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customers-complaints-eval

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2020-11-05

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

To whom it may concern, On XX/XX/XXXX I mailed out three ( 3 ) dispute letters one to each of the credit reporting agencies XXXX, Equifax, and XXXX XXXX under the FCRA section 609 ( a ) ( 1 ) ( a ) law to conduct and provide me with proof of the original contracts with my signature on negative items and inquiries that are being reported on my credit reports are mine and they have yet to do so within the thirty ( 30 ) days that they are allowed to have in order to prove ownership and accuracy of information that is being reported.There has been no correspondence with them providing me with any information or update on the status of my disputes. Also on XX/XX/XXXX I sent out three ( 3 ) thirty ( 30 ) day demand to comply letters, one to each of the credit bureaus XXXX, XXXX, and Equifax because they have broken the law by not providing proof or correcting the items being disputed in the time frame permitted by law.

EQUIFAX, INC.

GA

XXXXX

Consent provided

Web

2020-11-05

Closed with explanation

Yes

2020-04-02

Checking or savings account

Checking account

Opening an account

Unable to open an account

I fil a dispute later to the company no respon

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

33411

Consent provided

Web

2020-04-02

Closed with explanation

Yes

2022-08-02

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

Credit reporting

Incorrect information on your report

Account status incorrect

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. XXXX XXXX XXXX XXXX : {$28000.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

853XX

Consent provided

Web

2022-08-02

Closed with non-monetary relief

Yes

2023-09-02

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I had a loan with XXXX XXXX XXXX XXXX. I had XXXX issues with XXXX Then they sold off all of these loans to a company called XXXX XXXX XXXX and it has been a nightmare ever since!! They report my loan 30 days past due every 10-12 days. I have been paying them every single month. Since XXXX of XXXX until now XXXX has not responded to any of the 30 emails sent. Their reps when you call are cluesless and rude and do not fix anything. They are destroying my credit while i am paying them. Which is ridiculous and they refuse to fix the problem. I have filed disputes with XXXX and XXXX and sent documentationa and they have not fixed either. This company does nothing. I find it strange that I had XXXX problems with XXXX XXXX and now there are thousands of complaints since sell off to XXXX XXXX. This company is a disgrace and they should not be able to report anything, Also online you can not see previous statements nor can you look up more than past 6 months of payments. This is fraud and a scam

EQUIFAX, INC.

CA

92883

Consent provided

Web

2023-09-02

Closed with non-monetary relief

Yes

2021-05-17

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

On XX/XX/XXXX or XX/XX/2021 my credit limit was decreased from {$6200.00} to {$500.00}. This is the only month I've paid after the due date going on 2 years. All of my accounts are on autopay and I thought this was too. The credit report Chase used has a lot of incorrect info such as account inqueries from companies in which I've never attempted to do business. I was on hold for 55 minutes and eventually spoke to an agent who refused to restore my limit.

JPMORGAN CHASE & CO.

TX

77586

Servicemember

Consent provided

Web

2021-05-17

Closed with explanation

Yes

2023-03-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Transunion, LLC., is furnishing a Consumer Report without permissible purposes. XXXX XXXX XXXX Doing Business As Chief Executive Officer of Transunion, LLC., and Transunion , LLC. , are committing Racketeering Activity in addition to Aggravated Identity Theft, and violating the Graham-Leach-Bliley Act . I am demanding that Transunion, LLC., remove these inquires the consumer report of XXXX XXXX XXXX XXXX Consumer, or a lawsuit will be filed in Federal District Court .

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33167

Consent provided

Web

2023-03-26

Closed with non-monetary relief

Yes

2023-06-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent my FTC report, PA license, and 15 USC 1681c-2 to Transunion, XXXX, And XXXX through certified mail. I requested to block the fraudulent information from my consumer report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

190XX

Consent provided

Web

2023-06-02

Closed with non-monetary relief

Yes

2018-07-09

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX 2017.

AES/PHEAA

NC

27529

Consent provided

Web

2018-07-10

Closed with explanation

Yes

2021-02-20

Debt collection

Other debt

Communication tactics

Used obscene, profane, or other abusive language

IQ Data International called me in XXXX stating I owed a debt from XXXX from an old apartment. It is now XXXX. They demanded that I check my credit score and tell them my credit score, apply for loans, take out tax advance loans or other forms of loans/debt to pay them. They kept me on the phone for long periods of time and hold times to harass me and bully me. They added over {$400.00} interest supposedly to this debt which I do not know if it is legal. I have paid them {$50.00} plus an additional {$70.00} in XXXX. They called me today XX/XX/XXXX stating the payment declined and that I needed to pay today or further action would be taken and it would be escalated. I advised the rep about personal things happening in my life and I needed to talk to an attorney possibly about this. I also said I was going to the hospital for an emergency and she wanted to keep me on the phone saying that did not matter. She also told me I was threatening her with an attorney and needed to take care of this and that I agreed to it. Someone else got on the phone after placing me on hold and said I need to file my taxes and that it only takes 25 minutes and I need to call by Monday at XXXX or escalation would take place. Prior to todays phone call, I asked them to mail me a copy of the debt which they did. I actually got it in the mail today. I am disputing the cleaning charge, carpet cleaning charge, stain removal charge. We moved out of that apartment and it was very clean and tidy. I emailed them asking to no longer contact me by phone today.

Company believes it acted appropriately as authorized by contract or law

T.S. Holdings

WA

98584

Consent provided

Web

2021-02-20

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 status incorrect

Hello my name is XXXX XXXX I am XXXX years old right after I graduated high school I went to live on campus in college but unfortunately it didnt go so well because later I found out my ex roommate was using my name and my personal information under a lot of fake accounts which she is currently in jail because of her actions and facing years in jail for fraud I even have my police report Its been years since I contacted all the debt collection to let them know that it wasnt me my parents even hired someone to help me fix my credit I wasnt even XXXX years old by that time they told me they were going to fix everything but recently I was trying to purchase a car unfortunately I wasnt able to do that because of my credit and I decided to made XXXX account to learn more about my credit as I was checking I see it alot of old fraud infos fake errors on my account. one of them is PayPal it shows that I had a An account since 2015 with them but that time I wasnt even XXXX years old yet so I dont really understand how but its been three years since they have been reported me and another company Which is XXXX XXXX they keep on reported me messing up my credit please help me get my identity back.

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

SYNCHRONY FINANCIAL

FL

33150

Consent provided

Web

2018-07-31

Closed with non-monetary relief

Yes

2023-06-19

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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

Experian Information Solutions Inc.

