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2018-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | FICO Score and Reports are not updated with the correct information. After contacting the company serval months to rectify the inaccuracies, yet a solution has yet to be determined. I ask that this item be removed until the proper amount owed is negotiated and agreed in terms of the correct amount. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MS | XXXXX | Servicemember | Consent provided | Web | 2018-05-08 | Closed with explanation | Yes | null | 2,899,631 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89130 | null | Consent provided | Web | 2023-09-06 | Closed with non-monetary relief | Yes | null | 7,506,293 |
2021-07-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information. | null | EQUIFAX, INC. | TX | 78258 | null | Consent provided | Web | 2021-07-30 | Closed with explanation | Yes | null | 4,587,922 |
2020-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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! | null | Bread Financial Holdings, Inc. | GA | 30345 | null | Consent provided | Web | 2020-01-16 | Closed with explanation | Yes | null | 3,492,673 |
2017-06-10 | Credit card or prepaid card | Store credit card | Closing your account | Company closed your account | I received a letter from Synchrony Bank date d XX/XX/XXXX , stating my 11 accounts ( Paypal, Chevron, Gap, Old Navy , Wal-Mart, XXXX , TJX, JCPenney, Walmart MC , Amazon, and XXXX ) were currently under review and my charging privileges were suspended. <P/> Synchrony Bank requested that I sign and complete the enclosed IRS XXXX . Therefore, I signed and completed the IRS XXXX form and mailed it back to Synchrony Bank. <P/> I received a letter dated XX/XX/XXXX , from Synchrony Bank stating my accounts were closed due to being unable to substantiate the income provided with the IRS. <P/> HERE ARE THE FACTS : In XX/XX/XXXX , I signed and sent in form XXXX along with a copy of my marriage certificate, social security card, drivers license, as well as my non-taxable income pay stubs. <P/> On XXXX / XXXX / XXXX , I received a letter from the IRS stating they were not able to provide the requested XXXX due to the name not matching. Also, I received a letter from Synchrony bank on that same date stating my accounts were closed due to my income not being substantiated with the IRS. <P/> After numerous phone calls made to Synchrony Bank on XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , and XX/XX/XXXX , I recei ved a return call from a representative. I explained my situation to the representative and she stated she would be mailing me out a new XXXX form in the name XXXX to sign. This was due to me writing my maiden name XXXX on the form, as my IRS tax return is filed in my maiden name " XXXX . '' I explained to the representative that my IRS tax returns were filed in my maiden name, which is XXXX . She stated this will not be a problem. I also stated to the representative that I previously sent in my MARRIAGE CERTIFICATE as proof of my maiden name. She stated once the form was signed and mailed back, my accounts would be reopened. <P/> Finally, on XX/XX/XXXX , I received a letter from Synchrony bank stating that I had to complete and re-sign the form XXXX . Therefore, I promptly signed the XXXX form and mailed it back to Synchrony bank. <P/> As of XX/XX/XXXX , I have not received any correspondence regarding my second XXXX EZ form, and all of my accounts are still closed. <P/> I have called on numerous occasions ( XX/XX/XXXX ) trying to resolve this issue, to no avail. I have not received a call back or any correspondence regarding the status of this matter. UPDATE After signing and submitted all requested documentation to Synchrony bank : two ( 2 ) XXXX forms ( one in XXXX ( maiden name ) and one in XXXX ( married name ) ) ; marriage certificate ; social security card ; XXXX Driver 's License ; proof of residency ; as well as proof of income ( non-taxable ), Synchrony bank still CLOSED all of my accounts ( 11 ). <P/> Synchrony bank has wrongfully clo sed my 11 acc ounts. I currently have an income of {$71000.00} which I submitted proof ( substantiated ) ( {$29000.00} taxable ; {$42000.00} non-taxable ). <P/> I am requesting an immediate re-investigation into this matter due to Synchrony bank wrongfully closing my accounts. I was " misled '' by Synchrony bank into providing my private IRS tax transcripts to XXXX XXXX , only for them to close my accounts. <P/> What Synchrony bank has done to me is illegal and unethical.and purposefully deceitful. As I have complied with all of Synchrony bank 's requests for verification, tax transcripts, etc. My concerns, comments, and complaints were completely ignored and every interaction was negatively escalated by representatives of Synchrony bank because they did not want to help me in the first place. <P/> Synchrony bank is a " poor '' representation of all brands affiliated with it. I wish to bring awareness to the lack of support and good business practices o f Synchrony Financial which reflect poo rly on these businesses. Synchrony bank has no morals, does not stand for the people, and is a terrible representation of American companies and brands. <P/> In order to hold Synchrony bank accountable, I am requesting appropriate sanctions as seen suitable by CFPB be imposed on Synchrony bank. I am also requesting Synchrony bank reinsta te my 11 accounts immediately. <P/> Thank you, XXXX XXXX ( XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | 95843 | null | Consent provided | Web | 2017-06-12 | Closed with explanation | Yes | null | 2,542,495 |
2017-11-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Shermeta law group is fraudulent cashing check 's made payable to XXXX XXXX and not reporting the payments to my credit bureau since XXXX XXXX. My Payment 's are current and now they filed default judgement againt 's, I am a XXXX Employee that is XXXX and have XXXX. XXXX XXXX XXXX and their Client XXXX XXXX are in Violation of XXXX XXXX XXXX 's code of conduct and zero tolerance anti harassment that covers all XXXX XXXX division and entity 's including their Client XXXX XXXX. A complaint has been filed with XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX HR againt 's XXXX XXXX and XXXX XXXX XXXX, a Complaint has also been filed with XXXX and XXXX. They have also caused me to be evictied by not working with me when I was on layoff XXXX, and Ca n't afford my medications, These companies will not stop harassing me and making me sick with XXXX XXXX and XXXX. Maybe XXXX and their Client XXXX XXXX should review XXXX XXXX 's code of conduct and the zero tolerance harassment, legal action can be sought after XXXX and XXXX XXXX for violation of policy. Make them report those payments to my credit bureau and stop harassing me. Please. Everytime a complaint is filed I get no answer to the question, WHY ARE MY PAYMENT 'S NOT BEING REPORT TO MY CREDIT BUREAU????. I WILL KEEP FILING COMPLAINT 'S DAILY TILL I GET THAT ANSWER? Why will they not answer that question? Do I have to go daily to there office or to shermeta 's attorney house to get a answer??? This also need 's to be sent to XXXX XXXX. Thank you. | null | Shermeta Law Group, PLLC | MI | 48430 | null | Consent provided | Web | 2017-11-12 | Closed with explanation | Yes | null | 2,727,077 |
2016-04-05 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | Have received collection notice but never received a bill from the supposed creditor. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Kriya Capital, LLC | MS | 395XX | Older American, Servicemember | Consent provided | Web | 2016-04-05 | Closed with non-monetary relief | Yes | No | 1,864,221 |
2021-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I filed a dispute over 30 days ago and I have not heard anything concerning my investigation results. | Company believes the complaint provided an opportunity to answer consumer's questions | GREATER SUBURBAN ACCEPTANCE CORPORATION | IL | 604XX | null | Consent provided | Web | 2021-08-02 | Closed with explanation | Yes | null | 4,596,758 |
2022-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 368XX | null | Consent provided | Web | 2022-06-24 | Closed with non-monetary relief | Yes | null | 5,707,500 |
2021-11-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.
The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance.
