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2023-04-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. XXXX, has. violated my rights.
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX has. violated my rights.
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights.
In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX, has. violated my rights.
In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights.
In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights.
In accordance with the Fair Credit Reporting act. XXXX XXXX has. violated my rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 708XX | null | Consent provided | Web | 2023-04-05 | Closed with explanation | Yes | null | 6,798,601 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have patiently waiting on their response to the written requests I sent. However, how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here are the list of items which are UKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 32244 | null | Consent provided | Web | 2023-06-08 | Closed with explanation | Yes | null | 7,090,720 |
2021-11-20 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | On or about XX/XX/XXXX - XXXX, 2021, I called XXXX XXXX XXXX. I asked for a mailing address so I could mail an extra payment. There should be a record of this call as they told me it was being recorded. I was given the following address : Midland Credit Management, XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
I gave my friend {$500.00} cash so she could get me a bank teller check from her financial institution, XXXX XXXX XXXX XXXX. I mailed the check, by certified mail on XX/XX/2021. I included a letter with directions to deposit the check into my account. My name, my legal account number, and my selected account collections number were included in the letter. Additionally, my name and account number were in the remarks area of the bank teller check ( check number XXXX ).
A few days later I tracked the certified mail on the XXXX XXXXXXXX XXXX website using the certified mail receipt numbers. It showed as delivered and received on XX/XX/XXXX at XXXX.
Again, a few days later I checked my account online, and the {$500.00} payment was still not added to the account. I did an online chat with a representative and was told I had to call customer service to find out why the money was not added to my account.
On XX/XX/2021, I called customer service to inquire about the whereabouts of my payment for {$500.00}. Again, there should be a record of this call. They informed me that the check had not been received and asked me to send proof of the check by email to XXXX. After the phone call, I sent an email with an attachment of the certified mail receipt, the bank teller check stub, and a copy of the letter that accompanied the check that same day.
I asked my friend to confirm the status of the check with XXXX XXXX XXXX XXXX. They verified that the check had cleared on XX/XX/2021. I have attached a copy of the cleared check.
On XX/XX/2021, I inquired, in person, at the XXXX XXXX XXXXXXXX XXXX regarding the status of the envelope, with the {$500.00} teller check, sent by certified mail. The local XXXX confirmed that the envelope was delivered and picked up by XXXX XXXX and signed by XXXX on XX/XX/2021.
On XX/XX/2021, I did an online chat with XXXX XXXX. She informed me that she could not access the account because it was under review and directed me to call an account XXXX at customer service.
I am getting passed around with no definite answers. Meanwhile, my check has not been added to my account and the accurate balance is not being reported to the credit bureaus. | null | ENCORE CAPITAL GROUP INC. | FL | 32935 | null | Consent provided | Web | 2021-11-20 | Closed with non-monetary relief | Yes | null | 4,933,033 |
2022-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
XXXX XXXX XXXX Balance {$1900.00} XXXX XXXX XXXX Balance {$990.00} XXXX XXXX XXXX Balance - XXXX XXXX Balance {$0.00} Bankruptcy : Discharged XXXX Reference Number XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | XXXXX | null | Consent provided | Web | 2022-03-01 | Closed with non-monetary relief | Yes | null | 5,272,093 |
2021-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have taken several looks at my credit report and noticed that these companies aren't reporting consistently. there are negative and unauthorized that were removed from one credit bureau but not on all three. According to FCRA these companies are legally supposed to report accurately and consistently. There are also hindering and unauthorized accounts that are still reporting when it shouldn't be. I need these accounts removed please! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07087 | null | Consent provided | Web | 2021-01-18 | Closed with explanation | Yes | null | 4,076,639 |
2019-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, | null | EQUIFAX, INC. | CA | 91325 | null | Consent provided | Web | 2019-05-29 | Closed with explanation | Yes | null | 3,255,648 |
2021-02-05 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | On XX/XX/XXXX Synergetic Communication, Inc. sent me a letter attempting to collect on a debt they claim originated from XXXX XXXX XXXX in the amount of {$1400.00}. On XX/XX/XXXX I sent a letter by certified mail disputing this claim, and requesting that Synergetic Communication cease any further communication regarding this issue, as outlined by the Fair Debt Collection Practices Act ( FDCPA ), and I considered the matter closed.
On XX/XX/XXXX Synergetic Communication, Inc. sent me another letter attempting to collect on the debt they claim originated from XXXX XXXX XXXX in the amount of {$1400.00}. The only difference between the two letters is that they changed their internal account number for the claim, even though it is clearly referencing the same disputed debt claim.
This is an obvious attempt to circumvent my request to cease any further communication, and a violation of the Fair Debt Collection Practices Act. | null | Synergetic Communication Inc | WA | 98444 | null | Consent provided | Web | 2021-02-05 | Closed with explanation | Yes | null | 4,119,347 |
2021-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX XXXX I called two times to request removals errors to my credit report. They reported that my pay status was included in bankruptcy, in XXXX and XX/XX/XXXX reported to equifax, XXXX and XXXX that I was derogatory as payment status. This is & was incorrect and I have proof that Ive never missed a payment or been late in my payment history in the loan account. I requested that they placed the bankruptcy statement in the incorrect location which has most likely created the derogatory reporting, I also have repeatedly sent emails, and a copy of my credit reports to them showing what they reported. They did change one thing but not to every agency XXXX, equifax and XXXX. All representatives have stated Ive never been late or missed a payment even the bankruptcy dept confirmed this as fact based on my payment history! In XXXX and XXXX I called numerous times to talk about the errors not fixed but to no avail. I received a few letters stating that they reported correctly which proves they have not investigated my payment statements as never being late. They clearly r judging and defaming me based on the bankruptcy which I was not informed I needed to reaffirm my mortgage loan as a result of my lawyer passing away prior to bankruptcy closing and his communication with peers. I did not file bankruptcy on creditors I currently had, rather my intent was to remove the judgment liens on my property. For some reason I was told I had to file bankruptcy. So again the mortgage lender refuses to read the list of errors they reported that I sent to them in XX/XX/XXXX for the year XXXX and continue to not investigate my complaint correctly. At the end of XX/XX/XXXX, I again requested that they review and remove the derogatory statements. I also mentioned I have never been late or missed a payment and the bankruptcy was in error as I did not know or understood the reaffirming actions I was supposed to do. I get that they r required to report that I filed Bankruptcy and the debt and payments was no longer reported however to report that I was derogatory in any way is false, defaming my name and reputation with an excellent payment history, therefore they must report that I PAID AS AGREED, NEVER LATE, NEVER DEROGATORY or delinquent at any time! They must remove the derogatory statements for ALL months and report that I paid as agreed. The statement they reported for, Included in bankruptcy should be included in comments section as well as statements saying that I did not reaffirm even though I still made and continue to make all payments on the mortgage loan bc my intent was not to lose my home or stop paying to them, rather my sole intent was to remove the judgment liens on my home and I was lied to and was represented by a lawyer who was very ill and no one informed me of this resulting in their failure to understand what I was requesting and needing and the actions that occurred which is bankruptcy was not able to remove once closed and after I learned of these errors and lawyers XXXX.
I want the derogatory comments removed from all credit agencies at once along with Payment Status to say the truth, that I Paid As Agreed. This lenders research department has falsely accused &, judged me by refusing to investigate the facts of my case as a result of the bankruptcy which again is delinquent on them as well as defaming my name, reputation, causing me XXXX XXXX especially now since Im selling the house hopefully closing sometime this month XX/XX/XXXX. With this companys defaming comments and reporting practices I can not receive a correct interest rate on a new home due to incorrect reporting and my credit score is to low. The credit agencies should have also made the changes correctly to my account because I told them this was an error and I disputed it but again the mortgage lender repeatedly keeps saying they r required to report the bankruptcy even though I tell them they r reporting it incorrectly as a result of where they placed their statements and for some reason they continue to refuse to remove the derogatory comments for XXXX and XX/XX/XXXX. Equifax states derogatory payment status. On XXXX report, They have XX/XX/XXXX in red which represents non payments or Negative which is false and should be removed as I have never been negative for any payments what so ever! Also, states I was derogatory for XX/XX/XXXX which is also false!
I understand that they required to report that this loan was included in bankruptcy, the the fact is, it was not. Stating this shows I was derogatory or delinquent in some way therefore someone is not reporting correctly the facts about my case because yes I did file bankruptcy but like all the other creditors that were forced to close did not report or state : included in bankruptcy, because I owed them nothing and I paid as agreed. Yes I still owe mortgage lender however I make my payments on time therefore they must change the reporting errors all of the errors and if the statement, included in bankruptcy must be removed in order to bring the true facts about my payment history than they must do so and stop trying to defame my name and character. They should only include anything bankruptcy in the comments if they must say anything about it and must state I paid as agreed that Im in good standing with them and always on time. They must remove all that is incorrect. Based on bankruptcy statements all these errors to my credit reports is causing confusion for all therefore it must be removed and added in a place where it does not affect my payment history or my willingness to pay. It must be removed at once!!! | null | EQUIFAX, INC. | CA | 95354 | Servicemember | Consent provided | Web | 2021-04-07 | Closed with explanation | Yes | null | 4,278,559 |
2021-07-31 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information. | null | National Credit Systems,Inc. | NM | XXXXX | null | Consent provided | Web | 2021-07-31 | Closed with explanation | Yes | null | 4,591,594 |
2017-06-12 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Problem with customer service | On XXXX XXXX , XXXX , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in XXXX and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at XXXX , I believe it was in late XXXX , XXXX . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted Citibank again in late XXXX and again, they acknowledged that I made the payment. The young lady with Citibank stated she would assign a case number and get back to me. Shje / Citibank never got back to me. I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail. I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the XXXX transaction date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AR XXXX PH : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | AR | 726XX | Older American | Consent provided | Web | 2017-06-12 | Closed with explanation | Yes | null | 2,507,103 |
2023-09-04 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | With Bank of America, I have had multiple incidents of overdraft fees being charged to my account, putting my account into overdraft. I have had checks and/or money transfers that seem to disappear due to other random charges. It happens often. Ive had fraud charges on my account that lead me to getting new debit cards. Ive called and addressed charges such as XXXX XXXX being charged to my account ( something I do not have or use ), I would call and be told it has been addressed, only for it to happen again. There have been many instances where I have low funds in my account while waiting for a paycheck and an overdraft fee will cause my account to overdraft. | null | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33936 | null | Consent provided | Web | 2023-09-04 | In progress | Yes | null | 7,498,803 |
2020-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have written to XXXX several times as well as to Transunion and XXXX pointing out that their reporting of this debt on my credit report is reporting inaccurately. The account is marked as closed with a {$0.00} balance yet it is 30 days late in the payment status line. This is an impossibility and I believe it is a result of a keypunch error. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 62040 | null | Consent provided | Web | 2020-07-20 | Closed with explanation | Yes | null | 3,754,304 |
2022-12-27 | 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 | company below ran a hard inquiry without my consent.
