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aciborowska

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customers-complaints-train-eval

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2019-07-08

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have contacted United Accounts Inc on several occasions to delete a account # XXXX that was an incorrect account. The original creditor ( XXXX ) also called them and confirmed this should be deleted immediately as it was an incorrect account. United Accounts is claiming they submitted the request for the account to be deleted on XX/XX/2019. I have talked with XXXX on several occasions and they stated that they only thing they have done is confirm the amount owed. United Accounts refused to send an update until the end of the month again. They told me I would have to wait until XXXX and see if it comes off. This should not happen at all, when it was requested by XXXX it should have been immediately deleted! They are now only restating the already talked about situation and refuse to do the right thing. I have contacted all the credit bureaus and none of them have this request at all, they said if it was submitted they would have received it immediately and it would be deleted almost immediate.

United Accounts, Inc.

ND

582XX

Consent provided

Web

2019-07-08

Closed with explanation

Yes

2021-04-26

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

Mountain Run Solutions is reporting the wrong amount owed. I contacted the collections agency in writing and by phone but could not resolve the issue.

Company believes the complaint provided an opportunity to answer consumer's questions

Mountain Run Solutions, LLC

MD

20902

Consent provided

Web

2021-06-16

Closed with explanation

Yes

2022-08-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$57000.00}

EQUIFAX, INC.

NY

10314

Consent provided

Web

2022-08-18

Closed with explanation

Yes

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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 section 602A.States : I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2.It also states a consumer reporting agency can not furnish a account without my written instructions.

EQUIFAX, INC.

GA

318XX

Consent provided

Web

2022-11-14

Closed with explanation

Yes

2019-02-19

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

Both Capital one and XXXX XXXX XXXX were both actively collecting on the same two duplicate accounts ( they all have different amounts owed listed ) at the same time. I have asked XXXX XXXX for proof of the debt/ownership and have yet to receive it, yet they still have had time to send me threatening mail and call me continuously. On my XXXX account, it shows that Capital One, only recently, closed the account on XX/XX/2019, with a pay status of " Current or Paid as Agreed ''. Despite this, XXXX XXXX has been actively harassing me with phone calls multiple times a day ( every day, including weekends ), that start at XXXX XXXX and go throughout my time at work. They have even sent various letters that threaten to sue me ( to various unverified addresses ) with one being delivered to my old address and signed by somebody else, with no intent to do so. A lot of the times I felt that they have even misinterpreted themselves as legal counsel. I have attached their most recent letter, that I've received, which is threatening legal action, as well as what both creditors have reported to XXXX. The only reason that I have not tried to resolve this issue with them directly is because I feel that this company is untrustworthy, from what I've experienced so far and would appreciate the help of a third party.

CAPITAL ONE FINANCIAL CORPORATION

TX

75006

Consent provided

Web

2019-02-19

Closed with non-monetary relief

Yes

2021-10-22

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

I have a registered business in the state of Georgia and have several business accounts with Wells Fargo for a long time. Recently between XX/XX/XXXX and XX/XX/XXXX I had several fraudulent and unauthorized ACH debits from several of my business accounts and one personal savings account totaling {$190000.00}. We reported to the bank immediately and they did put money back for some small debits into some accounts but there are still approx. {$160000.00} of fraudulent debits they have not refunded. They have told me that the case is closed and they can not do anything with the above money. Wells Fargo does not have a specific person who is accountable and responsible to solve the above problem. They simply want me to go away. I have been a loyal customer for them since XXXX and have several business accounts and personal accounts with them. I need some serious help with the matter to avoid bankruptcy.

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

WELLS FARGO & COMPANY

GA

30097

Older American

Consent provided

Web

2021-10-22

Closed with explanation

Yes

2023-07-02

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.

National Credit Systems,Inc.

TX

75050

Consent provided

Web

2023-07-02

Closed with explanation

Yes

2018-11-30

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.

Company believes it acted appropriately as authorized by contract or law

ERC

TX

77346

Consent provided

Web

2018-11-30

Closed with explanation

Yes

2020-06-24

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

Credit reporting

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

Their investigation did not fix an error on your report

I initiated a dispute with XXXX on XX/XX/XXXX into the inaccurate reporting of debts with XXXX XXXX. I do not owe these debts and have provided adequate proof. Yet XXXX is still reporting. XXXX XXXX is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/XXXX with email from leasing staff XXXX XXXX. I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/XXXX and refused to lease to me. They were supposed to credit back application fee for preferred employer. XXXX XXXX is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75056

Servicemember

Consent provided

Web

2020-06-24

Closed with non-monetary relief

Yes

2023-01-06

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

In XXXX of 2022 the major credit reporting agencies including transunion agreed to remove all medical debts under {$500.00}. The account currently in dispute is a medical bill under {$500.00} and should be removed.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21217

Consent provided

Web

2023-01-06

Closed with explanation

Yes

2022-09-05

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

NY

11207

Consent provided

Web

2022-09-05

Closed with explanation

Yes

2023-04-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX have 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.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70810

Consent provided

Web

2023-04-20

Closed with non-monetary relief

Yes

2021-09-03

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

Credit reporting

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

Their investigation did not fix an error on your report

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 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. The following information therefore needs to be re-investigated. 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 below.

LEXISNEXIS

RI

02914

Consent provided

Web

2021-09-03

Closed with explanation

Yes

2017-10-24

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

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

Sent letter with attached application, copy of passport and utility bill to LexisNexis over four weeks ago asking for annual full file disclosure. I called on XX/XX/XXXX to ask for the status of my full file disclosure. They acknowledge sending it out USPS on XX/XX/XXXX and informed me it takes seven to ten days to reach me. That time has past. I still have not received the file.

LEXISNEXIS

NY

10312

Consent provided

Web

2017-10-24

Closed with explanation

Yes

2020-12-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was told I could reach out to you all to help me with an issue Ive been dealing with for some years now. There are student loans on my credit that I know nothing about. Im just so confused because I didnt even finish high school so could this happen to me. Im just trying to help my family as much as I can and the folks at the student loan place act like they dont know what im talking about. Can someone please help me get these off my credit. Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX XXXX, US Dept of EdXXXX.

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

Experian Information Solutions Inc.

GA

30331

Consent provided

Web

2020-12-20

Closed with explanation

Yes

2021-03-24

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Card opened as result of identity theft or fraud

Capital one never reached out for verification or did an investigation. Capital one said we can see no evidence of fraud on this account and we are not talking any action at this time. So we closed this case and arent doing any more research.

CAPITAL ONE FINANCIAL CORPORATION

FL

33063

Servicemember

Consent provided

Web

2021-03-24

Closed with explanation

Yes

2022-07-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

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

Experian Information Solutions Inc.

AL

357XX

Consent provided

Web

2022-07-12

Closed with explanation

Yes

2018-02-06

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I had borrowed sufficient funds to pay off the credit cards I had open with American Express. I contacted the company thru the customer service line. I spoke to the representative on XX/XX/2018, and determined that from his statements, and the billing statement that I had received, that the payoff total for the card was {$13000.00}. That total was paid to the company, that day, using my bank transaction routing, and I paid additional charge of {$9.00} to verify it was sent that day. This was due to the next day being the due date. A week later, I received another invoice from American Express, indicating I still owe XXXX. I reached out to the customer service line, again, and this time was basically told it was consistent with company policy to charge me interest, even though it was paid off. I am currently refusing to pay that amount, as I had already paid off the card a week previous, and on time previous to the next billing cycle.

AMERICAN EXPRESS COMPANY

MI

483XX

Consent provided

Web

2018-02-06

Closed with explanation

Yes

2018-03-29

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

Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made XX/XX/XXXX. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they could not verify that the information was being reported. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your REINVESTIGATION for THIS SPECIFIC INQUIRY within 15 business days of the completion of the REINVESTIGATION. Thank you for your assistance in this matter. Very Respectfully, XXXX XXXX

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

Experian Information Solutions Inc.

CA

XXXXX

Consent provided

Web

2018-03-29

Closed with explanation

Yes

2017-11-02

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Application denied

I applied for Citi Double Cash Card online and was approval. Citi sent me the physical card and a form which request for more information including Form XXXX and a copy of my social security card on XX/XX/XXXX. The deadline of this request is XX/XX/XXXX. I mailed the information Citi asked on XX/XX/XXXX. However, on XX/XX/XXXX, Citi mailed to me a letter stating that my account is closed without explanation on what is missing for my documents. I called in to check with them. The operator told me something about my last name is missing and my only option is to re-apply for this card. I was furious and hung up. A couple of days later, I called again to Citi and asked for a supervisor. I told her that I was going to file a complaint if Citi do not take action towards my issue. The supervisor agreed to reopen my account and asked me to wait for 5-7 business days. However, about two weeks later, I did not hear anything from them, so I called again, another supervisor told me that Citi can not reopen my account. The only option is to re-apply and have another inquiry to my credit history. The way Citi treated its potential customers is absolutely terrible. No clear reasons are provided. No notifications are sent before actions. No actions are taken after promises.