NV

89120

Consent provided

Web

2023-06-19

Closed with explanation

Yes

2022-10-28

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33157

Consent provided

Web

2022-10-28

Closed with explanation

Yes

2015-09-22

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

Some debt collector keeps calling my work number ( which is a call center ) and leaves a message indicating that they have case in their office that requires immediate attention. There is no contact information left and this happens throughout the day several times. XXXX numbers that call appear to be local XXXX and XXXX.

Company believes it acted appropriately as authorized by contract or law

ERC

FL

32244

Consent provided

Web

2015-10-19

Closed with non-monetary relief

Yes

No

2021-09-10

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Debt of {$940.00} submitted to Credit Collection Services in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX. Notified through credit monitoring service that collection was filed against me. After speaking with several representatives, I was told this account was opened on XX/XX/XXXX. I had no knowledge of nor authorized the opening of such account with my name attached. Several attempts to reach the company have been unsuccessful since a policy number is requested to access connection to a live person.

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

WV

XXXXX

Servicemember

Consent provided

Web

2021-09-10

Closed with explanation

Yes

2017-09-09

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

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

I submitted a request for a free annual credit report from XXXX via the XXXX website. However, the site tells me that I need to mail in copies of my social security card, driver 's license, XXXX info, etc. in order for me to receive a paper copy of the report. What 's the point in having an online service if you ca n't receive the report online. Further, sending all that personal information through the mail invites identity theft.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MN

55347

Consent provided

Web

2017-10-05

Closed with non-monetary relief

Yes

2022-07-06

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

Credit reporting

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

Was not notified of investigation status or results

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately XXXX. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77095

Consent provided

Web

2022-07-06

Closed with non-monetary relief

Yes

2022-11-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claims the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

EQUIFAX, INC.

IL

60901

Consent provided

Web

2022-11-05

Closed with explanation

Yes

2023-04-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft please remove this fraud inquiry from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19132

Consent provided

Web

2023-04-18

Closed with non-monetary relief

Yes

2023-07-18

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

Credit reporting

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

Was not notified of investigation status or results

I am reaching out to request the immediate deletion and removal of the following accounts and associated information from my consumer report. It is crucial that these accounts and details are not reported, as their inclusion constitutes a direct violation of the FDCPA and FCRA. This violation involves several laws and must be rectified by promptly removing these accounts and information from my consumer report. I insist on their immediate removal to ensure compliance with the relevant regulations. Please take immediate action to address this matter.

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

Experian Information Solutions Inc.

FL

33426

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2021-09-10

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

Credit reporting

Incorrect information on your report

Personal information incorrect

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.

EQUIFAX, INC.

FL

32839

Consent provided

Web

2021-09-10

Closed with explanation

Yes

2023-07-06

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

Credit reporting

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

Was not notified of investigation status or results

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX. I want to emphasize that I did not authorize any of this information to be associated with my name, as 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.

FL

33615

Consent provided

Web

2023-07-06

Closed with non-monetary relief

Yes

2022-09-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

EQUIFAX, INC.

GA

31520

Consent provided

Web

2022-09-23

Closed with explanation

Yes

2022-07-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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.

EQUIFAX, INC.

TN

38118

Consent provided

Web

2022-07-11

Closed with explanation

Yes

2015-10-30

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt.

Company believes it acted appropriately as authorized by contract or law

ERC

IA

XXXXX

Servicemember

Consent provided

Web

2015-11-13

Closed with non-monetary relief

Yes

Yes

2018-07-03

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX. somehow indicated a debt on my account. I called XXXX at least 3 times and confirmed their system was fixed and doesn't show any debt. Then, coming out of blue, debt collection agent starts to call my cell and send me mails regarding {$160.00} debt, which is not valid at all. I called both collection agent and XXXX and nobody knows what happened and what to do. Now, a different collection agent starts to send me mails for this debt. This is so ridiculous and unacceptable.

American Coradius International LLC

CA

94404

Consent provided

Web

2018-07-03

Closed with explanation

Yes

2020-11-12

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

When I cancelled my account I had rewards dollars in the amount of {$110.00}. I asked how to redeem these and was told the easiest way was to just subtract them from my final balance. When I received my final statement of {$180.00} the amount owed was not adjusted for my rewards money. I reduced the amount by {$110.00} and sent them a check for the balance of {$70.00} and considered the matter closed on XX/XX/XXXX XXXX. I also printed a disclosure on the back of my check stating that if the check was cashed my account will be considered paid in full. The check was deposited. When I contacted them about this in XXXX I was told that the employee should not have told me that it would be reduced.I now have received a notice that I owe them {$140.00} including a late fee of {$25.00}. I feel I do not owe them anything and want a letter from this company accepting responsibility for this matter and they consider the balance paid.

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

WELLS FARGO & COMPANY

WI

53189

Older American, Servicemember

Consent provided

Web

2020-11-12

Closed with explanation

Yes

2018-04-04

Vehicle loan or lease

Loan

Struggling to pay your loan

Denied request to lower payments

Gm Financial continued to call me after informed them several times in XX/XX/XXXX and XX/XX/XXXX that I am victim of XXXX XXXX, and I am XXXX. They violated my safety when they called my ex who the restraining order is issued against providing him with my address and asking him if he has seen the car, spoke to me and GM representatives asked him to contact me. I informed GM via email to NOT contact my ex I have restraining order against him and they still continued to contact him. They violated my safety, health and well being of my XXXX minor children.

General Motors Financial Company, Inc.

CA

94568

Consent provided

Web

2018-04-04

Closed with explanation

Yes

2018-06-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

These are not my accounts I want them remove off my report

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

Experian Information Solutions Inc.

IL

60153

Consent provided

Web

2018-06-10

Closed with explanation

Yes

2020-10-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so 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.

TX

XXXXX

Consent provided

Web

2020-10-02

Closed with explanation

Yes

2022-10-26

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

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

33196

Consent provided

Web

2022-10-26

Closed with non-monetary relief

Yes

2021-12-15

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

Credit reporting

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

Investigation took more than 30 days

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.