No idea what CIS XXXX is Please remove from record and I would like to report and Sue CIS XXXX.
CIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX | null | Cascade CISS Holdings, LLC | WA | 98034 | null | Consent provided | Web | 2023-01-25 | Closed with explanation | Yes | null | 6,365,951 |
2021-03-01 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I spoke with Mrs. XXXX and her Manager with this company. It's been since XX/XX/XXXX that we been trying to get this debt resolve and the company and XXXX XXXX is refusing to do so.
My husband and I leased an apartment from XX/XX/XXXX to XX/XX/XXXX. We decide to not renew our lease for Health reasons as the apartment complex was not being keep sanitize during Covid19 main peak. We were only owing the apartment {$430.00} for XXXX rent and nothing else. The apartment manager decide to retaliate against us for not renewing our lease and charge us unknown charges to us. Our contract never had a garage and we're getting fees for a garage. Utilities that were paid off and we never received any utilities with the correct amount and XXXX XXXX refusing to give us a copy of the utilities being used for the apartment. We have tried over and over many times and do not want to fix this. I have emails from the Regional manager were she states we only owe the {$430.00} and National Credit Systems is refusing to acknowledge this correct balance. We need assistance in claim Fraud against these two companies and trying to gain money from us when the amount is incorrect owe. | null | National Credit Systems,Inc. | PA | 150XX | null | Consent provided | Web | 2021-03-01 | Closed with explanation | Yes | null | 4,174,051 |
2022-01-16 | 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 am making this complaint of my own accord and do not consent to verification in response to Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions.
Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ).
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information 5 ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent. | null | EQUIFAX, INC. | CA | 925XX | null | Consent provided | Web | 2022-01-16 | Closed with explanation | Yes | null | 5,113,403 |
2022-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.
15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. | null | EQUIFAX, INC. | CA | XXXXX | null | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,349,217 |
2022-04-18 | Checking or savings account | Other banking product or service | Managing an account | Banking errors | From XXXX J.P-Morgan : Your account-access has been limited due to fraudulent activities. Please visit XXXX XXXX XXXX to unlock your account. | null | JPMORGAN CHASE & CO. | TX | 77077 | null | Consent provided | Web | 2022-05-11 | Closed with explanation | Yes | null | 5,461,774 |
2022-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please be apprised that you are in direct violation of the Fair Credit Reporting Act. In my opinion you have violated my rights : I understand you must complete a proper investigation within 30 days of receipt of my letter 15 USC 1681i ( a ). On XX/XX/2021, I received a copy of my credit report and found errors on it so I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, XXXX request to Equifax to verify/validate an unverifiable item reporting on my credit profile. The item reporting on my credit profile is an account from XXXX XXXX, which I have no idea what this even means. You claim the account in question was verified but did not show proof as requested. I do not know what resources your company used to verify the account. The burden of Proof is on you. In this complaint accompanies my Letter asking for Removal of Inaccurate Credit Information. This will be my second attempt reaching out to your company ( Equifax Information Services LLC ) I have already filed a complaint with the CFPB portal against Equifax on XX/XX/2021 asking for your company to please provide proof of verification, solely because of THE BURDEEN OF PROOF is on you, not me the consumer. On XX/XX/2021 your company responded stating : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. We hope this resolves your concerns. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. Which I find to be a joke! How did this useless response verify the account in question? This is a generated response and your company once again ignoring my request!
On XX/XX/XXXX I received a letter from your company stating : We are currently processing your previously submitted dispute for this accounts ( s ) : we will not be conducting further investigation into this particular accounts at this and so on. I feel your are taking my consumer rights away from me, saying that. All I asked for was proof of verification, something that I am entitled too, you have continued to ignore my requests for over a year. In the letter that you sent the unverifiable account in question I see was modified. I did not ask for a modification I asked for a deletion. Deletion, because your company has refused me over a year showing proof on how this account was verified. Equifax was given more than enough time to provide proof and you failed me for entirely too long. In this complaint accompanies a copy of your letter from your company stating you are no longer going to investigate further, which really saddens me. Again please REMOVE this unverifiable account from my CREDIT PROFILE. This is public record and I will continue to keep questioning this unverifiable account via CFPB. I will also continue to exercise my consumer 's rights against your company via CFPB.
In this complaint accompanies the letter from your company telling me that you are no longer interested into investigating further into this account & the useless template response that serves no propose. | null | EQUIFAX, INC. | PA | 19136 | null | Consent provided | Web | 2022-01-04 | Closed with explanation | Yes | null | 5,069,239 |
2018-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I called XXXX XXXX XXXX and they did not have the amount that is reported on my credit report for {$100.00}. I wanted to make a settlement and have it remove off of my credit report but they could not help me. The name they have is my maiden name which is XXXX XXXX. | null | EQUIFAX, INC. | FL | 32218 | Servicemember | Consent provided | Web | 2018-07-10 | Closed with explanation | Yes | null | 2,958,866 |
2018-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I requested a copy of my credit report on XXXX-18 and discovered unknown credit and decided to file a dispute with the credit bureau but it gave me the following message ; " we are unable to process your dispute ''. I have several credit accounts on my credit report that I did not authorize and need to dispute them as I have been receiving collection calls regarding these debts that I personally did not authorize and voluntarily incur this debt. I strongly believe I have been a victim of credit fraud. Consequently I have been denied housing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95610 | Servicemember | Consent provided | Web | 2018-12-09 | Closed with explanation | Yes | null | 3,095,214 |
2023-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Subject : Request for Immediate Removal of Fraudulent Accounts and Unauthorized Hard Inquiries I am writing to inform you that I have recently become a victim of identity theft, resulting in several fraudulent accounts appearing on my credit report. As a responsible consumer, I am taking immediate action to rectify this situation and request your assistance in removing these fraudulent accounts from my credit report as soon as possible.
The following is a list of fraudulent accounts that have been reported to my credit report without my authorization : 1. Account name : XXXX XXXX XXXX Account number : XXXX 2. Account name : XXXX Account number : XXXX 3. Account name : XXXX XXXX Account number : XXXX 4. Account name : XXXX XXXX Account number : XXXX 5. Account name : XXXX XXXX Account number : XXXX 6. Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX 7. Account name : XXXX XXXX XXXX XXXX Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit bureau to ensure that the information furnished on my credit report is accurate, complete, and verified. These fraudulent accounts clearly violate my rights as a consumer and are causing significant harm to my creditworthiness.
I kindly request that you investigate these fraudulent accounts promptly and remove them from my credit report within four business days. Failure to do so would be a violation of the FCRA and may result in legal action being taken against your organization.
Furthermore, I have noticed the presence of unauthorized hard inquiries on my credit report that are not associated with any open accounts. These inquiries were made without my written consent and are adversely affecting my credit score and my ability to obtain credit. I demand that these unauthorized hard inquiries be immediately removed from my credit report.
I must emphasize that I do not wish to receive a response from e-oscar or any automated system. I request that this matter be handled by a competent human being who can provide the necessary attention and ensure a proper resolution.
I urge you to take immediate action on this matter and provide me with written confirmation of the removal of the fraudulent accounts and unauthorized hard inquiries from my credit report. Additionally, I request that you block the information related to these fraudulent accounts to prevent any future reporting.
I expect your prompt attention and resolution of this matter within the stated timeframe. Please note that any delay or inaction on your part may lead to further damages and will be duly documented for potential legal recourse.
Thank you for your cooperation and assistance in resolving this distressing situation. I look forward to a swift resolution and the restoration of the accuracy and integrity of my credit report.
Yours sincerely, XXXX XXXX | null | EQUIFAX, INC. | OH | 45424 | null | Consent provided | Web | 2023-06-01 | Closed with non-monetary relief | Yes | null | 7,058,087 |
2022-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX has accepted arrangements for my car loan payments for XXXX, XXXX and XXXX of 2020. Under Section 4021 of the CARES Act, XXXX is to not report a payment on my account as late after agreeing to accommodations. They refused to stop reporting these payments even though I made all the payments according to the accommodation. All attempts to dispute this information through Experian have resulted in the information continuing to appear in the account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 700XX | null | Consent provided | Web | 2022-05-16 | Closed with explanation | Yes | null | 5,567,947 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I attempted to purchase a home and was told I had student loan debt. And because of this, I was denied. | null | Nelnet, Inc. | TX | 751XX | null | Consent provided | Web | 2023-05-02 | Closed with explanation | Yes | null | 6,830,262 |
2018-01-04 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | the calls started on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX then it stopped. It wasn't until XX/XX/XXXX is when they started calling more than once. I've received phone calls once every 3 to 4 days and i already told them I'm a stay at home mom on XX/XX/XXXX so when i have money to spare the balance will be paid. Sometimes i get calls multiple times a day, the calls have been made on these days XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Outsource Group, Inc | FL | 33055 | null | Consent provided | Web | 2018-06-26 | Closed with explanation | Yes | null | 2,771,467 |
2023-02-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | ( I have reached out to XXXX, XXXX and XXXX, XXXX XXXX and Equifax ( XXXX XXXX XXXX XXXXXXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX and XXXX and XXXXXXXX XXXX XXXX but without written notice They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Equifax, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in XXXX XXXX consumer protection and innovation complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Fraudulent Name ) XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY, XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXX ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXXXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT XXXX ACCOUNT XXXX AMOUNT {$15000.00} DATED XX/XX/2020 XXXXXXXX XXXX XXXX XXXXXXXX $ XXXXFailure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAXXXXX DATA FURNISHER/ CREDIT REPORTING AGENCYS ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.18 U.S.C 8 and being that you ( XXXX XXXX XXXXEQUIFAX XXXXXXXX XXXX XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXXEQUIFAX ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXXXXX XXXXEQUIFAX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 ( 3 ) ( e ) 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. XXXXEQUIFAXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX | null | EQUIFAX, INC. | NY | 11237 | null | Consent provided | Web | 2023-02-18 | Closed with explanation | Yes | null | 6,589,173 |
2021-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/2021 I filed a dispute with Equifax regarding a XXXX XXXX Home Mortgage account listed on my report. I received a report from equifax ( confirmation # XXXX ) stating the account was verified. I sent a follow up letter on XX/XX/2021 asking for a re-investigation. I received no answer. On XX/XX/2021 I se t a factual dispute regarding this account as it was still reporting on my credit report. As of today XX/XX/2021 I still have not received an answer. | null | EQUIFAX, INC. | FL | 33570 | null | Consent provided | Web | 2021-09-15 | Closed with explanation | Yes | null | 4,722,533 |
2021-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed | null | EQUIFAX, INC. | NJ | 070XX | null | Consent provided | Web | 2021-05-18 | Closed with explanation | Yes | null | 4,387,886 |
2018-04-19 | Student loan | Federal student loan servicing | Incorrect information on your report | Account status incorrect | Account shows late payments that are not accurate. | null | AES/PHEAA | CO | 80021 | null | Consent provided | Web | 2018-04-19 | Closed with explanation | Yes | null | 2,880,997 |
2019-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX report my account as pass due more than 30 days in the month of XX/XX/2018 and as a result I'm been denied a current loan application. My monthly payment changed on XX/XX/2018 to make up for a change on the escrow account to cover property taxes and insurance. The monthly payment was {$660.00} until XX/XX/2018. Then, in XXXX the monthly payment changed to {$730.00} starting XX/XX/2018. As I was away on vacations I did not noticed the change on the monthly plus my payments are on autopayment. XXXX XXXX XXXX received my XXXX payment of {$660.00} cashed and put it into an escrow account rather than into my loan account.