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

CITIBANK, N.A.

VA

22102

Consent provided

Web

2017-11-02

Closed with explanation

Yes

2022-10-04

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

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

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

Experian Information Solutions Inc.

GA

303XX

Consent provided

Web

2022-10-04

Closed with explanation

Yes

2020-06-22

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

Card company isn't resolving a dispute about a purchase or transfer

Direct express/coamerica is where I get my social security benefits and has a contract with the federal government. They are not only completely unprofessional they are operating illegally. I submitted a dispute back in XXXX and followed all the proper procedures as outlined in their online process explanation. One excuse after another they done nothing but push the date up of when the dispute was received by them. Over 90 days later and no resolution to the dispute or no credit has been issued to my card. They have been taking money off my card and no sending the payment to the businesses. This has resulted in me being taken to court by several businesses and facing tons of fines for late fees, disconnect and reconnect fees which quadruples the amount of the dispute. Ive since lost my card and unable to get through to a single person for several months to get the card cancelled and to get the money reimbursed to me. Each time I call I get hung up on and then transferred to the the survey. Also several places have issued me refunds to the card and they have never put a refund back to my card for any of these refunds. I am not able to communicate with this company at all and they have no desire to follow any laws. Im not only requesting them to be responsible for all the charges Ive faced for their unlawful activities Im asking they lose their government contract as they dont know how to follow your policies and companies that break federal laws arent allowed to hold government contracts

Comerica

IA

52403

Servicemember

Consent provided

Web

2020-06-22

Closed with monetary relief

Yes

2023-06-16

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have attached a FTC report with fraudulent unauthorized inquiries

EQUIFAX, INC.

FL

33461

Consent provided

Web

2023-06-16

Closed with explanation

Yes

2022-02-18

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

Received a letter in the mail from XXXX XXXX XXXX XXXX. It says I owe {$910.00} It says the creditor is Paypal. It gave some long weird acct number This is definitely false. The address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone number is XXXX

Paypal Holdings, Inc

FL

349XX

Consent provided

Web

2022-02-18

Closed with non-monetary relief

Yes

2020-10-16

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

Credit reporting

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

Was not notified of investigation status or results

I am beyond furious and I pray to XXXX that you can help get this letter to the bureau. I've sent numerous letters and was never notified of the results. The dates are XXXX and XX/XX/2020. Unfortunately, it's been over 60 days and I'm pretty positive that this violates my consumer rights!!! CFPB Please help with this issue!!!! I have the FTC following responses closely.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

37207

Consent provided

Web

2020-10-16

Closed with explanation

Yes

2023-05-29

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

Credit reporting

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

Investigation took more than 30 days

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 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, XXXX and Transunion 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.

FL

34476

Consent provided

Web

2023-05-29

Closed with non-monetary relief

Yes

2021-07-28

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

Credit reporting

Credit monitoring or identity theft protection services

Billing dispute for services

I am XXXX XXXX XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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

HCFS Health Care Financial Services, Inc.

NJ

XXXXX

Consent provided

Web

2021-07-28

Closed with explanation

Yes

2021-10-03

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

Credit reporting

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

Their investigation did not fix an error on your report

The company is reporting this account inaccurately and incorrectly, I have reached out to the company several times already but have not responded and resolved it. XXXX has removed this account due to inaccuracies and incorrect reporting however it is still being reported in XXXX & XXXX which is severely affecting my scores.

AMERICAN EXPRESS COMPANY

GA

30094

Consent provided

Web

2021-10-03

Closed with explanation

Yes

2020-01-30

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2020CMRE Financial Services Inc. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To Whom It May Concern : I was recently contacted via phone ( an initial contact ) by a member of CMRE Financial Services Inc. who was incredibly rude and short with me on the phone. It was only after answering the call and my confirming my name and identity with her that I asked if she would now do the same for me. She would not ; refusing to identify herself, not by name or by ID number, wouldnt give me any explanation as to who she was or why she was asking me for my personal information ( shed asked for my name, address and telephone number ) but couldnt understand why I wouldnt give her the information, even after I explained ( and in a calm tone ) that with all due consideration, she had contacted me, and without her giving me any information as to who she was, I wasnt just going to offer up to a complete stranger and over the phone, after she had called me, and from a number that I didnt recognize or know. XXXX then became belligerent and told me to call back at the number on my telephone when you do want to give it ( my information ) to me and she then hung up on me. Her attitude and tone was Rude. Abusive. Unprofessional. Most importantly she was totally out of line as her actions are entirely undeserved and unnecessary I do not know who XXXX XXXX XXXX XXXX. is. Nor, do I believe I have EVER had any services done by them. NEVER. I would have told her that on the phone directly had she bothered to provide me with any information as to who she was calling from and what she was calling about. It wasnt until the following day that I received your letter in the mail that outlined this supposed debt I allegedly owed first to XX/XX/XXXX XXXX. and now that theyd transferred the debt for collection, I owed the debt to CMRE Financial Services Inc. - again, both are companies I have never heard of nor have I been contacted by previously. The debt to which you make reference to is one that I do not recognize, do not believe that I owe neither do I owe it to them or to you. Please check your records, let me know your findings, but in the future, when necessary for you to contact me do so only via USPS mail. Sincerely, XXXX XXXX cc CFPB

CMRE Financial Services, Inc.

CA

90046

Consent provided

Web

2020-01-30

Closed with explanation

Yes

2022-04-25

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

Date : XX/XX/2022 Company : XXXX - XXXX Company Phone Number : XXXX I XXXX XXXX XXXX Paid A Settlement Amount Of {$280.00} ( Confirmation # XXXX ) For A Collection Account To Be Removed And Was Told In 21 Business Days The Account Will Be Removed From All Credit Bureau Reports/Account .

Commonwealth Financial Systems, Inc.

FL

337XX

Consent provided

Web

2022-04-25

Closed with explanation

Yes

2017-12-18

Debt collection

Payday loan debt

Threatened to contact someone or share information improperly

Contacted your employer

The XXXX XXXX XXXX called my job multiple times speaking to multiple employees including the owner of the company stating they were going to serve me with legal documents for a garnishment. I called back asked them to never call my job again but the lady named XXXX XXXX said she did not have to. That they were coming for me. I told her any documents they need to serve me with can be served to my home she told me to she was not serving to my home. She was only going to serve to my job. She stated she did not have to stop calling me and I advised her per the FDCPA she did and she said no she just wanted to make sure I was at work and hung up on me. On a voice mail she left for me she stated that I could be arrested at my job. She stated she spoke to my supervisor which is untrue because I report directly to the owner of the company and he is out of town. This is very unprofessional and embarrassing to say the least. She would n't even tell me what the paperwork is related to. I would have resolved on the spot but she hung up. I have a feeling it is related to an XXXX XXXX payday loan.

Main Street Personal Finance

AL

366XX

Consent provided

Web

2017-12-18

Closed with explanation

Yes

2022-07-13

Checking or savings account

Savings account

Managing an account

Banking errors

I opened an online savings with CitiBank on XX/XX/2022. They had a promotional to earn XXXX XXXX {$300.00} promotional cash bonus. If you put in $ XXXX, you get {$100.00}. $ XXXX you get {$200.00}, $ XXXX you get {$300.00}. I put in $ XXXX an entered the bonus code. I went online to Citibank customer service/Chat feature the end of XXXX to check on the status of my bonus. I was assured that he could see the promotion bonus code and that I should rest assured I would get my bonus soon. As of XX/XX/2022, I still do not have my {$300.00} bonus. I went online again today, XX/XX/2022 and chatted with Citibank. They now say that I did not open the correct type of savings and I will not be receiving my {$300.00} bonus as they promised. They agreed they could see the last chat where I was assured I would receive my bonus.

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

CITIBANK, N.A.

