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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30318 | Web | 2024-12-24 | In progress | Yes | N/A | 11250684 |
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2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 337XX | Consent provided | Web | 2023-11-02 | Closed with explanation | Yes | N/A | 7792460 |
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2024-12-18 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | SANTANDER HOLDINGS USA, INC. | CA | 90037 | Web | 2024-12-18 | Closed with explanation | Yes | N/A | 11208705 |
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2024-12-20 | Mortgage | Conventional home mortgage | Trouble during payment process | Escrow, taxes, or insurance | SELECT PORTFOLIO SERVICING, INC. | LA | 71106 | Web | 2024-12-20 | In progress | Yes | N/A | 11235361 |
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2023-10-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX ( Original Creditor : ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$3400.00} ; XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 71854 | Consent provided | Web | 2023-10-23 | Closed with non-monetary relief | Yes | N/A | 7739413 |
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2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above. | EQUIFAX, INC. | AK | 996XX | Consent provided | Web | 2023-11-02 | Closed with non-monetary relief | Yes | N/A | 7792735 |
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2023-12-04 | Credit reporting or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Personal information incorrect | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60431 | Consent not provided | Web | 2023-12-04 | Closed with non-monetary relief | Yes | N/A | 7943411 |
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2023-12-04 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Company believes it acted appropriately as authorized by contract or law | The CMI Group, Inc. | NV | 89108 | Consent not provided | Web | 2023-12-07 | Closed with explanation | Yes | N/A | 7943413 |
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2023-12-04 | Credit reporting or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Personal information incorrect | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90043 | Consent not provided | Web | 2023-12-04 | Closed with non-monetary relief | Yes | N/A | 7943415 |
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2024-12-22 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | CL Holdings LLC | SC | 29502 | Web | 2024-12-22 | Closed with explanation | Yes | N/A | 11246022 |
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2024-12-22 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Global Lending Services LLC | MD | 21801 | Web | 2024-12-22 | Closed with explanation | Yes | N/A | 11248706 |
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2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Credit inquiries are the most common ways a bad actor, hacker, impersonator, or other entity uses to gain inappropriate, illegal, unlawful, unauthorized, and credit without resent. There has been a warning on my report to not approve such things. My credit report with Equifax is a complete mess, full of inaccuracies, and they have chosen not to deal with it. This is unacceptable. Any fraudulent, illegal, illicit, unlawful, inappropriate, unauthorized, no consent, no permission from myself, XXXX XXXX XXXX is not considered a valid reason to grant credit, credit access, credit inquiries, and other things. These entries should and shall be removed.
I have been locked out and I am unable to have my account restored, even though I am paying a monthly subscription fee to Equifax. I can not get access. My score reports back as "? '' and everything is hidden, unavailable, or technical errors pop up. I have talked with Equifax many times, I have verified myself over the phone, they have acknowledge they are in receipt of my unlock requests, yet, I still can not gain access to my account, credit report, score, or any other credit related information. I am 100 % locked out and I can not do anything about it and Equifax refuses to resolve the issue, | EQUIFAX, INC. | HI | 967XX | Servicemember | Consent provided | Web | 2023-01-11 | Closed with explanation | Yes | N/A | 6419462 |
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2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Experian Information Solutions Inc. | FL | 33578 | Web | 2024-12-20 | In progress | Yes | N/A | 11228377 |
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2023-12-04 | Debt collection | Telecommunications debt | Written notification about debt | Didn't receive notice of right to dispute | I had an opportunity to pull my credit report on XX/XX/2023. I found that Spring Oaks Capital was listing a collection for {$910.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed. I would really like for someone to look into this for me. Thank you in advance. | Spring Oaks Capital, LLC | GA | 313XX | Servicemember | Consent provided | Web | 2023-12-04 | Closed with explanation | Yes | N/A | 7947647 |
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2023-12-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. | EQUIFAX, INC. | CA | 94544 | Consent provided | Web | 2023-12-04 | Closed with explanation | Yes | N/A | 7949258 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. | EQUIFAX, INC. | NJ | 07305 | Consent provided | Web | 2023-12-19 | Closed with explanation | Yes | N/A | 8025229 |
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2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | NC | 28262 | Servicemember | Web | 2024-12-20 | In progress | Yes | N/A | 11228389 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | CA | 92571 | Web | 2024-12-24 | In progress | Yes | N/A | 11251057 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Maximus Federal Services, Inc. | NY | 14609 | Web | 2024-12-19 | Closed with explanation | Yes | N/A | 11222322 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78728 | Web | 2024-12-19 | In progress | Yes | N/A | 11213728 |