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

2021-12-15

Closed with non-monetary relief

Yes

2018-10-22

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

Filed Chapter XXXX Bankruptcy in XXXX case XXXX. I signed a reaffirmation agreement with Bank of America on XX/XX/XXXX taking the amount of the loan from {$68000.00} to {$45000.00} leaving a cram down amount of {$23000.00}. Per the debtors confirmed bankruptcy plan docket XXXX filed on XX/XX/XXXX Bank of America had the right to place the {$23000.00} with the Class 7 unsecured claims and failed to do so. By Bank of America not petitioning the cram down amount to be placed in the Class 7 claims at confirmation of the plan as stated in the Class 7 claims and Class 2 claims that debt should any lender not file a proof of claim, not contest any amendment disputing their claim, nor contest an objection made to their claim, such claim shall be treated only as a Class 7 claim, if allowed, and such lender shall be bound by the 524 injunction issued at confirmation of the Plan. At this time Bank of America, XXXX / XXXX and XXXX XXXX have all violated the plan by asking for this discharged debt. XXXX XXXX has included this cram down in my payoffs and in the foreclosure action taken against my loan. As I stated in my previous CFPB complaints BAC placed insurance on my loan per the loan history in XXXX while this property was under a federal stay. This was an encumbrance on the debtor and the asset and a direct violation of docket 382 ARTICLE IX section 3 ( iii ) ( iii ) creating, perfecting otherwise enforcing in any manner, directly or indirectly, any encumbrance of any kind against the Debtor or the assets of the Debtor or the Trust or any direct or indirect successor in interest to any of the Debtor, or any assets of any such transferee or successor other than as contemplated by the Plan ; The plan prohibited Bank of America to place insurance and charge the debtor while the debtor was under a federal stay. The Plan prohibits XXXX to collect the amount of {$19000.00} listed as BK cost under FEE DETAILS.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

OH

45042

Consent provided

Web

2018-10-22

Closed with explanation

Yes

2017-12-14

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

I was evicted from XXXX XXXX XXXX in 2012. I have only lived there 1 time. They have put 2 judgements on my credit and a collection for {$6700.00}. Over the past year I was able to file a motion to dismiss on of the judgements. But I can not get in touch with anyone at the collection 's company ( US Collections West, INC ). I disputed the collection with the credit bureaus and the collection company sent a letter back providing documentation from the Apartment complex ( a list of things they did, renewal of lease, etc. ), they took out the amount of my deposit that I paid which I believe should have been applied towards that amount they are charging and not just dismissed. The Apartment complex has a judgement for the owed rent and it looks like they have put that into the collection amount as well. I tried to call the apartment complex to have them explain everything with me so can can get it resolved. I can not get them to call me back. I have called many times in the past and get avoided. I called this morning from my work and they answered. I explained what was going on and got put on hold. The line dropped I called back 3 times in a row from my work line and received no answer. I called from my cell phone and they picked up took my number and said they will give me a call back. I feel like I am being harassed/haunted by this debt. I do not believe I owe the {$6700.00} collection. I will pay the judgement. I am at fault for letting it the eviction happen. But I do n't know how to get rid of anything if nobody will talk with me. I was looking at possibly settling the collection just to make it go away. but I can not get anybody to work with me. I think this whole experience is really unfair and unlawful. Please HELP me. Thank you.

U.S. Collections West, Inc.

WY

831XX

Consent provided

Web

2017-12-20

Closed with explanation

Yes

2020-01-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Per FTC sec XXXX credit agencies are not validating credit account. They are simply verifying my information.

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

Experian Information Solutions Inc.

CA

95822

Consent provided

Web

2020-01-17

Closed with explanation

Yes

2021-09-25

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

Credit reporting

Incorrect information on your report

Account information incorrect

Experian keeps reporting late payment on my credit report for the month of XX/XX/2021. THis is inaccurate. I've reached out to them XX/XX/2021 disputing this but no response or action to remove this has been taken.

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

Experian Information Solutions Inc.

CO

80017

Consent provided

Web

2021-09-25

Closed with explanation

Yes

2021-07-05

Checking or savings account

Checking account

Opening an account

Account opened as a result of fraud

I have called Bank of America twice and reached out to XXXX XXXX XXXX in XXXX, and XX/XX/XXXX to remove the account fraud activity from XXXX XXXX XXXX. I have yet to be able to open a check account. This was not a fraudulent activity, the account was opened and a check was bounced but my paycheck was direct deposited in my account. I also filed bankruptcy and this should have been included. I didn't owe anything to Bank of America they took XXXX dollars from me and closed the account and sent XXXX a fraudulent activity.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

GA

30252

Consent provided

Web

2021-07-05

Closed with non-monetary relief

Yes

2023-06-12

Checking or savings account

Savings account

Closing an account

Funds not received from closed account

I've now filed with you the CFPB ABOUT THIS SITUATION MORE THAN SEVERAL TIMES TO NO AVAIL! IT APPEARS THAT THE CFPB IS COMPLICIT WITH THE FACT THAT JPMORGAN CHASE HAS INFACT STOLEN MY ENTIRE SAVINGS ACCOUNT! *** ON XXXX XXXX I AWOKE TO EMAILS STATING MY BANK ACCOUNT AT XXXX XXXX ( OWNED BY JPMORGAN CHASE BANK ) WAS BEING CLOSED! NO REASONS WERE GIVEN OR FOUND TO BE OF ANY FAULT OF MY OWN IN REGARDS TO SAID CLOSURE! I HAVE SCREENSHOTS OF MY BALANCES AND IN ONE DAY IT WENT FTOM OVER XXXX XXXX DOWN TO XXXX XXXX THEN TOO XXXX! I ONLY RECEIVED A CHECK FOR A LITTLE OVER {$800.00} AND JPMORGAN ACTUALLY BLOCKED ME FROM CASHING IT OR DEPOSITING IT INTO MY XXXX BANK ACCOUNT! I HAD TO CALL AND YELL AT THEM AS THEY WERENT MY BANK THAT I KNEW OF AS I HAD MY ACCOUNTS AT XXXX XXXX! UNBEKNOWNST TOO ME JPMORGAN CHASE OWNS XXXX XXXX WHICH IS WHY THE FINAL CHECK ( THEY STATED IT WAS THE FINAL CHECK ) WAS DRAWN BY JPMORGAN CHASE. IVE REPEATEDLY ASKED THEM WHERE MY SAVINGS IS, THEYVE REPEATEDLY LIED AS THEY DID ABOUT THE FRAUD ON MY ACCOUNT! THEY KEPT TELLING ME ALL LAST SUMMER THAT THEY COULDNT SEE THE MESSAGES THAT THE COMPUTER WAS SENDING ME IN THE APP ON MY PHONE,? MAKES NO SENSE BECAUSE THOSE MSGS LISTED TRANSACTIONS AND SHOWED THE BALANCES AFTER SAID TRANSACTIONS! HOW CAN ANY BANK STATE THAT THEY DONT SEE THE MONEY? THEN HOW ARE THEY A BANK!??? THEYRE LIARS! THEY CLOSED THE ACCOUNTS BECAUSE AS THEY ALSO STATED TO ME : " IF THIS ACCOUNT GETS CLOSED, WE DONT HAVE TO REPAY YOU FOR ANY FRAUD OR THEFT ON OR IN YOUR ACCOUNTS!!! THEN LAUGHED AND HUNG UP, THEN BLOCKED MY NUMBER SO I COULDNT CALL THEM! THE MONEY THEY STOLE WAS FOT MY FIRST HOME! ID LIKE IT BACK WITH INTEREST AND FEES FOR THE THEFT OF IT IN THE FIRST PLACE! THANK YOU! *** SO WE'RE CLEAR HERE AND THERES NO MORE PROBLENS*** I WANT CHARGES BROUGHT AGAINST JPMORGAN CHASE BANK ! *** THEYRE THE ONES WHO ISSUED THE CHECK FOR THE CLOSURE OF ACCOUNTS SO THEYRE RESPONSIBLE FOR IT!!!! ....

