Datasets:

aciborowska

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customers-complaints-eval

like 0

2020-04-09

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I was late on my credit card payment ( {$60.00} ) FIRST time and for a two days only. I explained the representative that I missed the payment due not feeling well. The Representative was not willing to help me and remove the late fee ( {$25.00} ) despite frustration and pain caused by coronavirus.

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

CITIBANK, N.A.

NY

11580

Consent provided

Web

2020-04-09

Closed with explanation

Yes

2022-06-02

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33444

Consent provided

Web

2022-06-02

Closed with non-monetary relief

Yes

2020-11-04

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

In XXXX I submitted a complaint against the company for still reporting and attempting to collect in this Debt for acct # XXXX. I asked they remove the account from my credit report based the MultiState Settlement Agreement that was finalized in XXXX. The State of Florida was awarded XXXX for unfair lending practices. I contacted Santander 3 times in XXXX and was referred to the Special Accounts department. Per a woman named XXXX. She was not aware of this Settlement. On the Settlement agreement website it list XXXX XXXX as the administrator. I contacted XXXX XXXX and was advised to wait for a postcard if I was to be included in the settlement. Santander was lending based on an Internal scoring according to the lawsuit. If I was a recipient then I would receive a postcard. I have received my postcard stating that I will be awarded restitution. I called Santander as advised once I received my letter or postcard and the special department would request that the trade line be removed from all of my credit reports. I have been wronged by Santander Consumer USA for far too long. Please do your part and remove these negative entries from my credit report forthwith! I have suffered enough from your unlawful handling of my loan.

Santander Consumer USA Holdings Inc.

FL

33069

Consent provided

Web

2020-11-04

Closed with explanation

Yes

2022-11-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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

Experian Information Solutions Inc.

PA

15221

Consent provided

Web

2022-11-22

Closed with explanation

Yes

2020-07-14

Debt collection

Auto debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

Company filed a lien against my proper past the statue of limitations and did not provide documentation or allow time for a disputed reply to judgement demand. Lien needs to be removed immediately. I am being harassed by this company.

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

ALLY FINANCIAL INC.

OH

44143

Consent provided

Web

2020-07-14

Closed with explanation

Yes

2022-11-11

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19138

Consent provided

Web

2022-11-11

Closed with non-monetary relief

Yes

2019-12-12

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2019 I submitted a dispute letter with in account with XXXX XXXX but it came back verified. The reason of my dispute is to challenge this erroneous outcome by demanding under section 611 of the FCRA for them to provide me with the method of verification or deletion of this account.

EQUIFAX, INC.

NM

87114

Consent provided

Web

2019-12-12

Closed with explanation

Yes

2022-11-30

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Date XXXX inquiry : XX/XX/2022 ), and ( INFORMATIVE : Date of inquiry : XX/XX/2022 ) has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76039

Consent provided

Web

2022-11-30

Closed with non-monetary relief

Yes

2020-02-26

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 was notified of a inquiry on my equifax credit report from my credit monitoring company and immediately called to notify it was unauthorized without my consent, after doing so my 3 reports were placed on fraud alert. I was given the number, called in then transferred to a Equifax agent who initiated the investigation and told me to call back after 90 days. I did so XX/XX/2020 only to find that there was nothing done on their behalf by way of investigation or acknowledgement of the erroneous processing of my original dispute request. I was now told that I had to contact the FTC and Police to have the unauthorized inquiry removed from my equifax account, which I'm doing by writing this correspondence. PLEASE HELP ... EQUIFAX IS HORRIBLE WITH CUSTOMER SERVICE AND SERVICE HOSPITALITY.

EQUIFAX, INC.

CA

91001

Consent provided

Web

2020-02-26

Closed with explanation

Yes

2022-05-03

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

Credit reporting

Incorrect information on your report

Personal information incorrect

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34219

Consent provided

Web

2022-05-03

Closed with non-monetary relief

Yes

2021-12-09

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I'm not persuaded that you have accordingly fulfilled the principles of the Fair Credit Reporting Act in performing your examination. My research has shown me that below Section 1681 ( g ) it is essential to generate me along with an explanation in the process designed to authenticate that this account is at collections and write me the name and addresses of persons contacted per rules found in the FCRA.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33705

Consent provided

Web

2021-12-09

Closed with non-monetary relief

Yes

2017-06-23

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

My bank has n't responded to XXXX in reporting my savings account balance so that they can activate my account. My account is currently pending and they need a response from my banking institution.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

GA

30067

Consent provided

Web

2017-06-23

Closed with explanation

Yes

2020-01-01

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 contacted the company on several occasions and platforms to get the credit inquiries removed due to unauthorized. I also sent in the police report showing them that my wallet with social security card and driver license was stolen. XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

75062

Consent provided

Web

2020-01-01

Closed with non-monetary relief

Yes

2022-06-20

Debt collection

Medical debt

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

Credit Control Corporation purchased my debt from XXXX XXXX XXXX for {$2700.00}. Credit Control corporation additionally placed a collection on my consumer report without permissible purpose or consent. Credit Control Corporation also obtained my medical records and social security number without my consent or permission. Credit Control Corporation continues to harass my self, friends, and family members weekly via phone calls. Credit Control Corporation is in violation of the following Federal Laws : 15 USC 1681 - Right to Privacy 15 USC 1681d - Disclosure of Investigative Consumer Report 15 USC 1692 - Any Debt collector Shall not state that an Consumer owes any debt EACH VIOLATION IS {$1000.00}

Company disputes the facts presented in the complaint

R & B Corporation of Virginia

VA

23322

Consent provided

Web

2022-06-20

Closed with explanation

Yes

2020-06-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including XXXX bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$160.00} XXXX XXXX {$64.00} XXXX XXXX {$590.00} XXXX XXXX {$340.00} XXXX XXXX {$1200.00}

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

Experian Information Solutions Inc.

GA

30106

Consent provided

Web

2020-06-24

Closed with explanation

Yes

2018-06-01

Checking or savings account

Checking account

Problem caused by your funds being low

Non-sufficient funds and associated fees

From XX/XX/XXXX through XX/XX/XXXX Chase Bank has charged me insufficient funds fees nine times ( 9 ) times at {$34.00} for each insufficient fee. I have communicated with Chase bank asking them why they keep debiting the account when they know that there are insufficient funds in the account to cover any transactions as the account was already negative. Their response is usually incoherent or something to the effect like that is the Bank 's policy. The resulting effect is that within less than two weeks I incurred fees totaling more than {$300.00} from Chase. I have expressed to the bank that their system of imposing insufficient fees is oppressive to a small business owner like myself because the Bank clearly has a profit motive in paying for electronic debits to the account, even when it has been apparent for many days, that the account lack sufficient funds to cover these transactions. Furthermore CHASE is also being exploitative to consumer when it's policy is to pay for the largest debit transactions first, and not transactions that are first in time. Their system guarantees insufficient fees will be imposed for more transactions and even for the smallest transactions. Sometimes I am even required to pay {$34.00} for debit transactions that are as small as {$5.00}.

JPMORGAN CHASE & CO.

NY

11003

Consent provided

Web

2018-06-01

Closed with monetary relief

Yes

2018-04-07

Student loan

Private student loan

Dealing with your lender or servicer

Trouble with how payments are being handled

United Student Aide Funds started garnishing my XXXX benefits for {$150.00} on XX/XX/18, and again on XX/XX/18, with out warning me. I have spoken to the US Dept of Ed and was told that my loans were suspended because I am XXXX XXXX. I have started a repayment with United Student Aide Funds, but I am concerned that they will garnish me next month.