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW. | null | EQUIFAX, INC. | NY | 125XX | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,904,290 |
2018-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | This inquiries was unauthorized. I have contacted all three credit bureaus as well as each one of the listed companies on several occasions. The credit bureaus have advised me there is nothing they can do about falsely obtained credit inquiries without letters from the companies that pulled my credit. I have reached back out to the reporting companies and advised that the pulls were obtained without my consent, and the companies have all refused to remove anything about them, I consistently am advised to wait 2 years for them to fall off, however these pulls were never authorized nor are they valid.. I am at my witts end and believe that I should not be held accountable for something on my credit report that is not only INACCURATE but illegally obtained. These inquiries all happened between XX/XX/XXXX-XX/XX/XXXX. Thank you. | null | Security National Automotive Acceptance | GA | 31405 | null | Consent provided | Web | 2018-05-09 | Closed with explanation | Yes | null | 2,897,208 |
2023-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2023. Its been well over 30 days. I still have received anything back.
According to 15 USC 1681i ( a ) ( 1 ( ) ( A ) XXXX, Transunion, and XXXX have 30 days to respond to my dispute.
This a violation of my rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 761XX | null | Consent provided | Web | 2023-07-07 | Closed with explanation | Yes | null | 7,213,041 |
2022-01-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | My name is XXXX XXXX, I am writing this letter to complain about the unfairness of the Investigation Department, Security Services at Citibank, NA / AAdvantage, in regard to a credit card, which was used by someone other than me in the XXXX XXXX XXXX store on XXXX XXXX.
In XX/XX/XXXX, I went online to make a payment to above credit card.
I inquired why my balance was so high, as I didnt remember buying anything lately, as I have Auto Pay and dont use the credit card much, nor do I get statements. I was informed that a purchase had been made on XX/XX/XXXX, at XXXX XXXX XXXX Store # XXXX in XXXX XXXX XXXX XXXX, for the amount of {$7000.00} for jewelry.
I informed her I didnt make the purchase, she agreed to put an investigation on it. The credit card was cancelled, a new one was sent to me in the mail with the {$7000.00} charge on it.
I received the statement copy, sent to me, looked over the charge on my card, which bothered me, but I thought it being a mistake, itll get fixed.
On XX/XX/XXXX, I called Citibank N.A. /AAdvantage again, I spoke with XXXX XXXX for another investigation as I have never been to XXXX XXXX XXXX as stated on the statement, nor have I ever been or purchased anything in a XXXX XXXX XXXX XXXX.
I received a letter on XX/XX/XXXX, from Citibank , N.A . Security Services stating, Investigation was completed, and the dispute is now closed, making me responsible for the charge because the charge card was in my possession. Making me the scape goat for this charge!
On XX/XX/XXXX, I decided to do my own investigation, I called XXXX XXXX XXXX, after speaking with the fraud department, I was informed, XXXX XXXX XXXX do not require signatures on their receipts any longer and their videos are not available after 30 days, which is what I had asked about, to verify it wasnt me in the store making the purchase. I was also informed me that there were no notes nor any indication Citibank N.A. /AAdvantage had done any investigations on this incident, it appears no one has followed up on who really made the purchase. Im willing to take a lie-detector test or whatever it will take to prove the purchase was not done by me.
Im XXXX years old, I live alone and live on {$1500.00} a month Social Security check. My husband passed away on XX/XX/XXXX, my XXXX adult daughters are married and responsible citizens. All living here in Florida. If an investigation needs to get done on any of us, we are all willing to take lie detector test and whatever methods to prove Im telling the truth.
This {$7000.00} charge needs to be taken off my Citibank N.A /Advantage Credit Card , as I did not make the purchase, nor did I authorize anyone to use my Credit Card XXXX
Whatever needs to be done to prove Im not responsible for the {$7000.00} purchase, at XXXX XXXX XXXX. I will do.
I dont know how this could happen, but I will not pay for something I didnt buy. Credit Card numbers can be inverted by someone not seeing too well and with all the technology out there, anything can happen, and it does.
XXXX XXXX XXXX must have receipts showing a signature, videotaping by the store must have been done. XXXX XXXX XXXX is a prestiges store, how could they allow this to happen?
{$7000.00} may not be a lot of money to XXXX XXXX XXXX, but to me its an overwhelming amount of money. Ill fight this until it is removed from my credit card, and credit reporting agencies.
Im XXXX years old, I'm having sleep-less nights, stressing over my credit being ruined, if I don't pay this off and getting sick thinking someone's using my identity to make purchases without my knowing it. How can I protect myself against all the scammers in the world today? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 32765 | Older American | Consent provided | Web | 2022-01-31 | Closed with monetary relief | Yes | null | 5,126,188 |
2022-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file.
XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89166 | null | Consent provided | Web | 2022-07-26 | Closed with explanation | Yes | null | 5,814,496 |
2018-09-19 | 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 | Fillied a disputes on XX/XX/XXXX About two transactions from XX/XX/XXXX for {$2500.00} and XX/XX/XXXX for {$2900.00} for XXXX.
This vendor has failed and canceied all the services purchased. Capital One has failed to abide by Consumer Protection Laws. | null | CAPITAL ONE FINANCIAL CORPORATION | CT | 068XX | null | Consent provided | Web | 2018-09-19 | Closed with non-monetary relief | Yes | null | 3,023,016 |
2022-06-11 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | I have had a capital one credit card since XXXX. On XX/XX/XXXX I advised capital one that I needed to buy urgent medication for my child in California. The closed my credit card. I immediately sent capital one my drivers license to prove its me. The employees were super unprofessional and non accommodating to help me remove the restriction. Finally XX/XX/XXXX I sent my drivers license again and again and it was Re opened. XX/XX/XXXX I paid my balance in full {$720.00} before my due date. XX/XX/XXXX they sent a letter to my moms address XXXX XXXX w non signature informing me they closed my card and I was rude. Today XX/XX/XXXX XXXX XXXX informed me they lowered my credit capital one by closing my account and put a permanent remark about me to XXXX for 10 years. This capital one is unreal theyre rude unprofessional and did illegal things to me. Theres a class action lawsuit against capital XXXX XXXX dollars and XXXX XXXX customers were affected by their actions. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 33180 | null | Consent provided | Web | 2022-06-11 | Closed with explanation | Yes | null | 5,660,005 |
2022-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX 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.
In accordance with the Fair Credit Reporting act XXXX 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.
In accordance with the Fair Credit Reporting act XXXX 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.