JPMORGAN CHASE & CO.

NY

XXXXX

Consent provided

Web

2023-06-12

Closed with explanation

Yes

2017-06-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Problem is with Experian. Thanks to them someone with my same name who stole my social security number opened a Credit Card. The person never paid it. After I submit a fraud alert and an investigation, they still kept the address of the thief, even though that address stand out from the rest which are all on the same state, except for that one. Trying to get them on the phone is impossible. And the online options to submit additional information to clarify the problem or chat with a representative are virtually non existent. What a nightmare.

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

Experian Information Solutions Inc.

PR

00957

Consent provided

Web

2017-06-16

Closed with explanation

Yes

2022-10-24

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

Credit reporting

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

Was not notified of investigation status or results

Again you telling me a computer reach out and talk to someone and verify all my information and and again by law I'm asking you to please provide me with the information by FCRA act. All my rights been violated violated by all three major credit bureaus along with consumer financial protective burea... I'm ask by law whom did you talk to time date phone number

EQUIFAX, INC.

CA

90017

Consent provided

Web

2022-10-24

Closed with explanation

Yes

2023-02-15

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

The following inquiries are fraudulent XXXXXXXX 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

30328

Consent provided

Web

2023-02-15

Closed with non-monetary relief

Yes

2022-08-05

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 XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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

Experian Information Solutions Inc.

TX

77090

Consent provided

Web

2022-08-05

Closed with non-monetary relief

Yes

2023-03-21

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Application denied

I applied for the Visa Platinum card with Alliant Credit Union. I was APPROVED for the card pending " verification of self employment income '' I provided proof that I have been self employed since XXXX. I was asked why my name was different on the two most recent tax returns. I explained that I had gotten divorced in between the time of filing the returns. I supplied my divorce decree proving that I was no longer married and was using my maiden name. Then I was asked about child support payments and if I could prove I received those payments with 3 months of full bank statements. I have emails saying that I was approved and on XX/XX/XXXX the extension of {$5000.00} was rescinded with little to no explanation. I feel like I was discriminated against.

ALLIANT CREDIT UNION

NY

10471

Consent provided

Web

2023-03-21

Closed with explanation

Yes

2018-03-15

Checking or savings account

Checking account

Managing an account

Banking errors

XX/XX/XXXX To : Bank of America From : Complainant XXXX XXXX Re : Stolen Funds {$78000.00} ( 20 % compounding interest ) plus {$100.00} late fee/month, personal time $ XXXX/hour, gas expense {$150.00} I have submitted numerous complaints against Bank of America and XXXX XXXX XXXX regarding theft XXXX XXXX stole my bank accounts and cash my two checks WITHOUT my consent at all. As I stated numerous time to both banks, law enforcement, CFPB, FTC as well as all other law enforcement, court etc. that I do NOT know theft XXXX XXXX at all. I NEVER authorized this theft to do anything on my behalf. However under my numerous times complaints to all kinds of law enforcement agency and court to collect my stolen funds, until now 5 years passed this theft continue to hold my funds without return. I do NOT know why this theft can escape justice system without going to jail. According to the amount she owed me, she should go to federal jail for at least 20 years plus life time restraining order against this theft not to access, release, threat, harass, stalk to myself and my personal information. On XX/XX/XXXX theft XXXX XXXX illegally withdraw {$9800.00} from my bank of America accounts. She has used my name to withdrawl the funds and then closed all my accounts without my consent at all. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at all. She also ordered the bank to send my monthly statement to her address without my consent. On XX/XX/XXXX theft XXXX XXXX illegally withdrawl {$68000.00} from my XXXX XXXX account without my consent. She has used my name to fill out the withdrawl slip. And she signed her name at the bottom of the withdrawl slip. ( See evidence ). After she withdrawl my funds, she illegally closed my account without my consent. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at ll. She also ordered the XXXX XXXX to send my monthly statement to her address without my consent. In XX/XX/XXXX theft XXXX XXXX obtained two checks each was {$370.00} total {$750.00}. Two checks were paid to me with my name on the checks. Two checks were issued by XXXX XXXX XXXX. She endorsed on the back of the checks when she went to the bank to make deposit without my consent at all. She illegally obtained all my mail and transferred my mail to her address. I have post office letter as evidence showing she is a mail theft. In XX/XX/XXXX she caused me extra {$150.00} loss because she closed my Bank of America accounts causing all my paid checks to the county to be bounced. I have sent my payment before due date, however due to closed accounts caused by her it caused me extra {$150.00} loss. XXXX XXXX XXXX still owe me {$9.00} because the check was cashed by someone else. I have asked XXXX XXXX to return, until now this amount was never returned. Due to the above facts and all evidence such as withdrawl slip, bank letter, police report, FTC identity theft report. I am asking Theft XXXX XXXX to go to federal jail 20 years. Bank of America and XXXX XXXX XXXX should return the following : All stolen principle : {$68000.00} plus {$9800.00} plus {$750.00} plus {$150.00} plus {$9.00} total : {$79000.00}. She returned {$57000.00} until XX/XX/XXXX. The difference was {$21000.00}. Because original matter was caused by XXXX XXXX XXXX county when I report burglary. Therefore I have to charge 20 % compounding interest on the daily basis. Two banks owe me : 1. 1st year : Principle {$21000.00} plus interest {$15000.00} XXXX she used my funds {$79000.00} for whole year from XX/XX/XXXX to XX/XX/XXXX ). 1st year she owed me {$37000.00} 2. 2nd year : Principle {$37000.00} plus interest {$7500.00} total {$45000.00} 3. 3rd year : Principle {$45000.00} plus interest {$9000.00} total {$54000.00} 4. 4th year : Principle {$54000.00} plus interest {$10000.00} total {$65000.00} 5. 5th year : Principle {$65000.00} plus interest {$13000.00} total {$78000.00} I have spent 10 trips to go to three banks to collect stolen funds from XXXX to current. Bank of America 2 times in XX/XX/XXXX. XXXX XXXX XXXX 5 times from XXXX to XXXX. And XXXX XXXXXXXX XXXX 3 times from XXXX to current. I am charging {$300.00} per hour my personal time for at least 15 hours. Late fee {$100.00} per month since I notified bank since XXXX. My gas expense {$100.00} to collect stolen funds. I HAVE FILED POLICE REPORT IN XXXX. I HAVE NOTHING TO DO WITH THIS THEFT AT ALL. I ALSO HAVE TWO COPIES OF CANCELED CHECKS FROM XXXX XXXX SHOWING SHE CASHED MY CHECKS WITH MY NAME ON THE CHECKS.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MD

206XX

Consent provided

Web

2018-03-15

Closed with explanation

Yes

2019-10-07

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.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77584

Consent provided

Web

2019-10-07

Closed with explanation

Yes

2018-01-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

There are many mistakes appear in my report without my understanding.