United Student Aid (USA) Funds

NV

89110

Consent provided

Web

2018-04-07

Closed with explanation

Yes

2020-12-08

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

A credit card was fraudulently opened in my name around XX/XX/2016 and charged up to XXXX. I was not made aware until I checked my XXXX credit report due to the credit breach. I notified the current account owner CAPITAL ONE BANK N.A. who received my police report and agreed to delete the account from my credit profiles. The account was later sold to XXXX XXXX XXXX, XXXX who then began re-reporting the account. I have been harassed for over two years by this company who keeps giving me conflicting information. Due to my information being apart of the data breach XXXX has recently removed the collection but XXXX XXXX is still reporting to the other bureaus and refuse to remove all account history no matter what. I would like this to be resolved before I am forced to proceed with legal action due to the negative affect this has caused in my home purchasing process.

CAPITAL ONE FINANCIAL CORPORATION

AL

366XX

Consent provided

Web

2020-12-08

Closed with non-monetary relief

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

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

EQUIFAX, INC.

NE

68111

Consent provided

Web

2023-08-09

Closed with explanation

Yes

2023-04-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

in accordance with the Fair Credit Reporting act XXXX Account # 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

EQUIFAX, INC.

CA

90015

Consent provided

Web

2023-04-20

Closed with explanation

Yes

2020-07-11

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

on XX/XX/XXXX I was at XXXX XXXX inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

EQUIFAX, INC.

MN

55119

Consent provided

Web

2020-07-11

Closed with explanation

Yes

2017-08-08

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

Credit reporting

Incorrect information on your report

Account status incorrect

The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70058

Older American

Consent provided

Web

2017-08-08

Closed with explanation

Yes

2020-05-28

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

I was setting up my checking account with a program called XXXX XXXX, created by XXXX which sues robocallers. But while connecting my account, I got the following error message : PNC Bank has made a change that prevents you from being able to link your accounts.

PNC Bank N.A.

GA

30078

Consent provided

Web

2020-06-02

Closed with explanation

Yes

2023-08-29

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19121

Consent provided

Web

2023-08-29

Closed with non-monetary relief

Yes

2018-08-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Checked my credit report monitoring service and there are 3 accounts with money owed that are not mine. It says XXXX XXXX / XXXX XXXX / and XXXX. I am asking cfpb to see who is the person to contact to remove this item off of my report. I also see if follows under the provisions of 15 USC section 168i of the Fair Credit Reporting Act of 1970. Please delete and remove this items off of my report record.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OK

74105

Consent provided

Web

2018-08-27

Closed with explanation

Yes

2022-12-19

Checking or savings account

Savings account

Opening an account

Account opened as a result of fraud

I was notified on XX/XX/2022 from XXXX asking if I opened up a capital one account. I informed them no. Then we both called Capital one 360 on XXXX XXXXXXXX XXXX informing them that the account was fraudulent. They admitted transactions were completed but would not tell us what. Then the XXXX agent asked if I was liable for any funds and the representative from Capital one said no. I received a bank statement today stating the account is in a negative balance of XXXX.

CAPITAL ONE FINANCIAL CORPORATION

GA

305XX

Consent provided

Web

2022-12-19

Closed with explanation

Yes

2022-11-04

Checking or savings account

Savings account

Opening an account

Account opened as a result of fraud

Bank of America has opened one savings account XXXX XXXX XXXX Banking without my request. I told them but they have not closed the account. Now, I received another email for another application for another savings account. No deposits have been made in the initial one which makes me believe this is something the bank did, but Im not sure the benefit. I just know XXXX XXXX did this to their customers.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

PA

15650

Consent provided

Web

2022-11-04

Closed with explanation

No

2023-05-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following inquiries viewed by others and only by me currently listed and showing on my Chex Systems XXXX Report ID : XXXX are unauthorized and not my inquiries : 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

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

Fidelity National Information Services, Inc. (FNIS)