In accordance with the Fair Credit Reporting act 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX 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.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 190XX | null | Consent provided | Web | 2022-02-23 | Closed with explanation | Yes | null | 5,255,658 |
2021-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94509 | null | Consent provided | Web | 2021-01-20 | Closed with explanation | Yes | null | 4,081,632 |
2022-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | these companies will not give me my credit report, they have me mail in my identification and make it difficult to freeze these 3rd party reports. They need to be frozen immediately and the address, phone, email and work need to be updated, instead of all these fake addresses. Their websites dont allow me to freeze REPORTING OF ADDRESSES THAT ARE NOT MINE MY NAME IS XXXX XXXX XXXX MY ADDRESS IS XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NV XXXX MY PHONE NUMBER IS XXXX XXXX XXXX MY EMAIL ADDRESS IS XXXX MY SECOND HOME ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX my Jobs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
15 U.S. Code 1681i THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE | null | Factor Trust | NV | 89084 | null | Consent provided | Web | 2022-11-07 | Closed with explanation | Yes | null | 6,169,442 |
2018-09-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FTC VIOLATIONS CRA 2 SOCIAL SECURITY ALL MAJOR VIOLATIIONS | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77057 | null | Consent provided | Web | 2018-09-18 | Closed with explanation | Yes | null | 3,022,284 |
2022-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX Balance Owed : {$30000.00} XXXX XXXX XXXXXXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 631XX | null | Consent provided | Web | 2022-07-27 | Closed with non-monetary relief | Yes | null | 5,814,159 |
2023-01-13 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | On XXXX I posted a payment for XXXX on my account i had a XXXX credit line. the day after I made the payment -- which i made to be able to pay bills and make a large purchase -- they reduced my credit line to XXXX and since there was no notification i proceeded to process the planned payment which put my account over the limit at the XXXX i also can no longer complete and intended purchase. due to the line decrease. The customer service rep stated it is in my terms they can change the limit without notice -- i dont think that is true but the timing of this line decease feels intentional. once they locked in the payment they reduced the line within 24 hrs if i knew this was coming i would have still made a payment but not the XXXX this may be legal it may not but if this was not legit they are not going to tell me. | null | DISCOVER BANK | CT | 067XX | null | Consent provided | Web | 2023-01-13 | Closed with explanation | Yes | null | 6,436,004 |
2023-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60153 | null | Consent provided | Web | 2023-07-18 | Closed with explanation | Yes | null | 7,276,060 |
2023-05-31 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX this is on my credit report for XXXX this is not my account reporting on XX/XX/2023 Hunter Warfield inc this is not on my credit report for XXXX this is not my account reporting XX/XX/2023 | null | HW Holding, Inc | TX | 77338 | null | Consent provided | Web | 2023-05-31 | Closed with explanation | Yes | null | 7,046,567 |
2017-09-03 | Checking or savings account | Savings account | Opening an account | Account opened as a result of fraud | In light of the XXXX XXXX scandal, I would like to report a similiar fraud with Bank of America. On or about 2014, I had opened a Checking Account with Bank of America. Without my knowledge or consent, a Savings Account was opened in my name. After realizing I incured a {$15.00} fee, I went to the branch to resolve the issue. I was told that when I signed up for the account I consented to the charges and the teller showed me the signed form. When I told her that was not my signature, she simply stated she should not have showed that to me. The branch said they would try to resolve the issue and I also reported the issue via phone to customer service. The matter was never resolved, I never received a refund, and I just closed my accounts. I suspect a cover up for falsify documents and my signature to create an account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 10021 | null | Consent provided | Web | 2017-09-03 | Closed with explanation | Yes | null | 2,657,375 |
2015-08-20 | Debt collection | Other (i.e. phone, health club, etc.) | Improper contact or sharing of info | Talked to a third party about my debt | CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company | null | Critical Resolution Mediation LLC | MO | 640XX | null | Consent provided | Web | 2015-08-31 | Closed | No | No | 1,528,950 |
2021-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have multiple mortgages with XXXX and XXXX. I have been paying all my mortgages on time for years. In XXXX 2019, i changed my autopay bank account. Payment didn't go through as i autopay kicked off after a month. Upon further checking i was told when switching autopay it kicks off after a month and have to be paid manually first month. This was reported as late payment to credit agencies and it dropped 74 points on report. This is really hurtful. I have so many mortgages and never been late on single one for years.
This could have been avoided if : - There was an alert/indication during autopay setup - Bank sent any letters on late payments highlighting late payment ( only thing i kept receiving was regular statements ) - Call to notify of late payment All i request the bank is to withdraw this late record looking at my history and nature of the issue with the late payment.
Thanks | null | EQUIFAX, INC. | AZ | 85286 | null | Consent provided | Web | 2021-05-11 | Closed with explanation | Yes | null | 4,369,608 |
2020-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft, these accounts I had nothing to do with that are showing incorrectly on my credit report | null | EQUIFAX, INC. | NY | 10016 | null | Consent provided | Web | 2020-03-16 | Closed with explanation | Yes | null | 3,567,700 |
2018-12-10 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately. Thanks | null | Resurgent Capital Services L.P. | LA | 708XX | null | Consent provided | Web | 2018-12-10 | Closed with explanation | Yes | null | 3,095,824 |
2019-06-14 | Vehicle loan or lease | Loan | Incorrect information on your report | Account information incorrect | About 4 years ago my husband was sent home from his job early after putting in his 2 weeks notice. This was 3.5 weeks before his new job was to start. I called the loan company as we lived in Arizona a right to work state cause we didnt get paid. The loan company asked if I knew when we'd get paid at that time I did not. We missed 2 payments as we went 6 weeks without pay. We made a payment and set up auto pay biweekly. The auto payments monthly were {$200.00} more than my payment. We recently applied for a home loan only to find out the loan company reported the last 2 years and 2 months of payments late. One auto pay we never missed a payment. I have contacted the company and they told me I'm out of luck. I finally read the reviews on the company and found this happens often and in fact they have had several lawsuits around this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | CO | XXXXX | null | Consent provided | Web | 2019-06-14 | Closed with explanation | Yes | null | 3,275,644 |
2023-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' XXXX XXXX XXXX Balance details 0 % paid off Balance {$4500.00} Balance updated XX/XX/XXXX Original balance {$4500.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late.
Status updated XX/XX/XXXX Original balance {$4500.00} Monthly payment {$0.00} Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms XXXX Months Company sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.
RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!
These accounts should not be furnished on my consumer report as they are in VIOLATION!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY. | null | EQUIFAX, INC. | NY | 11779 | null | Consent provided | Web | 2023-07-06 | Closed with explanation | Yes | null | 7,207,360 |
2022-11-29 | Checking or savings account | Savings account | Opening an account | Didn't receive terms that were advertised | Hello.
I opened XXXX accounts with J.P. Morgan Chase back on XX/XX/2022, there was advertising, that the bonus for opening and fulfilling the requirements would be prompted.
For opening Saving account, putting XXXX $ on that account in the next 20 days, and keeping the balance for 90 days - XXXX $ in the next 15 business days, I posted the amount they wanted on XX/XX/2022, and kept it until XX/XX/2022, with no bonus until XX/XX/2022, For opening checking, it's been advertised I'd get XXXX $ for Direct Deposit that going to come to my account, and XXXX $ for both. called and wrote to customer service, with no luck in getting anything, they stated, the bonus promo code had not been applied, but I used the link, they gave to me. | null | JPMORGAN CHASE & CO. | VA | 221XX | null | Consent provided | Web | 2022-12-16 | Closed with monetary relief | Yes | null | 6,256,971 |
2021-12-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 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 Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | PA | 15210 | null | Consent provided | Web | 2021-12-23 | Closed with explanation | Yes | null | 5,036,525 |
2023-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors.
Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29210 | Servicemember | Consent provided | Web | 2023-07-29 | Closed with non-monetary relief | Yes | null | 7,323,676 |
2022-10-06 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/2022, I was notified by XXXX and XXXX of my credit score decreasing by XXXX points due to a debt collection of {$100.00} for XXXX by a Debt Collector, MRS Associates XXXX XXXX XXXX I would like to point out that XXXX is " not '' my utility company.
Per my credit report, MRS Associates is located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX with a phone number of ( XXXX ) XXXX ; ( XXXX ) XXXX On XX/XX/XXXX XXXX and XXXX, I tried to contact them several times by phone at the numbers listed above and was kept on hold over 20 mts and then disconnected. No one was able to assist me, their phone system disconnects and asks to try again later.
I am very frustrated with what has happened and how they have reported negatively to the credit reporting agencies. I don't know who MRS Associates is nor have they contacted me previously either by mail, phone or email. They did not take the proper steps to notify me or discuss with me. I have incredible credit status with no negative information on it, and now due to MRS Assocaites, there is a negative scar on my report.
I hope we can clear this matter up as soon as possible and MRS is held accountable for false accusations against myself and my credit reporting status.
Thank you in advance for your time.