In XXXX, when I found out about it. I was asked to make an extra payment of {$73.00} to cover the XXXX balance. In XX/XX/XXXX, i made an extra payment of {$140.00} to cover the {$73.00} balance for XXXX and XXXX as my payments are in autopayment and every first of the month my bank ( XXXX ) send a check to fulfill the payment. As a result, my XXXX payment of {$660.00} was already out on the XX/XX/XXXX by mail and a second payment for {$140.00} went out on XX/XX/XXXX.
In sun, my XXXX payment was short {$73.00} dollars as a result of an adjustment on the monthly payment on a Fix mortgage. Please note the payment become delinquent every month on the XXXX. So, XXXX XXXX XXXX received more than {$730.00} before XXXX XXXX. Therefore, my account was not late more than 30 days. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DC | 20007 | null | Consent provided | Web | 2019-02-07 | Closed with explanation | Yes | null | 3,146,053 |
2022-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX : # XXXX, XXXX CARD : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. | null | EQUIFAX, INC. | CA | 945XX | Servicemember | Consent provided | Web | 2022-12-02 | Closed with explanation | Yes | null | 6,270,448 |
2018-11-15 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information.
As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me.
I'm happy to provide my account number or any other details that would be helpful. | null | AES/PHEAA | MA | 012XX | null | Consent provided | Web | 2018-11-15 | Closed with non-monetary relief | Yes | null | 3,075,130 |
2022-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I had a closed account for internet with XXXX.
I was on a payment plan.
Due to family illness I missed a payment.
Without notice they flagged the account for collection.
When I called I was told it was not in collections.
I told them my credit took a hit.
I called several times until I got ahold of someone who agreed to delete it for payment.
After they took payment they stopped taking my calls. Threatened me.
discriminated against me on the phone telling me they would never help me and I was a XXXX who should have paid it.
They were sued earlier this year for FRCA violations and negligence in XXXX XXXX XXXX for exactly the same behavior.
I need the account removed from my credit because in a recorded phone call they promised to delete in exchange for payment. This is a verbal contract and is in fact enforceable by law. They way in which XXXX bullies people and collects debt is criminal and they need to be punished.
My complaint is against XXXX. XXXX, XXXX and XXXX. All of whom have a judiciary duty to protect the rights of consumers under the FCRA and all of whom have failed to do so for me and many others. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85323 | Servicemember | Consent provided | Web | 2022-04-20 | Closed with non-monetary relief | Yes | null | 5,471,353 |
2022-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35215 | null | Consent provided | Web | 2022-04-18 | Closed with non-monetary relief | Yes | null | 5,463,799 |
2020-11-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the XXXX Data breach. Delete ASAP those accounts or I will file litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 700XX | null | Consent provided | Web | 2020-11-26 | Closed with explanation | Yes | null | 3,976,412 |
2023-09-08 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 705XX | null | Consent provided | Web | 2023-09-08 | Closed with explanation | Yes | null | 7,515,731 |
2015-10-19 | Debt collection | Payday loan | Communication tactics | Frequent or repeated calls | Cashcall continues to call us on a debt that 's been paid. We have paid the principle and in addition to the interest in total amount exceeding XXXX dollars. We filed a complaint with the Ohio XXXX Office on XXXX/XXXX/2015 stating that Cashcall was harassing us for a debt that was paid in full in accordance to the state laws of Ohio. The XXXX representative stated that Cashcall and any associated entity was not licensed in Ohio therefore illegal. After further investigation we XXXX that Ohio was added to the current lawsuit submit by CFPB. Also the following surrounding states have filed lawsuits against Cashcall Indiana, West Virginia and Michigan for the same illegal tact 's. Each state mention in the prior statement won their legal cases against Cashcall. Simply put we 're tired of the harassment from this illegal loan company. We received several calls from them again on XXXX/XXXX/14 starting @ XXXX XXXX.
Original Lender : XXXX XXXX XXXX, XXXXurrent website : XXXX : XXXX? XXXX : Ohio is n't listed as a State that can borrow money.
Please note the following law code from the state of Ohio.
Ohio, which voids loans of {$5000.00} or less that are made without a license, and the lender has no right to collect, receive, or retain any principal, interest, or charges on such loans, Ohio XXXX
XXXX. | Company believes it acted appropriately as authorized by contract or law | CASHCALL, INC. | OH | 44720 | null | Consent provided | Web | 2015-10-19 | Closed with explanation | Yes | No | 1,615,168 |
2019-11-26 | 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 | On or about XX/XX/2019 I requested a credit freeze while investigation was made over some transactions that appeared on my credit but were not mine. I received the paperwork and everything was going fine until XX/XX/2019. I filed a request to please have my credit freeze temporally lifted from Equifax, XXXX and XXXX. I needed to move from house and my credit needed to be ran. I had no issues with XXXX, they immediately lifted the credit freeze. On XX/XX/2019 I received a notice from Equifax in which it stated that my credit would be temporarily lifted from XX/XX/2019 till XX/XX/2019. However, I have been checking the status everyday since receiving this notice and my credit is was still frozen. XXXX and other creditors have run my credit since, and it still shows as frozen. On XX/XX/2019, I requested or my credit freeze to be removed permanently due to the whole situation. On XX/XX/2019 I received a notice from Equifax stating once again my request was granted. However, till this day anywhere my credit is ran Equifax and XXXX has no credit or score. I have tried numerous times to contact them on the phone and by mail but have not received any response, the customer service has had no resolution for me and hang up when a hey don't have an answer for me. I don't understand why this is happening.
I need to move from home and I need my credit to be available as soon as possible, thank you.
P.S all documents requested by Equifax have been submitted, this includes CA drivers license, SSN, W-2 forms, Utility Bills, ETC. | null | EQUIFAX, INC. | CA | 90062 | null | Consent provided | Web | 2019-11-26 | Closed with explanation | Yes | null | 3,450,563 |
2021-08-23 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | in XX/XX/XXXX I noticed the checking account was hacked. This was an account that was just collecting interest for years. I did not start monitoring the account until mom brought this to my attention. I closed the account in XXXX XXXX the account was hacked from XX/XX/XXXX to XX/XX/XXXX. Chase went all the way back to XXXX XXXX they haver a disclaimer stating that they only covered the first 60 days.my problem is the fact that the bulk of the money hacked was between XXXX and XXXX XXXXthe amount in question is over XXXX the account was hacked through XXXX XXXX In XXXX of XXXX XXXX XXXX sent me a letter stating they would return the money taken in XXXX but Chase would have to agree and. they did not. i enclosed paperwork that substantiates my claim. I hope you can assist because this was a joint account with my mom who passed away XX/XX/XXXX. Any assistance will be greatly appreciated. thank you in advance | null | JPMORGAN CHASE & CO. | NY | 11422 | Older American | Consent provided | Web | 2021-08-23 | Closed with explanation | Yes | null | 4,654,741 |
2023-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Recently, I conducted an investigation on my credit report, and let me tell you, it really took a toll on me. I felt incredibly XXXX upon discovering numerous items that were unverifiable, invalidated, inaccurate, and questionable. It was alarming to see that your agency had not ensured the information was reported correctly.
