collected on and all collection activity has stopped, but it is still negatively reporting on my credit report. If this is not resolved, I will be forced to pursue legal action and help prosecute the identity thief to the fullest extent of the law.

CAPITAL ONE FINANCIAL CORPORATION

NV

89141

Consent provided

Web

2018-07-08

Closed with non-monetary relief

Yes

2020-10-26

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I am and for years have been the holder of a Chase Sapphire Credit Card. Since XX/XX/20 Chase has been charging me for principal I do not owe and interest on those charges. Since that date I have paid only for new charges. I have written Chase 10 times since that date but have been ignored each time although Chase has confirmed receipt of my messages. Chase has refused my request to have a Supervisor review my account. Chase has refused to talk to my designated attorney, my husband. Chase has agreed with me on certain disputed items but has not removed them from my account. Chase has charged me for items they refused to pay. Chase ignores me ; hopefully they will not ignore you. The current amount in dispute is {$3700.00}.

JPMORGAN CHASE & CO.

NJ

07430

Older American

Consent provided

Web

2020-10-26

Closed with explanation

Yes

2020-03-30

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

Other personal consumer report

Problem with a company's investigation into an existing issue

Difficulty submitting a dispute or getting information about a dispute over the phone

On XX/XX/2020, I was alerted to a change in my credit score. I saw Capital One checked my credit report, without me contacting them prior. On XX/XX/2020, I called the company 's ' support line ; however, the company would not accept my calls, since I wasn't a customer. Basically, all options from the robotic call center were for customers, and I could not get in contact with anyone.

CAPITAL ONE FINANCIAL CORPORATION

WI

537XX

Consent provided

Web

2020-03-30

Closed with non-monetary relief

Yes

2021-09-10

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

Boeing Employees Credit Union. I before application if the inquiry to XXXX would be " hard '' ( visible to other creditors ) or Soft ( visible to only consumer ). I was told all credit or XXXX inquires related to opening a checking account would be soft in nature. However, when I pulled my XXXX report I saw a hard inquiry date XX/XX/2021. Therefore their representative misinformed. I'm planning to file a police report to have the inquiry removed.

BOEING EMPLOYEES CREDIT UNION

CA

949XX

Servicemember

Consent provided

Web

2021-09-10

Closed with explanation

Yes

2023-03-15

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

Credit reporting

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

Was not notified of investigation status or results

I have noticed many incorrect and unauthorized items appeared in my report.

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2023-03-15

Closed with explanation

Yes

2022-12-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}.

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

Experian Information Solutions Inc.

CA

92627

Consent provided

Web

2022-12-16

Closed with non-monetary relief

Yes

2017-06-29

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

Mailed to XXXX Equifax, XXXX to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. 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-XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

EQUIFAX, INC.

TX

77073

Consent provided

Web

2017-06-29

Closed with explanation

Yes

2017-06-30

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

Credit reporting

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

Investigation took more than 30 days

this company is reporting fraudulantly, this account is being reported as late months when they had not even bought my loan from prior company. statebridge bought loan XXXX 2016. also, there was a three month pa yment arrangement was fullfilled account never late and they are still reporting 30 days late. they 've rejected payments, sent back auto pays, since there employees seem incompetent to apply payments properly and on time.

Statebridge Company

AZ

85040

Consent provided

Web

2017-06-30

Closed with explanation

Yes

2023-05-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complaint last XX/XX/2023 and it was closed immediately and marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. I am a victim of identity theft. The information attached 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.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20785

Consent provided

Web

2023-05-17

Closed with non-monetary relief

Yes

2023-03-11

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Incorrect information on my credit report

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

64083

Consent provided

Web

2023-03-11

Closed with non-monetary relief

Yes

2021-02-01

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Experian has on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX which is wrong with no apartment number. Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX

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

Experian Information Solutions Inc.

NV

89084

Consent provided

Web

2021-02-01

Closed with non-monetary relief

Yes

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

I have been a victim of identity theft.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

115XX

Consent provided

Web

2019-01-31

Closed with explanation

Yes

2016-04-06

Student loan

Non-federal student loan

Dealing with my lender or servicer

Trouble with how payments are handled

I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans.

Navient Solutions, LLC.

NJ

07302

Consent provided

Web

2016-04-06

Closed with explanation

Yes

No

2021-04-17

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I am trying to refinance my home since the rates are so low, however, my credit score has disappeared from XXXX and Equifax. According to XXXX, it is at XXXX but the other two have shown it as frozen or non-existent. I paid XXXX have the scores revealed there, but they are at 0. The only thing we can think of is that when we let the bank know that my mom passed away on XX/XX/2020, something must have also happened to my credit score by XXXX, as that was when I was unable to get my FICO score in my mortgage app. She helped me create a bank account and establish a credit score when I was 18 under her own account. I've tried everything from creating accounts on the credit bureau websites, unfreezing my score, calling customer service, visiting my bank, etc. but nothing has helped me to find what happened to my score. I am still paying my mortgage, I've always paid my credit cards in full and have no delinquent payments. PLEASE help me find out what happened to my score and how I can get it back. Thank you.

EQUIFAX, INC.

MI

48154

Consent provided

Web

2021-04-17

Closed with explanation

Yes

2019-04-25

Credit card or prepaid card

General-purpose credit card or charge card

Struggling to pay your bill

Problem lowering your monthly payments

I have had an American Express XXXX XXXX XXXX for approximately ten years. I have NEVER been late making my payments. In late XX/XX/XXXX or early XX/XX/XXXX I secured permission to spend {$1800.00}, as I planned to travel north to visit family. I planned on purchasing furniture and clothing for my son and paying hotel bills, all just using one credit card. At the time my " Pay over Time Balance '' was about {$1400.00} with a limit of {$3100.00}, at the time adequate to absorb about {$1700.00}. When I returned home in late XX/XX/XXXX, I learned my limit was reduced to {$2000.00}. I was not able to place more than {$600.00} on pay over time, which then raised my minimum monthly payment to {$1100.00}. I have made payments of {$150.00}, {$300.00} and {$610.00}, for XXXX XXXX and XX/XX/XXXX. When I call to complain I speak to someone in a foreign country who doesn't understand English. A collector called 3 days straight harassing me and badgering me to make a payment. I have explained that my payment is " delinquent '' because they have reduced my credit limit unbeknownst to me, and that their actions have interfered with my ability to handle my other obligations, but they indicate that they could care less. All they want is their payment which is impossible for me to make. Also I had almost XXXX reward points down to about XXXX and no one can explain their disappearance. I am considering legal action.