NC

27284

Servicemember

Consent provided

Web

2022-07-13

Closed with explanation

Yes

2017-06-05

Debt collection

Medical debt

False statements or representation

Impersonated attorney, law enforcement, or government official

There is are XXXX items on my XXXX report from Overton, Russell, Doerr and Donovan, LLC in the amounts of {$180.0 0}, {$180.00}, {$150.00}. This company is not bonded to collect debt in the state of TX

Company believes it acted appropriately as authorized by contract or law

Overton, Russell, Doerr and Donovan, LLP

TX

75067

Consent provided

Web

2017-06-13

Closed with non-monetary relief

Yes

2022-03-09

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

Other personal consumer report

Incorrect information on your report

Information belongs to someone else

Im upset chexsystems has cause may a lot of emotional and financial damage. They are reporting in accuracy information, which has caused me to get denied an opportunity to open a checkings account. Chexsystem has no contract with me to display this inaccurate information. They are showing two accounts that i was a victim of identity theft. I have a FTC report to prove this information.

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

Fidelity National Information Services, Inc. (FNIS)

CA

902XX

Consent provided

Web

2022-03-09

Closed with explanation

Yes

2022-11-18

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

My privacy has been breached as well as a consumer with a similar or same name as mine. Several inaccuracies appear on my credit report and have not yet been deleted ..Per the fair credit act statute 602 no credit reporting agency had the right to report anything about me without written consent. This must consist of several factors 1.validation of the debt by actual accounting 2.verification of each creditors claim against me .a signed invoice must be enclosed 3. A copy of the contract binding both parties ( myself and them ) in the form of a certified mail So that there is an independent witness to the delivery The wet ink signature of both parties ( which can not happen by a soulless legal fiction. Full disclosure..I was not told that I was creating the credit with my wet ink signature..therefore no third parties can collect or sign a contract on their behalf..The erroneous individual and merging of information with a person with the same or similar name is illegal and all on my report must be deleted. I received this fr Experian on XX/XX/2022. From : " Experian '' XXXX To : " XXXX XXXX '' XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ^_Experian^_ XXXX XXXX XXXX XXXX Experian XXXX XXXX The results of the processing of your dispute ( s ) are now available. View the results instantly online. For your protection, the results will be available online for 30 days. Your Report Number is : XXXX Your Investigation ID is : XXXX Get Results Is your email address on the XXXX XXXX? Find out now. PLEASE DO NOT REPLY TO THIS MESSAGE This notice is systemically generated, and we can not receive responses. Experian and the Experian marks used herein are trademarks or registered trademarks of Experian Information Solutions , Inc. Other product and company names mentioned herein are the property of their respective owners. Privacy Policy Contact Us Please delete everything on my consumer credit report that does not follow this law and proof that I lawfully owe must be deleted immediately..These errors have caused me great harm and have decrease my quality of life .Attached herein is a copy of all three credit report responses from Experian XXXX and XXXXif all information is not deleted I will be forced to exercise and enforce my civil and constitutional rights in a court of law with the minimum suit for each entry entitling me financial reimbursement from these agencies who are themselves fictitious in nature.. Furthermore my information appears on the dark web and my information has been merged with an entity /person with the same name as. Mine. All copies attached herein Experian dispute report number XXXX XXXX XXXX submitted on XX/XX/2022 at XXXX XXXX These agencies continue to harass me repeatedly requesting verification by me not the creditor or entity that supposedly reported the inaccuracies to them after the have infringed ony privacy and constitutional rights. Please insist that every entry be deleted regardless of it's content based on the above laws that were not followed on their behalf.. There have been no changes to these inaccurate entries and none have been deleted to date..

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

Experian Information Solutions Inc.

FL

322XX

Consent provided

Web

2022-11-18

Closed with explanation

Yes

2019-05-07

Credit card or prepaid card

Store credit card

Fees or interest

Unexpected increase in interest rate

When XXXX went out of business and consumers had credit cards issued through XXXX XXXX we were not offered the ability to have the interest rates lowered. As this company is no longer in business, and consumers are no longer able to utilize the credit card I had asked to have my interest rate reduced. I received the following information on XX/XX/2019 : If XXXX XXXX does offer a lower APR, to be eligible, an account must : Be active Have a regular purchase pattern Receive payments on time each month Meet the minimum available credit criteria At this time, your account does not qualify for a lower APR, due to not meeting one or more of these requirements. There are several problems with their response : Be Active : account was until XXXX went out of business Have a regular purchase pattern : there was, but not now, as business is closed Receive payment on time each month : In the years I had the card, late maybe twice So, basically because the business is no longer functioning the consumer is unable to get a reduction in interest rate. I think this is abhorrent and once a company goes out of business interest rates should be reduced as the consumer no longer received service from the company.

Bread Financial Holdings, Inc.

NY

13905

Consent provided

Web

2019-05-07

Closed with explanation

Yes

2023-04-24

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have reached out to Transunion on several occasions regarding a lot of unknown credit inquires I have requested that these items be looked into thoroughly and Transunion has failed to complete a investigation. Listed below are the items below that i do not recognize and therefor were not authorized by myself or anyone representing me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

XXXXX

Servicemember

Consent provided

Web

2023-04-24

Closed with explanation

Yes

2021-05-17

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Need information about your loan balance or loan terms

I have been in the public service loan forgiveness program since graduating from graduate school in XXXX. I've qualified 120 payments under the conditions of the program and sent in an application for forgiveness in dated XX/XX/XXXX. I contacted the federal student loan ombundsman in XX/XX/XXXX and was again told that I had 120 payments that were qualifying but that the application was " still in process '' with no clear idea of how long to expect that process to take. As of today the application has been in process for more than 4 months and would appreciate a timeline as to when this might be under review or at least clearer information regarding this.

AES/PHEAA

NY

14618

Consent provided

Web

2021-05-17

Closed with explanation

Yes

2023-09-04

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this message finds you well. I am writing to express my deep concern and frustration regarding the ongoing violations of my consumer rights, as detailed below. I implore you to help enforce the laws designed to protect consumers like me from inaccurate and damaging credit reporting practices. **Violation 1 - FCRA Section 1681s-2 ( a ) ** : **Creditor** : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was shocked to discover an account listed under the name of XXXX XXXX XXXX on my credit report XXXX To my bewilderment, I can not recognize this business or recall any association with them. This mysterious account has had a profound impact on my life. The uncertainty surrounding its origin has left me feeling helpless and anxious. It has affected my ability to secure loans and housing, and I live with a constant fear of financial repercussions. **Violation 2 - FCRA Section 1681s-2 ( b ) ** : **Creditor** : XXXX XXXX XXXX : XXXX XXXX account listed under XXXX is riddled with discrepancies, from XXXX account name to the account number. These inconsistencies have thrown my financial world into disarray. The confusion and uncertainty have led to sleepless nights, as I struggle to understand why this account remains on my credit report. It has hindered my efforts to rebuild my financial stability and move forward with my life. **Violation XXXX - FCRA Section 1681i** : **Creditor** : XXXX | XX/XX/XXXX The unauthorized credit pull by XXXX on XX/XX/XXXX, has been a source of immense frustration and distress. I have no recollection of authorizing this inquiry, and it has left me feeling violated and powerless. This single event has had a cascading effect on my creditworthiness, making it increasingly challenging for me to access credit when needed for essential life expenses. **Violation 4 - FCRA Section 1681s-2 ( a ) ** : **Creditor** : XXXX XXXX XXXX XXXXAccount Number** : 6066 The inaccuracies in the reporting of this XXXX XXXX XXXX account have had severe repercussions. To the best of my knowledge, this account has never been paid late. The erroneous information is devastating my credit score and, consequently, my financial prospects. It feels like an unwarranted punishment for an error that is not of my making. **Violation 5 - FCRA Section 1681i** : **Creditor** : DISCOXXXX XXXX XXXX | XX/XX/XXXX Similar to the XXXX inquiry, the unauthorized credit pull by XXXXXXXX XXXX XXXX on XX/XX/XXXX, has raised serious concerns. I have no recollection of granting permission for this inquiry, and its presence on my credit report has had a detrimental impact on my financial standing. These violations have taken a toll on my emotional well-being. The constant battle to correct these inaccuracies has left me emotionally drained, anxious, and fearful of my financial future. It has strained my relationships and affected my mental health. In light of these violations and the emotional distress they have caused, I earnestly request the following actions : 1. Immediate and thorough investigation into the validity of the mentioned accounts. 2. Verification and validation of the accuracy of all reported information. 3. Removal of these unverified accounts from my credit report in accordance with the FCRA. I implore the Consumer Financial Protection Bureau to use its authority to ensure that my rights as a consumer are upheld and that the laws designed to protect consumers like me are enforced rigorously. Thank you for your prompt attention to this matter. I look forward to a swift resolution that will allow me to regain control of my financial life and start the process of healing from the emotional distress caused by these credit reporting violations. Sincerely, XXXX XXXX

EQUIFAX, INC.