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

Experian Information Solutions Inc.

IL

619XX

Consent provided

Web

2018-01-07

Closed with explanation

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

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

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

Experian Information Solutions Inc.

PA

19111

Consent provided

Web

2022-07-29

Closed with non-monetary relief

Yes

2018-04-16

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

I have sent 3 disputes certified mailed to Experian. They have continuously violated the FCRA. I have requested that these adverse accounts be validated by verifying an original signed contract with my signature on it. They have continuously failed to do so and have instead continued to " verify '' these accounts. They have yet to send me an original contract with my signature on it ( proof ). I have plans to litigate in small claims to fight for my rights as a consumer. I know the remedies for me for NEGLIGENT NONCOMPLIANCE.

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

Experian Information Solutions Inc.

TN

38125

Consent provided

Web

2018-04-16

Closed with non-monetary relief

Yes

2022-03-30

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

My cable was turned off due to hurricane XXXX XXXX. XXXX was paid through auto pay. Due to hurricane the apartment wasn't livable. We were evicted, I returned the cable equipment back to XXXX like I was told. I was told that they owed me a credit because they kept taking the auto payment out. Then when I found a new apartment they came an connected it on XXXX. Then I had the cable turned off due to death in the home, they told me to bring the equipment so I did. I started receiving letters from the collection offices XXXX different collections. I have been talking to suddenlink on different occasions concerning this you never speak to the same ones and they all tell you something different. I have credit that I have yet to receive of XXXX. I spoke to someone from there asking why I was receiveing a collections bill I was told they didn '' t see that in their notes cause the bill was paid in full. But I'm continuing to receive them. I have called them and they say the eqipment wasn't turned in them when I ask them if I have equipment why would they send someone to put in the New cable. Then they tell me they're sorry they did receive the equipment and owe me an equipment charge of XXXX. So how do I keep getting a collections letter.

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

SUNRISE CREDIT SERVICES, INC

LA

70601

Consent provided

Web

2022-04-28

Closed with explanation

Yes

2022-06-11

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 XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NY

10037

Servicemember

Consent provided

Web

2022-06-11

Closed with explanation

Yes

2019-10-23

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX is reporting late payments of over 90 days for XX/XX/XXXX, as well as the months of XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. During that time, I was told my loan was in deferment due to unemployment. I was told that although I would be responsible for the debt, I was not required to make payments at that time. I did however pay what I could pay, whenever I could pay it. I recently received a copy of my credit report and found all the months are reporting as over 90 days late. I contacted XXXX via letter and requested the incorrect information be removed from my credit report as it is incorrect and is a violation of my rights under the Fair Credit Reporting Act. I received a generic response that the information was reported accurately and absolutely no investigation was completed as to why these late payments are being reported. Also, I am in process of loan discharge due to false certification, however, the school that I attended has been closed down and I am finding it difficult to obtain copies of transcripts.

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

Experian Information Solutions Inc.

FL

33909

Consent provided

Web

2019-10-23

Closed with explanation

Yes

2023-01-04

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

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the XXXX Credit Bureaus and the XXXX XXXX XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please delete for 100 % accuracy. XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}.

EQUIFAX, INC.

FL

33065

Consent provided

Web

2023-01-04

Closed with explanation

Yes

2022-12-23

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

Credit reporting

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

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Experian Information Solutions Inc.

TX

767XX

Consent provided

Web

2022-12-23

Closed with explanation

Yes

2021-10-21

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

Hi there, I'd like to dispute the recent transactions under my personal and business account on XXXX XXXX 2021 who I have never known without my authorization for {$500.00}, {$400.00}, and {$100.00}, a total of {$1000.00}. I suspect that my account has been stolen and unauthorized XXXX transaction records. At the same time. Please assist me to apply for insurance ( FDIC ) to cover for me to take all my money back. Without that money, I can't pay off my wife 's delivery outstanding payment. This is a huge impact on my family, affecting our lives and work. During the years I have served in the XXXX XXXX XXXX, I've stuck to my duty to defend the country. Our family really needs this money to make life. While I'm working hard to serve the country, I really hope that CFPB can help me to get back the money. Thank you so much.

JPMORGAN CHASE & CO.

AZ

85395

Consent provided

Web

2021-10-21

Closed with explanation

Yes

2022-05-12

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

Credit reporting

Incorrect information on your report

Account information incorrect

Credit score says its a lot lower than what it is and it concerns me because I really been working on my credit thank you

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OR

97233

Consent provided

Web

2022-05-12

Closed with explanation

Yes

2018-10-03

Debt collection

Other debt

False statements or representation

Impersonated attorney, law enforcement, or government official

Falsely claimed that they are attorneys. Falsely claimed that we have committed a crime by Violated Federal Freight Laws. Used obscene or profane language, or repeatedly use the phone to annoy someone. Threatened and have called customers and vendors slandered.

Ashton & Weinberg, Inc.

NJ

078XX

Consent provided

Web

2018-10-03

Closed with explanation

Yes

2019-12-17

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is, in fact, wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Bread Financial Holdings, Inc.

CA

92833

Consent provided

Web

2019-12-18

Closed with non-monetary relief

Yes

2020-01-10

Debt collection

Auto debt

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

CHASE AUTO XXXX AND XXXX XXXX KEEPS CALLING MY NO.XXXX, 11 CALLS FROM Chase.

JPMORGAN CHASE & CO.

AR

72712

Consent provided

Web

2020-01-10

Closed with explanation

Yes

2023-09-25

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Consumer reporting agencies may furnish reports under strict circumstances. One of them is Written consent or it's identity theft. XXXX, Transunion, and experian are reporting my consumer report improperly.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32218

Consent provided

Web

2023-09-25

Closed with non-monetary relief

Yes

2021-11-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

EQUIFAX, INC.