You see, according to the Fair Credit Reporting Act, it's crucial for everything on my credit report to be 100 % accurate. And guess what? These accounts I found are in direct violation of both 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) since they are not reporting information that is 100 % accurate. This is something that needs to be addressed and rectified as soon as possible. | null | EQUIFAX, INC. | IL | 629XX | null | Consent provided | Web | 2023-08-10 | Closed with non-monetary relief | Yes | null | 7,382,335 |
2021-02-25 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | Earlier this month, on XX/XX/XXXX, I pulled my consumer credit reports from the XXXX XXXX XXXX website, and the credit bureaus themselves. I found an account that I did not apply for, and did not recognize, so I went online, found a dispute letter, and mailed it to Commercial Acceptance Company. I sent that letter to the address that was reported on my XXXX report, however I did notice it was a different from the address reported to XXXX. Neither of those addresses match their website, which I found out after the letter I mailed to them was returned. This is both an FCRA violation and an FDCPA violation. They have reported incorrect and or false information to the credit bureaus in reference to my account. this account is incorrect and unverifiable. THEY ARE REQUIRED TO REPORT 100 % FACTUAL INFORMATION TO THE CREDIT BUREAUS AND HAVE FAILED MISERABLY. PLEASE HELP ME! | null | Commercial Acceptance Company | DE | 199XX | null | Consent provided | Web | 2021-02-25 | Closed with explanation | Yes | null | 4,167,668 |
2021-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2021 I sent a letter to capital one request copies of all records relating to the accounts. I also sent an identity theft affidavit and a copy of my FTC Report. I sent this letter out certified for {$4.00}. With copies of my ID and social security number as well. Capital One responded with a letter stating I didnt send in enough information and they werent taking any action. | null | CAPITAL ONE FINANCIAL CORPORATION | OH | 44120 | null | Consent provided | Web | 2021-04-20 | Closed with non-monetary relief | Yes | null | 4,313,833 |
2020-11-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- CLOSED ACCOUNT 1. XXXX/XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. | null | EQUIFAX, INC. | CA | 92804 | null | Consent provided | Web | 2020-11-03 | Closed with explanation | Yes | null | 3,935,423 |
2023-08-16 | 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 | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these Items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 75024 | null | Consent provided | Web | 2023-08-16 | Closed with non-monetary relief | Yes | null | 7,407,891 |
2023-02-24 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I had several emails asking for proof of deposits from another bank and verify my identity from chime XXXX. When I called customer service they said do not answer that it is a scam we do not have anything called XXXX. This was not true it was XXXX wanting information and to verify my account. I do not know what suspicious activity they have Frozen my account because of I can not talk to anyone that has anything to do with this only customer service it says you'll have to wait we don't know anything and there's nobody you can talk to they only email. I am now Frozen out of a bank account with {$370.00} in it and a savings account with {$3800.00} in it it has been 3 weeks no one can tell me anything they just keep sending asking for more information or the same information to be sent over and over again. | null | Chime Financial Inc | SC | XXXXX | Older American | Consent provided | Web | 2023-03-31 | Closed with explanation | Yes | null | 6,613,471 |
2021-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30331 | null | Consent provided | Web | 2021-06-16 | Closed with explanation | Yes | null | 4,464,912 |
2023-06-06 | 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 | The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | MD | 20785 | null | Consent provided | Web | 2023-06-06 | Closed with explanation | Yes | null | 7,071,622 |
2019-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | i have never been late on any accounts. i have set up auto pay since the beginning of the lease. XXXX XXXX was completely not reporting the month of XX/XX/XXXX, marked XX/XX/XXXX, XX/XX/XXXX, as late payments. in the month of XX/XX/XXXX, they updated there report showing XX/XX/XXXX as completely not reporting. and they changed the months late to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as late. this doesn't make sense. i have bank statement showing they pull and always have on the XX/XX/XXXX of every month. i want this account to show paid as agreed on all the months or completely removed from my credit file. the erroneous reporting of inaccurate information has impacting my loan abilities, my mortgage and car insurance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48076 | null | Consent provided | Web | 2019-08-22 | Closed with explanation | Yes | null | 3,350,198 |
2021-10-11 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have never done business nor signed any agreements with PORTFOLIO RECOV ASSOC. | null | PORTFOLIO RECOVERY ASSOCIATES INC | TN | 38109 | null | Consent provided | Web | 2021-10-11 | Closed with explanation | Yes | null | 4,798,919 |
2022-12-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29045 | null | Consent provided | Web | 2022-12-22 | Closed with non-monetary relief | Yes | null | 6,351,711 |
2022-10-05 | Checking or savings account | CD (Certificate of Deposit) | Opening an account | Unable to open an account | The bank has denied me an account. I meet their published eligibility requirements -- I am over 18, I am a U.S. citizen living in the U.S., I have a social security number, and I have a physical U.S. address. In addition, the bank from which I intend to transfer funds into my Bread Financial account is a major banking institution ( XXXX XXXX ), and has verified that they have shared my account information with Bread. I have spoken with employees of Bread at least seven times to resolve this, and have been told there are hidden eligibility requirements not reflected on Bread 's website, and that I must not have qualified in every way, otherwise the account would have been opened and my funds transferred in. They have further told me that I will never be told the reason. I have never been denied the opening of a bank account in my life. I must deduce that this is either due to a computerized glitch, or that I am being discriminated against in an unethical illegal manner. I demand to know the reason that Bread Financial has denied me an account. I have complained, and escalated the complaint, and have received no communication of any kind from Bread Financial to resolve this. | null | Bread Financial Holdings, Inc. | CA | 92130 | Older American | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,052,224 |
2020-03-25 | Debt collection | Private student loan debt | Attempts to collect debt not owed | Debt was result of identity theft | My son is enrolled at XXXX XXXX University ( XXXX ). He applied to Sallie Mae for an education loan online in XX/XX/2019 for {$13.00}, XXXX. He emailed me in XX/XX/2019 asking that I co-sign his loan. I told him that I would have to see the terms and condition first before making a decision. I logged onto the Sallie Mae link he sent and started filling out the application to view his loan information. I started filling out the required information, but did not complete the application because I disagreed with the loan terms. The main disagreement points were : ( 1 ) it was what I consider to be an excessive interest rate and ( 2 ) it was a Variable Interest Rate loan. My son may have accepted those loan terms, but as co-signer, I did not accept the loan 's terms because I was shopping around for more favorable loan options. However, I did elect the required " fixed monthly payments of {$25.00} while you [ my son ] are in school and for a separation period of 6 billing periods thereafter. '' ( Reference : Update on your loan application : Action Required pg 2. Repayment Options para. 1. Accessed via email XX/XX/2019 ). I was surprised to receive an email from Sallie Mae requiring a {$120.00} payment, which I never consented to paying. However, I did make the payment on behalf of my son because he could not afford to and I did not want to damage my credit rating. I believe that in trying to push/sell their high interest variable interest rate loan, Sallie Mae not only cut corners by processing an incomplete application ( mine ), but also approved me as a co-signer without my explicit consent. I consider the aforementioned business actions fraudulent and identity theft. I contacted Sallie Mae on numerous occasions, but to no avail. I have also filed multiple complaints against Sallie Mae, but so far I am still awaiting a satisfactory resolution. | Company believes complaint is the result of an isolated error | SLM CORPORATION | FL | 34744 | Servicemember | Consent provided | Web | 2020-03-25 | Closed with non-monetary relief | Yes | null | 3,579,141 |
2021-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/XXXX BERLIN-WHEELER-KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX ) XXXX To Whom It May Concern : As you are well aware of, The Fair Credit Reporting Act of XXXX requires collectors and creditors to furnish accurate and complete information to Credit Reporting Agencies.
In a recent review of my credit report XXXX which I am enclosing as an attachment ), I have noticed some errors. Please make the following changes : Remove account immediately from credit report as account does not belong to me.
In the event that you can not fulfill my request by deleting the late payments immediately, please verify the information you have listed as accurate by providing the name of the person supplying this data as well as the manner in which it was provided in order that I may pursue additional legal remedies.
Sincerely, XXXX XXXX XXXX XXXX SSN-XXX XX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Berlin-Wheeler, Inc. (Kansas) | NV | XXXXX | null | Consent provided | Web | 2021-05-11 | Closed with explanation | Yes | null | 4,366,757 |
2017-09-07 | Student loan | Federal student loan servicing | Struggling to repay your loan | Problem lowering your monthly payments | I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time | null | Navient Solutions, LLC. | CT | 065XX | null | Consent provided | Web | 2017-09-07 | Closed with explanation | Yes | null | 2,665,528 |
2023-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Member ID XXXX Experian this company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15usc 1681 Section 602 8 state I have the right to privacy 15 usc 1681 section 604 a Section 2. Reporting agency can not furnish my account with out my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CT | 06118 | null | Consent provided | Web | 2023-02-19 | Closed with non-monetary relief | Yes | null | 6,591,991 |
2018-10-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I have spoken to both American Express ( American Express Blue Preferred Card ), and XXXX XXXX XXXX XXXX. I processed a payment on XX/XX/18 through the AmEx mobile app. This payment should have been deducted from a XXXX XXXX XXXXXXXX XXXX XXXX XXXX account, however it was attempted to be deducted from a XXXX XXXX XXXX XXXX account. That account didn't have sufficient funds for the {$1500.00} payment, and returned with NSF charge of {$35.00}. American Express then attempted two ( 2 ) more times to deduct funds from this account WITHOUT my consent. Leading to two ( 2 ) additional NSF charges from XXXX XXXX. This led to a total of {$100.00} of NSF fees for one attempted payment. I attempted to contact XXXX XXXX about this, and they refused to refund me any charges, and after much complaint, they agreed to refund a single {$35.00} NSF charge. They told me that they would require a letter from American Express on letterhead from a supervisor or manager. I called American Express and spent 81 minutes ( 1 hour and 21 minutes! ) on the phone with them explaining my problem and attempting to get help, I was transferred and spoke to either seven ( 7 ) or eight ( 8 ) different representatives. Each time I was transferred, It became more difficult for them to hear me. I find this to be either a common issue when dealing with these institutions and the phones they use. This tactic essentially allowed them to disconnect my call as they could " no longer hear me '' I stated very clearly that a ) I needed a letter sent to XXXX XXXX XXXX XXXX, stating that I did not authorize these multiple charges, that it must be on letterhead, and that it must be signed by a manager or supervisor and b ) it could be faxed to XXXX at ( XXXX ) XXXX. One agent at AmEx was even kind enough to go onto a three-way call with XXXX to explain the situation, and was told that there is nothing they can do to help without the form.
American Express told me it was standard procedure to make multiple attempts to charge someone for an attempted payment. I explained clearly that I did NOT AUTHORIZE them to charge my account multiple times, and that if notified, I could have informed them they were charging the incorrect account, in fact, I turned around and made the charge on XX/XX/18 a second time, because it never appeared as deducted from my XXXX account and never showed as payed on the AmEx website.
Meanwhile XXXX XXXX is making {$100.00} off of NSF fees that I never authorized in the first place. I believe that these tactics by both institutions, to make things so difficult on consumers, by a ) requiring forms that no one seems to be able to produce and b ) transferring people so deep into a companies organization, creating massive amounts of time lost and making the call extremely difficult, by making it hard to hear, AND by making a consumer repeat there complaint 5+ times to various people along the way amounts to some form of organized theft of personal funds to increase profits. | null | AMERICAN EXPRESS COMPANY | NC | 28560 | null | Consent provided | Web | 2018-10-19 | Closed with explanation | Yes | null | 3,051,348 |
2017-12-26 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I was on a website the other night looking at information for a credit card from an ad that was supposed to be a " pre-approval ''. Once I realized that the company was going to do a hard pull on my credit report I backed out of the application. Some time later I received an email stating that I had a new inquiry on my credit report.
Once I contacted the company directly from the information provided on my credit report ( XXXX/XXXX XXXX, DE XXXX ( XXXX ) XXXX ), they claim that they can not remove the inquiry from my credit without stating it as " fraud ''. The rep I spoke to states that her supervisor informed her that they will have to investigate which will take up to 30 days but can not guarantee the inquiry will be removed. Again, I explained to her that I not someone else backed out of the application, that there should not have been an inquiry in the first place.