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2024-12-20 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | Resurgent Capital Services L.P. | CA | 91402 | Web | 2024-12-20 | Closed with explanation | Yes | N/A | 11224746 |
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2024-12-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Experian Information Solutions Inc. | XXXXX | Web | 2024-12-23 | In progress | Yes | N/A | 11251277 |
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2023-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | FL | 33605 | Consent not provided | Web | 2023-03-09 | Closed with explanation | Yes | N/A | 6664309 |
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2023-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | TX | 75070 | Consent not provided | Web | 2023-03-09 | Closed with explanation | Yes | N/A | 6664772 |
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2024-12-18 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian Information Solutions Inc. | FL | 34601 | Web | 2024-12-18 | In progress | Yes | N/A | 11205709 |
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2024-12-18 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | BANK OF AMERICA, NATIONAL ASSOCIATION | IL | 60030 | N/A | Phone | 2024-12-20 | In progress | Yes | N/A | 11207068 |
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2024-12-18 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | CA | 92501 | Web | 2024-12-18 | In progress | Yes | N/A | 11205289 |
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2023-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts below 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. | MA | 02346 | Consent provided | Web | 2023-01-09 | Closed with non-monetary relief | Yes | N/A | 6412029 |
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2024-12-20 | Checking or savings account | Checking account | Opening an account | Account opened without my consent or knowledge | WELLS FARGO & COMPANY | CA | 96001 | Web | 2024-12-20 | In progress | Yes | N/A | 11233395 |
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2024-12-20 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | I am writing to formally request a copy of the purchase agreement associated with the account referenced below : Under the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of any debt that is reported on my credit report. Specifically, I am requesting that you provide the original purchase agreement that substantiates the validity of this account. If you are unable to provide this documentation within 30 days of receiving this letter, I kindly ask that you cease and desist all collection activities related to this account. Furthermore, I request that you delete this item from my credit report in accordance with the FCRA, specifically 609 ( a ) ( 1 ) and 605 ( b ), which outline the rights of consumers to dispute inaccurate information and the requirement for creditors to provide validation of debts. Please send the requested documentation to my address listed above. If I do not receive a satisfactory response within the specified timeframe, I will have no choice but to escalate this matter to the appropriate regulatory authorities. | Company believes it acted appropriately as authorized by contract or law | Harris & Harris, Ltd. | TX | 77489 | Consent provided | Web | 2024-12-20 | Closed with non-monetary relief | Yes | N/A | 11224729 |
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2023-12-21 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I have carefully reviewed my credit report and can confirm that this account was paid in full and should not be labeled as a charge-off. The payment history for this account reflects that it was settled and closed with a XXXX balance. I was the victim and Im not sure why the CRA is not complying with the law. Therefore, I request that you investigate this matter and correct the inaccurate information on my credit report. I need this account to be updated as it was ruining my financial standing and staining my credit report due to its inaccurate reporting.
XXXX XXXX XXXX XXXX XXXX This account was never a charge-off. Account was paid in full.
I kindly request that you conduct a thorough investigation into this matter and update my credit report accordingly. The inaccuracies in reporting have adversely affected my credit score, and I believe that correcting this information is essential for an accurate representation of my creditworthiness.
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I appreciate your prompt attention to this matter and request that you complete the investigation within the 30-day timeframe stipulated by the FCRA. | EQUIFAX, INC. | CA | 95482 | Consent provided | Web | 2023-12-21 | Closed with explanation | Yes | N/A | 8032757 |
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2024-12-11 | Payday loan, title loan, personal loan, or advance loan | Installment loan | Problem with additional add-on products or services | Opportunity Financial, LLC | NJ | 08401 | Servicemember | Web | 2024-12-20 | Closed with explanation | Yes | N/A | 11095772 |
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2024-10-31 | Checking or savings account | Other banking product or service | Problem with a lender or other company charging your account | Transaction was not authorized | On XX/XX/year>, I was charged {$190.00} and {$110.00} by CLEAR for their services, totaling {$310.00} on my PNC XXXX XXXX XXXX ending in XXXX. Shortly after, on XX/XX/year>, PNC Bank applied a provisional credit of {$260.00} to my account, deducting {$50.00} as part of a non-refundable XXXX promotion CLEAR offered. I understood this deduction and accepted the refund amount of {$260.00}, as indicated by CLEAR.