AMERICAN EXPRESS COMPANY

FL

34120

Older American

Consent provided

Web

2019-04-25

Closed with explanation

Yes

2019-11-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.

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

Experian Information Solutions Inc.

NV

89147

Consent provided

Web

2019-11-30

Closed with non-monetary relief

Yes

2022-02-19

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 XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. Sates I have the right to privacy. 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX XXXX {$900.00}

EQUIFAX, INC.

MS

39208

Consent provided

Web

2022-02-19

Closed with explanation

Yes

2021-09-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These are fraudulent and inaccurate items are on my consumer report. I havent received anything regarding these fraudulent accounts, yet they remain on my report. Someone has stolen my identity, and I have also made filed a complaint witht the police officer concerning this matter, as directed by the represented of your company they also told me to send this FTC paper which is attached. These fraudulent accounts must be removed as they are not mine and are identity theft. I am trying to get my house, so my lender told me they can not be in a dispute they need to be removed, so please remove them as soon as possible.

EQUIFAX, INC.

LA

70363

Consent provided

Web

2021-09-01

Closed with explanation

Yes

2023-04-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am submitting this CFPB Complaint to dispute the fraudulent items I notticed beiongreporting on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. The items in question are as follows : XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$830.00} XXXX XXXX XXXX XXXX Unpaid Balance {$93.00} XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

XXXXX

Consent provided

Web

2023-04-21

Closed with non-monetary relief

Yes

2023-02-21

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

I have a credit card with Citi Bank South Dakota and I called to find out why my payment was so high. I am seven days late with my payment. I ask the representative to explain to me why my payment was so high. I was informed that the bank charged me two times with two different interests for one month. My understanding is that the interest is high, 1st interest rate is XXXX dollars and some change and the 2nd interest rate was XXXX dollars for one month and a late fee of XXXX dollars. The representative told me that I was charged twice for being late. I told the representative that they could not do that, but insisted that it was correct. I told the bank representative that was not right. I understand being charged once for the month, but twice, I don't think that is fair, and I told the representative three times they couldn't do that. In the pamphlet, it doesn't state anywhere that you would be charged twice in one month for being late. I got choked and had to hang up the phone. I have been with Citi Bank since 2018 and the first time I have been late on my payment. Thank you for the time to help with this complaint.

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

CITIBANK, N.A.

TX

XXXXX

Older American

Consent provided

Web

2023-02-21

Closed with explanation

Yes

2018-02-16

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

Credit reporting

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

Their investigation did not fix an error on your report

Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30236

Consent provided

Web

2018-02-16

Closed with explanation

Yes

2022-04-26

Credit card or prepaid card

Store credit card

Getting a credit card

Card opened as result of identity theft or fraud

I have a hard enquiry on my credit report. I got notification from XXXX XXXX that a hard inquiry was made by CAP1/XXXX XXXX XXXX CAPITAL ONE, XXXX, VA XXXX XXXX. I have never applied for this credit card. Based on my conversation with CapitalOne customer care, it seems that request for credit card was denied. I'm curious how someone could open an account with all my details without me. I also wanted to know the documents which they have submitted for the application so that I know what all my information have been compromised. This information was not provided by CapitalOne.

CAPITAL ONE FINANCIAL CORPORATION

WA

980XX

Consent provided

Web

2022-04-26

Closed with explanation

Yes

2021-07-22

Student loan

Private student loan

Dealing with your lender or servicer

Trouble with how payments are being handled

I cosigned on a Wells Fargo Student loan for my son back in XXXX of XXXX. It is now 12 years later and my husband and I ate " future '' planning for ourselves, our kids & grandkids. My being a cosigner is having an impact on those plans. I requested my son ask to have me released. We received a letter by the new servicing company, XXXX on XX/XX/XXXX stating we were denied our request all because he made " one '' alleged, late payment in XXXX of XXXX ; over 8 years ago! I spoke with both a representative, XXXX and his Supervisor, XXXX by calling XXXX, today XX/XX/XXXX. Apparently because that alleged, late payment fell " just '' inside the first 24 months of the loan repayment origination date ; it nullified ANY future release of cosigner request. I was told mine and my son 's only options were to ask that they ( XXXX XXXX ) file a complaint on our behalf. Which is an internal conplaint and I'm not able to receive a copy of the filed complaint nor is it likely I will receive a response let alone the complaint actually be reviewed. I believe this regulation of loans prior to XX/XX/XXXX is not only unfair. It is extremely stringent, penalizing of those who have shown good, responsible repayment history and their cosigner 's ( over the existing, life of the loan ), it is out of touch with current regulations and must be changed. *Even someone who files for bankruptcy is forgiven and can start fresh after 7 years in most financial circles. Sincerely,

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

WELLS FARGO & COMPANY

WA

983XX

Consent provided

Web

2021-08-05

Closed with non-monetary relief

Yes

2022-08-06

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I previously received an email from Transworld Systems Inc. informing me that they werre charging my XXXX card for {$410.00} for a computer fraud monitoring system. If I didn't want this charge, I had to telephonically contact them and they would " refund '' this amount. I contacted them and they said they needed my bank checking account number so that they could directly credit this amount to my account. I immediately realized this had to be a scam because I never authorize anyone to have direct access to my bank accounts unless I had previously arranged this process. I immediately hung-up on this person and immediately disconnected my computer from their website. I am a retired XXXX XXXX XXXX and worked XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, etc. ) and know the above described efforts are made by fraudsters. It was also obvious from the Transworld Systems person that they were calling from a foreign country because of his heavy foreign accent.