XXXX | Company believes complaint represents an opportunity for improvement to better serve consumers | MRS BPO, LLC | NJ | 08087 | null | Consent provided | Web | 2022-10-06 | Closed with non-monetary relief | Yes | null | 6,056,186 |
2022-01-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report. | null | EQUIFAX, INC. | MD | 20785 | null | Consent provided | Web | 2022-01-05 | Closed with explanation | Yes | null | 5,073,894 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}. | null | EQUIFAX, INC. | NC | 28304 | null | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,250,004 |
2021-10-11 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | MOHELA/DEPT OF ED Contact XXXX XXXX XXXX XXXX, MO XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$7200.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE. | Company believes it acted appropriately as authorized by contract or law | MOHELA | CA | 91764 | null | Consent provided | Web | 2021-10-11 | Closed with explanation | Yes | null | 4,799,602 |
2023-03-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have NO contracts or business dealings with XXXX. XXXX and credit agencies along with Chrysler Capital who sold my information to XXXX without my knowledge, traded information to discredit my credit report. | null | SANTANDER HOLDINGS USA, INC. | OK | 73110 | null | Consent provided | Web | 2023-03-13 | Closed with explanation | Yes | null | 6,687,708 |
2020-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have disputed inquiries on my credit report, however the companies and credit bureau continue to report these unauthorized inquiries | null | EQUIFAX, INC. | GA | 30038 | null | Consent provided | Web | 2020-06-06 | Closed with explanation | Yes | null | 3,686,665 |
2021-10-19 | Checking or savings account | Checking account | Managing an account | Banking errors | Capital One Has refused to send me documentation for the disputed charges showing they are valid. the account currently has a negative balance from the disputed charges being reversed with no valid reason. proof of errors was provided to capital one for charges at the time of dispute. | null | CAPITAL ONE FINANCIAL CORPORATION | IN | 46201 | null | Consent provided | Web | 2021-10-19 | Closed with explanation | Yes | null | 4,825,519 |
2016-12-28 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | This debt is not mine it 's my daughter, I spoke with XXXX @ XXXX and was told that this debit should be my daughters XXXX for her child XXXX but somehow it was on my report, The young lady by the name of XXXX states she would have this debt removed but it still on my credit report from IC Systems. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | TX | 78664 | null | Consent provided | Web | 2016-12-28 | Closed with explanation | Yes | No | 2,267,275 |
2023-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Dont have any idea of this not looking for a car In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11206 | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,613,665 |
2019-03-27 | Student loan | Private student loan | Dealing with your lender or servicer | Don't agree with the fees charged | I attended XXXX XXXX in XXXX, Ohio from XX/XX/XXXX to XX/XX/XXXX and the school has been shut down due to fraudulent behavior. First, I feel that my degree in, XXXX, XXXX XXXX XXXX is worth nothing to me since I didn't learn anything. Our professors/teachers gave us the answers to all of our exams. Everyone in our classes always passed. I am now stuck with huge student loans and am having troubles in the field, because of the lack education. I went to school for just that and did not receive. While I attended the school I was misled in the type education I was to receive and cost of schooling there. When I graduated in XX/XX/XXXX, I was informed of the total cost, this was not the same as I previously told by Reps of the School. I was misled with the information that was given to me at that time and any loans that were to be a private loan. I have {$10000.00} still in 2 Private loans currently. I am current and I have been paying these loans but I am having trouble with the payments every month. A few months ago, I was called about a late payment that was not late. They can not prove to me that it was late because, as I was told, they shred all envelopes of payments. When I enquired about them writing off the late fee, I was told there was no late fee. Upon further enquire I was told they take the late fee out of payments before applying the payment. Furthermore, XXXX XXXX was forced close its doors for good by the Federal Government and there are many people in a similar situation as I. Forced repaying loans by a school that misled consumers like me. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Also, this has destroyed my credit because there are other things that I have not been able to pay because I have been trying to get rid of this loan. They also keep harassing me with phone calls about my payment. In my opinion these private loans should be connected with my Borrower Defense claim because they are both coming from the same school. These loans should be forgiven because the school does no longer exist and the courts has awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending these private loans. | null | First Associates Loan Servicing LLC | OH | 43207 | null | Consent provided | Web | 2019-03-27 | Closed with explanation | Yes | null | 3,193,424 |
2023-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX XXXXXXXX ), has violated several of my rights.
15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 06810 | null | Consent provided | Web | 2023-05-23 | Closed with explanation | Yes | null | 7,018,284 |
2021-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In XX/XX/2021, I received my account balance from XXXX XXXX XXXX in the amount of ( {$910.00} ). Prior to receiving the invoice, I had moved from I moved Nevada to Georgia XXXX due to the impacted COVID-19 had on my immediate family. Because of the move I was unemployed until XXXX XXXX
Therefore, I wasn't able to pay the balance of the invoice until XXXX of XXXX I mailed the check to XXXX XXXX for the balance and did think much about it ( balance paid in full ). In XXXX I was personally dealing and experiencing COVID symptoms ; one member of my household tested positive for XXXX and XXXX which placed our focus on overcoming XXXX.
In XX/XX/2021, received an e-mail notification advising me that a collection agency had report onto my account for an unpaid balance of {$910.00}. I immediately contacted XXXX XXXX XXXX and spoke with XXXX the office manager on XX/XX/2021 to inquire about ( Amerassist ) reporting and explained that I had mailed the balance in XX/XX/2021 and aplogized for not confirming the check was cashed and explained how my family and I had been dealing with XXXX from XXXX to sometime in XXXX. The office manager stated the check was never received and advised that if I take care of the balance that day she will accept payment and have the collection agency remove the collection account from the credit bureau ( Outside sources ). I made the payment and XXXX e-mailed the receipt from XXXX XXXX XXXX and the next from days e-mailed me the request to have ( Amerassist ) remove the account collection/outsources.
With that said, I contacted on XXXX and XXXX ( XX/XX/2021 ) and opened a dispute and provided both Credit Bueres with the pay receipt from XXXX XXXX XXXX and uploaded on ( XX/XX/2021 ) the e-mail from the office manager to have ( Amerassist ) remove the account from my report ( outsources ) as XXXX XXXX agreed to accept the payment and not take any other actions.
On today 's day XX/XX/2021, XXXX sent a resolution email stated they had updated my credit report with balance paid but refusing to remove the collection account from my credit report, XXXX accepted the documentation and has removed the collection from my report. I contacted XXXX again and explained what was uploaded to my XXXX disputed that I paid the original account holder and have never owed the agency any money and the account holder agrees to not take actions against me personally since the account was paid in full.