However, on XX/XX/year>, I received a letter from PNC Bank ( attached ) indicating that the {$260.00} provisional credit would be reversed on XX/XX/year>, as they had determined no error occurred. In line with this letter, PNC withdrew {$140.00} and {$110.00} from my account on XX/XX/year>, effectively reversing the provisional credit they initially applied. These transactions are reflected on my attached bank statement : XX/XX/year> : Provisional Credit Reversal of {$140.00} XX/XX/year> : Provisional Credit Reversal of {$110.00} Since then, I have been in repeated communication with CLEAR, explaining that while they claim to have refunded the amount, PNC Bank confirms they no longer hold these funds. CLEAR provided two Acquirer Reference Numbers ( ARNs ) for the refunded amounts ( XXXX for {$140.00} and XXXX for {$110.00} ), which I subsequently shared with PNC Bank. Despite providing these ARNs, PNC Bank insists that they have returned the funds to CLEAR and no longer possess them, leaving me in a financial limbo where neither party is willing to release the funds back to my account.
This has resulted in a frustrating cycle of back-and-forth communication with no resolution, as CLEAR directs me to PNC Bank, while PNC Bank directs me back to CLEAR. Each institution claims the other holds the funds, leaving me without the refund I am rightfully owed. I have attached both my bank statement and PNCs letter dated XX/XX/year>, to substantiate my claim and provide full transparency on the transactions.
Resolution Sought : I am requesting assistance in holding either PNC Bank or CLEAR accountable to resolve this issue. I need a definitive confirmation of where the {$260.00} currently resides and to have the funds returned to my account, as both entities have failed to provide a satisfactory resolution despite the documented evidence I have shared. | PNC Bank N.A. | MI | 48101 | Consent provided | Web | 2024-10-31 | In progress | Yes | N/A | 10637215 |
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2024-12-17 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | Perpay, Inc. | IL | 60624 | Web | 2024-12-20 | Closed with explanation | Yes | N/A | 11194439 |
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2024-09-26 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | " I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | XXXXX | Consent provided | Web | 2024-09-26 | Closed with explanation | Yes | N/A | 10258216 |
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2024-12-20 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | NAVY FEDERAL CREDIT UNION | NC | 285XX | Older American | Web | 2024-12-20 | In progress | Yes | N/A | 11229961 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | EQUIFAX, INC. | IL | 60008 | Web | 2024-12-24 | In progress | Yes | N/A | 11251798 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | TN | 37341 | Web | 2024-12-24 | In progress | Yes | N/A | 11251800 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | TX | 78227 | Web | 2024-12-24 | In progress | Yes | N/A | 11251785 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | EQUIFAX, INC. | NY | 10701 | Web | 2024-12-24 | In progress | Yes | N/A | 11251802 |
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2024-10-26 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Experian Information Solutions Inc. | MI | 48205 | Consent not provided | Web | 2024-10-27 | In progress | Yes | N/A | 10586469 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TOYOTA MOTOR CREDIT CORPORATION | MD | 219XX | Older American | Web | 2024-12-19 | In progress | Yes | N/A | 11223161 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | TX | 77014 | Web | 2024-12-24 | In progress | Yes | N/A | 11252098 |
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2023-01-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently reviewed a copy of my credit report and noticed the following information regarding inquires to be an error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a person 's credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order.
15 U.S.C. Sect 1681 ( FCRA ) Experian claimed to do an investigation on the matter for me to try to validate the inquiries, but they couldnt so PLEASE remove these inquires from my consumers credit report immediately.
If any of these companies purport to have pulled my credit report with permission, then I exercise my legal right to ask for verification, including : 1. ) Name and title of the person who pulled my credit. 2. ) Date they purport that I gave permission.
3. ) Method they purport that I gave permission. Please include documentation of said permission.
Under the Fair Credit Reporting Act 15 U.S.C. Sectl 1681 G I have the right to " DEMAND '' that you disclose all the documents that you have recorded and retained in your files at the time of this request concerning the accounts that are reporting on my credit report.