TRANSWORLD SYSTEMS INC

VA

22407

Older American

Consent provided

Web

2022-08-06

Closed with explanation

Yes

2023-06-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX credit report 3 times for the same application. XXXX were in the same day, but it was their automated system that I didnt authorize to run my credit report XXXX in the same day. The third inquiry for the following day should be the only inquiry on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

485XX

Consent provided

Web

2023-06-17

Closed with explanation

Yes

2019-10-02

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

Last XX/XX/2019 I was fully paid my balances included interest charged.On this XXXX statement I have XXXX balance but they still charged me worth of {$36.00} for this statement.I called the company and I spoke the manager her name is XXXX to requested to waived this interest charged because I have XXXX balance for this XXXX statement .But, she denied my request.Im complaining this company because This not fair to charged me additional interest with XXXX balance in my account..

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

BARCLAYS BANK DELAWARE

NY

XXXXX

Consent provided

Web

2019-10-02

Closed with monetary relief

Yes

2018-02-03

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

I XXXX XXXX have a credit card with XXXX XXXX I have reached to them they have reached out trans union about the fact I have an authorized use my husband XXXX XXXX on my card but I cant get them to report the fact he is an authorized user to his credit

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

43228

Consent provided

Web

2018-02-03

Closed with explanation

Yes

2022-02-17

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I received my credit report and found a collection account that does not belong to me. The collection account is SEQUIUM ASSET SOLUTION, account number XXXX. The original creditor is XXXX XXXX. I do not use XXXXXXXX XXXX nor have I ever. I contacted XXXX XXXX and informed them and they told me to contact the debt collector directly.

Sequium Asset Solutions, LLC

TN

37221

Consent provided

Web

2022-02-17

Closed with explanation

Yes

2022-08-05

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

Credit reporting

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

Difficulty submitting a dispute or getting information about a dispute over the phone

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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

Experian Information Solutions Inc.

NC

28262

Consent provided

Web

2022-08-05

Closed with non-monetary relief

Yes

2022-09-26

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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

Experian Information Solutions Inc.

VA

23601

Consent provided

Web

2022-09-26

Closed with non-monetary relief

Yes

2022-01-10

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

Credit reporting

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

Was not notified of investigation status or results

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

EQUIFAX, INC.

MD

20877

Consent provided

Web

2022-01-10

Closed with explanation

Yes

2021-11-16

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX XXXX account # XXXX disputed several times over 2 years, each bureau is reporting it differently, allowed creditor to report 90days past due every month, with different last active dates, different reporting history, and last payment dates, but came back verified each time, the credit bureas have violated my rights and allowed incorrect information to be reported on my report for 2yrs

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30087

Servicemember

Consent provided

Web

2021-11-16

Closed with explanation

Yes

2019-06-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These inaccurate accounts are reporting on my credit report XXXX XXXX XXXX**** XXXX/XXXX XXXX**** XXXX XXXX XXXX XXXX** XXXX 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

33150

Consent provided

Web

2019-06-06

Closed with explanation

Yes

2023-01-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX 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.

CA

95828

Consent provided

Web

2023-01-10

Closed with non-monetary relief

Yes

2022-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

GA

30093

Consent provided

Web

2022-07-29

Closed with non-monetary relief

Yes

2022-10-29

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I requested verification of their license to collect in Michigan and validation of alleged debts via certified mail. They havent provide me proof of their license. Around XX/XX/2022, they sent over XXXX such as medical bills that included sensitive medical procedures and medications prescribed. I have not signed a XXXX form authorizing the release of this medical information ( XXXX ).

United Collection Bureau, Inc.

MI

48185

Servicemember

Consent provided

Web

2022-10-29

Closed with explanation

Yes

2017-05-22

Student loan

Private student loan

Dealing with your lender or servicer

Trouble with how payments are being handled

In XXXX 2016, the p ayment plan on a number of my private loans with Navient were updated, so I had a lower monthly payment of about {$600.00}. Starting XXXX 2016, we started making additional payments towards the highest interest rate loan of 6 %, the ' XXXX Signature Student '. As additional payments were made, and the balance on the highest interest rate loan went down faste r, Navient began re-dis tributing how the monthly {$600.00} was allocated across all loans by decreasing the amount paid toward the highest interest rate ( XXXX ), a nd increase towards all the others. They did this without our explicit permission, or without notifying us of this change. By changing the payment terms, and applying less towards the higher interest rate loans, Navient is in effect earning more interest on these loans than they should otherwise, had they left the payment terms the same. Interest Rates on Lo ans below, see the attached AllLoans.xlsx document for payment history and dates. Interest Rate Loa n 6 XXXX S ignature Student 4.75 XXXX Signature Student 4.5 XXXX Signature Studen t 4.5 XXXX Signature Student 4.5 XXXX Signature Student 4.5 XXXX Signature Student XXXX XXXX Signature Student 4 XXXX Signature Student 4 XXXX Signature Student 4 XXXX Signature Student 3.75 XXXX Signature Student

Navient Solutions, LLC.

CA

92101

Consent provided

Web

2017-05-22

Closed with explanation

Yes

2018-02-13

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

Credit reporting

Incorrect information on your report

Account information incorrect

Several years ago I spoke with a representative of XXXX XXXX XXXX. I told them that I had sold the business and the new tenant took on the responsibility of the utilities. I have a copy my credit report showing that they are still reporting me as responsible. I also have a copy of the Assignment and Assumption of Lease Agreement that specifically addresses the utility bill issue. I can upload them for your review.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28304

Servicemember

Consent provided

Web

2018-02-13

Closed with explanation

Yes

2020-07-20

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

With Respect, I am XXXX XXXX from XXXX XXXX. Today I have received my credit score report from Equifax. But as per credit score score report my total outstanding amount Rs. XXXX But as per my credit card statement it show Rs. XXXX You can see on attached file. As per practice of credit bureau they does not update individual credit score on monthly basis. Request you to take action on it.