Amerassist has received the e-mail from XXXX XXXX XXXX asking them to remove my account from collections and obviously refused to do so. | null | AmerAssist A/R Solutions, Inc. | GA | 30039 | Servicemember | Consent provided | Web | 2021-12-09 | Closed with explanation | No | null | 4,990,407 |
2023-03-07 | 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 report act these creditors violated my rights under 15usc 1681 section 602 states I have a right to privacy 15usc 1681 section 604a section 2 reports a consumer reporting agency can not furnish my acct without my written instructions 15usc 1666b a creditor may not treat a payment on a credit card acct under and open consumer credit plan late for any reason. | null | Avant Holding Company, Inc. | PA | 163XX | null | Consent provided | Web | 2023-03-07 | Closed with explanation | Yes | null | 6,660,795 |
2022-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | My credit report and score has not been updated since XXXX of XXXX This is UNACCEPTABLE! I have given you numerous attempts to fix the issue at hand and you simply can not. Why is this? | null | EQUIFAX, INC. | TX | 77034 | null | Consent provided | Web | 2022-06-08 | Closed with explanation | Yes | null | 5,646,655 |
2023-08-25 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively. | null | EQUIFAX, INC. | FL | 33020 | null | Consent provided | Web | 2023-08-25 | Closed with non-monetary relief | Yes | null | 7,455,338 |
2018-12-08 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | I received a overdraft fee from Pnc Bank, when I have a line of credit. The line of credit was not used nor was the funds in my other savings account.A {$36.00} fee was placed on my account for a mistake made by the bank? I would like the fee to removed and added back to my account. | null | PNC Bank N.A. | DE | 19709 | null | Consent provided | Web | 2018-12-08 | Closed with monetary relief | Yes | null | 3,095,172 |
2021-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I the consumer noticed information that I did not consent to, authorize nor benefit from on my consumer report with TRANSUNIONXXXX XXXX. No consent is identity theft. On XX/XX/XXXX, I called TRANSUNION/XXXX XXXX and spoke with XXXX XXXX and told the agent that the inquiries being reported on my consumer report is identity theft and I did not give consent to, authorize nor benefit from. I told him that I have mailed them a Identity theft report, an Identity theft affidavit, copies of the law and a letter with my written instructions to remove and block the inaccurate information from my consumer report. He then told me he was unable to remove the information because they stay on my file for 2 years. I told the agent that according to the FCRA 15 USC 1681b ( a ) ( 2 ) consumer credit agencies are to provide a consumer credit report by the written instructions of the consumer to whom it relates. I told the agent that I have a right to privacy and did not benefit nor consent to these credit inquiries. I also told the agent under the FCRA 15 USC 1681 ( a ) ( 4 ) that they have a grave responsibility to be fair, impartial and respect my right to privacy. I also told the agent identity theft under the FCRA 15 USC 1681c-2 that information being reported from identity theft must be removed and blocked from my consumer report. The agent then proceeded to explain that he could not delete the information and can do a dispute. I told the agent that this is my reputation, my character and credit standing that this is bearing on and the agent stated that he would have to open a dispute with for an investigation. I explained that they are the one who is committing identity theft and they are not the middle man but they are responsible and I the consumer have the right to privacy. He said there was nothing that he could do. I explained that I will be filing a CFPB report and he then tried to tell me what not to say in my report however I told him that TRANSUNIONXXXX XXXX is breaking the law and they are liable for all damages and he is contributing to the damage by not removing the inaccurate information being reported on my consumer report. I mailed out all documents certified with return receipt. TRANSUNION has received the documents and I have attached all documents including the signed return receipt showing they received the documents on XX/XX/2021. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29229 | null | Consent provided | Web | 2021-04-16 | Closed with explanation | Yes | null | 4,301,780 |
2022-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Transunion displays innacurrate employer information on report. I don't work for XXXX XXXX. I work for XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 285XX | null | Consent provided | Web | 2022-08-03 | Closed with non-monetary relief | Yes | null | 5,838,091 |
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX, XXXX XXXX ; {$0.00} | null | EQUIFAX, INC. | CA | 95350 | null | Consent provided | Web | 2022-09-05 | Closed with explanation | Yes | null | 5,949,533 |
2022-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and XXXX. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.
However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. | null | EQUIFAX, INC. | AL | 35803 | null | Consent provided | Web | 2022-01-06 | Closed with explanation | Yes | null | 5,080,094 |
2023-03-03 | 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 | Hello, I request them to remove all these items before I continue to take further action, i have already filed with the FTC and police reports.
XXXX Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries on my report I did not authorize or pursue. Please have them remove. | null | EQUIFAX, INC. | FL | 33313 | null | Consent provided | Web | 2023-03-03 | Closed with explanation | Yes | null | 6,645,059 |
2022-03-24 | 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 U XXXX DEPT OF ED/XXXX Account XXXX XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights XXXX
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. | null | EQUIFAX, INC. | SC | 29301 | null | Consent provided | Web | 2022-03-24 | Closed with explanation | Yes | null | 5,361,392 |
2017-09-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I saw three derogatory marks on my XXXX credit report, all from Mountain Land Collections, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called XXXX. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. XXXX then sent a letter stating there was nothing they could do. I 've also contacted the collections company, Mountain Land Collections, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that Mountain Land Collections told me they received the bill from, and they 're working to rectify the issue.
The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. XXXX was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Mountain Land Collections, Inc. | GA | 30067 | null | Consent provided | Web | 2017-09-22 | Closed with non-monetary relief | Yes | null | 2,681,514 |
2021-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response. | null | EQUIFAX, INC. | IL | 60438 | null | Consent provided | Web | 2021-05-04 | Closed with explanation | Yes | null | 4,349,799 |
2023-10-25 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | On XX/XX/23 and XX/XX/23 Yesterday XX/XX/23 I received notice from the collection agency that I owe 2 debt 1 from XX/XX/23 for XXXX from XXXX XXXX XXXX and on XX/XX/23 for also XXXX and also from XXXX XXXX XXXX no action as been taken by me at this time because I don't know what these debts are for or why I even owe these debt I also don't know who they are for either because I was never at the above company during the above dates so don't know why I have been sent to collections | Company believes it acted appropriately as authorized by contract or law | The Collection Agency LLC | NE | 68901 | null | Consent provided | Web | 2023-10-25 | Closed with explanation | Yes | null | 7,746,906 |
2022-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX and Equifax have both invalidated information due to identity theft that they have claimed to have verified on my report. For XXXX it is XXXX and for Equifax it is XXXX XXXX XXXX for a XXXX XXXX I did not attend to. I submitted countless FTC reports which they have failed to respond or provide verification proof please see the document enclosed. | null | EQUIFAX, INC. | PA | 187XX | null | Consent provided | Web | 2022-03-31 | Closed with explanation | Yes | null | 5,391,327 |
2019-12-12 | Credit card or prepaid card | Store credit card | Getting a credit card | Card opened as result of identity theft or fraud | Further to my complaint early in 2019 ( complaint number XXXX ), Synchrony Bank has reopened my Amazon card without my knowledge or consent this month. I received an email this morning asking me to link the card to my Amazon account.
When I logged into the site to make sure my account was closed, the account has now been reopened.
There is a XXXX balance on the card, so I am not owed any money by Synchrony. However, I wish to report fraudulent opening of an account which I had requested be closed and which they had closed in XX/XX/2019 after their having to respond to my complaint to the CFPB.
I'd like to report this as fraud. They had neither my knowledge or consent to reopen that account. I'd never have known it was reopened if they hadn't reached out to me to ask me if I wanted to link it to my Amazon account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | GA | XXXXX | null | Consent provided | Web | 2019-12-12 | Closed with explanation | Yes | null | 3,466,341 |
2018-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I disputed some bankruptcies listed on my credit report with XXXX XXXX as they were the agency that was used to verify the information. I received a letter from them stating that the information could not be verified and and would be removed from my public record. I have included the letter that was sent to me.
I then contacted all 3 credit reporting agencies, notifying them of the removal and they should follow suit. I receive a response from Experian on XX/XX/2018 that the bankruptcies that were listed were valid because they were verified within 30 days.
I contacted XXXX XXXX to confirm that the removal had taken place which in fact it had. I will be receiving a confirmation letter in 7 to 10 business days.
I then contacted a representative at experian to obtain clarification. She explained that the bankruptcies are listed as public record and that someone physically goes to the bankruptcy court to obtain this information. I then asked for that person but she failed to provide me a name. She then in turn stated that they call and obtain the information I then asked " what prompted you to contact the bankruptcy court to see if I had filed a case? '' she stated that it was public record. I then explained to her that my public record is created by some entity which they used to obtain this information. I would like to know what that is. What are your policies and procedures for obtaining public record information? She stated and continued to state that she did not have that information and no one in the office could provide me with that information.