GA

30076

Consent provided

Web

2021-11-13

Closed with explanation

Yes

2022-10-21

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

Credit reporting

Incorrect information on your report

Account information incorrect

Ive sent a theft report from the police and none of the information has been removed. Late payment are showing on my report that are false am no investigation was done by the company.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

445XX

Consent provided

Web

2022-10-21

Closed with explanation

Yes

2023-05-10

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I moblie deposited a check from the NEW YORK STATE DEPARTMENT OF CORRECTIONS THE BALANCE OF {$530.00} and Citibank told me that the check was fraud. I deposited the check XX/XX/XXXX. And still havent received my money. They closed my account because they said the check was fake and it was fraudulently. I even had my payroll contact the bank. The bank been giving me a hard time and its now XX/XX/XXXX and I still havent received my money. And my account is closed and th bank told me I wont be getting it until they have a verification from where the check came from. Mind you payroll said on there end the check was cash by the bank so if it is why havent I received it and why was my account closed. Citibank is working with me or helping me they just dont care. Ive looked online at review and over XXXX people have this same problem and nothing has been solve. I just dont understand I need help, and I would like to have my money. I just dont understand how my check can be fake or fraudulently if its from the New York State department of corrections .

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

CITIBANK, N.A.

NY

12180

Consent provided

Web

2023-05-10

Closed with explanation

Yes

2021-07-19

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

Credit reporting

Incorrect information on your report

Account status incorrect

Global Payments has transmitted the incorrect information for XXXX XXXX in connection with a business service he provided through his now closed company XXXX XXXX and XXXX. Global Payments transmitted information that the customer was not satisfied because the customer had not received certain HVAC equipment/service when the documentation provided indicates the customer did receive the equipment/service and signed off on all documents that the service was satisfactory. A prior complaint was filed on this subject in XXXX to which Global responded with completely incorrect information and never responded to the documents provided by XXXX XXXX. XXXX XXXX hopes that this second complaint will be responded to accurately by Global Payments and that CFPB will do more than just " rubber stamp '' whatever Global Payments says.

HEARTLAND PAYMENT SYSTEMS INC

FL

337XX

Older American, Servicemember

Consent provided

Web

2021-07-19

Closed with explanation

Yes

2022-12-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

MD

21701

Consent provided

Web

2022-12-30

Closed with non-monetary relief

Yes

2021-02-01

Student loan

Federal student loan servicing

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

Was not notified of investigation status or results

There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Nelnet, Inc.

MA

02125

Consent provided

Web

2021-02-22

Closed with explanation

Yes

2023-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I AM 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.

EQUIFAX, INC.

MI

48170

Consent provided

Web

2023-07-29

Closed with non-monetary relief

Yes

2021-11-12

Checking or savings account

Checking account

Managing an account

Cashing a check

My fiance deposited his check into our account with them on XX/XX/21, and they still have not cleared it as of XX/XX/21. I called XX/XX/21 to see what the was up, and they said that they flagged it for being " double cashed '' ( which is not true because we absolutely did not try to double cash it ), and that it would clear by XX/XX/21. Nope. Still not cleared. We have now received a {$30.00} bounced check fee, and a {$20.00} late fee from our mortgage company. I will be filing this complaint with the CFPB as well. If they refuse to pay the fees caused by our mortgage company, we will be taking them to small claims for all of the fees they caused, and for holding our money under false pretenses.

HUNTINGTON NATIONAL BANK, THE

MI

490XX

Consent provided

Web

2021-11-12

Closed with monetary relief

Yes

2023-01-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out that Credit Bureaus 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.

EQUIFAX, INC.

NC

28405

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2018-11-04

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

On XX/XX/XXXX I placed a security freeze on my credit report due to some suspicious activity that I had seen on my credit report. I received my confirmation from Lexis Nexis confirming the freeze was in place. In XX/XX/XXXX I noticed some public records appearing on my credit and activity again on my credit report. I reached out the Bankruptcy court in regards to what information is released to the credit bureaus, and received a letter from The United State Bankruptcy court on XX/XX/XXXX confirming that the Bankruptcy Court does not report information to any credit bureaus. I disputed the public record ( Bankruptcy ) with the three credit bureaus but received a response saying valid due to the response from LexisNexis. I am filing a complaint due to inaccurate information being reported by NexisLexis for many reasons. With the freeze on my account, information was still being provided to third parties, and NexisLexis reported on my credit report bankruptcy information which is inaccurate and the Bankruptcy court confirmed this information as well is not and was not provided to the credit bureaus including Nexis Lexis.

LEXISNEXIS

NV

89122

Consent provided

Web

2018-11-07

Closed with explanation

Yes

2022-11-02

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 ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 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 XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

KY

40216

Consent provided

Web

2022-11-02

Closed with explanation

Yes

2023-09-11

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

TX

79938

Consent provided

Web

2023-09-11

Closed with explanation

Yes

2022-02-14

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

Credit reporting

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

Their investigation did not fix an error on your report

Since XXXX of 2020, I have been disputing a Discover account that appears on my credit report. I have disputed this with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on this account, because it was paid in full. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. To date, I have not received any response from Discover regarding fixing the errors on my credit report. This item is reporting inaccurately and should be immediately deleted. ALL of this is currently incorrect : -Account type missing on XXXX -Date opened is inconsistent across the 3 bureaus -High balance is inconsistent across the 3 bureaus -Credit limit missing on XXXX -Date of last activity is inconsistent across the 3 bureaus -Date of last payment is inconsistent across the 3 bureaus -Comments on account say the dispute " is resolved '', how can this be when this account is reporting erroneously and I have not received any response to my disputes?

DISCOVER BANK

NY

10467

Consent provided

Web

2022-02-14

Closed with explanation

Yes

2022-05-31

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I sent a letter on XX/XX/XXXX to remove collection account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX

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

Experian Information Solutions Inc.

PA

19050

Consent provided

Web

2022-05-31

Closed with non-monetary relief

Yes

2021-04-24

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

Credit reporting

Incorrect information on your report

Account information incorrect

Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.

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

FC HoldCo LLC

IL

61107

Older American

Consent provided

Web

2021-04-24

Closed with explanation

Yes

2021-01-26

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

Credit reporting

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

Investigation took more than 30 days

Equifax, XXXX and XXXX have abused their position of being consumer reporting agencies. With the misuse and unauthorized reporting, validating debt and other actions without my consent is noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with the boundaries of FCRA and FDCPA.

EQUIFAX, INC.

NY

11212

Consent provided

Web

2021-01-26

Closed with explanation

Yes

2018-05-20

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

Credit reporting

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

Their investigation did not fix an error on your report

Sent disputes to all three credit bureaus, asking for accounts to be verified, on who they spoke to, name of the person. Did not verify with no one, just sent letter back that says verified, tried to disput again, continue to receive letters stating they will not reinvestigate, even though they never provided me the information

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

Experian Information Solutions Inc.