MN

55343

Servicemember

Consent provided

Web

2023-05-31

Closed with explanation

Yes

2023-05-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28216

Consent provided

Web

2023-05-10

Closed with non-monetary relief

Yes

2018-03-28

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

XXXX is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

XXXXX

Consent provided

Web

2018-03-28

Closed with explanation

Yes

2018-05-04

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Medical and Professional Collection Services ( MPCS ), a third-party debt collection agency, conducting business in the State of Indiana and County of XXXX, XXXX XXXX XXXX XXXX, XXXX, IN. XXXX, has violated certain acts of the FDCPA and UDAAP in their attempt to collect an alleged medical debt from me. The following is an introduction to the known violations : FDCPA 806. Harassment or Abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 808. Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. UDAAP Likewise, all the aforementioned FDCPA violations qualify as violations under the Unfair, Deceptive, or Abusive Acts or Practices. The following is a chronicle of the communications and details of the violations made by MPCS : After receiving a notice from MPCS dated, XX/XX/XXXX ( See Exhibit 1A ), showing I owed one account ( as evidenced throughout the body of the letter using the singular tense, account ), totaling, {$1000.00}, I telephoned MPCS on XX/XX/XXXX at approximately XXXX XXXX and spoke with a representative who identified herself using an alias as, XXXX XXXX ( FDCPA 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ). I had to inquire about the details of the alleged debt as the letter did not disclose the specifics. I had advised her that I was not certain these charges were legitimate, and it was my understanding that insurance should have paid. I inquired if the account had been reported to the credit reporting agencies and she confirmed that it had not and would not until the end of XX/XX/XXXX. She explained this is due to the Federal law that requires a 180-day waiting period. Later, I received another letter from MPCS dated XX/XX/XXXX ( See Exhibit 1B ). This letter did not disclose the original creditor and it was indicating that they were now attempting to collect multiple accounts ( as evidenced throughout the body of the letter by using the plural tense, accounts ). The balance on this letter was higher than the balance noted on the first letter, Exhibit 1A. To support MPCSs efforts to embellish the extent of the alleged debt and the number of accounts, MPCS cites, RE : Various Creditor ( s ) in the opening of the letter which gives a false impression they are attempting to collect on behalf of multiple creditors. Never has it been communicated or supported that MPCS was attempting to collect more than one alleged debt/account and never has it been communicated that MPCS was attempting to collect on behalf of more than one creditor ( FDCPA 807. False or misleading representations ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ). In addition, this same letter, ( See Exhibit 1B ) dated XX/XX/XXXX, contains several misleading and deceptive statements. Below are the specific citations that support MPCSs devious statements : Citation 1 : On the instruction of our client, we are going to send your accounts to our attorney for collection. Retort 1 : From the looks of this letter, it appears to be a template, cookie-cutter like letter which raises the question, did their client or Various Creditor ( s ) truly review this/these account ( s ) and give specific direction on this account ( s ) to place the alleged account ( s ) with an attorney? Furthermore, MPCS is very specific in stating their intended action to send this account ( s ) to an attorney for collection. This is action MPCS never intended to take at the time this letter was sent as the account ( s ) has not been sent to an attorney ( FDCPA False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ) Citation 2 : These accounts will be sent to our attorney within 10 days from the date of this letter Retort 2 : This is a very specific action with a very specific timeframe that MPCS states they intend to take. This action did not and has not occurred. MPCS never intended to take such action or action within this timeframe ( FDCPA False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ) This action of threatening to place the account ( s ) with an attorney for collection is not consistent with the context of the relatively new Federal law that requires the suspension of credit bureau reporting on medical debt for 180 days to allow insurance time to pay out and the insured ample time to research and dispute uncovered charges. Citation 3 : The letter is signed by XXXX XXXX. Retort 3 : Using an alias is a form of deception and is illegal in some jurisdictions. In addition, the question is raised, does XXXX XXXX have the authority and capacity at MPCS to make the decision to assign accounts to an attorney for collection? ( FDCPA 807. False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ) Within both letters used by MPCS as referenced in Exhibit 1A and 1B, MPCS provided an enclosed return envelope in which they gave instructions to enclose payment and return to MPCS. The return envelope MPCS provided has MPCSs full and complete name, Medical & Professional Collection Services , Inc. ( See Exhibit 2A ) with a return name and address section in the upper left-hand corner that, if completed per USPS standards, would bear my name and address ( FDCPA 808. Unfair Practices ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. ). MPCS is aware of this regulatory expectation as evidenced by referencing the envelope in which the letter and return envelope were enclosed ( See Exhibit 2B ). I called MPCS and spoke with XXXX XXXX on Friday, XX/XX/XXXX at approximately XXXX XXXX. When I telephoned MPCS, the mini-miranda was not cited by any person or means ( FDCPA 806. Harassment or Abuse ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ). When I asked XXXX if this alleged debt had been reported to the credit reporting agencies, she confidently confirmed, without pause, that it had in fact been reported to the credit reporting agencies. After pressing XXXX several times and XXXX remaining firm and confident that it had been reported, she eventually reported that it had not yet been reported and would not report until the end of XX/XX/XXXX. When I questioned XXXX why she was so adamant and misleading to me about the credit bureau reporting, she claimed that she did not actually say that it had been reported, which was untrue. XXXX misrepresented the credit reporting status of this account ( s ). XXXX did confirm the account ( s ) had not been sent to an attorney for collections ( FDCPA 807. False or misleading representations, ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ). On XX/XX/XXXX at approximately XXXX XXXX, I sent an email to MPCS citing all regulatory concerns I have listed here within this complaint ( See Exhibit 3 ). Later, this same day, I telephoned MPCS and spoke with a female employee and let her know that I sent the email to XXXX and she confirmed that management reviews that email address daily and that it would be reviewed. In this email, I requested that a representative of authority contact me by email or phone within 3 business days for MPCS to provide a response and solution to the cited issues. On XX/XX/XXXX at approximately XXXX XXXX, XXXX XXXX telephoned me using a blocked number ( See Exhibit 5 ) ( FDCPA-806. Harassment or Abuse, ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity ). XXXX did cite the mini-miranda however she was very guarded in her communication and would not tell me anything other than MPCS management is reviewing as a dispute and I will receive a letter within 3 days. I asked if the account has been reported to the credit reporting agencies and she would not answer the question and again stated that I will receive a letter within 3 days. After not receiving a letter or any other communication after 6 days, I sent a follow up email again to MPCS on XX/XX/XXXX at approximately XXXX XXXX ( See Exhibit 3 ) and advised that I have not received the letter they promised to send and gave them until XXXX XXXX on XX/XX/XXXX to respond or I would be escalating my concerns. I have not received any letter or other communication from MPCS as they promised, to date. In addition to what has been cited above, and in my research, I did not identify any court cases over the last 8 years where MPCS was the plaintiff in the State of Indiana and the County of XXXX, where MPCS and its hired attorney filed suit for anything close to the balance of the alleged balance of {$1000.00} they are attempting to collect from me. The smallest amount I could locate that MPCS filed suit on was approximately {$4000.00}. This supports that they never had any intention of following through with their specific threat of placing this account ( s ) with an attorney for collections. MPCS is charging interest on the alleged debt ( s ) in which they are attempting to collect from me. Nowhere that I have seen has MPCS indicated any interest rate disclosures that would support MPCS in charging interest ( 808. Unfair Practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law ). Lastly, collection agencies are required to be licensed in the State of Indiana. The Indiana Secretary of State oversees the administration and complaints of license holders. It was found that the Indiana Secretary of State declared MPCS as not authorized to be conducting business within the first part of 2018 ( See Exhibit 4 ). Consequently, any telephone collection calls made, collection letters sent, credit bureau reporting to credit reporting agencies, payments collected, commissions paid, suits filed, interest accrued on debts and any other transactions conducted during this time should not have occurred on any and all accounts in which MPCS was servicing. By not renewing their license in a timely manner and continuing to operate illegally is another example of the disregard MPCS has for regulatory requirements. I feel as though I have given MPCS ample opportunity to address the issues cited in efforts to resolve without having to escalate. Unfortunately, MPCSs lack of response and false claim that I would be receiving a letter is consistent with their overall deceitfulness, negligence and disregard for accountability and regulatory expectations.

Medical & Professional Collection Services, Inc. NC.

IN

476XX

Consent provided

Web

2018-05-04

Closed with explanation

Yes

2022-04-16

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX TRIDENT ASSET MANAGEME XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious TRIDENT ASSET MANAGEME XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company believes it acted appropriately as authorized by contract or law

Trident Asset Management, L.L.C.

FL

33417

Consent provided

Web

2022-04-16

Closed with explanation

Yes

2021-01-09

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Problem with paying off the loan

My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.

Santander Consumer USA Holdings Inc.

MI

48205

Consent provided

Web

2021-01-09

Closed with explanation

Yes

2018-06-06

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )

Creditors Service Bureau Inc

KS

66604

Consent provided

Web

2018-06-06

Closed with explanation

Yes

2023-02-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

ive attached document describing what happened

EQUIFAX, INC.

NY

10463

Consent provided

Web

2023-02-11

Closed with explanation

Yes

2021-10-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

ATTN Fraud Department : Remove fraudulent accounts from my credit report.

EQUIFAX, INC.

CA

90505

Consent provided

Web

2021-10-19

Closed with explanation

Yes

2022-04-28

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

On XX/XX/2021, I mailed a letter to experian in regard to an inaccurate collection account, company is XXXX XXXX XXXX XXXXXXXX. {$330.00}. This account was found to be inaccurate and removed. now the company has relisted the account without any form of mailed communication. They did not provide me with debt validation of a copy of the ORIGINAL CONTRACT WITH MY SIGNATURE FOR THE DEBT. They did not provide me with the FULL PAYMENT HISTORY FROM THE ORIGINAL CREDITOR. They did not provide me with the ADDRESS of the ORIGINAL CREDITOR. The collection company did NOT SHOW PROOF THAT THEY OWN or HAVE BEEN ASSIGNED THE DEBT TO COLLECT.

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

Experian Information Solutions Inc.

FL

34758

Consent provided

Web

2022-04-28

Closed with non-monetary relief

Yes

2023-05-05

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

Credit reporting

Incorrect information on your report

Account status incorrect

XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXX NV I am be retaliated against. I am just not sure of why? I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX XXXX phone app Photos from XXXXt XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. Respectfully, XXXX XXXX

EQUIFAX, INC.