The rep became short and advised " I just have to wait '' to see what her supervisor decides. If it was not " fraud '' then it has to stay on my credit. Further in conversation I again advised the rep that the application should have been deleted and not processed since I backed out of it. She informed that there was nothing else that could be done. This is unacceptable, since I backed out of the application before hitting the submit button. I 'd like to see this inquiry removed from my credit report expeditiously. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | FL | 349XX | null | Consent provided | Web | 2017-12-26 | Closed with explanation | Yes | null | 2,764,051 |
2016-05-24 | Debt collection | Credit card | False statements or representation | Attempted to collect wrong amount | I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you | null | WINN LAW GROUP, APC | CA | 92879 | null | Consent provided | Web | 2016-05-24 | Closed with explanation | Yes | No | 1,938,803 |
2020-04-18 | Debt collection | Mortgage debt | False statements or representation | Attempted to collect wrong amount | As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of HSBC ( Beneficial ) and XXXX XXXX XXXX, XXXX ( XXXX ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of HSBC and XXXX. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by HSBC and/or XXXX or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, HSBC, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. | null | HSBC NORTH AMERICA HOLDINGS INC. | NJ | XXXXX | null | Consent provided | Web | 2020-04-18 | Closed with explanation | Yes | null | 3,612,588 |
2020-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | While I was in the process of trying to rent an apartment, my credit report had to get pulled. i was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. these accounts do not belong to me. Please remove these items from my report. | null | EQUIFAX, INC. | CO | 80010 | null | Consent provided | Web | 2020-05-26 | Closed with explanation | Yes | null | 3,668,330 |
2019-11-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I called many times XXXX to report that I never did a bankruptcy that was reported under my old Amex account. I disputed two times, and they always answered that after dispute it is there to stay until XX/XX/XXXX. I called Amex, and same answer. On XX/XX/XXXX, I went to United Sates Bankruptcy Court Southern District of Florida, and I paid to have them to do a search, and they did issue a sealed one page report stating that they " none found '' any pending or closed bankruptcy cases in this district. It's been 6 months that I'm fighting and dispute with XX/XX/XXXX, they hung up on me, and a supervisor even read the notes that other employees put in my file, and the employee lied in his notes.
How come a reporting agency or a credit card can put whatever they want even if it's not true. It's illegal, false information, I NEVER did a bankruptcy. This is destroying my life. In the USA you can not do anything with this mention in your credit bureau, your life is almost destroyed. I had more than 36 mistakes in my file with XX/XX/XXXX this year. In the report attached with this complaint you will see that in XX/XX/XXXX they were supposed to DELETED the bankruptcy and they never did. That's a lie. Why sending a Dispute Report if it this not true? XX/XX/XXXX as the goal to destroy people only. They just care for the paid clients like AMEX.
I will attached also a letter directly from AMEX that I received in early XX/XX/XXXX, and in the rectangle everything that is there, it is totally false, they did exactly the opposite. They still report me every month even if my account is close since long time, that file affect my credit score no doubt.
That needs to stop. If this system can allow me to download documents, I will certainly join proof for CFPB to help me as quickly as possible.
I also have another NEW problem with XX/XX/XXXX since yesterday. I think, not to mix things, that I will initiate another complaint after this one, to be able to explain my NEW problem with XX/XX/XXXX | null | AMERICAN EXPRESS COMPANY | FL | XXXXX | null | Consent provided | Web | 2019-11-22 | Closed with explanation | Yes | null | 3,447,405 |
2023-03-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | These late payments are not accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 77004 | null | Consent provided | Web | 2023-03-03 | Closed with explanation | Yes | null | 6,642,358 |
2022-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | CRA taking longer than 30-45 days to complete dispute. They are not in compliance with the FCRA & FCBA laws. | null | EQUIFAX, INC. | AL | 367XX | null | Consent provided | Web | 2022-04-18 | Closed with explanation | Yes | null | 5,463,964 |
2022-10-25 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | I have been trying to get an application completed for the TPSLF program since XX/XX/2021. When the loan was recently transferred to Mohela, issues are not getting resolved and I am not able to communicate with them at all. They now have even stopped the email message option through their website- but their letters and updates aren't correct. They state they will get back to you in 10 days and its been well over 30. I also have to wait well over 5 hours to get anyone on the line and they usually know nothing so then I have to wait ANOTHER hour for a supervisor who then will provide the same lame excuses and blame the department of education. This is ridiculous- I have been a state employee for 12 years, there is no question I meet the requirements. Also, I have paid on my loans on time for 20 years!!!
I have done everything MOHELA has asked, I even reapplied like they stated I needed to. There are still payments not being counted correctly and they are not processing any of our paperwork. They refuse to do anything with these payments other than blame the Dept. of Education and I get stuck in the loop. | Company believes it acted appropriately as authorized by contract or law | MOHELA | NC | 27540 | Servicemember | Consent provided | Web | 2022-10-25 | Closed with explanation | Yes | null | 6,125,218 |
2017-01-10 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | Have a loan that is from an institute from a different state ; it was online services. The only loan I should and do have is a institution in New York only. I would like to dispute this and get it off my loan | Company disputes the facts presented in the complaint | Dream Center Education Holdings | NY | 121XX | null | Consent provided | Web | 2017-01-10 | Closed with explanation | Yes | No | 2,281,281 |
2023-05-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my XXXX aspirations. As a dedicated and driven XXXX, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals.
I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development.
Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust.
I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my XXXX XXXX without undue obstacles.
Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution.
I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my XXXX journey.
I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience.
Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting.
Yours faithfully, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90029 | null | Consent provided | Web | 2023-05-25 | Closed with explanation | Yes | null | 7,022,259 |
2022-04-07 | 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 - LENDING TREE every week for the last month - XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 has attempted to review my credit history.
I NEVER CONTACTED THEM NOR HAVE ANY CONTRACT WITH THEM TO PULL MY CREDIT REPORT. Lending Tree is committing fraud by pulling credit information randomly picking names without any approval from the consumer. Please force cease and desist order. Thank you. | null | Home Loan Center, Inc. | AK | 995XX | null | Consent provided | Web | 2022-04-07 | Closed with explanation | Yes | null | 5,420,106 |
2021-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2021, I noticed the following accounts on my credit report after previously informing the credit bureaus of the fraudulent accounts. Please assist me with this matter immediately.
1 : XXXX XXXX XXXX ACCT : XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX | null | EQUIFAX, INC. | PA | 19132 | null | Consent provided | Web | 2021-01-19 | Closed with explanation | Yes | null | 4,078,805 |
2022-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Ive had fraudulent activity on my credit report. Ive already file a complaint and had names and addresses removed from my report. I never applied for this card. XXXX, Transunion and XXXX are still violating my rights by reporting fraudulent inaccurate information on my credit report. I have never applied for a card with XXXXXXXX XXXX XXXXXXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32301 | null | Consent provided | Web | 2022-12-20 | Closed with non-monetary relief | Yes | null | 6,342,819 |
2021-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I HAVE SEVERAL INQUIRIES THAT ARE FRAUDULENT ON MY ACCOUNT. THEY DO NOT BELONG TO ME AND THEY ARE STOPPING MY ABILITY TO OBTAIN CREDIT Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX NA Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : CA XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Reason : I don't recognize this inquiry | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 950XX | null | Consent provided | Web | 2021-10-13 | Closed with non-monetary relief | Yes | null | 4,807,572 |
2019-09-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX # XXXX is reporting lates in XX/XX/XXXX and XX/XX/XXXX. I was never late. What happened was that I had paid them online and did not realize that the payment had not gone through until they sent me a notice about it being late after the two months had passed. The first thing I did was pay it. This is not my fault and I did not know about the payment not going through until it was too late. | null | EQUIFAX, INC. | GA | 30345 | null | Consent provided | Web | 2019-09-23 | Closed with explanation | Yes | null | 3,382,970 |
2023-06-27 | Credit reporting, credit repair services, 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75039 | null | Consent provided | Web | 2023-06-27 | Closed with explanation | Yes | null | 7,176,475 |
2022-05-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | null | EQUIFAX, INC. | VA | 23322 | null | Consent provided | Web | 2022-05-12 | Closed with explanation | Yes | null | 5,553,571 |
2022-08-02 | 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 name is XXXX XXXX XXXX I am sending this to request my full credit file. Including ( sources, report recipients, and summary of rights ). | 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 | 2022-08-02 | Closed with non-monetary relief | Yes | null | 5,830,674 |
2018-01-10 | Debt collection | Mortgage debt | False statements or representation | Attempted to collect wrong amount | Because of the market crash and my home value decreasing so that I could n't sell it for what was owed and other personal harships, on XXXX XXXX 2013 My home was foreclosed. The 1st lienholder XXXX XXXX received release from the 2nd Lien holder GMAC to foreclose on the property. After foreclosure the 1st lien sold the home for the full mortgage amount. I called GMAC the 2nd lien holder to see what would happen at that point since they did not receive money from the sale. They said they filed bankruptcy and wrote it off. Within the next year I started receiving calls from a company called XXXX XXXX XXXX who said the debt was sold to them and they are collecting it. XXXX XXXX XXXX is showing this debt on my credit as an open mortgage with late payments every month. I did some research and I found that legally GMAC should n't have sold the debt if they filed bankruptcy and wrote it off but even if it is okay for them to do that, the Collection company since they were not the original lien holder can not show this on my credit as an open mortgage with late payments every month and continued interest etc ... I have filed a complaint with the 3 credit bureau companies and XXXX refuses to do anything about how it is being reported ; however the other two have updated it.