AZ

85033

Consent provided

Web

2023-09-04

In progress

Yes

2023-01-31

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

EQUIFAX, INC.

MI

48214

Consent provided

Web

2023-01-31

Closed with explanation

Yes

2018-02-01

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

Credit reporting

Credit monitoring or identity theft protection services

Billing dispute for services

I have had MULTIPLE issues since last year with consistently monitoring my utility bill statements from seemlngly multiple payments on the same accounts, receiving bills that were inconsistent with the last amount, making payments that I know I have already made, someone changing my security code on a billing statement & making unauthorized changes to my account resulting in higher bills or possibly even opening multiple accounts that I knew nothing about. I have been blocked from receiving phone service because someone else was using my identity to enjoy the phone service that I did not authorize in addition to loosing my phone # that I had for years to this situation after they disconnected my phone & told me their was a conflict of interest in the address being used. I have just confirmed on yesterday after months & months of trying to track proof down while visiting the bank almost bi-wkly ( causing me to loose work time & very inconveniencing ) trying to figure out what's happening to my money that I KNOW I BUDGET WELL HOWEVER, someone knows how to cover their tracks really well, with making transfers & using my card # to consistently making purchases. I have made multiple attempts to do lost/transfers to my accounts to try & stop the inconsistencies but before I know it, the same thing happens again on the new account. It has cost me to feel like I am about to go crazy as I constantly feel violated & have pushed close people away from me as it's hard trusting anyone now because I felt like someone close to me had my information using it when turns out equifax has breached contracts & allowed public information to be exposed so now I don't know who's robbing me & violating me. I've had to pay for a XXXX XXXX for my mail as I feel unsafe getting it comfortably at my home address thinking someone was getting my mail out & getting my information. In addition, my emails had been violated as well so I'm afraid to send personal information ( as I feel they are being either rerouted or viewed ), make payments online or even use my personal telephone to handle bills or personal issues as I feel like my phone, email accounts are being monitored & violated which is also VERY INCONVENIENCING to have to take additional time to go to a library, or use a neighbors phone to do things I can do in the comfort of my own home or with services that I pay for. I am a business person so I can't change certain things like email, business phone number, etc as I have things established long term. This is really unhealthy for anyone 's state of mind as you are trying to live a day to day life & also make time to play detective to figure out what the XXXX is going on with your money that you KNOW you didn't spend & trying to prove to a bill collector that you didn't authorize a change, or that it is YOU, when someone has the same information you have to put up the same argument as if they are you! I am attaching a police report of proof of someone else using my info to get a phone account that is currently still open since XX/XX/2017 in my name.

EQUIFAX, INC.

NC

XXXXX

Consent provided

Web

2018-02-01

Closed with explanation

Yes

2017-12-12

Debt collection

Other debt

Communication tactics

Used obscene, profane, or other abusive language

On XXXX XXXX I opened a complaint XXXX with regard to Pro Collections and the original creditor XXXX XXXX Apartments ( see complaint for detail ). That same day I received the companies response " We will request the proof of the debt and mail to the consumer. The consumer can contact our office at toll free XXXX my extension is XXXX XXXX XXXX for additional assistance in this matter Thank you for your time and patience in this matter '' I called XXXX XXXX on XXXX XXXX for additional assistance as per her response to CFPB. When I explained the situation she lashed out and told me she is a bill collector, and not a customer service rep. She then proceeded to berate me, and told me that I needed to have my proof to her by XXXX XXXX. I told her I did not understand what she needed, and what and where should I send it to. I was very confused because per her response to CFPB,, I thought she was going to get information from the creditor. She continued to speak in a threatening tone throughout our conversation. At that time I asked to speak to her supervisor. She told me his name was XXXX XXXX and she had no intention of transferring me to him. I asked her why she would respond to the CFPB with one response, and give me a completely different one. She then hung up. I know this call was recorded, and I can not believe that even a " bill collector '' would talk to someone the way she spoke to me. I see that there are numerous complaints on the CFPB board about Pro Collections. I feel that they are threatening, dishonest and abusive. I am filing this complaint about XXXX XXXX and Pro Collections.

ProCollect, Inc.

MD

XXXXX

Consent provided

Web

2017-12-12

Closed with explanation

Yes

2022-10-14

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33157

Consent provided

Web

2022-10-14

Closed with non-monetary relief

Yes

2021-11-11

Student loan

Federal student loan servicing

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

Their investigation did not fix an error on your report

Navient has listed an account on my consumer credit report. Navient is providing false, misleading and deceptive information to credit reporting agencies. Navient has failed to provide a full file disclosure. Navient did not provide an original contract from the original creditor with my wet signature.

Navient Solutions, LLC.

CA

90302

Consent provided

Web

2021-11-11

Closed with explanation

Yes

2020-04-09

Checking or savings account

Checking account

Closing an account

Company closed your account

On XXXX XXXX Wells Fargo contacted me via email to ask me if i wanted to keep my Business checking account open that had a {$300.00} + balance, and was opened in XXXX for XXXX XXXX XXXX a XXXX and continues to operate today. That account at various times had used a credit line that I personally guaranteed. During and after the XXXX Housing crash ( XXXX ) handled several hundred Wells Fargo Customers that became Clients of ours to help them avoid Foreclosure, At that time Wells Fargo claimed it supported Housing Counseling Agencies and implied it promised to give Grants to Agencies like mine which it never did, The only Grant they gave was to a XXXX XXXX XXXX named the XXXX because they sat on their Board. We were not members of the XXXX and never got any Grant Money from Wells Fargo. During that time we used the credit line which I increased to $ XXXX to meet payroll and other operating expenses. When I foungd out ( WF ) had no intentions of helping ( XXXX ) with a Grant I realized I could not pay the $ XXXX to them due to crashing revenue drops. I reached out to ( WF ) in XXXX asking them to forgive the note because we used the money for their benefit they refused holding me to the terms as agreed. Later in XXXX the account was placed in loss mitigation and we began to negotiate a reduced balance settlement we mutually agreed to settle the note for $ XXXX. I paid as agreed that amount to the Bank on time out of my personal checking account. On XX/XX/XXXX I got an email from ( WF ) asking me if I wanted to keep the account open due to low activity. I emailed back Yes! because it was still active! Then came the Pandemic, on XX/XX/XXXX the Bank sent me a email telling me they closed the account ending in XXXX! I tried to call the office and was switched to their XXXX # call center and told the account could not be reopened once it was closed.The local Bank Branches were closed and to make matters worse I got stuck in XXXX XXXX Florida which also had most Branches closed. The Business is in XXXX XXXX Pa. When I finally got a call from loan Mitigation department they told me the representative that handled the settlement retired, and that a new person told me because it was in the loss mitigation department they decided to close that account tied to our EIN # even though that was not the account I paid the $ XXXX back from which was my personal account. A week before the Fed reserve announced the PPP Program, and in order to participate you needed to have a checking account set up prior to XX/XX/XXXX, so we could not apply for a new account and use it to apply for the PPP! The WF acted in a vicious and vindictive way when they closed the Business Account knowing full well it would prevent XXXX from applying for PPP, and in doing so hurt our Agency and will probably cause it to close. WF always hated Housing Counseling Agencies and although we handled customers from other Banks WF was the most difficult hateful Bank. I would like this matter investigated and in the end have XXXX made financially whole by WF. If I have to Litigate this mess I will reach out to the hundreds of WF and XXXX Clients asking them for descriptions of their WF experience relative to the Foreclosure crisis to confirm their poor treatment. It is clear WF is a vindictive evil empire that should be dismantled. No Bank should be allowed to operate the way they do.. Lastly I heard a WF advertisement Stating it want to help Small Businesses succeed with helping them with the PPP!

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

WELLS FARGO & COMPANY

PA

19053

Older American

Consent provided

Web

2020-04-09

Closed with explanation

Yes

2023-08-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/ XXXX XXXX XXXX

EQUIFAX, INC.

GA

319XX

Consent provided

Web

2023-08-18

Closed with non-monetary relief

Yes

2023-02-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX 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 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

EQUIFAX, INC.