I took the liberty of contacting the number that is listed on my credit report for the bankruptcy court. I spoke with a representative that stated that they do not provide this information to any credit reporting agencies it has to be requested with the person 's valid information or it can be accessed a system called " XXXX '' which anyone can create profile and gain access. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60629 | null | Consent provided | Web | 2018-06-08 | Closed with explanation | Yes | null | 2,930,411 |
2021-03-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. | null | CarMax, Inc. | IL | 622XX | null | Consent provided | Web | 2021-03-29 | Closed with explanation | Yes | null | 4,243,084 |
2020-05-22 | 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 | I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020 | null | EQUIFAX, INC. | IL | 60110 | null | Consent provided | Web | 2020-05-22 | Closed with explanation | Yes | null | 3,665,465 |
2019-12-09 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | In my last credit card statement, Citi claims that they told me that " in order for me to avoid paying interest, I need to pay the whole " New Balance '' amount ''.
However, I checked the statement I downloaded and nowhere does it say that text " to avoid paying interest .... pay the whole balance ''.
I only paid {$1000.00} for this last statement since I thought there was no interest that was going to be charged, even though the minimum payment on this card at the time was {$110.00} according to the statement balance.
Summary : Citi still ended up charging me interest for the entire balance despite the fact that their statement document did not include this anywhere on my statement. I would have made a payment for the whole balance if I knew they were going to scam and try to charge me interest. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 94025 | null | Consent provided | Web | 2019-12-09 | Closed with explanation | Yes | null | 3,463,133 |
2019-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I don't have a financial obligation to these companies and it is negatively affecting my credit score, please remove it immediately XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX XXXX ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX | null | EQUIFAX, INC. | CA | 92220 | null | Consent provided | Web | 2019-02-01 | Closed with explanation | Yes | null | 3,139,672 |
2017-09-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XXXX XXXX, XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX/XXXX/XXXX XXXX : Unauthorized Credit Inquiry To Whom It May Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.
If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. Otherwise, please note that I am reserving the right to take civil action if necessary. | null | Bread Financial Holdings, Inc. | FL | 33056 | null | Consent provided | Web | 2017-09-14 | Closed with non-monetary relief | Yes | null | 2,673,660 |
2023-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX High Balance : {$1200.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX Payments late : Late 30 days | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 18201 | null | Consent provided | Web | 2023-03-22 | Closed with non-monetary relief | Yes | null | 6,733,064 |
2019-12-04 | Debt collection | Federal student loan debt | Attempts to collect debt not owed | Debt was paid | I HAVE PAID XXXX XXXX THE AMOUNT THAT I OWED ENABLE TO REGISTER FOR CLASSES! WHEN I RECEIVED MY CREDIT REPORT IT SHOWED THAT THE DEBT COLLECTOR ( CONSERVE ) HAD AN AMOUNT THAT WAS PAID FROM XXXX WHICH I AM NOT AWARE OF THE DEBT COLLECTOR. THIS IS FALSE AND I NEVER PAID A DEBT COLLECTOR I ONLY PAID XXXX NOT CONSERVE! I AM NOT AWARE OF THIS DEBT COLLECTING COMPANY AS I SORTED OUT WITH XXXX AND PAID XXXX! | null | Continental Services Group, Inc. d/b/a ConServe | TX | 77449 | null | Consent provided | Web | 2019-12-04 | Closed with explanation | Yes | null | 3,458,049 |
2021-08-09 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/XX/2021 I filed a FTC complaint and the account was not removed. | Company believes it acted appropriately as authorized by contract or law | Sequium Asset Solutions, LLC | MO | 64030 | null | Consent provided | Web | 2021-08-09 | Closed with explanation | Yes | null | 4,615,638 |
2020-04-26 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I disputed a charge with XXXX of {$2200.00} on my Chase Visa Business Ink Plus card dated XX/XX/XXXX. On XX/XX/XXXX, I was notified the dispute was in resolved in the favor of XXXX but for some odd reason wasn't informed as to the procedure to appeal the decision which is usually written on the same letter. I've tried to call all day today but haven't been able to get through to a live person with the number they've provided me. I just sent a secure message and there's a notice saying " there might be a delay of a one or two weeks longer for a reply, '' The last time I got that response, it took one week to get a reply stating someone will get back to me shortly. I know I have only a limited period of time to file my appeal. If I miss that window, I will be precluded and lose my right to appeal. My dispute contained 34 pages including over a dozen pages of emails and photographs which I don't think were received and/or reviewed. Last time I submitted documentation for a dispute with Chase Visa, they sent me the response from the merchant for my review to my documentation and my dispute was overturned on appeal. This time, I never received anything except a letter. Finally, when I file a notice of appeal, the charge is supposed to be temporarily credited from my account until it's resolved if I'm correct. Can you please assist me in resolving this. Chase is usually fair about matters like these. | null | JPMORGAN CHASE & CO. | NJ | 088XX | null | Consent provided | Web | 2020-04-26 | Closed with explanation | Yes | null | 3,624,414 |
2018-05-31 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I previously held an internet account with XXXX. My services were held at location # 1. I attempted to have my services moved from location # 1 to location # 1 and was toyed with for about 3 months with XXXX telling me I needed to wait to have services installed. On the 5th month of waiting a representative told me when I called, " We won't be able to install your service ever and we are canceling your account ''. I never heard another word from XXXX. At this point in time I am living at location # 2 and have not been at location # 1 for 5-6 months and had XXXX installed at location # 2. My XXXX equipment was stolen during the move from location # 1 to # 2. XXXX sent a bill for that equipment to location # 1 ( where I had not lived in over 6 months ) when they clearly had an address change on record for location # 2. As I did not know I owed the bill I did not pay it. I have recently had a collections account from Diversified Consultant Inc show up in the amount of {$160.00}. Both companies are refusing to allow me to pay this without it reflecting negatively on my credit, despite the fact that XXXX wrongfully reported the debt to a collections company without giving me a chance to pay the bill and having sent the bill to an address that is not mine. I have repeatedly tried to get XXXX to fix this and can not speak with management from DCI because they yell and are rude and will not let me speak whilst on the phone with them. I feel as if this is unfair practice by XXXXwhich is tainting my credit because they sent the bill to an incorrect address. Multiple times on a recorded line an XXXX representative has told me they can speak with DCI to have a pay for deletion and never followed through with that statment. | null | Diversified Consultants, Inc. | FL | 32207 | null | Consent provided | Web | 2018-05-31 | Closed with non-monetary relief | Yes | null | 2,923,316 |
2020-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products.
this could be it XXXX : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the XXXX XXXX XXXX XXXX page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for.
XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... XXXX XXXX XXXX, U.S. District Court, XXXX XXXX XXXX California, No. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MS | 388XX | null | Consent provided | Web | 2020-02-19 | Closed with explanation | Yes | null | 3,537,048 |
2017-10-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} 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 | 43110 | null | Consent provided | Web | 2017-10-12 | Closed with non-monetary relief | Yes | null | 2,700,128 |
2021-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian had a chapter XXXX showing on my credit report that is not mine I sent in documents to verify that it is not mine and that chapter XXXX doesnt report to any credit bureaus. Experian claim that my information was verified but it came from a thrift part I sent in the letter from the courts clearly stating what I am disputing but it remains on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 31061 | null | Consent provided | Web | 2021-09-09 | Closed with explanation | Yes | null | 4,701,430 |
2018-09-20 | 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 called into the agency to dispute fraudulent inquires on my report. My purse was lost with my information inside and I made a police report and sent it into Equifax along with the other 2 credit agencies. I got a notification from XXXX that my information as listed on the black market this morning XX/XX/XXXX.
I called equifax and they said they can not dispute the inquires even after me providing my police report. This is against the law.