My complaint is against XXXX XXXX XXXX and XXXX. Please help me in straightening this out. I understand the debt has to show on my credit report but at some point it will fall off but as long as it shows an open mortgage it will never come off and it looks like I am paying late mortgage payments every month and I am not. | null | Ocwen Financial Corporation | TX | 75248 | null | Consent provided | Web | 2018-01-10 | Closed with explanation | Yes | null | 2,778,575 |
2018-07-18 | Debt collection | Mortgage debt | False statements or representation | Attempted to collect wrong amount | OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ocwen Financial Corporation | NY | XXXXX | Servicemember | Consent provided | Web | 2018-07-18 | Closed with explanation | Yes | null | 2,966,636 |
2022-11-21 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | This complaint is in follow-up to XXXX. Their reply does not address the full substance of my complaint, specifically the {$35.00} NSF fee I have been assessed due to their decision to decline a valid recurring bill payment transaction. I have attempted to call XXXX XXXX twice at the number provided in the answer without response. I have also e-mailed that person at the address provided. None of my communications have received a response, so I open this new case, to again ask that the substance of my complaint be addressed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | OR | 97223 | Servicemember | Consent provided | Web | 2022-11-21 | Closed with monetary relief | Yes | null | 6,225,372 |
2022-03-13 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | This agency has been harassing to pay a debt that has already been paid. The debt was paid in XX/XX/XXXX. They are still harassing me. I had to block their number and I am still getting letters. I told a man in XXXX, I would take care of it. I did not even remember the debt and I took care of it like I said I would. I found out today XX/XX/XXXX that they added the debt to my credit report, falsely. They are not managing their accounts correctly or trying to make me pay the debt twice so that they can make money off of me. I am literally in the process of looking for a home and they are messing with my credit score and ability for my family to buy a home. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Ability Recovery Services, LLC | GA | 30008 | null | Consent provided | Web | 2022-03-13 | Closed with explanation | Yes | null | 5,311,322 |
2018-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Ally Auto reported my XXXX car note payment as being 30 days late when it's die on the XXXX of every month I paid it on the XXXX I owed {$410.00} for XXXX and XXXX I paid {$420.00} I admit I was late with XXXX payment but not XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | MS | 39120 | null | Consent provided | Web | 2018-04-28 | Closed with non-monetary relief | Yes | null | 2,890,295 |
2023-03-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11231 | null | Consent provided | Web | 2023-03-05 | Closed with explanation | Yes | null | 6,652,035 |
2017-04-06 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | Original debt was to XXXX. After the debt went into collections, a company named " XXXX '' ( XXXX reference # XXXX ) contacted me to collect. I asked for debt validation, they were unable to do and removed the negative report from my credit report. A few months passed, now another agency " Convergent Outsourcing Inc '' is attempting to collect on the same exact debt which was previously removed. I asked for debt validation and all they sent me was an old bill from XXXX. How can they collect on a debt thats already been removed from another company? Is an old bill sufficient enough to prove debt validation? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | CT | 06902 | null | Consent provided | Web | 2017-04-06 | Closed with explanation | Yes | No | 2,421,414 |
2017-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | None of the information on the credit bureaus are mine. I have been complaining about this for years. My XXXX , experian, and XXXX are completely wrong.. This severe fraud is not right. I need my due process. I need this taken care of immediately!!! This is causing very serious complication in my life. Please help me resolve this asap. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 17013 | null | Consent provided | Web | 2017-05-27 | Closed with explanation | Yes | null | 2,495,667 |
2023-09-16 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NE | 68111 | null | Consent provided | Web | 2023-09-16 | Closed with explanation | Yes | null | 7,560,372 |
2022-01-13 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Money was taken from your account on the wrong day or for the wrong amount | I purchased 2 apple gift cards one for {$200.00} and one for {$500.00} at XXXX. Scammers already had the gift card info somehow cause i guess thats what scammers are doing and they took the money as soon as it was loaded. I dat at XXXX for an hour and a hslf and called apple while i was there and they said i have to call the bank and report fraud to get my money back. They also said to file a report with you. XX/XX/2022. My name is XXXX XXXX.
Contact XXXX | null | GOLDMAN SACHS BANK USA | FL | 32765 | Servicemember | Consent provided | Web | 2022-01-13 | Closed with explanation | Yes | null | 5,098,194 |
2022-05-28 | 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 receive an email at XXXX on XX/XX/XXXX from the company New American Funding stating the following : Hi XXXX, It looks like a mortgage lender checked your credit on XXXX. Remember, you have 14 days after an inquiry to shop around without additional impact to your scores.
Looking to refinance?
Based on your XXXX XXXX XXXX XXXX range of XXXX - XXXX and your ZIP code in XXXX, this is our top pick from our partners.
15-year fixed from XXXX XXXX XXXX Interest Rate XXXX XXXX XXXX XXXX XXXX NMLS ID # XXXX Get my quote Then today, XX/XX/XXXX, I receive an email from credit karma stating that I have another hard inquiry on both my credit reports which I did not authorize. I am in the process of refinancing my home and this is going to delay my process. I feel cheated. | Company believes it acted appropriately as authorized by contract or law | BROKER SOLUTIONS, INC. | NJ | XXXXX | null | Consent provided | Web | 2022-05-28 | Closed with explanation | Yes | null | 5,619,715 |
2018-09-27 | 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 | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Notice to Appeal Dispute Date : XX/XX/2018 A recent charge is fraudulently reporting on my account, as of XX/XX/2018. This charge was previously disputed and resolved in my favor. On XX/XX/2018, I froze my account after losing my Discover Card. My card was attached to my cell phone so I opted to freeze it as customer service claimed no charges had recently been made. Days later a fraudlent charge appeared for {$1900.00} and post dated from XX/XX/XXXX. This charge was disputed and Discover ruled in my favor. I was told ( and have saved all communication from chat and emails ) the documentation provided from the other party was not sufficient. This documentation did not meet the burden of proof. On XX/XX/XXXX I received the following email, We've completed our initial investigation of your disputed transaction and have found in your favor. This means we'll reverse the temporary credit on your account and apply a credit adjustment. You will not be charged for this transaction, including any related interest or fees.
For the 5th time, the disputed amount was charged again to my account. XX/XX/XXXX, I received this email, I would like to explain what has happened. Because the transaction was on your previous account when we issued the provisional credit it posted to your previous account that the transaction posted to. We have requested the provisional credit be moved to your new account and should apply within 72 hours. I apologize for any inconvenience we have caused.
After reporting my card stolen and being issued a new account, this retriggered my dispute as a new transfer amount on the new account.
I WILL NOT be paying for a fraudulent charge. I have always paid what I owed. My stellar credit, never having on late fee or collection, all reflect this.
I did not authorize the transaction. My consumer rights were stripped when this became a transfer balance account. I no longer receive email updates and disputing a transfer balance is not possible.
After previously filing a complaint, I received a notification in the mail. Discover claims to have closed my account and would be reissuing a new account number and card. These tasks were completed 4 months prior. My account was closed after my dispute back in XX/XX/XXXX. Yet, this recent correspondence was dated XX/XX/2018. Aside from this odd communication there have been no new changes. Consumers rights are violated when allegations are dismissed without consideration.
The signature provided looks nothing like the signatures used for myself or my wife.
Response recorded for legal purposes.
Please Advise, XXXX XXXX DISPUTE TIMELINE XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Fraudulent Charge Made - Although posted to account over a week later. MANUALLY KEYED - XXXX XXXX Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Charge Amount is {$1900.00} XX/XX/XXXX - Requested a Freeze on Account After Losing Cell Phone With Credit Card Attached At this time, the previous charge did not appear. I was assured when freezing the account that there could be pending amounts but no pending amounts were shown at that time.
Fri XX/XX/2018 - Temporary Credit Issued Merchant name is XXXX XXXX XXXX FL Merchant category is Travel/ Entertainment Credit Amount is {$1900.00} XX/XX/XXXX- XX/XX/XXXX STATEMENT Sat XX/XX/2018 - Original Dispute Date Appears again as a charge on statement. Recorded emails and chat room messages provided.
Apologies were made and Discover assured me the charge would, again, reversed.
Merchant name is XXXX XXXX XXXX FL REVERSAL OF TEMPORARY CREDIT Merchant category is Merchandise Charge Amount is {$1900.00} XX/XX/XXXX - XX/XX/XXXX STATEMENT Sun XX/XX/2018 - Dispute Date Changed - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Payments and Credits Credit Amount is - {$1900.00} XX/XX/XXXX - PRESENT XX/XX/2018 - Dispute Date Change - Fraudulent charge reposts as TRANSFER BALANCE Merchant name is TRANSFER BALANCE Merchant category is Other/ Miscellaneous Amount is {$1900.00} A FRAUDULENT ACCOUNT IS NOT A TRANSFER BALANCE. | null | DISCOVER BANK | TX | 77375 | null | Consent provided | Web | 2018-09-27 | Closed with explanation | Yes | null | 3,030,771 |
2019-06-20 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | I was in two hospitals back @ XX/XX/2013 with a major XXXX injury. @ that time I was insured with XXXX.
The ACCOUNT # on this letter is XXXX XXXX Both stating the I owe {$5000.00} each {$5000.00} | null | Commonwealth Financial Systems, Inc. | TX | XXXXX | null | Consent provided | Web | 2019-06-20 | Closed with explanation | Yes | null | 3,281,639 |
2019-12-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94601 | null | Consent provided | Web | 2019-12-17 | Closed with non-monetary relief | Yes | null | 3,471,065 |
2019-10-08 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | I am a victim of identity theft and this debt does not belong to me.
Please see the identity theft report and legal affidavit attached. | null | Regional Management Corporation | SC | 29210 | Servicemember | Consent provided | Web | 2019-10-08 | Closed with explanation | Yes | null | 3,399,253 |
2023-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | See Attached Docs detailing violations of consumer rights and non XXXX XXXX compliant reporting. Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are actively furnishing an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''.
As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money ..... '' I am asking these debt collectors to provide an original contract with my signature, offer and acceptance. Copies will not suffice.
I would also like to see the assignment of debt. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt.
This company is also in violation of 15 USC 1692e by making false and misleading representations ... .I also demand these compaines to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so.
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. I have done my own investigation/case study and have researched numerus legal cases in which other consumers were victims of the same things that I am now experiencing, and the courts have ruled each an every time that the credit reporting agency could not merely parrot information from the creditors and/or collection agencies.
This account was never verified so leads me to believe that the CRA is just supplying egregious erroneous line items on my consumer report to willingly damage my character and reputation! Delete THIS!!!!
I hereby request that you initiate an investigation into this matter as per my rights under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX guidelines. Ive studied constitutional consumer protection laws extensively along with civil/federal court procedures such as that of Dixon-Rollins v. XXXX XXXX XXXX Ive taken the liberty of attaching a copy of my most recent consumer report detailing the multiple inaccurcies and downright defamation of character being falsely report on my consumer report. Look at the inaccurate line items i.e. last verified, Date of last activity, date reported, closed date etc etc. Im dissapointed in the lack of oversight by your agency in the investigation of this matter before slapping it on my consumer report!! REMOVE THESE NOW!