VA

23693

Consent provided

Web

2023-02-02

Closed with explanation

Yes

2018-05-29

Student loan

Private student loan

Struggling to repay your loan

Can't get other flexible options for repaying your loan

I would like to find out who owns my student loan. I was in negotiations with XXXX XXXX of XXXX XXXX XXXX law firm representing XXXX XXXX XXXX XXXX XXXX to settle for a percentage of my debt in a one time payoff amount in the spring of XX/XX/XXXX. During that time, unknown to me, my mother filed bankruptcy. As of XX/XX/XXXX I was informed that they were no longer allowed to talk to me in order to resolve my debt. I have had my mother 's bankruptcy lawyer send over multiple times a Relief of Bankruptcy Stay in order to get someone to talk to me regarding the payoff for my student loans. As of XX/XX/XXXX I was able to get in touch with a helpful and attentive associate named XXXX XXXX now claiming to be with XXXX XXXX XXXX as the owner of my debt. Verbally she agreed to my payoff offer of 35 % of the total debt if I can get a Relief of Bankruptcy Stay. Upon consultation with the Bankruptcy Lawyer, XXXX XXXX XXXX. I was informed to request proof of ownership of the debt and a notarized agreement for the aforementioned settlement amount. When I emailed over these requests, I have heard nothing. This debt is keeping me from moving on with my life and I would like to find out who owns it so that I can negotiate a payoff.

TRANSWORLD SYSTEMS INC

SC

29455

Consent provided

Web

2018-05-29

Closed with explanation

Yes

2017-06-12

Checking or savings account

Checking account

Managing an account

Problem accessing account

TCF Bank takes too long to send my account info to third party companies like XXXX XXXX that are trying to help people without credit avoid overdraft fees and predatory payday loans.

Company believes it acted appropriately as authorized by contract or law

TCF NATIONAL BANK

AZ

85204

Consent provided

Web

2017-06-12

Closed with explanation

Yes

2021-03-17

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

Experian continues to manipulate my credit rating. On XX/XX/2021, my XXXX XXXX was " XXXX '' although I have an " Excellent '' credit rating with my creditors. My credit rating decreased by XXXX points on XX/XX/2021, and changed from " Exceptional '' to " Very Good '' for no apparent reason. Experian continues this pattern for no apparent reason.

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

Experian Information Solutions Inc.

NC

28212

Consent provided

Web

2021-03-17

Closed with explanation

Yes

2022-05-13

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 following accounts have violated my rights. - XXXX XXXX XXXX account # XXXX -XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX account XXXX XXXX -XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Experian Information Solutions Inc.

AL

36575

Servicemember

Consent provided

Web

2022-05-14

Closed with explanation

Yes

2021-10-27

Debt collection

I do not know

Communication tactics

You told them to stop contacting you, but they keep trying

I just got this new phone number last week when I upgraded to the new XXXX. Whoever had the number before either owes truist money or something but they call SEVERAL times a day and have been told twice to not contact me again and are still doing so. I have screenshots of all voicemails, missed calls, and placed calls to ask them to stop. I will take legal action against the sorry excuse for a company if they dont stop.

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

TRUIST FINANCIAL CORPORATION

TN

38501

Consent provided

Web

2021-10-27

Closed with non-monetary relief

Yes

2019-03-26

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - partial account numbers : XXXX ; XXXX and XXXX. ( Please see page 5 of the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. XXXX and Experian are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX ( Please see page 10 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 16 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.

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

Experian Information Solutions Inc.

MS

38654

Consent provided

Web

2019-03-26

Closed with non-monetary relief

Yes

2020-05-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently tried to rent an apartment and got declined due to someone using my name and information! The following accounts are fraudulent : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have filed a report with the XXXX Police Dept and a complaint with the CFPB. This is really stressful and annoying I can't figure out what else needs to be done.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

43219

Consent provided

Web

2020-05-01

Closed with explanation

Yes

2023-05-07

Credit card or prepaid card

Store credit card

Trouble using your card

Can't use card to make purchases

I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score.

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

SYNCHRONY FINANCIAL

OH

452XX

Consent provided

Web

2023-05-07

Closed with explanation

Yes

2022-05-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The accordance with Fair Credit Reporting act these accounts has violated my rights. XXXX XXXX XXXX Account # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX U.S. Bankruptcy Court Reference # XXXX 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. 15 U.S.C. 1681 Section 604 A section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Experian Information Solutions Inc.

GA

30350

Consent provided

Web

2022-05-13

Closed with non-monetary relief

Yes

2019-09-22

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

On XX/XX/2019 I sent a consumer dispute to all 3 major credit bureaus requesting section 609 They failed to positively verify the accounts that are hurting 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, they must remove the accounts. They never sent me proof and continue to report theses adverse accounts. I followed up after no action on XX/XX/2019 and requested for verification and that never happened. The accounts are still reporting and no answer to why.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91304

Consent provided

Web

2019-09-22

Closed with explanation

Yes

2021-03-30

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

Other personal consumer report

Improper use of your report

Reporting company used your report improperly

I recieved a response letter from SAGESTREAM that stated that they will not grant my request to OPT-OUT of their services. I have asked in written notice in accordance with the law ( 15 U.S.C 6801 ) for SageStream to : 1. CEASE & DESIST collecting, selling and sharing my personal information and providing my information to third party affilliates.-SageStream refused 2. I have chosen to OPT-OUT of their information selling and sharing platform-SageStream refused 3. Provide me with a complete printed copy of their collection on my personal information-SageStream refused. As a consumer my rights in regards to the sharing and selling of my information continue to be violated by this company. I DO NOT CONSENT to the collection, selling, and sharing of my personal information by SageStream or any of its third party affiliates. As the consumer, you can only share information that I allow you to with my consent. At this time Sagestream is in direct violation of my rights as a federally protected consumer under title 15 chapter 41.

ID Analytics, Inc.

TX

75013

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2021-12-11

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

Consumer Portfolio Services IncXXXX XXXX XXXX XXXX XXXX CA XXXX They are only accepting one method of payment from me. I just received this car back after they repossessed it at the end of XXXX. I finally got it back after fighting for a VALID method to pay them in order to get the car back only to be told after receiving the car back that I'm past due for XXXX. I JUST received a bill in the mail that says it was due XXXX XXXX ON XX/XX/XXXX. Their website and automated phone system will only accept a payment method of a debit card. The other options consistently do not work. And as for the balance. I've had this loan for OVER A YEAR and somehow I've accumulated a balance and have only paid {$200.00} towards the principle or so the payment history explains YET MY BALANCE TODAY IS HIGHER THAN WHEN I PURCHASED THE VEHICLE OVER A YEAR AGO. THIS HAS TO BE A SCAM. I NEED TO MAKE A PAYMENT BUT THEY ARE MAKING IT EXTREMELY DIFFICULT. THEYVE ALREADY BEEN TOLD TO STOP CALLING MULTIPLE TIMES A DAY, NEARLY EVERY DAY OF THE WEEK BEFORE THEY REPOSSESSED THE CAR AND NOW THEY ARE MAKING IT DIFFICULT FOR ME TO PAY THEM AT ALL AND I AM NOW PAST DUE AGAIN 2 MONTHS. THIS COMPANY IS BY FAR UNFAIR TO THE CONSUMER AND IS MAKING THIS A WHOLE EXPERIENCE A LIVING XXXX.

Consumer Portfolio Services, Inc.

MA

021XX

Consent provided

Web

2021-12-11

Closed with explanation

Yes

2022-09-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

MS

386XX

Consent provided

Web

2022-09-27

Closed with explanation

Yes

2021-06-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.

Collection Bureau of the Hudson Valley, Inc.

FL

344XX

Consent provided

Web

2021-06-03

Closed with non-monetary relief

Yes

2018-01-02

Student loan

Federal student loan servicing

Struggling to repay your loan

Problem lowering your monthly payments

The student loan is with Navient. 18 months ago- in XXXX XXXX 2015 I called Navient as they pushed my payment to over {$700.00} a month which I did not have. I asked them to lower my payment as I could pay them {$500.00} a month. They refused and told me my only option is to go in forbearance until I can make the full payment. They were unwilling to help me even if I offered them money and they did not explain any alternative options to me. They only gave me one choice which was forbearance at a very high percentage interest. This is impossible to ever pay debt if they just charge interest and there is no affordable way to pay it off. After all my expenses in my household I dont even have {$700.00} in cash flow to afford to pay the loan and I dont even have a car or credit card payment. The income driven plan is overpriced and not affordable- seems like it is meant to make customers go in forabaramce so they can collect interest. They dont give consumers any other options.

Navient Solutions, LLC.

TX

75006

Consent provided

Web

2018-01-02

Closed with explanation

Yes

2020-08-31

Debt collection

Credit card debt

Threatened to contact someone or share information improperly

Contacted your employer

I have previously told Cherrington firm that i can not accept calls until after i am off work. I missed a payment for the case they bought for a debt i do owe, and i'm well aware i owe it. Between COVID impacting our finances and stuff, and for them to call my workplace is not okay.