EQUIFAX, INC.

XXXXX

Consent provided

Web

2020-07-20

Closed with explanation

Yes

2022-11-07

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

EQUIFAX, INC.

NY

10977

Consent provided

Web

2022-11-07

Closed with explanation

Yes

2022-06-03

Debt collection

I do not know

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

Under the UCC, I have a right to request accounting. Please provide the original ledger and/or authenticated record for this alleged debt. Please provide the accounting or proof that you lent me anything. UCC 9-102 ( 7 ) states Authenticate '' means : ( A ) to sign ; or ( B ) with present intent to adopt or accept a record, to attach to or logically associate with the record an electronic sound, symbol, or process. UCC 9-102 ( 70 ) states Record '', except as used in " for record '', " of record '', " record or legal title '', and " record owner '', means information that is inscribed on a tangible medium or which is stored in an electronic or other medium and is retrievable in perceivable form. You are required to send all documentary evidence. 15 USC 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. Please provide verification of the claim against me. This means a sworn affidavit or a hand signed invoice in accordance with the UCC. This debt is listed as a charge off on my consumer report. Please provide a 1099c for this alleged debt. The IRS says that charged off debt is ordinary reportable income to the alleged debtor. If you refuse to do this, I will file a 1099c complaint which would then initiate them to file a form 4681 as well as a 3949-A Corporate Tax Fraud complaint and contact you. Charge offs are not debt. You have also used my consumer report as a form of punishment and bringing harm to me by reporting this fraudulent account on my consumer report. That is aggravated identity theft. 18 USC 894 ( a ) ( 1 ) and 18 USC 894 ( a ) ( 2 ) states : Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. I have sent you a cease and desist letter as well. You continue to violate that federal law as well. You are still communicating indirectly through my consumer report. According to 15 USC 1692c you are prohibited from communicating with me. Please know that I have every intent to file suit if this is not resolved within 15 days. You have repeatedly violated my consumer rights. There is no law stating I have to send you a police report signed by a notary. Again, I will not hesitate to file a suit if you continue to break Federal Law and violate my rights.

World Acceptance Corporation

MO

640XX

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2023-06-29

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

CA

92395

Consent provided

Web

2023-06-29

Closed with explanation

Yes

2018-04-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32208

Consent provided

Web

2018-04-12

Closed with explanation

Yes

2022-06-16

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

Credit reporting

Incorrect information on your report

Account information incorrect

I've contacted Equifax to let them know that one on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Equifax states they are not receiving documents even thorough it was sent out twice Account : XXXX

EQUIFAX, INC.

FL

32839

Consent provided

Web

2022-06-16

Closed with explanation

Yes

2019-11-13

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

Credit reporting

Incorrect information on your report

Personal information incorrect

The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

EQUIFAX, INC.

AL

36330

Consent provided

Web

2019-11-13

Closed with non-monetary relief

Yes

2021-12-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XX/XX/XXXX I pulled an Experian credit report. I found XXXX credit files for car loans on the file from XXXX. I called on the XXXX th of XXXX for explanation as I had only requested XXXX auto loans. The first was opened on XX/XX/XXXX for a XXXX XXXX. This loan was then closed and reported as requested by me. I asked for paperwork that I requested this closure which I did not. The second loan opened on XX/XX/XXXX for the same XXXX XXXX. I have no knowledge of this loan and never requested and such loan. I got no response from XXXX on the phone inquiry. I then sent a certified letter on XX/XX/XXXX to the address supplied by Experian. I recieved this letter back from the postal service on XX/XX/XXXX as undeliverable. I wish the XXXX loans removed from my credit report on all credit services as XXXX has violated the fair credit reporting act and possible forgery of banking documents.

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

Experian Information Solutions Inc.

NC

27407

Servicemember

Consent provided

Web

2021-12-07

Closed with explanation

Yes

2017-12-11

Debt collection

Payday loan debt

Communication tactics

Used obscene, profane, or other abusive language

Received a voicemail to call XXXX to verify some information and claimed they have left numberous voicemails in the past. When I called back a woman answered and told me I owed {$91.00} for payday loan they say I took out and when could I pay it. I advised I could n't make payment now and wanted more info but I could n't understand what she said so she transferred me to another woman. This woman yelled at me refused to give me more info regarding the original creditor and said a very rude comment a long the lines that its not a huge debt and should be more than able to afford it. She said they would let the creditor know I 'm refusing to pay. I told her I was n't refusing but needed more information. I asked her not to yell at me and I was trying to get more information she kept yelling than hung up on me. When I called back I was hung up two more times. I finally got through and spoke to a man who was a little more helpful and provided more information. He said they obtained the file in XXXX/17 but they did n't purchase it. He gave me the address of the creditor and name. He also said they are n't in business anymore. If they did n't purchase the debt than they are n't who I need to deal with. So I thanked him and ended the call.

GMA Investments, LLC

WA

XXXXX

Consent provided

Web

2017-12-11

Closed with explanation

No

2021-10-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

GA

30324

Consent provided

Web

2021-10-18

Closed with explanation

Yes

2022-05-31

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 was the victim of identity theft. Per FCRA section 605b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : TRANSUNION COLLECTION : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance {$4000.00} INQUIRIES : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX Balance {$320.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance {$4000.00} INQUIRY : XXXX XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CT

06810

Consent provided

Web

2022-05-31

Closed with non-monetary relief

Yes

2022-05-05

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

Credit reporting

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

Investigation took more than 30 days

I wrote a letter to all the CRA 's : Experian, XXXX, and XXXX on XX/XX/XXXX and they have failed to get back in response to the letter. The account XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$9800.00} referenced above that is being listed on my credit report by XXXX XXXX XXXX This account has not been properly verified and as you know failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Also, the are in violation 15 USC 1681s-2 for failing input a notice of dispute that this account was being disputing. Pursuant to 15 USC 1692e ( 4 ) - Foreclosures, Repossessions, Wage garnishment, or arrests are all illegal in the collection of any debts. This is similar to the 4th amendment. This is violation of 15 U.S.Code 1692e ( 4 ) and is fraud and illegal in the collection of any debts. This is deceptive, fraud, false and misleading and many other things. Please, we have to hold this CRA 's accountable because they are taking advantage us as consumer.