NV

89002

Servicemember

Consent provided

Web

2023-05-05

Closed with explanation

Yes

2022-03-10

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

Credit reporting

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

Was not notified of investigation status or results

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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

Experian Information Solutions Inc.

FL

33484

Consent provided

Web

2022-03-10

Closed with explanation

Yes

2020-05-16

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

Credit reporting

Incorrect information on your report

Account status incorrect

Loan Servicer is XXXX XXXX XXXX Owner of Loan is XXXX XXXX XXXX - XXXX On XX/XX/2020 I received a written assurance from the loan servicer that " You have been approved for a Forbearance Plan and should receive written notification in the mail within 7-10 business days regarding the specific details of your approved 3 month plan. '' ( Note : 7-10 business days from XX/XX/2020 would be from XX/XX/XXXX to XX/XX/2020 ). On XX/XX/2020 I received a second assurance by email from the loan servicer that I had been approved for such a forbearance plan. The email stated : " Based on a careful review of the information you provided to us, you have been approved for a Forbearance Plan. A Forbearance Plan is a temporary suspension of your mortgage payments intended to allow you the time and flexibility to manage the financial challenges affecting your ability to pay your mortgage. Forbearance Plan Your monthly mortgage amount of {$25000.00} has been placed on a temporary forbearance for a period of 3 months. That means that starting on XX/XX/2020 and for the next 3 months YOU WILL NOT BE PENALIZED WITH A LATE PAYMENT CHARGE OR WITH NEGATIVE CREDIT REPORTING IF YOU MISS A MORTGAGE PAYMENT. '' I was grateful to receive the approval of the Forbearance Plan and I was waiting to receive the " specific details of your approved 3 month plan '', when I received another letter from the lender, dated XX/XX/2020 which ( erroneously ) stated : " This notice is to confirm that you have declined the COVID-10 [ sic ] Forbearance Plan assistance program. We have removed the Forbearance Plan from your loan. Please be advised that we will continue to service your loan in accordance with all applicable State and Federal laws. '' I never declined such Forbearance Plan assistance program, nor had I communicated in any way with the lender my intention to do so. Rather, I had applied for it, was happy I was approved for it and was awaiting further " specific details of your approved 3 month plan '', when I received such XX/XX/2020 letter notifying me that my approval had been withdrawn ( for no stated apparent reason ). Then I received an alert, that, despite the lender 's assurance that there would be no negative credit reports during the pendency of the three month forbearance period commencing on XX/XX/2020, the lender did make negative credit reports against my credit during such period ( on or about XX/XX/2020 ). I made numerous attempts to reach my single point of contact, as well as the escalations department and the loss mitigation department of the loan servicer to get them to place the loan back in the forbearance plan ( from which it should never have been removed ), and to delete the negative trade lines on my credit. I received no responses. Despite several emails and telephone messages to my single point of contact, he has also never responded to me, in violation of California HBOR Civil Code Section 2923.7. Likewise, neither the loan servicer nor the owner of the loan have responded to any of my RESPA Qualified Written Requests or Billing Error Notices under 12 USC 2605, nor have they corrected the credit during the 60 day dispute period ( 12 USC 2605 ( e ) ( 3 ) ), or, indeed, at all. I have applied for SBA Covid 19 Relief that is being placed in jeopardy by the erroneous negative credit reports that should not have been made during the Forbearance Period under the Forbearance Plan, which, in turn, should never have been unilaterally, and without stated reason, terminated by the loan servicer on XX/XX/2020, only one week after it had been approved for a 3 month period.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90024

Older American

Consent provided

Web

2020-05-16

Closed with explanation

Yes

2019-06-17

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

Credit reporting

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

Their investigation did not fix an error on your report

I have disputed a total of 17 derogatory items that do not belong to me with XXXX, XXXX, and Transunion. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17. XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

765XX

Consent provided

Web

2019-06-17

Closed with explanation

Yes

2023-06-16

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

Hi! I'm writing about unauthorized purchases to my account with BOFA. Since, around XX/XX/2022, we have had approximately {$19000.00} unaccounted for! It's been to our understanding that our identity was stolen. BOFA closed the old account were most of the funds had been unauthorized. The unauthorized charges continued on the new account at that time!? Most of the unauthorized charges were coming from XXXX, Colorado! We have exhausted all means of resolving these unauthorized purchases with BOFA. We've went to several branches with BOFA in person, spoke to supervisor after supervisor. They said they couldn't help us there. They just continued to tell us to call their fraud department. We and different Family members/friends attempted to try and get results with no progress! 10 to 15 times on the phone with agents, and supervisors including their fraud department, over and over! We just keep getting the run around. Stealing money from the elderly ( XXXX and XXXX ) years old! is reprehensible. Our account was closed on or around XXXX of XXXXWe were issued a new ATM/debit card and new account number. Unauthorized charges kept coming out of our account. The agents on the phone just kept placing us on hold over and over then transferred to several Supervisors with no results! Their fraud department has created 3 cases. We have 3 claim numbers with no results!!! We filed a police report case # XXXX with the XXXX. We've reached out to XXXX XXXX and they have been supportive. They referred us to you. Looking forward to hearing from you! Thank you!

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

94577

Consent provided

Web

2023-06-16

Closed with explanation

Yes

2023-01-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have a debt collection on my report from PROFESSIONAL DEBT MEDIAT. I have no knowledge of this debt collector. I have tried to report it to XXXX but nothing worked. I have never had any kind of contract or binding agreement with this company. I have no clue why they are saying I owe them any kind of money. This debt collector keeps reporting to my credit report and it is hurting my credit. I don't know if they have this in error but I have no knowledge of this company.

Professional Debt Mediation, Inc.

FL

33141

Consent provided

Web

2023-01-14

Closed with explanation

Yes

2019-12-21

Debt collection

Other 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 to 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.

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

Convergent Resources, Inc.

FL

33463

Consent provided

Web

2019-12-26

Closed with explanation

Yes

2022-01-10

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I contacted discover via certified mail about an alleged debt. They have reported negative information to the credit bureaus and the credit bureaus are saying they have sent in information verifying the debt. However, I asked discover for validation of the debt and a copy of my original signed contract ( as allowed by law ). I have attached the original letter sent via certified mail and also the signature receipt showing that my letter was received.

DISCOVER BANK

SC

29418

Consent provided

Web

2022-01-10

Closed with explanation

Yes

2017-07-10

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 spoke with Transunion today, X/XX/2017, asking them to remove XXXX credit inquiries I did not authorize. I was told I needed to get a letter asking the that the inquiry be removed, from the company who pulled my credit report. I authorized XXXX XXXX to pull my credit report. I was very specific about my credit report only being pulled one time. Instead my credit was pulled by XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. In addition XXXX XXXX has pulled my credit 4 times in 3 months, XXXX pulled my report and XXXX XXXX XXXXXXXX. I did not authorize any of these credit pulls. I have a fraud alert on my file due to ID theft and Transunion still lets just anyone pull my credit. At no time did I receive a call asking if I had authorized these companies to pull my credit report. What is the point of placing a fraud alert on my file if it is just going to be ignored!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

XXXXX

Consent provided

Web

2017-07-10

Closed with explanation

Yes

2021-12-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I pulled my credit report form Experian and noticed that there is an additional ss number and phone numbers that are not mine or associated with me.

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

Experian Information Solutions Inc.