I contacted each company, who conducted the inquiry and asked them to remove their credit inquiries from my credit profile. They have no information for me and have no records of these inquiries.
I have attached my police report as well. Please remove the unauthorized inquires XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Dba XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Credit Unions XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | 305XX | null | Consent provided | Web | 2018-09-20 | Closed with non-monetary relief | Yes | null | 3,024,477 |
2020-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hello, there are accounts with XXXX XXXX that are not mine, these accounts are fraudulent and are not in my name. I have contacted XXXX and they confirmed that these accounts are fraudulent and I am not liable for these accounts.
This is a formal dispute on these accounts since they are the result of fraud. Please cease and desist all reporting of these accounts as they are fraudulent.
I have never had a credit card with chase and therefore any account with chase has to be removed. | null | EQUIFAX, INC. | CA | 91739 | null | Consent provided | Web | 2020-01-11 | Closed with non-monetary relief | Yes | null | 3,492,956 |
2021-08-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Iver been a victim of identity theft | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 381XX | null | Consent provided | Web | 2021-08-27 | Closed with explanation | Yes | null | 4,668,090 |
2023-04-13 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have a written notification from Radius Global Solutions LLC, about debt I do not owe. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Radius Global Solutions LLC | OH | 43232 | null | Consent provided | Web | 2023-04-13 | Closed with explanation | Yes | null | 6,836,124 |
2022-12-18 | 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 | Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 342XX | null | Consent provided | Web | 2022-12-18 | Closed with monetary relief | Yes | null | 6,334,813 |
2022-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize. | null | EQUIFAX, INC. | PA | 17110 | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,542,627 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter last XX/XX/XXXX, to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX/XXXX, XXXX XXXXXX/XX/XXXXXXXX Balance : -, XX/XX/XXXXBalance : {$590.00},XX/XX/XXXXBalance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$100.00}, XX/XX/XXXXXXXX Balance : {$570.00}, XXXX XXXX Balance : {$12000.00}, XXXX XXXX XXXX XXXX Balance : {$2400.00}, XXXXXX/XX/XXXXXXXX Balance : {$1400.00}, XX/XX/XXXX XX/XX/XXXXXXXX Balance : -, XXXXXX/XX/XXXX ( Original Creditor XX/XX/XXXXXXXXXX/XX/XXXX ) XXXX Balance : {$700.00}, XX/XX/XXXX( Original Creditor :XX/XX/XXXX) XXXX Balance : {$270.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$730.00}, XXXXXX/XX/XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2500.00},XX/XX/XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00}, XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00}, XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXXXXXX XXXX ) XXXX Balance : {$620.00}, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX,XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29418 | null | Consent provided | Web | 2023-04-14 | Closed with non-monetary relief | Yes | null | 6,834,220 |
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 | I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. | null | EQUIFAX, INC. | PA | XXXXX | null | Consent provided | Web | 2023-07-12 | Closed with explanation | Yes | null | 7,241,450 |
2021-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2021 More than 30 days ago, I sent the attached letter disputing several items in my credit report. Because they did not advise me of the results of my investigation within 30 days, the Fair Credit Reporting Act requires that they delete these items from my credit report. | null | EQUIFAX, INC. | TX | 78660 | Servicemember | Consent provided | Web | 2021-08-02 | Closed with explanation | Yes | null | 4,593,247 |
2023-06-24 | 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.
The letters are stated with items and issues.
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. | NM | 88310 | null | Consent provided | Web | 2023-06-24 | Closed with non-monetary relief | Yes | null | 7,157,577 |
2019-10-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I currently have a 30 day delinquency reporting on XXXX for XX/XX/2018 and on XXXX for XX/XX/2018. I have never been late on payments on this account. I attempted to rectify this with the bank numerous times but they fail to provide billing statements reflecting late payments. I also typically reach out to the bank to confirm payments to ensure no payments are due and each and every time I advised all payments are up to date. Specifically I called during the XXXX, XXXX and XXXX of 2018 due dates and I was told by the representative no payments were due as all payments were met. The 30 day delinquency reporting on my credit profile is incorrect as I have never missed multiple payments for consecutive months on any of my credit cards. Also the reporting against all 3 bureaus are incorrect as two bureaus state I was 30 delinquent in XX/XX/2018 and one states I was delinquent XX/XX/2018.
This bank has tarnished my credit tremendously with the reporting of this incorrect 30 day delinquency. I am looking to receive help with this or look to take legal action as this reporting is a form of unfair treatment due to the incorrect reporting. | null | Bread Financial Holdings, Inc. | NV | 89148 | null | Consent provided | Web | 2019-10-16 | Closed with non-monetary relief | Yes | null | 3,406,863 |
2017-08-22 | Checking or savings account | Checking account | Managing an account | Banking errors | DO NOT CLOSE THIS COMPLAINT XXXX IT IS NOT COMPLETED AT ALL NOTHING HAS BEEN RESOLVED THE LETTER THAT WAS WRITTEN ON XX/XX/XXXX IS NOT ACCURATE AT ALL THEY ARE LIARS AND I AM TIRED OF IT I AM SO ANGRY AT THIS NONSENSE WELLS FARGO DID NOT FOLLOW THEIR PROTOCOL AND PROCEDURES IN ADDRESSING A CLAIM AND THEY ARE TURNING THE FACTS AROUND AND BLAMING IT ON ME AND TRYING TO JUSTIFY WHAT THEY DID TO ME NO THIS HAS TO BE RESOLVED HONESTLY WITH OPEN COMMUNICATION I STILL TO THIS DAY HAVE NEVER RECEIVED A LETTER STATING MY CLAIM WAS DENIED AND HAVE NEVER RECEIVED THE RESPONSE FROM THE DENTIST MY ACCOUNT WAS DEBITED THE MONEY PLACING IT OVER DRAWN LEAVING ME IN POVERTY NOW THEY CREDIT THE MONEY BACK TEMPORARILY WHAT IS THAT SUPPOSE TO MEAN -SO YOU ARE GOING TO TAKE IT AGAIN WITH OUT NOTIFYING ME?
I NEED THE LETTER STATING THE OUTCOME OF MY CLAIM AND YOUR POLICY ON HANDLING CLAIMS NOT THE VISA POLICY THAT IS NOT WHAT YOU FOLLOW, REGARDLESS I AM SUPPOSE TO GET COMMUNICATION ON THIS AND NEVER DID.
THIS DOES NOT SOLVE IT IT IS STILL OPEN DO NOT CLOSE MY COMPLAINT PLEASES | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MD | XXXXX | null | Consent provided | Web | 2017-08-23 | Closed with explanation | No | null | 2,646,178 |
2022-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.
15 USC 1681 section 603 ( 3 ) ( E ) States ; 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.
They also violated my rights numerous times.