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

Experian Information Solutions Inc.

MO

63137

Consent provided

Web

2022-05-05

Closed with explanation

Yes

2016-05-11

Student loan

Non-federal student loan

Can't repay my loan

Can't get flexible payment options

My loan was suppose to stay in deferment until I graduated from my current program and then payments were suppose to start six months after graduation. I completed my program XX/XX/2016. on XXXX XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Wells Fargo stating that my XXXX loan is now in default and is due in full immediately. When I called them they told me that there was no way they could reverse anything and they would like me to allow them access to my checking account so that they can charge me {$310.00} a month on automatic withdraws. If I had known that the loan payments were required I could have made arrangements to pay them without the account going into default and now my options are limited. As a new graduate I am still trying to make my way and earn funds necessary to pay off the loans I have.

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

WELLS FARGO & COMPANY

TN

379XX

Consent provided

Web

2016-05-11

Closed with explanation

Yes

No

2023-05-05

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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

EQUIFAX, INC.

IN

46254

Consent provided

Web

2023-05-05

Closed with explanation

Yes

2020-09-30

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

In an ongoing effect of being a loyal customer to JPMCB Card Services that closed my account without proper proof, inaccurate information and do to discrimination.

JPMORGAN CHASE & CO.

IL

60419

Consent provided

Web

2020-09-30

Closed with explanation

Yes

2023-02-01

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

78504

Consent provided

Web

2023-02-01

Closed with explanation

Yes

2018-02-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX, Experian and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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

Experian Information Solutions Inc.

NM

875XX

Consent provided

Web

2018-02-20

Closed with explanation

Yes

2018-07-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

Sent pay off check they cashed the denies receiving it I sent a copy of proof they cashed the check and they are still play games with my money and maintain their denier they never cash the check, or give me credit and send my refund

Bread Financial Holdings, Inc.

VA

23455

Older American, Servicemember

Consent provided

Web

2018-07-26

Closed with explanation

Yes

2016-08-07

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

my husband and I have a pa aes student loan we are paying on we signed a agreement in 2013 we also gave permission to to a automatic debit weekly of XXXX dollars we have not missed a payment since we started this they told us 10 payments and we would be out of default I became XXXX and they told me that I needed to fill out paperwork to have the l oans dismissed nlet told me aes has me stil in default I told them no I have not missed a payment since we made payment arrangements and so far I have paid back XXXX since I started paying. I contacted them and they told me that I did not sign the paperwork I told them if I did not sign everything you would not be able to take the paments out why am I in default he told me that I had to start paying them XXXX weekly and when I started paying that and sign new paperwork I would be out of default and they will take all the payments I made and apply it to the loan but in the mean time since they have not taken the money I sent them and put it on the loan al this intrest has build up on it. com on what kind of scam are they trying to putl on me even thought I have been paying faitfully and they had me sign paperwork for automatic deduction and even thought they accepted al lthe money I sent and kept it in ther eaccount and never applied it to minehow do they get away with ripping people off like this its bad enough that my husband has to pay XXXX to a trade school he never hardly went to because he hwas mental at the time and they kept letting him take out student loans knowing he was in no condition to go to school let alone a trade school please can someone help us we have no more money to dish out and they are killing us financially

AES/PHEAA

OH

441XX

Servicemember

Consent provided

Web

2016-08-07

Closed with explanation

Yes

Yes

2020-04-06

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

Credit reporting

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

Their investigation did not fix an error on your report

Experian is reporting a collection in the amount of {$3600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old from date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and is mandated that the account be removed. This false reporting of a collection/chargeoff account is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.

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

Experian Information Solutions Inc.

FL

XXXXX

Consent provided

Web

2020-04-06

Closed with explanation

Yes

2019-08-29

Checking or savings account

Checking account

Closing an account

Company closed your account

On XX/XX/2019, Bank of America made the decision to close my account for a undisclosed reason. I gave my account information out to someone over text message. They were asking to pay off my debt, and I was willing to give them that account information, now I think they have something to do with this. The company didnt disclose why they closed the account though, and that really got on my nerves.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NJ

07726

Consent provided

Web

2019-08-29

Closed with explanation

Yes

2020-08-09

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

The company sent a letter stating they were stopping all collections on this account and it has been deleted from XXXX and XXXX but experian will not delete the account falter submission of the letter from the creditor and proof that it has been deleted from the other credit bureaus. Also submitted proof that other collections accounts have been deleted from my XXXX and XXXX reports but experian still has them on my report which is keeping my score 50+ points below what the other reporting agencies have. Ive submitted this prof in a dispute To experian and theres still no Change

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

Experian Information Solutions Inc.

GA

30305

Consent provided

Web

2020-08-09

Closed with non-monetary relief

Yes

2021-12-26

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

IQ Data keeps trying to collect a debt that is owed by another person. They know the lease was signed by a family member and not me. They have no contract with me but keep trying to claim I am responsible. They also called a friend and told him I owed the debt and threatened to sue him too if he didnt pay. They also lied to me and said they had my signature but they do not. The lease shows its not mine.

T.S. Holdings

CA

949XX

Consent provided

Web

2021-12-26

Closed with non-monetary relief

Yes

2023-02-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to XXXX, Equifax, nor XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.

EQUIFAX, INC.