NV

89102

Consent provided

Web

2021-12-23

Closed with explanation

Yes

2021-01-26

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

I've tried to dispute the Child Support on my Credit report and I have a letter stating when the account was open and last payment made. The information on my credit report is all wrong. No dates are correct or payments made. The account is too old to be on my credit report and fake payments, and open dates are being showed. I sent in proof as well as contacted Child Support and I am not getting the right answers. Child Support is saying they did not send in the information to the credit reporting agencies. The Credit Reporting Agencies are saying they did. I am not getting the right information and its not being removed. I sent in all the correct information and 2 of the reporting credit agencies have corrected it. Transunion has not, and while I was trying to explain that this will be my 3rd dispute the agent hung up on me. I called back and talked to as Supervisor who said she can play back the conversation and will get back to me, she never did. I need help it is stopping me to obtain a place to live.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85210

Servicemember

Consent provided

Web

2021-01-26

Closed with explanation

Yes

2021-10-11

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

We filed a dispute complaint with Chase card member services on XX/XX/21 against XXXX XXXX XXXX XXXX for transaction posted on XX/XX/21 for the amount of {$3300.00}. XXXXXXXX XXXX XXXXXXXX damaged my roof by using unsafe and substandard plywood for my roof sheathing. My roof is also leaking from where they installed the substandard plywood. They are also not licensed in XXXX and does not have the permits to work in XXXX, which is a violation of the city building code. I have contacted multiple roofers and even my homeowner 's insurance.They found problems with the flashing on the roof and sunroof and confirm that the samauma plywood used is substandard and not according to building code. Their remedy is to replace the whole roof. XXXXXXXX XXXX XXXX repeatedly deny any wrongdoing. After contacting Chase credit card services, Chase told me that, they are researching the dispute and that if they need any more evidence they will contact me. After waiting for almost a month without response from Chase, I called Chase customer service again on XX/XX/21 and spoke to XXXX. XXXX told me that the dispute team is still working on my dispute and will contact me if they need any information from me. However, I decided to send my the evidence that I had on hand against XXXX XXXX XXXX to chase via certified mail, which they received on XX/XX/21. These documents included the roofing contract, homeowners insurance findings, Attorney General Letter, building permit violation information, roof leak pictures, XXXX XXXX XXXXXXXX unlicensed in XXXX information, and substandard plywood material production information. These documents were received by Chase on XX/XX/21. After waiting almost another month without hearing from Chase, I called the chase again on XX/XX/XXXX. This time, I spoke to the agent and she told me that the dispute team needed a statement from another roofer that the material used by XXXX XXXX XXXX was substandard. We sent the expert roofer report via certified mail XX/XX/21 and Chased received it on XX/XX/21. The report from XXXX XXXX, registered roof consultant expert and licensed PA XXXX. XXXX XXXX has 38 years of roofing experience in all forms of roofing materials evaluations, application methods and design solutions. XXXX XXXX report states that the roofing plywood installed is not in accordance with the XXXX XXXX XXXX. The installed plywood do not meet code requirements and that it is structurally deficient. On XX/XX/21, we received a letter from Chase that was date XX/XX/21. It stated that that they found XXXX XXXX XXXXXXXX provided the services as agreed and expected. Chase closed my dispute and rebilled my account for {$3300.00}. I assume Chase did not receive my report from XXXX XXXX stating that the roof was substandard and not according to building code. I called Chase again on XX/XX/21 and spoke to agent XXXX and then her supervisor XXXX. XXXX said that Chase received XXXX XXXX 's report on XX/XX/21 and reopened the dispute. XXXX said there is no way I can talk to the dispute team. XXXX told me that all I can do is wait and that they will contact me if they need anything. On XX/XX/21, I received a letter from Chase stating that they are researching my dispute. However, almost at the same time I received another letter from Chase stating that " while you may have a valid complaint with the merchant, the results of our investigation confirm that the transactions are valid and no billing error occurred on your account ''. Confused by their response after I submitted proof after proof that the merchant failed to provide the service we paid for, I called Chase again on XX/XX/21. The agent, XXXX answered the phone and said that unfortunately since my dispute has passed the date of XX/XX/21, there is nothing that Chase can do to help me get the money back. I was furious by their response especially since Chase purposely sent me their response letter after XX/XX/21 so it was pass the deadline for disputing any further against the merchant. The agent XXXX kept on saying there is nothing he can do and there is no one else that can help us. We requested XXXX to give us his last name so we can document this, but he would not do so. My complaint against Chase is that they purposely did not contact me to request any evidence that they said were required for my dispute until it was past the deadline. Although I did send them proof that the merchant fail to deliver the service as expected, they disregarded my proof. On, XX/XX/21, 3 months after opening the dispute, they send me a letter stating that although I may have a valid complaint, they won't help me since it is pass the deadline of XX/XX/21. This is absolutely unacceptable for a reputable company like Chase.

JPMORGAN CHASE & CO.

PA

19114

Consent provided

Web

2021-10-11

Closed with explanation

Yes

2023-08-30

Checking or savings account

Savings account

Managing an account

Deposits and withdrawals

On XX/XX/2023, {$40000.00} was taken from my XXXX savings account and transferred to a fraudulent savings account in my name at Goldman Sachs XXXX Marcus. I did NOT open a savings account at Marcus. A few years ago I held 2 certificates of Deposit at Marcus but they matured and, as far as I knew, the accounts were closed. I subsequently learned that {$40000.00} held by Marcus was then transferred to a bank in Iowa - XXXX XXXX XXXX XXXX XXXX When I called XXXX XXXX XXXX the officer a the bank told me that she had found the deposits. She strongly suggested that I file a report with my local police department. see the attached XXXX statement showing the transfer of {$40000.00} to Goldman Sachs

GOLDMAN SACHS BANK USA

NY

106XX

Older American

Consent provided

Web

2023-08-30

Closed with explanation

Yes

2023-01-03

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

This is not a duplicate complaint and I'm representing myself, by myself. This credit dispute is being submitted because I'm victim of Identity Theft. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, 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 qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of 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 trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating this account. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. The law says that you must block these accounts while being investigated, and I expect that you will do so. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality XXXX XXXX XXXX. Account name : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account Number : XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct accounts information within my credit file. My credit issues are very specific, these accounts do not belong to me. This means that you are reporting incorrect accounts information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

601XX

Consent provided

Web

2023-01-03

Closed with non-monetary relief

Yes

2023-07-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. 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

799XX

Consent provided

Web

2023-07-12

Closed with explanation

Yes

2022-09-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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

Experian Information Solutions Inc.

IL

60643

Consent provided

Web

2022-09-20

Closed with non-monetary relief

Yes

2020-05-20

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

debt collector are changing dates on my accounts making them more recent, trying to hurt my credit score

National Credit Adjusters, LLC

NM

875XX

Consent provided

Web

2020-05-20

Closed with explanation

Yes

2023-06-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

the creditor must report the canceled amount or settled debt to the IRS using the Form 1099-C cancellation of debt I didnt receive a 1099 Form XXXXXXXX XXXX XXXX XXXXXXXX Closed XX/XX/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.

OH

44105

Consent provided

Web

2023-06-04

Closed with explanation

Yes

2017-03-06

Debt collection

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

Cont'd attempts collect debt not owed

Debt is not mine

I cancelled my XXXX service after 30 days due to non performance and numerous service calls. I have NO signed contract either ohysical or electrnic with them. They firgot that oart and I signed up by phone. I requested several times they pick up their equipment and they have ignored these requests. They have placed it for collection. An " early termination fee of {$400.00} and non return of equipment {$90.00}. I have NO contract to terminate " early '' This is merely a greedy attempt to get money for a service that was cancelled because they did not provide it.