The credit bureaus violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 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 According to : 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. | AL | 366XX | null | Consent provided | Web | 2022-06-21 | Closed with explanation | Yes | null | 5,689,305 |
2022-04-14 | 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 | NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my Transunion consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19133 | null | Consent provided | Web | 2022-04-14 | Closed with explanation | Yes | null | 5,450,542 |
2020-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | I went to receive an insurance quote from XXXX on XX/XX/2020 and there were items listed on one of my consumer reports/C.L.U.E/Lexis Nexis reports that are not associated with me or my name or my driving record. I already ordered a hard copy of my CLUE report and contacted the DMV/MVR and confirmed that these reports are not associated with my name or with my driving record. I have a very common name and I am sick and tired of predatory companies forcing incidents/reports onto my record when in all actuality they are not associated with me at all. I received an email from my insurance company today, XX/XX/2020 stating that they removed the incidents from my record but Lexis Nexis added them back again. My insurance company and Lexis Nexis can clearly see that this is a totally different person. The only explanation that was given to me, is that me and this other person have the same first name ; XXXX. That is an unacceptable explanation. I was also provided with the name of XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I am not affiliated with any of these people or companies. This lack of proper reporting has impacted me financially and should be illegal. I have been a resident of Wisconsin my entire life. XXXX XXXX XXXX does not even provide services to Wisconsin residents. I have not been able to verify XXXX XXXX XXXX XXXX or find them online. I have personally contacted all parties involved asking for an explanation and dispute the report. XXXX is affiliated with the XXXX XXXX XXXX How can this unfair and unsubstantiated reporting practices happen to people? What is the explanation? This is financially and mentally impacting my livelihood. I am disgusted with Lexis Nexis and there inability to correctly report information. This is fraud and should be illegal. I will be taking additional action based off of my rights as a consumer through the Fair Credit Reporting Act. This type of practice is illegal and only serves the interest of multi-million dollar companies fraudulently reporting to increase their profits at the cost of the consumer. Sad to say ... ..but this is the American Way! | null | LEXISNEXIS | WI | 53511 | null | Consent provided | Web | 2020-06-29 | Closed with explanation | Yes | null | 3,721,614 |
2022-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions. | null | EQUIFAX, INC. | NC | 28379 | null | Consent provided | Web | 2022-01-24 | Closed with explanation | Yes | null | 5,142,908 |
2019-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Equifax, XXXX and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with Dominion XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by equifax in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2019-06-04 | Closed with explanation | Yes | null | 3,264,343 |
2019-10-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have pulled a copy of my XXXX credit report only to find multiple inquiries that I did not authorize. I have disputed the inquires only for XXXX to respond with a verified letter and to contact the creditor. I do not know how XXXX verified anything when I could not get any information regarding the unauthorized inquiry. I asked for a signed application bearing my signature and no one can produce one nor can they see where I applied. The name of the inquiry in question is BARCLAY. I shows two different dates of XX/XX/19. I should not have to keep going back and forth with XXXX regarding unauthorized inquires. This is affecting my score and bring my score down. I have started shopping for a home and these inquiries are damaging. Remove them immediately! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NV | 89149 | null | Consent provided | Web | 2019-10-15 | Closed with explanation | Yes | null | 3,406,602 |
2023-08-29 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX & XXXX XXXX | null | EQUIFAX, INC. | GA | 30228 | null | Consent provided | Web | 2023-08-29 | Closed with non-monetary relief | Yes | null | 7,470,964 |
2020-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX XXXX, XXXX XXXX, 2020, XXXX XXXX XXXX XXXX XXXX XXXX, 2020, * XXXX XXXX XX/XX/XXXX, 2020, and XX/XX/XXXX,2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33027 | null | Consent provided | Web | 2020-06-09 | Closed with non-monetary relief | Yes | null | 3,690,869 |
2023-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this items and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this items XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXBankruptcy XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91739 | null | Consent provided | Web | 2023-03-21 | Closed with non-monetary relief | Yes | null | 6,724,156 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33614 | null | Consent provided | Web | 2023-02-09 | Closed with non-monetary relief | Yes | null | 6,544,819 |
2021-09-10 | Debt collection | Auto debt | Written notification about debt | Didn't receive enough information to verify debt | I entered into a consumer credit transaction with XXXX XXXX XXXX on XX/XX/2019 who then assigned the contract to J.P. Morgan ( Chase Auto ). A consumer credit transaction in which a finance charge was involved. J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1605 ( a ). A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. J.P. Morgan ( Chase Auto ) took cash payments several times knowingly.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge, and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. J.P. Morgan ( Chase Auto ) did not include my insurance in my finance charge, my insurance was purchased seperately.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1640. J.P. Morgan ( Chase Auto ) willfully and knowingly failed to provide/disclose information required under the provisions 15 USC 1635. Pursuant to 15 USC 1640 ( 2 ) ( a ) ( i ) J.P. Morgan Chase is liable in an equal amount to the sum of double the finance charge.
J.P. Morgan ( Chase Auto ) is in violation of 15 usc 1611. J.P. Morgan ( Chase Auto ) willfully and knowingly failed to provide/disclose information required under the provisions of 15 usc 1601. They are now civilly and criminally liable.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692d ( 5 ). ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. J.P. Morgan ( Chase Auto ) has called me several times annoying and harassing me.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692c ( 1 ). ( 1 ) At any unusual time or place known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time is for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local at the consumers location. J.P. Morgan ( Chase Auto ) has contacted me at times inconvenient to me.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692d ( 2 ). 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 : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. J.P. Morgan ( Chase Auto ) in fact has harassed and abused me in connection with collection of the alleged debt by using obscene language.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692e ( 2 ) ( A ). A debt collector may not use any false, deceptive, or misleading representation or means in connection
with the collection of any debt. The false representation of ( A ) the character, amount, or legal status of any debt. J.P. Morgan ( Chase Auto ) in fact has provided me with a false, deceptive and misleading representation on the amount of the alleged debt owed.
J.P. Morgan ( Chase Auto ) is in violation of 15 USC 1692e ( 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. J.P. Morgan Chase in fact has provided me with false and deceptive statements in connection with the collection of the alleged debt. | null | JPMORGAN CHASE & CO. | MD | 20706 | null | Consent provided | Web | 2021-09-10 | Closed with explanation | Yes | null | 4,706,122 |
2023-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently received a copy of my credit report and realized that my identity has been stolen. This unpleasant incident has had negative effect on me because I'm currently in the process of buying a new home for my family. I am very upset that this has happened to me and I am urgently asking for your assistance in removing these fraudulent accounts from my credit report. I have included all the required documents for your review. Thank you. Please see attached along with certified letters send to each credit bureau | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33012 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,688,698 |
2018-07-02 | 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 | US Bank VISA Credit Card In early XXXX I disputed 2 charges on my credit card for poor workmanship and service no provided as agreed. I was give credit for the two amounts. one for {$300.00} and one for {$2000.00}. I was asked to respond in writing about the dispute which I did XX/XX/2018. Each amount had a separate case number but I told them the response was the same for both case numbers and stated the case numbers in my response.
I received a letter telling me that had had not received anything from me and when I called they confirmed that they had and I did not need to do anything else. The merchant had 60 days to reply.
In XX/XX/XXXX I got a notice as I do every month about my payment being due and I noticed they added the {$2000.00} credit back to my account. When I called to ask them why they said I would need to speak to the person managing my case and they would call me within 24 to 48 hours. Then I received a letter dated XXXX-XXXX-18 telling me they sent a letter XXXX-XXXX-18 requesting more information on the {$2000.00} charge and since I did not provide it to them they were adding it back to my account. This request was never sent to me.
The next day I received a letter dated the same XXXX-XXXX-18 telling me they have found in my favor for the {$300.00}. I called to try and speak to someone and was told they would call me in 24 to 48 hours.
Since my only communication regarding the dispute was sent XX/XX/2018 and I had not sent anything else to them, it is unimaginable that they could find in favor for one of the claims, ( Lowest ) and not the other. Both claims were addressed in the one response and they should have either rejected both or accepted both not split it.
I have since called no less than 7 times each time never able to speak to a supervisor or anybody and told they would call me back in 24 to 48 hours. They even said they called and I told them I take my cell phone with me and I never got a call. They even said they left a message so on top of never getting a call I never got a message. I take my cell phone every place along with all documentation to discuss if they ever call and they never have.
Now we are beyond time frames and they have been extremely negligent in dealing with this matter. I have written to the CEO called many many times and no return calls. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | FL | 34113 | Older American | Consent provided | Web | 2018-07-02 | Closed with monetary relief | Yes | null | 2,951,379 |