XXXX XXXX Acct # : XXXX XXXX Acct # : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 708XX | null | Consent provided | Web | 2023-05-21 | Closed with non-monetary relief | Yes | null | 7,008,076 |
2017-12-22 | Checking or savings account | Savings account | Managing an account | Funds not handled or disbursed as instructed | I was n't getting a high enough interest rate for my savings account at Citibank and went to withdraw my money from the account. The Citigold relationship manager, XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX IL XXXX location of Citibank said, in order to retain my business, he could potentially get me 1 % interest rate on a new savings account he could open up for me. He said that : - Normally I would need to add an additional {$25000.00} to my Citibank account. However, he could override that for me and get me the promotion.
- I would need to transfer my money from the XXXX branch where it currently resides to his branch.
We went back and forth on email a few times. After that we spoke on the phone and he said he both transferred my account to XXXX and got me the 1 % interest rate. This was at the end of XXXX.
I had over {$300000.00} in the account and feel like I am due interest of 1 % for the last 2 months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | IL | 60614 | null | Consent provided | Web | 2017-12-22 | Closed with explanation | Yes | null | 2,762,856 |
2020-09-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately. | null | EQUIFAX, INC. | PA | 19150 | null | Consent provided | Web | 2020-09-04 | Closed with explanation | Yes | null | 3,831,296 |
2021-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I've been attempting to do a loan assumption through US Bank since XXXX. For one reason or another they have found a way to deny me this process. Most recently in XXXX era they have now deleted my real estate mortgage loan off of my credit report. When I tried to refinance through another bank I was told that I was High Risk because US Bank had marked my mortgage as " Discharged in Bankruptcy '' I have NEVER filed bankruptcy. I have called multiple times and get transferred right back into the same phone tree, hung up on, or put on hold for over 45 minutes to which the call just " ends, I've also been flat out lied to to get me off the phone. I then received a letter yesterday stating that I needed to reaffirm my loan through the court system. The property nor myself have ever been listed in a bankruptcy. I can not legally do this. The loan originated in XXXX and I have been making sole payments, on time, and in excess, since late XXXX. In speaking with attorneys they have never heard of such an issue and no one seems to know legally how to get US Bank to fix this error. I recently demanded in writing that they provide to me all documentation on how they got to this determination that my home loan has been " discharged in bankruptcy '' I have yet to hear back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | ID | 83646 | null | Consent provided | Web | 2021-07-28 | Closed with non-monetary relief | Yes | null | 4,584,177 |
2022-01-05 | Checking or savings account | Checking account | Managing an account | Problem making or receiving payments | XXXX Citi XXXX Fraud-Denied claim even have evidence On XXXX XXXX XXXX, XXXXXXXX XXXX I received a notification in my cellphone that I have a pending transaction in Citibank onlinebanking app. As I check it there were two pending transfers, one is XXXX at XXXX and the second one is 3,600 at XXXX. I immediately called Citibank customer service using my cellphone and my cellphone can not make outgoing call. So, I used my neighbor 's cellphone to call. I called the Citibank Fraud department, they were able to check there were two pending transfers to XXXX XXXX ( XXXX XXXX XXXX ). I told them that it's fraud and unauthorized. It was not me. However, the customer service was only able to cancel the second one 3,600 but not the first one XXXX. She said that I need to file a complaint or affidavit letter which they will provide. I immediately opened a claim case and request them to contact the beneficiary bank for a wire recall. On the next day, XXXX XXXX, XXXX. I went to Citi branch near my place and file the affidavit of unauthorized online wire transfer and sent it to them and the fraud department has confirmed that they have received it. And on the same night, I went to the local police department to file a police report. I called the investigator from the Citibank XXXX team to provide my police department complaint number the next day. Then, I filed FBI complaint and FTC for the identify theft report. I have called the investigator after a week or two. Then on XX/XX/XXXX, the investigator called me that they denied my claim. I disagreed, so I requested to reopen the case. The next day I went to the police department to pick up a copy of my police report and went to a Citibank branch to ask them to help me fax the report to the fraud department even they did not request it. I was desperate that I need the money back to my account because I only have about 3600 left in my account for my own living expenses, including mortgage and taking caring of my XXXX parents. I was very cooperatively and put my trust on Citibank to provide me with the reasonable care.
Unfortunately, when I called on XX/XX/XXXX to check on the update of my appeal, they told me that they closed the case and the previous investigator didn't open an appeal for me. I was shock and disappointed!! Therefore, I quickly requested to reopen the case. In the past few weeks, I have tried to contact different lawyers. Meanwhile, I called the wire department to request a proof of the XXXX transection time for three times. They can only able to provide the transection day XXXX XXXX XXXX but not the time XXXX written on the research result. Also, the decision on Fraud claim was very short and generic saying that it was a scam. However, I have never done a big amount of wire-transfer before!! WASN'T THAT OBVIOUS IT IS A FRAUD WHEN ALL OF MY MONEY IS GONE IN TWO BIG TRANSFERS? IF THEY CAN CANCEL THE SMALL ONE, WHY THEY CAN'T CANCEL THE BIG ONE?? When I checked my XXXX text and call records, no one from Citibank contacted me to verify my identify for the big transfer. That was unreasonable customer care!!!
Today XX/XX/XXXX, I called for an update for my appeal. Citibank XXXX team still said it is under investigation and asked me to wait 30 to 60 days! Oh please HELP!!!!! I AM DESPERATE TO RECOVER MY MONEY IN CITIBANK!! I WORK OVERTIME TO SURVIVE UNDER THIS PANDEMIC. I NEED JUSTICE. PLEASE PROVIDE ME WITH REASONABLE CARE!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 11219 | null | Consent provided | Web | 2022-01-05 | Closed with explanation | Yes | null | 5,070,191 |
2020-09-26 | Checking or savings account | Checking account | Closing an account | Can't close your account | Credit card was closed by bank w/o warrant so I reciprocated but every time I call or live chat I just got the run around now I have XXXX out balance and am received monthly maintenance fee | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 33441 | null | Consent provided | Web | 2020-09-26 | Closed with explanation | Yes | null | 3,869,661 |
2020-12-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | null | Consent provided | Web | 2020-12-15 | Closed with explanation | Yes | null | 4,013,451 |
2018-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Somehow Experien has allowed XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/ XXXX/ XXXX and XXXX file fraudulent information on the secured party and creditor Aka the real party in interest i, woman, XXXX XXXX XXXX, and XXXX XXXX XXXX re-presents a complaint against the Defendants herein this day as to Harassment Slander Defamation and libel. They have the wrong address and the wrong persons. The names presented upon debt and or mortage is XXXX XXXX XXXX and XXXX XXXX XXXX.
Banks aka the Defendants have illegally contacted Plaintiffs requesting monies unproven to be owed without show of cause and proper documentation. Also Plaintiffs have notice multiple attempts of XXXX XXXX XXXX XXXX. Mortgage Division has sold or transferred the alleged information that of the Plaintiffs without consent, rights thereto, and proper information. Upon multiple request, Plaintiffs had given the Defendant XXXX XXXX XXXX. and employees Qualified Written Request to be filed and that with accuracy thereto the Plaintiffs private and personal property. Be it known this is not about a attempt to foreclose but the threat of such without proper and legal access thereto the Plaintiffs private property located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]. In fact Defendant XXXX XXXX mailed emailed and such the like provided documents thereto the Plaintiffs with incorrect information with the names and address of XXXX XXXX XXXX and XXXX XXXX XXXX. Based upon the letters presented approximately on four different occasions, Defendant XXXX XXXX has contacted the Plaintiffs without show cause and proof of a debt. But rather continued to threatened the Plaintiffs and their land and home. Thereafter the Plaintiffs filed a complaint against XXXX XXXX XXXX for identity theft and forgery approximately XX/XX/XXXX and the court hearing was held XX/XX/XXXX. The Defendant was notified but as usual ignored the notice. Soon after the court date and filings of such records with the court XXXX XXXX XXXX. and employees not limited thereto XXXX a subsidiary and or acquired bank whom also alleged rights to the Plaintiffs home property and land falsely. Such employees where contacting the Plaintiffs via USPO mail such as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all currently employed therewith XXXX XXXX XXXX. whom also where employed with XXXX before XXXX XXXX squired them during the housing market crash and as well the same employees are believed and proven to have worked with XXXX XXXX XXXX d.b.a. XXXX XXXXXXXX XXXX whom was forced out of business by the California Corporations Commissioner on or around XX/XX/XXXX, due to fraud, revoking a license they failed to obtain before doing business in the housing and mortgage markets therein XXXX XXXX County or the State Of California. XXXX XXXX XXXX is currently doing business under the name XXXX XXXX XXXX XXXX. Said company has been fined by government agencies for resurfacing under a new name. The law states that a Mortgage and all documents therein must be signed by both parties present. The new law is intended to expand the federal government 's capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs. Prosecuting Mortgage Fraud Cases as Bank Fraud. By amending the definition of financial institution to include a mortgage lending business, as a result, convictions for mortgage fraud can now carry a 30-year maximum prison sentence or a maximum {$1.00} million fine, or both. Even more importantly, mortgage fraud cases will now have a 10-year statute of limitations, as opposed to the 5-year statute of limitations for other frauds, which will give federal prosecutors much more time to develop such cases. IDENTITY THEFT - The Plaintiffs believes that XXXX XXXX XXXX obtained their information from public records via XXXX XXXX County Registrar Office either in XXXX Ca and or within said offices therein the State Of California. This information was illegally sold thereto XXXX whom hired XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, formerly of XXXX XXXX. For XXXX XXXX employees XXXX XXXX XXXX along with a notary by the name of XXXX XXXX filed a illegal Mortgage Document thereon or about XX/XX/XXXX, and again XXXX XXXX XXXX filed a document therein the same government agency on or about XX/XX/XXXX. This was done by appearing therein the County Registrar Office and obtaining private and personal information. Basically the Defendants in tort be it XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. used these fraudulent documents and created an instrument aka a mortgage loan unbeknownst thereto the Plaintiffs until on or about XX/XX/XXXX. On XX/XX/XXXX, President Obama signed into law the Fraud. The new law is intended to expand the federal governments capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs, such as the Troubled Assets Relief Program. HARASSMENT - After the company XXXX XXXX XXXX now doing business as XXXX XXXX XXXX