Receivables Performance Management, LLC

OK

74055

Servicemember

Consent provided

Web

2017-03-09

Closed with explanation

Yes

No

2022-12-31

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX REPORTING PAST DUE 30 DAY PAYMENT IN XXXX XXXX 30 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 60 DAYS PAST DUE XXXX XXXX 90 DAYS PAST DUE XX/XX/XXXX 2016

EQUIFAX, INC.

CA

90028

Consent provided

Web

2022-12-31

Closed with explanation

Yes

2021-11-24

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

XXXX XXXX XX/XX/2020 {$130.00}

Self Financial Inc.

GA

30238

Consent provided

Web

2021-12-10

Closed with explanation

Yes

2021-02-03

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Inquiry appears on my credit report and have reached out to DT Credit by mail on XX/XX/XXXX where they never responded. Called ON XX/XX/XXXX DT CREDIT and they stated they can not remove the inquiry that only XXXX Called ON XX/XX/XXXX XXXX and they stated they can not remove the inquiry that only DT CREDIT CAN. Inquiry XX/XX/XXXX I have no idea what DT Credit is and they do not provide me with anything and would like this inaccurate inquiry removed

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

DriveTime

FL

33032

Consent provided

Web

2021-02-03

Closed with explanation

Yes

2020-06-30

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

In 1996, I enrolled in the XXXX XXXX XXXX program at XXXX for XXXX XXXX XXXX in XXXX, TX, I was told the program was XXXX approved and my credits were transferable to a 4 year college or university. I refinanced the loan with Nelnet and through the years, every college or university that I have applied for admission will not accept my credits or degree and state the XXXX for XXXX XXXX XXXX is not an approved higher education school. XXXX has confirmed that I can not become a member because I did not graduate from an XXXX approved program. I have contacted XXXX for XXXX XXXX XXXX for assistance and was told I could now re-enroll to earn a Paralegal certificate for additional costs.

Nelnet, Inc.

NC

28270

Consent provided

Web

2020-06-30

Closed with explanation

Yes

2017-07-07

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

3rd COMPLAINT Ref Complaint # XXXX XXXX Numerous requests to PNC to stop sending credit card offers in the mail have failed. Was assured by PNC by phone and by complaint # XXXX that I will not receive offers to my address. <P/>Please see previous complaints for additional documentation. <P/>> This is the ONLY bank that does not remove this address from their marketing.

PNC Bank N.A.

IL

605XX

Consent provided

Web

2017-07-07

Closed with explanation

Yes

2020-08-25

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

On XX/XX/2020 Comenity Capital Bank charged me an interest fee of {$4900.00}. The reason for the charge is that I did not complete my payment on time for promotional interest rate. However, I sent in a payment of {$6000.00} electronically on XX/XX/2020 to Comenity Bank, which was posted on my account. Comenity Bank did not process my payment of {$6000.00} until XX/XX/2020. Now, I'm being charged {$4900.00} worth of interest, i have tried to explain and sent in transaction details, but they are not taking it into consideration.

Bread Financial Holdings, Inc.

CA

951XX

Consent provided

Web

2020-08-25

Closed with explanation

Yes

2019-02-13

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

Conn 's account was closed on XXXX XXXX Conn 's refused to update my account to a closed account even though it was sold to a company named XXXX on XXXX XXXX, then in XX/XX/XXXX Conn 's representive said my account was then sold to a company called XXXX phone number XXXX. From XX/XX/XXXX-XX/XX/XXXX Conn 's reported late payments to all 3 credit reporting agency XXXX XXXX XXXX the status on my account XXXX XXXX i am sending a copy of recorded calls of the representive stating the was was closed on XX/XX/XXXX XXXX the status on the credit report was recently changed to charge off due to me filing a dispute through the credit beareu. But the closing date is still incorrect its is reported as XXXX and the correct date of close is XXXX XXXX.

Conn's, Inc.

TX

77706

Consent provided

Web

2019-02-20

Closed with explanation

Yes

2022-01-22

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

Credit reporting

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

Their investigation did not fix an error on your report

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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

Experian Information Solutions Inc.

PA

15206

Consent provided

Web

2022-01-22

Closed with explanation

Yes

2022-08-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized to be placed on my consumer credit file. My privacy rights have been violated. There are variation of account numbers and incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include Equifax, XXXX and XXXX all three agencies have had data breaches. I have disputed with all the three major credit reporting agencies only to be denied. On XX/XX/2022 my credit score plummeted over 100 points. This company has been on my consumer account with these inaccuracies. It has cost me a great deal of grief, money, time and stress. It has affected my health, credit score has decreased, for years I have been denied credit, denied employment, denied housing opportunities and loans.

EQUIFAX, INC.

TX

XXXXX

Consent provided

Web

2022-08-20

Closed with explanation

Yes

2022-08-05

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

Credit reporting

Incorrect information on your report

Account status incorrect

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23185

Consent provided

Web

2022-08-05

Closed with non-monetary relief

Yes

2020-07-18

Checking or savings account

Checking account

Managing an account

Problem accessing account

This is the second time ive had to use a third party source just to get a response id like my account closed and check mailed to much shady practices going on if you can just randomly freeze with no red flags and force me to travel all the way to south carolina when you know the account wasnt open in any branch. For one your not even telling me the reason why i need to step into a branch. Every transaction has my name on it except for the deposit from Texas i specifically told the branch to return. If phone calls are recorded then they should be able to find that phone call but they are selectively choosing which conversations to record and which notes to save.

TD BANK US HOLDING COMPANY

GA

30039

Consent provided

Web

2020-07-18

Closed with explanation

Yes

2023-05-12

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

They are trying to collect on debt thats suppose to been deleted from my credit files in XXXX. Its still showing on my credit files which is affecting my livelihood.

Resurgent Capital Services L.P.

MI

483XX

Consent provided

Web

2023-05-12

Closed with explanation

Yes

2022-08-12

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

Credit reporting

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

Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX XXXX

Mercedes Benz Financial Services

CA

93021

Consent provided

Web

2022-08-12

Closed with explanation

Yes

2021-05-23

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 have made more than 4 attempts to have my credit report fixed. On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( Creditor ) has notified me that they have NOT reported the information as indicated on the report provided to me on and before XX/XX/XXXX. I have disputed the account since XXXX of XXXX and provided ( XXXX, XXXX AND XXXX ) with the documentation provided to me by the creditor ( XXXX XXXX XXXX XXXX ). The agency knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. They have failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. They have communicated and are continuing to communicate incorrect and defamatory information to third parties. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I was never late on my accounts espeially not 90 days. It wendt from30 to 90 days when in fact they are reporting payments being made in the months I allegedly was late.

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

Experian Information Solutions Inc.

PA

15642

Consent provided

Web

2021-05-23

Closed with explanation

Yes

2020-11-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7600.00} XXXX/XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

706XX

Consent provided

Web

2020-11-12

Closed with explanation

Yes

2022-09-05

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have reach out to the Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority which stipulates an agreement. Additionally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Original creditor : XXXX Date opened XX/XX/2021 Balance {$380.00}

EQUIFAX, INC.