Company believes the complaint provided an opportunity to answer consumer's questions

The Cherrington Firm PLLC

UT

84118

Consent provided

Web

2020-08-31

Closed with explanation

Yes

2021-07-16

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

EQUIFAX, INC.

VA

23223

Consent provided

Web

2021-07-16

Closed with explanation

Yes

2019-06-15

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

Hi, I ask the help of CFPB with the above creditor. TransUnion and XXXX have stated that this account is accurate, yet both bureaus have not provided me anything. I have even sent a letter for VALIDATION First letter was sent out on XX/XX/2019 Second attempt has been sent at the beginning of XXXX, both letters I have sent and all I receive from the company are statement trying to collect a debt ( not mine ) these statements do not show anything and are not documents accepted as validation, so how is it that XXXX and TransUnion are validating this account. I believe the bureaus are NOT validating anything and not properly investigating. TransUnion and XXXX have closed my dispute and will no longer investigate ; therefore, I ask the help of cfpb to oversee what is going on. I request XXXX XXXX to remove both accounts from each credit files at once. Since they have failed to provide me with requested information. The FCRA requires you to verify the validity of the item within 30 days. I been disputing these accounts since XXXX days later, way pass 30 days. Enclose are copies of validation letters sent to creditor and bureau, receipt of certified mail and return receipt as well, creditor constant statement to pay a debt not belonging to me. XXXX To who it may concern, I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. If you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.I look forward to an uneventful resolution of this matter. Sincerely, XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33322

Consent provided

Web

2019-06-15

Closed with explanation

Yes

2022-01-22

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

Credit reporting

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

Their investigation did not fix an error on your report

I am filing this complaint against XXXX XXXX XXXX. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached. ) XXXX XXXX lending claims that we missed a payment on XX/XX/2020 in this letter. This was false since the servicer at the time was XXXX XXXX and the letter attached shows that they never reported a missed payment for XX/XX/2020 or any other dates as I was never late.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

UT

84097

Consent provided

Web

2022-01-22

Closed with non-monetary relief

Yes

2022-10-31

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021

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

Experian Information Solutions Inc.

FL

33907

Consent provided

Web

2022-10-31

Closed with explanation

Yes

2018-08-25

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

on XX/XX/XXXX I advised the rep thru online chat I needed to file a dispute. It was from XXXX XXXX. He said he filed the dispute and gave me Ref # XXXX. I went online today and was going to payment another payment on my account and seen the balance was still the same. I spoke to XXXX thru online chat and he said a dispute was never done. gave him the ref # that I was given and he said it would not start like that. He pulled the charge up and said I would need to call the security team. The late payment saying I was 30 days late also needs to be removed from the credit bureaus since XXXX never mailed me my statements. I have sent them a copy of the online chat from the XXXX saying it would be removed. I was told from that person and was also told from XXXX which is a supervisor saying it would be removed that it was a banking error. I'm sorry that I even took there credit card. Once this is done I will NEVER do business with XXXX AGAIN. When you call this company and speak to different people you get different answers to your questions.

EQUIFAX, INC.

NC

270XX

Consent provided

Web

2018-08-25

Closed with explanation

Yes

2023-01-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's 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. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

EQUIFAX, INC.

TX

75035

Consent provided

Web

2023-01-27

Closed with explanation

Yes

2022-02-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are numerous inquiry on my report that are fraudulent. Here 's a list of fraudulent inquiries : XXXXXXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XXXX XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX - date as of XX/XX/XXXX XXXX XXXX - date as of XX/XX/XXXX XXXX

CBC Companies, Inc.

NY

10469

Consent provided

Web

2022-02-22

Closed with explanation

Yes

2022-01-23

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75082

Consent provided

Web

2022-01-23

Closed with non-monetary relief

Yes

2016-06-17

Debt collection

Credit card

Taking/threatening an illegal action

Threatened to sue on too old debt

Portfolio Recovery Associates continues to try and collect on a debt ( ostensibly XXXX XXXX ) that is time-barred by at least ten years. It has refused to provide validation/verification of debt despite oral and written requests from me over a period of years. The most recent request was during a phone call at XXXX on XXXX XXXX, 2016. Portfolio telephone number made from ( XXXX ) XXXX. Portfolio action includes multiple calls to my cell phone without my consent

PORTFOLIO RECOVERY ASSOCIATES INC

GA

30274

Older American

Consent provided

Web

2016-06-17

Closed with explanation

Yes

Yes

2023-08-25

Credit card

General-purpose credit card or charge card

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

Experian Information Solutions Inc.

WI

53705

Consent provided

Web

2023-08-25

In progress

Yes

2023-08-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

EXPERIAN CREDIT BUREAU. I am writing to dispute information on my credit report that I believe is inaccurate. Pursuant to Section 605A of the 15 U.S Code 1681C-1, I am entitled to a fair and accurate credit report. However, after reviewing my credit report, I have identified the following errors : Account name XXXX XXXX XXXX Account number XXXX Recent balance {$390.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$390.00} past due as of XX/XX/XXXX. Account name XXXX XXXX XXXX Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$210.00} past due as of XX/XX/XXXX. Account name XXXX XXXX XXXX Account number XXXX .... Recent balance {$490.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off. {$490.00} written off. {$490.00} past due as of XX/XX/XXXX. Account name XXXX XXXX XXXX Account number XXXX .... Recent balance {$22.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$22.00} written off. {$12.00} past due as of XX/XX/XXXX. Account name XXXX XXXX Account number XXXX .... Recent balance {$450.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$450.00} past due as of XX/XX/XXXX. Account name XXXX XXXX Account number XXXX .... Recent balance {$660.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$660.00} past due as of XX/XX/XXXX. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$1100.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account {$1100.00} past due as of XX/XX/XXXX. These errors are negatively impacting my credit score and ability to obtain credit on fair terms. I request that you investigate these inaccuracies and correct them promptly. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide me with a free copy of my credit report. Additionally, I request that you provide me with a written explanation of the actions you have taken to investigate and correct these errors. Please note that under Section 611 of the FCRA, you have 30 days from receipt of this dispute letter to investigate and respond to my dispute. If you are unable to complete the investigation within 30 days, please inform me of the delay and provide an estimated timeline for completion. Furthermore, under Section 605A of the FCRA, I request that you notify all other credit reporting agencies of my dispute and provide them with a copy of this letter. Thank you for your attention to this matter. Sincerely yours, XXXX XXXX XXXX

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

Experian Information Solutions Inc.

OR

97015

Consent provided

Web

2023-08-19

Closed with explanation

Yes

2022-07-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28390

Servicemember

Consent provided

Web

2022-07-01

Closed with non-monetary relief

Yes

2020-01-23

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

Credit reporting

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

Their investigation did not fix an error on your report

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and is in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX nor XXXX nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. In pursuant to Title 31 U.S.C. Sec. 3123 ALL DEBTS ARE UNITED STATES OBLIGATIONS! XXXX XXXX XXXX {$18000.00} IS IN VIOLATION of federal law in attempt to collect a debt they are also violation of The false Claims Act ( FCA ), 31 USC 3729-3733

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

Experian Information Solutions Inc.

FL

34609

Servicemember

Consent provided

Web

2020-01-29

Closed with non-monetary relief

Yes

2023-02-09

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 ACCOUNT NUMBER XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 16816 and 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681 C ( 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 7 years. 15 USC 1681 S-2A1 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.

EQUIFAX, INC.

DE

199XX

Consent provided

Web

2023-02-09

Closed with explanation

Yes

2022-10-17

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

Credit reporting

Incorrect information on your report

Personal information incorrect

This is XXXX XXXX submitting yet another CFPB complaint to follow up on my request to the Credit Bureau to properly investigate and remove the disputed items from my Credit Report. The Credit Reporting Agency continued to report these items but I did not receive any proof of verification or any document for them to claim that the items are investigated and mine. If the Credit Bureaus ' investigation is really conducted at all, they should have sent me any document as proof of verification! Once again, I am a victim of identity theft. The credit bureau must delete these items in line with FCRA Section 605b. I am urging the Credit Bureaus to please CONDUCT ANOTHER INVESTIGATION AND DELETE THESE UNKNOWN ITEMS LISTED : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

CA

XXXXX

Consent provided

Web

2022-10-17

Closed with explanation

Yes

2019-01-22

Student loan

Private student loan

Dealing with your lender or servicer

Problem with customer service

I have multiple loans through Sallie Mae which I was told could be consolidated when I was ready to repay them, I was later told that was impossible when it was being demanded of me to pay XXXX XXXX dollars a month. I was unable to finish my degree at XXXX XXXX university due to being unable to pay my tuition any longer. I transferred to a XXXX college and continued to pay for school myself while working full-time and paying for all my living expenses on my own. I tried to make arrangements with Sallie Mae/Navient to pay my loans or defer them while I was in school. Needless to say I received numerous calls all hours of day, night, weekends, and even at my place of employment. I even contacted a lawyer to see if I could file harassment charges however I could not afford to do it. I was on the verge of tears every day. Here I am ten years later in more debt than you can imagine, still in school paying for it on my own, my loan is now defaulted due to Navient 's lack of willingness to work with me and my credit is forever ruined. I have written letters to everyone I could possibly think of for some kind of help, empathy, or compassion without any response. I am at my wit 's end and there is no way I can even imagine a way to pay my loans when they will not even consider lowering my payments. I was lied to the day I took out my loans and I am still being lied to now by this disgusting excuse of a company who prey on young adults trying to get ahead in life, all we end up with is debt and broken dreams.