KS

67207

Consent provided

Web

2023-02-23

Closed with explanation

Yes

2023-01-30

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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

Experian Information Solutions Inc.

CA

95336

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2023-02-04

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, has violated my rights. XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an 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 reason.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78245

Consent provided

Web

2023-02-04

Closed with non-monetary relief

Yes

2021-07-08

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

Credit reporting

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

Investigation took more than 30 days

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports. I have sent a dispute last month and never received a response for. They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

EQUIFAX, INC.

VA

23231

Consent provided

Web

2021-07-08

Closed with explanation

Yes

2021-03-14

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

In latter XX/XX/2020 I signed up with XXXX XXXX XXXX to help with my credit to repair it. They are doing an excellent job on removing items from my credit report. I do not have a complaint with them at all they are doing an excellent job. In latter XX/XX/2020 I felt things were at a standstill and I called PORTFOLIO RECOVERY about two of my bills that they have in their collections office. The accounts are XXXX XXXX account ending XXXX and XXXX 's last four ending XXXX. Both of these accounts are going to be three years old in XXXX. I called them to notify them that the cards were stolen out of my car and that I had a police report but they said there was nothing they could do. Right after that they added {$220.00} to the account and then they put it back on my credit report via the three bureaus. My credit score went down eighty-nine points. My question is how can you add {$220.00} to an account that is charged off and closed with XXXX XXXX but they added this amount like it was a brand new transaction. I have tried to dispute with all credit bureaus but they will not budge.

PORTFOLIO RECOVERY ASSOCIATES INC

KY

40504

Consent provided

Web

2021-03-14

Closed with explanation

Yes

2021-08-08

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

PLEASE REMOVE ALL INCORRECT ITEMS AS A RESULT OF BEING A Victim of IDENTITY THEFT.

Company believes it acted appropriately as authorized by contract or law

Sequium Asset Solutions, LLC

NY

11554

Consent provided

Web

2021-08-08

Closed with explanation

Yes

2019-07-16

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I have been dealing with a fraudulent account situation which began on XX/XX/2019 for two full weeks as of today XX/XX/2019. I was alerted by the establishment after the account was negative. I responded to the alert via the telephone bank representative. After conversing with the representative I visited the local branch. The representative of the local branch informed me that the account was placed into a negative status because of three checks that were fraudulently deposited. I placed a claim and it was denied. The investigation concluded that is was valid do to the use of my pin and card. I went a step higher and spoke with the representative at the executive office. Upon their investigation the conclusion was deemed as valid also. I expressed to the local branch as well as the executive branch the thief has no regard for integrity. He or she does care that there is microchip for the purpose of identification nor my pin has been hacked by following the pattern. I have contacted the Federal Trade Commission also currently awaiting a response. All other precautions have been taken ranging from freezing my credit reports to contacting the Consumer Finance Department.I am seeking all avenues to get this matter resolved.

JPMORGAN CHASE & CO.

TX

75241

Consent provided

Web

2019-07-16

Closed with explanation

Yes

2021-08-31

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

Credit reporting

Incorrect information on your report

Account status incorrect

The company has been posting " late payments '' to the credit bureaus since 2019. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last two years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.

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

Experian Information Solutions Inc.

CA

XXXXX

Older American

Consent provided

Web

2021-08-31

Closed with non-monetary relief

Yes

2023-06-27

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 Follow-up 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 accounts 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 : XXXX XXXX XXXX : {$1300.00} XXXX XXXX Balance : {$1300.00}

EQUIFAX, INC.

MD

20774

Consent provided

Web

2023-06-27

Closed with explanation

Yes

2021-12-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The collection XXXX XXXX in the amount of {$810.00} is not mine and showing on my credit report. I have contacted them several times and they have not complied. I even sent letters to all 3 credit Berueas and they too are not complying and they are not adhering to their timelines. I even have certified letters from all 3 bureaus not once but 2 times for this matter! The last certified mail was on XX/XX/2021 How many times must I send certified letters before I get a response? My original contact with the lender and the bereues was back in XXXX! I have asked to remove this erroneous item from my report. I want this taken off my credit report ASAP. This is not mine, and this is causing me issues in obtaining a mortgage.

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

Experian Information Solutions Inc.

CA

92595

Consent provided

Web

2021-12-10

Closed with explanation

Yes

2022-06-30

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

Credit reporting

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

Investigation took more than 30 days

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, OHIO XXXX ) & ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX 3.XXXX XXXX XXXX 4.US DEPT OF ED/XXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT

EQUIFAX, INC.

GA

30339

Servicemember

Consent provided

Web

2022-06-30

Closed with explanation

Yes

2017-12-15

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 sent written letter to equifax regarding unauthorized inquiries be investigated. However, I have not received a reply into the investigation.

EQUIFAX, INC.

MS

392XX

Consent provided

Web

2017-12-15

Closed with explanation

Yes

2023-01-03

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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. ID FOR COMPLAINT SENT TO 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.

KY

400XX

Consent provided

Web

2023-01-03

Closed with explanation

Yes

2017-06-08

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

Amsher Collection agency is erroneously reporting an account fro XXXX that is the result of identity theft. I have repeatedly requested verification, validation and then submitted a copy of my FTC identity theft report and Amsher has not responded or removed this fraudulent account from my credit report.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

TX

75115

Consent provided

Web

2017-06-08

Closed with explanation

Yes

2022-08-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please block the reporting of any information in my credit file that resulted from alleged identity theft. Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XXXX XXXX, XXXX Balance : $ XXXX

EQUIFAX, INC.