WA

980XX

Consent provided

Web

2022-09-05

Closed with explanation

Yes

2023-02-07

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

Other personal consumer report

Incorrect information on your report

Information is incorrect

XXXX Has reported that I have been involved in several not at fault accidents that havent happened causing my insurance rates to increase. Specifically on : XXXX, then comprehensive claim over {$1000.00} on XXXX XX/XX/XXXX that isn't mine. Another accident XX/XX/XXXX which isn't mine. These need to be removed.

LEXISNEXIS

TX

75040

Consent provided

Web

2023-03-02

Closed with non-monetary relief

Yes

2021-05-26

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

Credit reporting

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

Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

TX

752XX

Consent provided

Web

2021-05-26

Closed with explanation

Yes

2023-09-08

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND XXXX XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some information that appears incorrect. Not only did I find information, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. XXXX : Name to be removed XXXX XXXX XXXX. XXXX XXXX is the only name that should reflect. ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Should be the address on the credit report remove all other addresses. XXXX Collections : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX Account number XXXXXXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX Account number XXXX Hard Inquires : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX TransUnion : ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Should be the address XXXX the credit report remove all other addresses. Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Hard Inquires : XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor Hard Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.Code $ 1681b 15 U.S.Code $ 1681c-2 15 U.S.C 1692 ( g ) ( a ) 15 U.S.C 1692 ( f ) ( 7 ) 15 U.S.C 1692 ( f ) ( 8 ) 15 U.S.C 1692 ( C ) ( A ) 15 U.S.C 1692 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 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33313

Consent provided

Web

2023-09-08

Closed with non-monetary relief

Yes

2023-05-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

TX

79936

Consent provided

Web

2023-05-19

Closed with non-monetary relief

Yes

2023-08-01

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33461

Consent provided

Web

2023-08-01

Closed with non-monetary relief

Yes

2017-11-01

Checking or savings account

Checking account

Problem caused by your funds being low

Non-sufficient funds and associated fees

I recently had a payment for a bill come out of my Wells Fargo account around XXXX/XXXX/XXXX. I had meant for it to come out of another account. I am on a very limited income but I accepted that it was my fault. The account was overdrawn by approximately {$200.00} and an overdraft fee was assessed. I was making {$20.00} payments on it when I got paid every two weeks as this is all I could afford. While making payments, I received numerous calls from the collections department. I answered and spoke with a guy who tried to get me to commit to a larger payment than I could afford and on an exact date. I told him that I would pay what I could, when I could. I continued making my {$20.00} payments every two weeks, give or take a few days. About three days after the fourth payment, on XXXX/XXXX/XXXX, they closed my checking account despite the fact that I was clearly making regular payments and would have it paid off soon. Now it will reflect poorly on me in XXXX or whatever reporting agency Wells Fargo uses. I paid what I could as soon as I could and not sure what else I could have done when they closed my account.

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

WELLS FARGO & COMPANY

TX

75074

Consent provided

Web

2017-11-01

Closed with explanation

Yes

2020-01-31

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

Receivables Management has violated my rights under the Fair Credit Reporting Act and the Fair Debt Collection Act. I asked for proof and validation of the debt from Receivables Management, I explained that it was impossible for me to have a bill from their client as I have always had insurance. Receivables Management has failed to act responsibly in this matter.

Io, Inc.

VA

23831

Consent provided

Web

2020-01-31

Closed with explanation

Yes

2022-05-17

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33325

Consent provided

Web

2022-05-17

Closed with non-monetary relief

Yes

2022-12-31

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

Credit reporting

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

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act under 15 U.S.C. 1681 section 602 A states : I have the right to privacy.15 U.S.C . 1681 section 694 A Section 2 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. The list of accounts appearing on my credit files by XXXX, XXXX and Equifax below have violated my federally protected consumer rights to privacy and confidentiality reporting as stated above : XXXX. XXXX XXXX XXXX XXXX {$990.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$86.00} - Acct # XXXX XXXX. XXXX XXXX- {$1100.00} - Acct # XXXX XXXX. XXXX XXXX- {$730.00} - Acct # XXXX XXXX. XXXX XXXX- {$1500.00} - Acct # XXXX XXXX. XXXX XXXX XXXX- {$890.00} - Acct # XXXX XXXX. XXXX - {$1100.00} - Acct # XXXX XXXX. XXXX - {$700.00} - Acct # XXXX

EQUIFAX, INC.

IL

60620

Consent provided

Web

2022-12-31

Closed with explanation

Yes

2023-06-23

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

Credit reporting

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

Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.

Affirm Holdings, Inc

NY

10461

Consent provided

Web

2023-06-23

Closed with explanation

Yes

2018-02-27

Credit card or prepaid card

General-purpose credit card or charge card

Incorrect information on your report

Information belongs to someone else

XXXX XXXX Care Credit was reporting to the major credit bureaus that I was an authorized user of a Care Credit account. I do understand that Care Credit can report Authorized User credit history to the credit bureaus. This isn't the problem. I am unaware of being an " authorized user '' on any Care Credit account ( I had my own, which was paid and closed, a while back ). The account I was supposedly an authorized user on was opened in XX/XX/2014. I've only discovered it because I am trying to buy a house and had to get my report. Even though there is a positive payment history, the high balance is hurting me and keeping me from getting a loan. I disputed the account showing I was an " Authorized User '' to XXXX and Care Credit apparently verified the information as accurate, then updated it to report that the account was my own! This makes the problem worse. How did Care Credit determine I was no longer an " authorized user '' but now, all of a sudden, the actual primary account holder? That's nuts.

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

SYNCHRONY FINANCIAL

FL

346XX

Consent provided

Web

2018-03-01

Closed with non-monetary relief

Yes

2022-10-03

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite multiple written requests, the unverified accounts listed below still reporting on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible to correct this accounts in my file : XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$11000.00}

EQUIFAX, INC.

MD

20774

Consent provided

Web

2022-10-03

Closed with explanation

Yes

2020-01-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was trying to cosign for my mom a new vehicle, and the car salesman told me my credit was low. I told him to show me my score and report. There are items on my credit that does not belong to me. These are the items that needs to be removed. XXXX XXXX XXXX XXXX XXXX {$92.00} XXXX XXXX XXXX {$820.00} XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX {$400.00}

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

Experian Information Solutions Inc.

AR

72204

Consent provided

Web

2020-01-29

Closed with non-monetary relief

Yes

2022-07-15

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

Credit reporting

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

Their investigation did not fix an error on your report

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. ATTACHMENTS BELOW SHOWS THE ERRORS ON MY CREDIT REPORT This the 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 A section 2 : It also states a consumer agency can not furnish an account without my written instructions

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

Experian Information Solutions Inc.

TN

38111

Consent provided

Web

2022-07-15

Closed with non-monetary relief

Yes

2018-06-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.

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

Experian Information Solutions Inc.

NY

11510

Consent provided

Web

2018-06-29

Closed with non-monetary relief

Yes

2022-07-08

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

Credit reporting

Incorrect information on your report

Account information incorrect

Hello my name is XXXX XXXX. I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed. I also read where I can get the updated report after you investigate this from the XXXX XXXX XXXX Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

EQUIFAX, INC.