Navient Solutions, LLC.

WI

530XX

Consent provided

Web

2019-01-22

Closed with explanation

Yes

2023-06-24

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I recently reviewed my credit report and came upon an alleged XXXX XXXX Bankruptcy reporting on my consumer credit report. This is an error and Experian has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy Court Northern District of Indiana notifying them of their potential violation of state and federal law by providing Experian with my private court records. I received information back from the XXXX Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged 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.

IN

467XX

Consent provided

Web

2023-06-24

Closed with explanation

Yes

2017-06-15

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/XXXX , I opened an account with XXXX for cellular service. After a few days, I decided that this was not a good plan for me. I closed the account and return all the equipment on XX/XX/XXXX . On XX/XX/XXXX , I received the first notice relating to this matter from McCarthy, Burgess and Wolff. I never received any communication from XXXX . After receiving that first noticed, I immediately called XXXX , spoke to XXXX # XXXX , she stated that she could not pull the records and that I would need to speak to a lawyer. She transferred me to th e Collection Agency, I spoke to XXXX ( operator ), and she then transferred me to XXXX XXXX ( XXXX ext XXXX . I explained that this should never had been sent to collections, because all the equipment was returned on XX/XX/XXXX . Furthermore, the XXXX statements have the wrong address. That is not my address, nor as it ever been. XXXX stated that she would submit a dispute on my behalf. Then, on XX/XX/XXXX I called and spoke to XXXX , she said that the dispute was never done by XXXX XXXX . She said that she would put in the dispute and that I need to wait 30 days. I asked to speak to the supervisor XXXX XXXX ext XXXX . Explained the situation, he said that he would call me back, but he never did. I called him back on XX/XX/XXXX , where I had to repeat the issue to him, he said that he needed to file the dispute again. He could not give a time frame for resolution. He was unethical and did not do what he said he would do. The bottom line is that that XXXX put me in collections unlawfully, which impacted my credit report for equipment that was returned on XX/XX/XXXX . I have attempted to resolve this matter with the collection agency and XXXX , but neither is responding accordingly. I should have never been put in collections for this matter. Furthermore, the impact on the credit report effected my ability to get business loans for my business.

Company believes it acted appropriately as authorized by contract or law

McCarthy, Burgess & Wolff, Inc.

FL

33015

Consent provided

Web

2017-06-22

Closed with explanation

Yes

2021-09-27

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I wasa incarcerated while in XXXX, NV. All my belongings were in my vehicle at the time. Someone went into my vehicle and used my debit card for a number of transactions on my account. i filed a dispute with Wells Fargo. They investigated with no communication or without asking me any follow up questions and then denied the claim. They did not ask for any paperwork showing I was incarcerated and when i asked if they needed that I was told no.

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

WELLS FARGO & COMPANY

CA

95628

Consent provided

Web

2021-09-27

Closed with explanation

Yes

2020-12-30

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I have seen a large increase in collections on my credit from THE CBE group and many of them are for the same amount. When I called the company to ask what all of these are they stated that they are XXXX collections and they were for repeated use of the same thing. I asked them for proof of the debt and they stated they would send that to me and after this same request 5 times I finally got the documentation and on that documentation there were over 2 dozen debts that were past the statute of limitations in my state yet they were still collecting on them. There were also debts for the dates that were 1-3 months apart and for the same amounts but no proof of the fact that I was the person seen on those dates. When I asked for more specific information they stated that is all they had to provide. I stated just because you say this is my debt doesn't mean that it is, I asked for proof that I was the person that owes this money, they just stated it was me. I called the company myself to try to get a hold of someone who could clarify this for me and they stated that they had no records of those dates of service. So I again questioned the CBE group and was told that I needed to pay a total of over XXXX when there is only XXXX showing on my credit report. I believe that this company has continued to renew account to report to the Credit bureaus for the sake of damaging my credit and strong arming me paying money I do not owe. I have never been sent proof that this medical debt was me, no proof of the doctors saw me, or any member of my family. The second part of this is that when I spoke to several agents they mentioned that my credit report would be hurt by me not paying the full amount of XXXX. When I was trying to buy a house I offered to pay the amount that was on my credit to get it removed and was told that I have to pay the XXXX or they would not remove a single account from the credit. I then asked if I can pay the specific accounts that are showing on my credit report even though I don't believe they are mine, they stated that now that they know I am paying the accounts XXXX by XXXX they would still not remove accounts that are paid from my credit until I paid all the debt that they say I had in their office which was the XXXX. The agent stated that he was noting this down so any agent would tell me the same thing. The CBE group is a bunch of unregulated scammers that skirt the lines and try to collect on debts they can't prove. I want all accounts from the CBE group off my credit and I want any collections that they claim to have removed from their office. I have paid thousands of dollars more in interest than I should have and have been denied several attempts to purchase a house, cars and get credit cards to attempt to build my credit up due to this company and their shady collection tactics. Thank you for you time.

The CBE Group, Inc.

UT

84020

Consent provided

Web

2020-12-30

Closed with explanation

Yes

2021-05-13

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

I paid this Debt very recently they stated to me if i pay in full they would delete from my credit filed I paid in full and now they stat they don't do that after I already paid the full ammount.

Southwest Credit Systems, L.P.

MD

21208

Consent provided

Web

2021-05-13

Closed with explanation

Yes

2019-05-30

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

Credit reporting

Incorrect information on your report

Account information incorrect

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

EQUIFAX, INC.

NY

10801

Consent provided

Web

2019-05-30

Closed with explanation

Yes

2023-06-21

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

Credit reporting

Incorrect information on your report

Account information incorrect

Good evening to whom it may concern, As of today, I have called Equifax, XXXX and XXXX several times and have sent them letters disputing violations reporting on my credit profile. I have attached the receipt when I mailed my letters and the actual letters and copy of credit report from XXXX and today. The accounts are the XXXX XXXX and XXXX reporting several inaccuracies across all three credit agencies. This is a FCRA violation, the accounts should be removed and deleted as soon as possible. The agencies have also not given me details on how these accounts was supposedly verified because they did not do an actual investigation by law as they should. On one occasion a representative form Equifax stated that my identification I sent to them was wrong. I feel as if they have tried every effort to NOT solve the issue with this account. Had they done so they would have come across the discrepancies as I have. Also, the reporting of inaccurate information is affecting my credit worthiness and my ability to secure funding for personal and business endeavors.

EQUIFAX, INC.

VA

23608

Servicemember

Consent provided

Web

2023-06-21

Closed with non-monetary relief

Yes

2020-03-11

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I rcvd an email ( XX/XX/XXXX ) showing my progress towards obtaining the sign-up bonus and it showed the bonus as being {$150.00} ; the amount should have been {$200.00} as advertised. I called Chase on XX/XX/XXXX and spoke to two different people. The supervisor asked me to sent a secure message with the screenshot I have for proof in order to get the bonus amount corrected. I sent a message with a brief overview of what occurred : " I should have received a {$200.00} bonus but was erroneously offered {$150.00}. See the screenshot to see the sign up bonus that I was offered. '' The response on XX/XX/XXXX says : " Hello XXXX, Thank you for contacting Chase requesting {$200.00} bonus offer. We value your relationship with Chase and want to ensure we address your needs as a customer. XXXX, let me share the {$200.00} sign up bonus offer is eligible for customer you applied for the card directly through Chase.com. But if you apply for the card using affiliate links or ad on other website then you're eligible for the {$150.00} sign up bonus offer. I apologize but as you did not apply for the card through the appropriate channel we are unable to match the offer. You will receive XXXX bonus points after you spend {$500.00} on purchases in the first 3 months your account is open. Your purchases do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. We appreciate your business and thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX '' I sent a reply the same day XX/XX/XXXX : " The link I used to apply is : https : //creditcards.chase.com/cash-back-credit-cards/freed om/card This is not Chase 's website? It certainly looks like it. If a satisfactory resolution is not met I will be making a report to the Consumer Financial Protection Bureau for false advertising. '' I rcvd a response XX/XX/XXXX stating : " Hello XXXX, We understand that you received a offer for {$200.00} cash back for the new Freedom credit card. We will be glad to address your inquiry. XXXX, let me share with you that the enrollment offer for an account is determined by the mode/ link used to submit the application. Promotional offers keep changing periodically based on market conditions and campaigns. We keep mailing new offers to our customers so they can apply for the card and take advantage of the most recent offers. Although your account isn't eligible for the new offer of XXXX bonus points ( equal to {$200.00} cash back ) which you requested, the original offer is still available and will remain on your account. You'll earn : - XXXX bonus points ( equal to {$150.00} cash back ) after you spend {$500.00} on purchases in the first 3 months from account opening. We know that this is not the outcome you are hoping for, we ask that you trust that this decision is the same for all members. We feel that adhering to the same policy for all members is the best way to remain fair and consistent. We appreciate your business and thank you for being a Chase customer. Thank you, XXXX Chase Email Servicing XXXX XXXX : XXXX ''