NM

87112

Consent provided

Web

2022-08-29

Closed with explanation

Yes

2018-11-20

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

XX/XX/XXXX i got a car loan through Lobel Financial in XXXX XXXX California. In order for me to drive off the car lot, I had to obtain and show proof of full coverage auto insurance which we maintained while having the car. We moved to XXXX XXXX NV in XX/XX/XXXX. In XX/XX/XXXX they repossessed my car. They told me that I owed {$240.00} for extra fees for not maintaining insurance. We had brought our account current and were only missing the $ XXXX that I refused to pay because we in fact had full coverage the entire time. They repossessed the car unfairly. When I called them the same day it was repossessed I was told that they had to re-evaluate my account and let me know how much to pay to get the car. They did not reach out to me for 3 weeks and said that i needed to pay {$1100.00} + the repo fees and the storage fees. I could not afford that. They continue to increase the amount owed by at least {$300.00} every month on my credit. My car should have NEVER been repossessed. PLEASE HELP, I am working on my credit and trying to just have it removed.

Company believes it acted appropriately as authorized by contract or law

LOBEL FINANCIAL CORPORATION

NV

89121

Consent provided

Web

2018-11-20

Closed with explanation

Yes

2023-07-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Consent provided

Web

2023-07-20

Closed with non-monetary relief

Yes

2022-08-27

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I tried to get late car payments off the credit report. From Toyota and XXXX 's Finacial was told they can't take them off.

TOYOTA MOTOR CREDIT CORPORATION

OH

43229

Consent provided

Web

2022-08-27

Closed with explanation

Yes

2022-02-23

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I am an XXXX XXXX in the public school system, and have been since XX/XX/XXXX. I have been paying off my direct loans through Nelnet since XX/XX/XXXX. When I went to XXXX School WHILE working full time at a XXXX XXXX public school, I called and asked to be able to continue paying my student loans. They placed me on deferment, much to my repeated request not to be. Based on XXXX XXXX XXXX XXXX counts, I would be at XXXX payments as of now and have my loans forgiven if my loans were not deferred. My deferment period was from XX/XX/XXXX to XX/XX/XXXX.

Nelnet, Inc.

CO

80219

Consent provided

Web

2022-02-23

Closed with explanation

Yes

2022-08-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the Fair Credit Reporting act XXXX Account # 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

EQUIFAX, INC.

PA

19120

Consent provided

Web

2022-08-11

Closed with explanation

Yes

2021-03-31

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

Credit reporting

Incorrect information on your report

Account information incorrect

My loan was first due for repayment XX/XX/XXXX. There has been no payments made by me or any representative of me through any fashion in well over the XXXX for this loan. This loan was removed from my credit report several years ago due to the XXXX and there are several inaccurate payments reported on my account that were never made in an effort to re-age this debt and begin collecting on it again. I have sent several requests to XXXX to provide proof of payments made including where there came from and they refuse to provide me with this vital information that would prove that this debt is well past the XXXX to collect and report on. They now have debt lawyers contacting me daily and harassing me for debt that is well past the XXXX and unable to do so on. they also are reporting on my credit a last payment of XX/XX/XXXX currently, which does not reflect the inaccurate information they have of XXXX in their own documents.

EQUIFAX, INC.

CO

80110

Consent provided

Web

2021-03-31

Closed with explanation

Yes

2023-03-11

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 privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX ( CLOSED ) XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

MO

654XX

Servicemember

Consent provided

Web

2023-03-11

Closed with explanation

Yes

2023-07-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023

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

Experian Information Solutions Inc.

FL

33166

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2023-03-14

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 am a Sam 's Club member. I had always use my XXXX XXXX credit card to make payments. I was asked if I wanted to open a Sam 's Club credit card. I was told I would get more benefits. I asked, if there was a monthly card fee ~ I was told " no ''. So, I said, I would apply. I received the card and I have never used it. This card is with Synchrony Bank. I received a statement from Synchrony Bank ~ stating, a balance of {$53.00} and a minimum payment due was {$29.00}. The {$53.00} is the renewal fee for my Sam 's Club membership. *** HERE 'S THE PROBLEM *** I did not authorize this payment!! I state now and for the record this is a fraudulent charge. I bring this to your attention because, IT IS SYNCHRONY BANK WHO CREATED THESE CHARGES. If you need any more information from me, I will be more than willing to comply.

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

SYNCHRONY FINANCIAL

CA

91730

Servicemember

Consent provided

Web

2023-03-14

Closed with monetary relief

Yes

2017-04-27

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

I was informed that my account was closed due to a returned ACH payment, but if I made a valid ach payment for {$320.00} on XXXX XXXX my account would be re-opened, I made that payment and followed u p 2 weeks later only to find out that my account still was closed and I was given inaccurate information. They encouraged me to apply for a new account, which was n't the terms of what I was told. Walmart credti card then opened a case to investigate yet still could not open the card On XXXX I requested that my account either be re-opened or the {$320.00} payment returned to me as I made that payment under false pretenses. However I was told this is not possible

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

SYNCHRONY FINANCIAL

UT

84103

Consent provided

Web

2017-04-27

Closed with explanation

Yes

2021-12-13

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Deposit {$1400.00} was made by another person my Wells Fargo checking account on XXXX XXXX. A few days later XXXX XXXX Wells Fargo sent me an email message that they are putting the deposit on hold until XXXX XXXX. I contacted Wells Fargo, who claimed insufficient fund to clean check. Even though the {$1400.00} was removed form the other person bank ( XXXX ) XXXX XXXX,2021.A statement sent to my buy the person who made the deposit.