CA

95687

Consent provided

Web

2018-05-20

Closed with explanation

Yes

2023-05-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23666

Consent provided

Web

2023-05-10

Closed with non-monetary relief

Yes

2017-06-26

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

A company called Midland Funding is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$520.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is : " XXXX ''. I only found out there was an account on my credit report when I checked my credit recently and it was pointed out that I had a collection. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.

ENCORE CAPITAL GROUP INC.

FL

32811

Consent provided

Web

2017-06-26

Closed with explanation

Yes

2017-08-30

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

Credit reporting

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

Their investigation did not fix an error on your report

Please reference complaint number XXXX. Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?

Company believes it acted appropriately as authorized by contract or law

SELECT PORTFOLIO SERVICING, INC.

CO

80525

Consent provided

Web

2017-08-30

Closed with explanation

Yes

2023-01-19

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 ) XXXX XXXX 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX .... Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX .... Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$510.00} XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$570.00} XXXXXXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX ) # # # # # XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX ) # # # # # # # # # # XXXX XXXX XXXX # # XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) # # # # # # # # # # # XXXX XXXX # # XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX Balance {$1200.00} XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXX Balance {$510.00} XXXX ( Original creditor XXXX XXXX XXXX XXXX ) XXXX Balance {$98.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX

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

Experian Information Solutions Inc.

CA

93727

Consent provided

Web

2023-01-19

Closed with explanation

Yes

2018-10-12

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened to arrest you or take you to jail if you do not pay

Last year in XX/XX/2017 I accumulated 5 unpaid red light tickets. MCOA ( collection agency for the municipality filed to suspend my drivers license. I paid them XXXX toward my 5 unpaid tickets which were XXXX each. Left me owing XXXX + their fees. Now again this year they have submitted to the Secretary of State to suspend my drivers license, but I dont have 5 or more unpaid tickets. They are illegally applying the law here. I only owe XXXX XXXX unpaid ticket plus fees.

Municipal Collections of America Inc.

IL

60473

Servicemember

Consent provided

Web

2018-10-12

Closed with explanation

Yes

2021-09-05

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

The monthly payment, terms, credit limit, past due, and date of last payment are missing in this account.

PORTFOLIO RECOVERY ASSOCIATES INC

CA

95670

Consent provided

Web

2021-09-05

Closed with explanation

Yes

2022-12-16

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 a few hard inquiries and small inquires and i am hoping to get tcompanyhem removed immediately here is the list of hard inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are negatively affecting my credit score i need these to be removed

CAPITAL ONE FINANCIAL CORPORATION

AR

71901

Consent provided

Web

2022-12-16

Closed with explanation

Yes

2022-10-05

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/2022, I mailed a Validation of Debt [ Exhibit A ] and Cease and Desist Letter [ Exhibit B ], to UPGRADE with specific demands to identify the original creditor, provide copies of the original lawful contract signed by both parties in wet ink, and provide validation of the alleged debt ( actual accounting ). These letters were sent via XXXX Mail # XXXX [ Exhibit C ]. UPGRADE received these instruments on XX/XX/2022 and chose to not return the Domestic Return Receipt. Respondent was given thirty ( 10 ) days from day of receiving Validation of Debt to provide proofs of claim, point for point ; however, Respondent chose to either remain silent or otherwise refused to provide said proof of claim ( s ) and, therefore, has failed to state a claim upon which relief can be granted. Respondent has agreed and stipulated to the facts and agreed that the undersigned Secured Party can only discharge said debt via the remedy provided by Congress via HJR-192 with a Bill of Exchange or other appropriate commercial paper. AFFIDAVIT OF TRUTH Formal Affidavit of TRUTH [ Exhibit D ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter. Said Affidavit of TRUTH was sent via Certified Mail # XXXX dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit E ]. Respondent sent a copy of its permission to pull credit not signed by me and a copy of a generic contract that too was not signed by me. Conditional Acceptance Formal Conditional Acceptance [ Exhibit F ] was sent to UPGRADE as a result of their failure to comply with demands stated in the Validation of Debt Letter, and Non-Compliance Affidavit. Said Conditional Acceptance was sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ]. NON-RESPONSE AND FAILURE TO CURE FAULT After 10 days of receipt by UPGRADE, having not received and showing no record of response to items listed in my Conditional Acceptance sent via Certified Mail # XXXX [ Exhibit G ] dated XX/XX/2022, and received on XX/XX/2022 [ Exhibit I ] said Conditional Acceptance to Cure is now in Default. NOTICE OF DEFAULT AND CONSENT TO JUDGMENT Whereas, for the reason of UPGRADEs failure to cure and honor, Fault places UPGRADE in Default. For the course of dealing, set forth herein, with UPGRADE failure, refusal, or neglect in the presentment of a verified response to the Validation of Debt, Affidavit of Truth, Conditional Acceptance, and Notice of Fault and Opportunity to Cure, constitutes the Respondents failure to perform in good faith and the Respondents acquiescence and tacit agreement with all terms, conditions and stipulations set forth within the Notice of Default and Consent to Judgment, Validation of Debt, and Notice of Fault and Opportunity to Cure. Further Affiant saith not. All documents have been sent to Upgrade and are too large to share in this format. They can be provided if requested by an outside party.

Upgrade, Inc.

GA

31909

Consent provided

Web

2022-10-05

Closed with explanation

Yes

2023-04-05

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts and 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 XXXXXXXX XXXX Balance : {$1900.00}, XXXX XXXXXXXX XXXX Balance : {$3200.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21061

Consent provided

Web

2023-04-05

Closed with non-monetary relief

Yes

2023-03-31

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Credit card company won't increase or decrease your credit limit

XXXX -- tried to use credit card, charge would not go through, though it was within my credit limit and the card was not delinquent. XXXX -- PNC reduced my credit limit significantly. I want it raised back to what it was. My FICO score is good -- XXXX.

PNC Bank N.A.

VA

24502

Consent provided

Web

2023-03-31

Closed with explanation

Yes

2021-06-14

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

Not my account. Company lacks any legal obligation or contract. I've never done business with them.

Company believes it acted appropriately as authorized by contract or law

AmeriCollect

NJ

08527

Consent provided

Web

2021-06-14

Closed with explanation

Yes

2023-08-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30238

Consent provided

Web

2023-08-09

Closed with non-monetary relief

Yes

2021-11-11

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. THEY NEVER RESPONDED

AFNI INC.