AL

352XX

Consent provided

Web

2022-07-08

Closed with explanation

Yes

2015-10-28

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

I have written and written this firm many many times with no response. they are reporting on my credit report and will not send me any information about the debt they are reporting. This firm keeps verifying with the credit bureaus without having validated it with me which is a violation of the law. They just ignore consumer mail i guess. this is causing me financial hardship and the continued reporting of an unvalidated unverifiable debt is illegal.

Lazarus Financial Group, Inc.(Closed)

FL

328XX

Consent provided

Web

2015-10-28

Closed with explanation

Yes

No

2021-01-30

Debt collection

Auto debt

Written notification about debt

Didn't receive enough information to verify debt

On XX/XX/XXXX a sworn Affidavit of Truth Was Sent by certified mail in regards to 9 Federally Protected Consumer Violations under 15 USC 1692 Please be advised from sworn Affidavit of truth PenFed Credit Union failed to validate my debt request. In fact there respond is attached below as Exhibit A.In addition to pursuant to The Fair Credit Reporting Act15 USC 1681a ( 2 ) under Exclusions of a Consumer Report 1681a ( 2 ) Except as provided in paragraph 3 the term consumer report does not include -- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. Pursuant to the definitions section of Truth In Lending 15 USC 1602 ( l ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Fact I am aware the card used to initiate this credit transaction was my social security card. Therefore any transaction that arose from this credit card should not be furnished on my Consumer Report. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that PENFED CREDIT UNION is in violation of 15 USC 1692b ( 5 ) and 15 USC 1692b ( 2 ). Fact, affiant is aware that PENFED CREDIT UNION did not validate the alleged debt pursuant to 15 USC 1692g and is in violation for failure to validate the alleged debt by my request made on via certified mail XX/XX/XXXX. In fact PENFED CREDIT UNION provided documents in the form of positive statements along with deceptive and misleading forms of information. Fact, affiant is aware and has proof in which exhibit A attached PENFED CREDIT UNION is a debt collector under definitions sections of the FDCPA 15 USC 1692. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. Fact, affiant is aware and has proof in the attachments labeled as Exhibit A stated that a debt was allegedly owed, in Exhibit B, Exhibit C, Exhibit D, Exhibit E, Exhibit F, and Exhibit G PENFED CREDIT UNION is in violation of 15 USC1692 ( e ) ( 2 ) ( a ) of the amount of alleged debt owed.

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

PENTAGON FEDERAL CREDIT UNION

NY

10801

Consent provided

Web

2021-01-30

Closed with explanation

Yes

2021-01-30

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

XXXX I had autopayment setup some how I kept occurring late payments from my account I would XXXX dollars a month XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX also it was incorrect information on credit report as well. Avant- credit card same problem late fees XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX

Avant Credit Corporation

IL

60628

Consent provided

Web

2021-01-30

Closed with explanation

Yes

2020-01-13

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

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

CAPITAL ONE FINANCIAL CORPORATION

NC

28078

Consent provided

Web

2020-01-17

Closed with explanation

Yes

2023-03-22

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}

EQUIFAX, INC.

LA

70460

Consent provided

Web

2023-03-22

Closed with explanation

Yes

2017-12-28

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I traveled to XXXX inXX/XX/XXXXand used my Citibank Mastercard on XX/XX/XXXX for 1 transaction at a restaurant ( XXXX XXXX ) for {$59.00}. When I returned to the US, I found a second transaction on my account from the same restaurant for {$350.00}. I immediately contacted Citibank to report a fraudulent charge on XXXX/XXXX/XXXX and was issued a credit and a new card. Since then, Citibank has re-added the {$350.00} charge to my account twice ( on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) with the following explanation ( from a Citibank letter dated XXXX/XXXX/XXXX ) : Our investigation found that the disputed charges ( s ) is not related to a fraud disputes ( s ). You provided your credit card number to XXXX XXXX XXXX XXXX XXXX XXXX, therefore, this charge ( s ) is not unauthorized. In other words, I used my card for a legitimate transaction, so they think any fraudulent transactions that occur after that are still authorized, which is clearly against my card holder agreement. I have submitted documentation to Citibank contesting the charge as fraud with my legitimate receipt 3 times. I have spent several hours on the phone ( on XXXX, XXXX, XXXX, and XXXX/XXXX/XXXX ) with Citibank representatives and supervisors, being passed back and forth between the Billing Dispute Group and Security Services Group, with each group saying that I needed to speak to someone in the other group. As of today ( XXXX/XXXX/XXXX ), Citibank has added the fraudulent charge back on my account. They sent a copy of the charge from the merchant and it 's very clear that the signature was badly faked ( it is not even close to looking like my signature on the legitimate transaction ) and was processed hours after I left XXXX XXXX and was back at my hotel. This is not only terrible customer service, but it is clearly in violation of my cardholder agreement which states " {$0.00} Liability on Unauthorized Charges You wo n't pay for any unauthorized charges made on your consumer Citibank Debit Card and consumer credit cards. ''

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

CITIBANK, N.A.

VA

22042

Consent provided

Web

2017-12-28

Closed with monetary relief

Yes

2021-11-29

Debt collection

Private student loan debt

Attempts to collect debt not owed

Debt was result of identity theft

RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( XXXX ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. LINCOLN TECH balXXXX {$5000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( XXXX ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall 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 four ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX

Lincoln Educational Services Corporation

LA

712XX

Consent provided

Web

2021-11-29

Closed with explanation

Yes

2019-01-29

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file that I do not owe. This debt is also past the statute of limitation. XXXX XXXX and XXXX XXXX are in clear violation. They can not double report the same debt on my credit file.

CL Holdings LLC

UT

84403

Consent provided

Web

2019-01-29

Closed with non-monetary relief

Yes

2018-12-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have spent thousands of dollars trying to delete this account from my credit report. I paid the balance and it wasnt mine. Ive sent out 10 dispute packets to each bureau. My identity was stolen and my signature was forged.

EQUIFAX, INC.

GA

30126

Consent provided

Web

2018-12-06

Closed with explanation

Yes

2023-05-11

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

Credit reporting

Incorrect information on your report

Account information incorrect

Hi there, I have had issues with XXXX XXXX not accurately reporting positive activity on my account. My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. I also noticed that equifax did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for XXXX no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.

EQUIFAX, INC.

CA

900XX

Consent provided

Web

2023-05-11

Closed with explanation

Yes

2019-09-25

Vehicle loan or lease

Lease

Incorrect information on your report

Account information incorrect

I turned over my vehicle XX/XX/2019 the dealership failed to ground car. I called several times to have a manager resolve it and no one called me back. My credit report is showing I owe money to a lease I no longer have and its being reported as a late payment.

NISSAN MOTOR ACCEPTANCE COMPANY LLC

NY

11233

Consent provided

Web

2019-09-25

Closed with explanation

Yes

2023-09-05

Credit card

General-purpose credit card or charge card

Closing your account

Company closed your account

XXXX of last year Bank of America offered a program to make a payment plan to bring the balance on my credit card down. I met all the requirements on my payments as well as making future payments. I recently tried to use the card today to catch an XXXX. There was an error message so I called customer service. They claimed the account had been closed since XX/XX/2023 and I should have gotten a letter by the mail. I didnt receive any letter nor an email or notification within the Bank of America app inbox of the account being closed. I have been making on time payments of {$81.00} by the XXXX of the month via the mobile app.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

94607

Consent provided

Web

2023-09-05

Closed with explanation

Yes