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

WELLS FARGO & COMPANY

DE

19701

Older American

Consent provided

Web

2021-12-13

Closed with explanation

Yes

2021-02-14

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

Account is owned by Synchrony Bank -- - Original Message -- - From : " XXXX XXXX XXXX '' XXXX Received : XX/XX/XXXX XXXX XXXX EST To : XXXX Subject : Other Inquiries Hello, We have attempted to pay our balance due on card prior to promotion expiring as we were not aware, but this was denied so we would like to fine a grievance. I'm willing to payoff our balance of XXXXXXXX prior to interest being added last month, but will not pay XXXX now on my card. I will also file a complaint to the " Consumer Financial Protection Bureau '' if we are not able to resolve this issue since this practice does not seem legal or ethical. Thanks XXXX XXXX From : Customer Service To : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you. We apologize for the delay in our response. Your inquiry is important to us. I hope that this message finds you well. Due to the nature of your inquiry, we have escalated your request to our corporate office for handling. You should expect to receive a written response within 7 to 14 business days. We appreciate you as a valued Synchrony Bank account customer. If you have any questions or if we may be of further assistance, please contact us via the Online Message Center or at XXXX Sincerely, XXXX.XXXX Customer Service From : XXXX XXXX XXXX To : Customer Service XX/XX/XXXX XXXX EST Reply Hello, We have not received any written responses from you and would appreciate your attention to our inquiry. Thanks XXXX

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

SYNCHRONY FINANCIAL

NH

032XX

Servicemember

Consent provided

Web

2021-02-14

Closed with monetary relief

Yes

2023-06-04

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

The credit bureaus are disrespecting the laws. I have showed them numerous of times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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

Experian Information Solutions Inc.

NC

287XX

Consent provided

Web

2023-06-04

Closed with non-monetary relief

Yes

2021-08-18

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

Credit reporting

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

Investigation took more than 30 days

I recently sent disputes letters to Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

EQUIFAX, INC.

NC

27704

Consent provided

Web

2021-08-18

Closed with explanation

Yes

2023-03-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some inaccurate personal information left that need to be removed. This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any inaccurate personal information 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 information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INFORMATION deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

NV

89102

Consent provided

Web

2023-03-31

Closed with non-monetary relief

Yes

2017-08-21

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

Credit reporting

Incorrect information on your report

Account information incorrect

re : my mortgage with XXXX XXXX Mortgage loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XXXX never wrote me or call me to ask me about this missing payment So on XXXX XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.

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

Experian Information Solutions Inc.

AZ

XXXXX

Consent provided

Web

2017-08-21

Closed with explanation

Yes

2023-09-14

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75104

Consent provided

Web

2023-09-14

Closed with non-monetary relief

Yes

2023-08-19

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

Over 2 days I had 2 hard inquiries on my credit report from Thd/Cbna that were made, that weren't me, and I gave no permission, and am no co signer of any kind! 1 hard inquiry was XXXX, 1 XXXX. The company is located in XXXX Tennessee, I've called repeatedly, but theres no custom service, and no live agent to speak with! I fear this may be identity theft, or possibly a debt collector making illegal hard inquiries on my credit report! The dates of these instances were around XX/XX/XXXX of XXXX separate hard inquiries

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

CITIBANK, N.A.

MA

XXXXX

Servicemember

Consent provided

Web

2023-08-19

Closed with explanation

Yes

2021-01-14

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

On or around XX/XX/2020, Synchrony Bank started reporting a fraudulent credit account they purchased from Paypal. I immediately reported this PayPal account as fraudulent not belonging to me. I also filed a complaint with CFPB in regards to the sell and purchase of this fraudulent account. I disputed this account directly with Synchrony and request verification of proof of purchase, signature and documentation showing who opened and sign for the account and purchases. I asked for an itemized statement showing how they calculated and came up with said outstanding balance. To date Synchrony Bank has refused to validate this fraudulent claim and now reporting this account delinquent with the three major credit bureaus in directly violation of the FCRA and FDCP. I am requesting an investigation into this blant abusive practice of buying fraudulent accounts refusing to allow consumer to dispute said account and Synchrony Bank blatant violation of the FCRA.

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

SYNCHRONY FINANCIAL

MD

XXXXX

Consent provided

Web

2021-01-14

Closed with explanation

Yes

2019-03-13

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX and Equifax credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. XXXX XXXX XXXX responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX/XXXX XXXX was the same in their refusal to delete even though the CA they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

EQUIFAX, INC.

CA

94531

Consent provided

Web

2019-03-13

Closed with explanation

Yes

2023-05-01

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$71.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

EQUIFAX, INC.

DC

20019

Consent provided

Web

2023-05-01

Closed with explanation

Yes

2023-04-03

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

On the XX/XX/2023 SYNCHRONY FINANCIAL have an prequalified tool that I used on their website that advised multiple places on the page that Ill will not affect my credit score and after processing the pre qualification they put an hard inquiry on my credit report that I did not authorize. This false advertising on their website. I would like for this company to update this information on their website and remove this inquiry on my credit report.

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

SYNCHRONY FINANCIAL

FL

33009

Consent provided

Web

2023-04-03

Closed with explanation

Yes

2020-02-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I AM REQUESTING THAT AN INVESTIGATION AND REMOVAL TAKES PLACE ON THE FRAUDULENT ACCOUNTS THAT HAVE BEEN PLACED ON MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN A NUMEROUS AMOUNT OF ACCOUNTS. I HAVE NO IDEA AS TO HOW THAT INDIVIDUAL GAINED ACCESS TO MY PERSONAL INFORMATION. PLEASE BE ADVISED THAT THIS HAS HAPPENED WITHOUT MY KNOWLEDGE OR PERMISSION. I AM HAVE BEEN UNDER A LOT OF STRESS BECAUSE OF THIS AND I FEEL LIKE MY LIFE WILL REMAIN AT A STANDSTILL UNTIL THIS SITUATION IS RESOLVED. MY FUTURE DEPENDS ON THIS MATTER BEING RESOLVED SO I AM ASKING THAT ACTION TAKES PLACE IN A TIMELY MANNER.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33161

Consent provided

Web

2020-02-19

Closed with explanation

Yes

2019-11-11

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

This company is unknown to me. I dont have a personal, professional or financial relationship or responsibilities with them. I have never signed any documents agreeing to a financial account with them. The derogatory remarks that are being left on my credit reports are degrading and unfair. If this company has any information about me, it is unverifiable and in non valid. I want this detrimental information removed from my credit information from each of the major credit bureaus as soon possible.

Ad Astra Recovery Services Inc

AR

721XX

Consent provided

Web

2019-11-11

Closed with explanation

Yes