GA

30277

Consent provided

Web

2021-11-11

Closed with explanation

Yes

2023-05-18

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

First, this matter has already been resolved, but I am concerned that something similar might repeat. I respect American Express and I want to ensure that appropriate channels are aware of potential problems in certain areas of the company. I believe that going through the CFPB is the surest way of contacting the most reliable people in American Express who truly have the companys best interests at heart. Today ( XX/XX/2023 ) I became aware through a random advertisement that my XXXX XXXX XXXX XXXX might carry an annual fee. I then used the AmEx app to determine whether there was an annual fee. I could not locate the appropriate information, but I saw that there was a chat feature in the app. I then asked for confirmation about whether my card carried a fee. However, because I was still uncertain about their answer ( they did not seem to completely understand me ), I requested a copy of the original card terms. The person refused to share the terms with me after I asked twice. It was then only after I mentioned a potential violation of federal regulations that they provided a link to a PDF with the cards terms. Even though the PDF was not the terms for my specific situation, I assume it was close enough. I was astonished by the refusal to provide the credit cards terms upon a reasonable request.

AMERICAN EXPRESS COMPANY

NY

11375

Consent provided

Web

2023-05-18

Closed with explanation

Yes

2022-04-24

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

I wasn't aware of this date Not even the service And I definitely have insurance

Durham & Durham, LLP

GA

30310

Consent provided

Web

2022-04-24

Closed with explanation

Yes

2022-11-03

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

Jefferson Capital Systems is collecting on behalf of XXXX XXXX, account XXXX This account was merged with a XXXX Account under the company name of XXXX XXXX XXXX. Even our sales reps confirmed there should be no balance, then months later this collection happened we spent months trying to resolve this. XXXX XXXX XXXX is now dissolved and the company filed Bankruptcy and I can not access the records to obtain the multiple emails to show proof I was told this was resolved

CL Holdings LLC

TX

774XX

Servicemember

Consent provided

Web

2022-11-03

Closed with explanation

Yes

2020-06-13

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

I was shocked when I reviewed my credit report and found late payment on the dates below : BANK OF AMERICA XX/XX/2020 2020

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MA

02780

Consent provided

Web

2020-06-13

Closed with explanation

Yes

2022-06-29

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

XX/XX/XXXX I reported fraudulent activity to Bank of America and filed a dispute in the amount of {$3000.00}. Then about 2 days later its already notifying me that the claim will not be paid and is closed. Well come to find out the representative didnt accurately include the correct transactions and included some authorized transactions in the fraud claim. So they had me resubmit the claim and of course since its a resubmission they dont issue provisional credit even though it was THEIR FAULT THAT I HAD TO RESUBMIT THE CLAIM. This claim literally consists of various random XXXX and XXXX type merchant names that dont even make sense when you try to read them. Nonetheless its obvious as obvious can be that they are fraudulent charges. So they push the investigation all the way to the XXXX day which is when they said they would be crediting my account for the transactions since they havent received any response from the merchants as of yet. But I woke up to a notification that the claim is closed and not paid. I spoke with a claims representative the day prior and SHE STATED THAT THEY HAD BEEN UNSUCCESSFUL IN GETTING ANY TYPE OF RESPONSE FROM THESE MERCHANTS. So how is it that 12 hours later the claim is closed and not paid. This is absolutely ridiculous and to make it worse they wont provide the documentation used in the determination of the claim decision which I thought they legally had the obligation to provide upon request.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

KS

67203

Consent provided

Web

2022-06-29

Closed with explanation

Yes

2023-04-10

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

Credit reporting

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

Their investigation did not fix an error on your report

This is in reference to complaint XXXX. Experian responded and stated that the account was verified. I have not been able to get in contact with the company so please provide with whom you spoke with and their contact information. Also, please provide the sufficient documentation regarding account XXXX XXXX ( XXXX XXXX XXXX ). If you can not provide this information then remove this account from my credit report immediately. Please see the attached credit report showing that this account is paid.

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

Experian Information Solutions Inc.

TX

75253

Consent provided

Web

2023-04-10

Closed with explanation

Yes

2021-08-11

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

Credit reporting

Incorrect information on your report

Personal information incorrect

- The FTC site says that I can go to XXXX to download my credit reports from Equifax, XXXX, and XXXX. I did that for all 3 agencies. - There was incorrect information on all 3 reports. I called up each agency and they told me that they have different information and that XXXX does not have the latest credit reports. The wrong information on the reports from XXXX has been on those reports for years. - I do not want to have to create an account with these 3 agencies just to download my credit reports, but all 3 told me that I have to do that to get the reports with the real and accurate information. I understood that by law I should be able to download my credit reports. - I also don't want to spend hours calling the 3 agencies to get my credit report. - In addition, I don't know which version of my credit reports are being communicated to those that are checking my credit. There should only be one official version of my credit report not multiple versions. How do I know that companies are getting the right version of my credit report if there are multiple versions on the agency 's sites vs. XXXX

EQUIFAX, INC.

CT

068XX

Consent provided

Web

2021-08-11

Closed with explanation

Yes

2018-01-18

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/XXXXnoticed inaccurate, unverified data reporting. Disputed items and collection agency has not provided any debt validation or notice to dispute under fdcpa or FCRA sec 609. FCRA sec 609 requires collection agencies to validate debt upon request with contract bearing signature and proof of all data reporting. Credt Bureaus are knowingly reporting inaccurate unverified data based personal infomation, thisis not proper validation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

XXXXX

Consent provided

Web

2018-01-18

Closed with explanation

Yes

2023-03-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have tried to get a credit card that was opened in my name using my information and I have indicated I did not open or apply for any lines of credit. However, after disputing with the credit agencies they have indicated the information is accurate. Well it's accurate if someone has stolen my identity. I'm trying to get this removed from my report.

Bread Financial Holdings, Inc.

VA

245XX

Consent provided

Web

2023-03-13

Closed with non-monetary relief

Yes

2023-08-30

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

The unverified account indicated below continues reporting on my credit report despiteseveral written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against them if they do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX : {$2400.00}.

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

Experian Information Solutions Inc.

FL

32714

Consent provided

Web

2023-08-30

Closed with explanation

Yes

2023-08-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can validate this debt. I do not validate this debt. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

OH

44108

Consent provided

Web

2023-08-07

Closed with explanation

Yes

2023-03-09

Debt collection

Other debt

Communication tactics

Used obscene, profane, or other abusive language

I was called frequently and when trying to get clarification on the issue, I was verbally abused and told to provide information in places that were not safe. When I tried to tell them would review when I got home I was yelled at and told to provide my credit to them over the phone even though they knew I was in a public place.

T.S. Holdings

TX

75208

Consent provided

Web

2023-03-09

Closed with explanation

Yes