XXXX, had obtained the Plaintiffs Private and personal information they called the Plaintiffs making fraudulent unbelievable offers to refinance, when the home owners [ Plaintiffs ] said no, and was no longer interested due to the issues presented that was too good to be true, they XXXX XXXX XXXX then forged documents and allegedly sold them to XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX. Nothing appeared thereon their credit reports until XX/XX/XXXX, not limited to a unknown lien by way of a credit card from XXXX XXXX XXXX. whom alleged a debt that was XXXX filed in XX/XX/XXXX and agreed upon such in XX/XX/XXXX when the debt was to be XXXX. XXXX XXXX not limited thereto employees filed a lawsuit against XXXX XXXX XXXX Plaintiff in order to place the lien upon the home because the property had no liens no mortgage assignments thereafter PAID IN FULL with XXXX XXXX XXXX XXXX in XXXX, whom was suddenly acquired by XXXX XXXX in XXXX with the Plaintiffs information private and no consent to do any business therewith XXXX XXXX XXXX. More over the only name on the home was that of XXXX XXXX XXXX, not XXXX XXXX XXXX as recorded in the Deeds records and such the like. None the less XXXX XXXX XXXX. not limited to employees added his name to newly created documents. Thereafter XXXX began contacting the Plaintiffs requesting payments late payments and back payments of monies owed that was not proven such a mortgage existed. Thereafter XXXX Produced a Mortgage document with the names that look like the Plaintiffs but was not that of the Plaintiffs. XXXX XXXX XXXX did not appear thereon the documents as well nor did XXXX XXXX XXXX. During the complaint initiation filed with XXXX XXXX XXXX. and later with the CFPB in XX/XX/XXXX the SEC, OCC and such the like agencies that regulated such banks in actions therein. Also contacting neighbors and family members embarrassing the Plaintiffs by stating in writing that they the Plaintiffs do not like to pay the debts. As well reporting it thereto credit agencies and bureaus such as XXXX, XXXX, Experian and others. Such was ignored and other failed attempts deleted from the credit reports of the Plaintiffs as of XX/XX/XXXX. XXXX XXXX also reported this information thereto XXXX XXXX. Trustee and such the like, whom in response to the Plaintiffs by XXXX, whom stated in a letter XX/XX/XXXX, this debt is real and still owed. SLANDER & LIBEL - The Plaintiffs have no record contracts with XXXX XXXX XXXX. Plaintiffs recall having credit cards with XXXX XXXX XXXX. whereas they believe other private old or new information was attained and used to harass Plaintiffs in order to create a mortgage contract by said bank not limited to employees and acquired banks therein. Slander is mentioning someones personal and private business thereto others without proof facts truth and such the like. The action, or crime, of making a false spoken statement damaging to a person 's reputation. Such was done when XXXX XXXX XXXX. made multiple attempts to record this information with the XXXX XXXX County Registrar Office, Courts, and other agencies such as the XXXX XXXX County Tax Accessor and more. Libel is a published false statement that is damaging to a person 's reputation ; a written defamation. Code of Civil Procedure - CCP 170.6. ( 1 ) A judge, court commissioner, or referee of a superior court of the State of California shall not try a civil or criminal action or special proceeding of any kind or character nor hear any matter therein that involves a contested issue of law or fact when it is established as provided in this section that the judge or court commissioner is prejudiced against a party or attorney or the interest of a party or attorney appearing in the action or proceeding. home owners and customers are now APPELLANTS STATEMENTS OF FACTS - The Plaintiffs filed accordingly thereto the laws within these United States thereto serving all Defendants herein mentioned within said complaint and claim [ s ] and all where served on or about XX/XX/XXXX. Judge XXXX XXXX XXXX duty sworn under oath has failed himself by not reading the briefs, complaint claims and recusals not limited thereto disqualifications as to attorneys creating confusion as to who they are and to what they are doing. No answers where filed, no notices of appearances, they the Defendants attorneys just showed up with a notice of removal on XX/XX/XXXX filed alleging that they filed it on XX/XX/XXXX XXXX well after the Plaintiffs filed their Motion for Default Judgement and hearing set on XX/XX/XXXX. ARGUMENT - Plaintiffs have filed this complaint on XX/XX/XXXX. Plaintiffs amended, and released XXXX XXXX XXXX on or about XX/XX/XXXX. All Defendants where served on or about XX/XX/XXXX. All Defendant minus [ XXXX ] XXXX XXXX XXXX XXXX. defaulted on or about XX/XX/XXXX when the Plaintiffs filed their Motion For Default Judgment hearing paid for and set forth on XX/XX/XXXX XXXX. The Defendants failed to file with the courts on or about the 30 days of receiving the summons and complaint and chose to delay by filing only an answer therein District State Court Central Division on or about XX/XX/XXXX and or about XX/XX/XXXX. By doing this at this time means they defaulted. All Defendants listed herein this amended and original complaint are responsible for they too did respond with letters and therein court by removal and such the like of Plaintiffs case, they are not being sued erroneously for their involvement are as follows ; XXXX XXXX XXXX and such the like claims to be the Trustee, and supported this fact by way of multiple letters. XXXX aka XXXX XXXX XXXX XXXX claims to be the Nominee and beneficiary without legal rights to land or property but known as a online record keeper of Mortgages. XXXX XXXX claims to be the servicer and owner of said mortgage alleged created out of identity theft and forgery creating the slander defamation and libel case herein.
XXXX XXXX XXXX XXXX and such the like claimed to be the new debt collector as of XX/XX/XXXX and supported this fact with letters sent to the Plaintiffs home.
XXXXXXXX XXXX XXXXXXXX, formerly known as XXXX XXXX XXXX by way of XXXX XXXX alleged to have originated the loan and the documents where recently produced and mailed to the Plaintiffs home property and land on XX/XX/XXXX, by attorney in representation. XXXX XXXX XXXXXXXX XXXX alleged to have acquired the fraudulent mortgage from XXXX XXXX XXXX as of XX/XX/XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX, whereas four years later XXXX supported this fraud by sending letters stating that a debt or a mortgage was owed due to their acquisition of XXXX in XX/XX/XXXX.
This is abiding therein the Statute Of Limitations for the ten year period this has been going on. STATEMENT OF APPEALABILITY This appeal is from the judgment of the XXXX XXXX County Superior Court and is authorized by the Code of Civil Procedure, section 904.1, subdivision ( a ) ( 1 ). ( a ) An appeal, other than in a limited civil case, is to the court of appeal. An appeal, other than in a limited civil case, may be taken from any of the following : ( 1 ) From a judgment, except an interlocutory judgment, other than as provided in paragraphs ( 8 ), ( 9 ), and ( 11 ), or a judgment of contempt that is made final and conclusive by Section 1222. ( 2 ) From an order made after a judgment made appealable by paragraph ( 1 ). ( 3 ) From an order granting a motion to quash service of summons or granting a motion to stay the action on the ground of inconvenient forum, or from a written order of dismissal under Section 581d following an order granting a motion to dismiss the action on the ground of inconvenient forum. ( 4 ) From an order granting a new trial or denying a motion for judgment notwithstanding the verdict. ( 5 ) From an order discharging or refusing to discharge an attachment or granting a right to attach order.
( 6 ) From an order granting or dissolving an injunction, or refusing to grant or dissolve an injunction. ( 7 ) From an order appointing a receiver. ( 8 ) From an interlocutory judgment, order, or decree, made or entered in an action to redeem real or personal property from a mortgage thereof, or a lien thereon, determining the right to redeem and directing an accounting. ( 9 ) From an interlocutory judgment in an action for partition determining the rights and interests of the respective parties and directing partition to be made.
( 10 ) From an order made appealable by the Probate Code or the Family Code.
( 11 ) From an interlocutory judgment directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds five thousand dollars ( {$5000.00} ).
( 12 ) From an order directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds five thousand dollars ( {$5000.00} ). ( 13 ) From an order granting or denying a special motion to strike under Section 425.16. ( 14 ) From a final order or judgment in a bifurcated proceeding regarding child custody or visitation rights ( b ) Sanction orders or judgments of five thousand dollars ( {$5000.00} ) or less against a party or an attorney for a party may be reviewed on an appeal by that party after entry of final judgment in the main action, or, at the discretion of the court of appeal, may be reviewed upon petition for an extraordinary writ. As for XXXX XXXX XXXX all the credit agencies know that he have no record of ever having a mortgage and such was the reason for the lower score less than 750 rating. Therefore never having a mortage without proof facts and evidence other than forged identity theft documents only creates such complaints toward the credit agency that of Experien and others. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89128 | null | Consent provided | Web | 2018-04-14 | Closed with non-monetary relief | Yes | null | 2,875,227 |
2023-01-06 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On XXXX a XXXX tenant 's rent check for {$790.00} was put into JP Morgan Chase ATM at XXXX XXXX XXXX XXXX XXXX branch. Machine asked for amount to be entered, I entered {$790.00} and got a receipt saying {$790.00} to be credited next business day. Same evening I got a email/secure message from bank saying " {$90.00} ATM error correction '' .. Called XXXX number listed in the message and lady on the line ensured me the full amount will be processed and deposited. Next morning on XXXX I logged into Chase account and saw {$90.00} withdrawn and {$790.00} check entered as two checks- one for {$700.00} plus second for {$90.00} without a check image ( there was no second check ). Called number again, was transferred several times, spend 2+ hours on calls including 1 hour 29 minutes hold on one of the calls. Was told that tenant needs to send me another check, that check will be send back to issuer etc. Decided to go to the branch then - team there was very forward but couldn't help saying claims have to fix that. Even though I had a copy of check receipt from the tenant and ATM receipt in my hand they still had to work with same claims team, which overwhelmingly was saying " machine read it as {$700.00} and that's it ''. No input about having a clear XXXX copy of a check or the clerk actually able to see the number on the check image correctly - nothing resolve the problem. Claims team refused to own the problem and told me they can send it back within 10 business days and I can deal with it. Went to the branch second time and branch XXXX saw how slow and unhelpful claims team is but didn't have options to enforce their cooperation or make them helpful. Issue is still pending and not resolved. | null | JPMORGAN CHASE & CO. | IL | 61820 | null | Consent provided | Web | 2023-01-06 | Closed with monetary relief | Yes | null | 6,407,116 |
2022-11-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19701 | null | Consent provided | Web | 2022-11-14 | Closed with non-monetary relief | Yes | null | 6,198,459 |
2023-09-01 | 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 | Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 32207 | null | Consent provided | Web | 2023-09-01 | Closed with non-monetary relief | Yes | null | 7,487,411 |
2022-07-07 | 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 Reporting act XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, 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 | null | EQUIFAX, INC. | MA | 01826 | null | Consent provided | Web | 2022-07-07 | Closed with explanation | Yes | null | 5,746,292 |