JPMORGAN CHASE & CO.

GA

30044

Consent provided

Web

2020-03-11

Closed with non-monetary relief

Yes

2020-04-06

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

Credit reporting

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

Their investigation did not fix an error on your report

Application for new credit card was submitted but credit bureaus ( all 3 ) had wrong phone number for me. Hard inquiry was submitted 3 times. Once problem was corrected credit card company agreed to submit request to remove the first two hard inquires. The only credit bureau refusing to remove the mistakes was Equifax, The other two credit bureau have successfully removed those inquires. I have even sent a copy of the letter from the credit card company which was furnished to me to Equifax by certified mail with return receipt. They are still refusing to remove those hard inquires. Inquires were from XXXX XXXX XXXX dated XX/XX/2019 and XX/XX/2019.

EQUIFAX, INC.

NY

14215

Servicemember

Consent provided

Web

2020-04-06

Closed with explanation

Yes

2022-08-16

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

BY LAW XXXX MUST INVESTIGATE AND PROVIDE DOCUMENTS SIGNED BY ME. XXXX HAS FAILED TO PROVIDE SUCH PROOF. XXXX SENT A GENERIC COMPUTER MESSAGE STATING INQUIRIES ARE FACTUAL AND STAY IN YOUR CREDIT REPORT, NOT INVESTIGATING, THEREFORE BREAKING THE FCRA LAWS. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

TX

78155

Consent provided

Web

2022-08-16

Closed with non-monetary relief

Yes

2022-02-17

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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, Experian and 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

Experian Information Solutions Inc.

GA

31763

Consent provided

Web

2022-02-17

Closed with non-monetary relief

Yes

2016-08-31

Student loan

Non-federal student loan

Dealing with my lender or servicer

Having problems with customer service

I WAS TOLD TO TAKE OUT A PRIVATE STUDENT LOAN THROUGH GENISIS LENDING SINCE MY FEDERAL LOANS WOULD NOT COVER WHAT WAS OWED. I TOOK OUT A LOAN AND THEY MADE ME PAY IT WHILE ATTENDING XXXX. XXXX DID NOT FOLLOW THROUGH ON THEIR PROMISE FOR JOB PLACEMENT ASSISTANCE. XXXX MISLEAD ME. I HAVE ALSO DISCOVERED THE CREDITS THEY TOLD ME I WAS EARNING ARE NOT VALID FROM THE CLASSES I TOOK.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Genesis Lending

CA

95376

Consent provided

Web

2016-08-31

Closed with explanation

Yes

No

2022-05-20

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

The Store is Children 's Place and the Credit Card company is XXXX XXXX XXXX. I paid the balance of the card on XX/XX/2022 of XXXX thinking the card was paid off I didn't check the card until I received a notice in the mail on XX/XX/2022 and I went ahead and paid the XXXX and they waived XXXX in late fees. I tried calling them since now I have a negative report on my credit for this and they would not take the negative action off my credit report. On XX/XX/2022 they put a finance charge of XXXX on my card after the date of me paying it off then it began the snowball of finance charges and late fees as follows. XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX ; XX/XX/2022 XXXX. I should not have paid the XXXX and I should not have a negative against my credit score from them. They are a scam and need to be investigated.

Bread Financial Holdings, Inc.

VA

22556

Servicemember

Consent provided

Web

2022-05-20

Closed with non-monetary relief

Yes

2020-01-18

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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.

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

Experian Information Solutions Inc.

GA

30092

Consent provided

Web

2020-01-18

Closed with non-monetary relief

Yes

2022-12-13

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

Credit reporting

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

Their investigation did not fix an error on your report

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX FL XXXX, MA XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX XXXX Account Number : XXXX Delete this account. XXXX there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, MA XXXX

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

Experian Information Solutions Inc.

NH

03104

Consent provided

Web

2022-12-13

Closed with explanation

Yes

2018-07-22

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

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

On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.

JPMORGAN CHASE & CO.

NC

288XX

Servicemember

Consent provided

Web

2018-07-22

Closed with explanation

Yes

2019-02-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In XXXX, 2018 i got a business card for a company I worked at. Three days after I received it another employee stole the card I immediately reported it to Amer Express and had the account closed. The ex employee used it to purchase some wireless communication equipment. Needless to say, the employee took a personal check back and paid for it. His check bounced. I didnt have a card with Amer Express. So Amer Express opened an account for me without my approval then transfer the {$3500.00} to me. I called Amer Express and advised I didnt want a card. That didnt matter to AE. They issued me a card anyhow. I have tried to explain this for about a year. Opened a dispute with XXXX. Then AE made it a charge off. I will have that on my credit report for 7 years. This is why I believe I should have to pay this. The total owed is {$3500.00}. I did report this to the Attorny GeneralOffice.

AMERICAN EXPRESS COMPANY

OK

73110

Older American

Consent provided

Web

2019-02-24

Closed with explanation

Yes

2023-01-02

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

Credit reporting

Incorrect information on your report

Account status incorrect

NO KNOWLEDGE OF ACCOUNT PLEASE REMOVE AND SUPPRESS. SEND 1099C TO DEBTOR IS NOT REPORTING ACCURATELY ACROSS BUREAUS, REMOVE IMMEDIATELY REPORT ATTACHED UPDATE AND SUPPRESS NEGATIVE INFORMATION 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Equifax XXXX XXXX Account Number XXXX XXXX XXXX Original Lender XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Balance {$750.00} {$750.00} {$750.00} Current Balance {$750.00} {$750.00} {$750.00} Responsibility Individual Individual Individual Status Collection account Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's public collection department Comments Collection account, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Dispute Resolved - Consumer Disagrees

EQUIFAX, INC.

NV

89121

Consent provided

Web

2023-01-02

Closed with explanation

Yes

2020-05-18

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

My bank account had fraudulent charges made on XX/XX/XXXX they were pending when my bank contacted me via email. I told my bank while they were still pending to stop the charges my bank didn't they just started an investigation on these 12 charges to some XXXX XXXX. I filed a police report. I told my bank I file a police report. I took all my other money out of the account. I have a paper stating my bank gave me temporary credit while investigating but after I used some of it to pay my XXXX XXXX credit card tcf took the payment back and then charged me fees 2 times. They also want to leave the investigation open until XX/XX/XXXX. This is unacceptable my bank is tcf. They did not protect my money.

TCF NATIONAL BANK

IL

605XX

Consent provided

Web

2020-05-18

Closed with explanation

Yes

2018-01-04

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

XXXX XXXX collection company says that I owe them a balance of {$440.00} from the original lender XXXX XXXX XXXX XXXX XXXX XXXX I had no idea what kind of Card I was aplying for, I thought it was a Gift Card I signed up for.

Resurgent Capital Services L.P.

NY

XXXXX

Consent provided

Web

2018-01-04

Closed with non-monetary relief

Yes

2023-08-31

Credit card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I applied for a a Union Bank XXXX credit card that was 0 % interest rate for 18 billing cycles. My first billing cycle was XX/XX/2022. Union bank then got acquired by US Bank. I received the card and this billing cycle, I received my statement that I was charged interest. It has only been 13 billing cycles. I called US Bank and the representative told me that interest rates are variable and they are allowed to change terms whenever they want. They also told me I had no recourse.

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

U.S. BANCORP

CA

950XX

Consent provided

Web

2023-08-31

Closed with explanation

Yes