The information that is being reported on my consumer credit report is Inaccurate and this is unfair. According to the federal law 15 U.S.C. 1681 Consumer reporting agencies grave responsibilities are to report with fairness, impartiality, and respect for the consumers right to privacy. The information must be accurate. According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate credit reporting. Also according to Permissible purposes of consumer reports 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
According to 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this complaint must be deleted and updated IMMEDIATELY or i will seek monetary damages in small claims court in my city and state. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60153 | Consent provided | Web | 2023-01-28 | Closed with explanation | Yes | N/A | 6494192 |
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2023-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37312 | Consent not provided | Web | 2023-01-27 | Closed with non-monetary relief | Yes | N/A | 6495031 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | GA | 30354 | Consent not provided | Web | 2023-12-19 | Closed with non-monetary relief | Yes | N/A | 8025054 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | EQUIFAX, INC. | CA | 94561 | Consent not provided | Web | 2023-12-19 | Closed with non-monetary relief | Yes | N/A | 8025179 |
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2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | GA | 30016 | Web | 2024-12-20 | In progress | Yes | N/A | 11218510 |
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2024-12-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | EQUIFAX, INC. | FL | 33180 | Web | 2024-12-23 | In progress | Yes | N/A | 11252384 |
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2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | TX | 77057 | Web | 2024-12-21 | In progress | Yes | N/A | 11238535 |
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2023-01-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92557 | Consent not provided | Web | 2023-01-28 | Closed with explanation | Yes | N/A | 6494264 |
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2023-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Regardless of the multiple written requests, the INQUIRIES listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN CREDIT BUREAU, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the INQUIRIES below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Experian Information Solutions Inc. | MD | 218XX | Consent provided | Web | 2023-01-20 | Closed with non-monetary relief | Yes | N/A | 6457156 |
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2023-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | NAVY FEDERAL CREDIT UNION Account number : XXXX Balance {$8000.00} Navy Federal has written off the alleged debt of { {$8000.00} } as a charge-off. A Charge off by law is " the writing off of a debt and termination of collection activity without release of personal liability. '' According to the IRS Publication site Navy Federal are to File a 1099c for any amount over { {$600.00} } and send the consumer a copy of the filed form. Also amount would be now considered income for me the consumer and they must remove this account from my credit report. The CRAs can not report income, the can only report debt. I want this matter investigated immediately. I will not hesitate to reach out to the IRS and XXXX to do an investigation.
THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT FILE IMMEDIATELY Based on, 15 U.S. Code 1681 B- Permissible purposes of consumer reports subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other 15 U.S. Code 1681C-2- a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | TX | 77433 | Consent provided | Web | 2023-01-20 | Closed with explanation | Yes | N/A | 6457076 |
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2023-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am beyond outraged that XXXX XXXX XXXX is falsely reporting on my credit and violating my rights under the Fair Credit Reporting Act. I have never had any accounts with them, yet they are falsely reporting to my credit as a debt collector, in violation of 15 U.S. Code 1681d - Disclosure of investigative consumer reports. They have not clearly and accurately disclosed to me that an investigative consumer report may be made, and that disclosure was not made in a writing mailed or delivered to me not later than three days after the date on which the report was first requested.
To make matters worse, they are displaying a supposed closed account with a balance of {$3400.00}, which is a violation as per my research, charged off accounts should display a zero balance. This is not only inaccurate but also defamatory and a violation of 15 U.S.C 1692g. This is a violation of 15 U.S. Code 1681 and I demand that the account be deleted at once. I have no contract with XXXX XXXX XXXX and have never done business with this company, nor have I given my written consent to any financial obligations.
I have sent two letters to them on XX/XX/2022 via certified mail and have yet to receive any proof of this alleged debt or any instrument bearing my signature with XXXX XXXX XXXX. I demand that they provide proof or delete the inaccurate information from my credit report immediately. I remind them that they have 30 days to complete their reinvestigation as per federal law and that time has passed.
I will seek {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g. As in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX ), XXXX XXXX XXXXT is liable for their willful non-compliance. I will not rest until this is rectified and justice is served. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. I am beyond angry and will not tolerate this violation of my rights any longer! | ENCORE CAPITAL GROUP INC. | NV | 89149 | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | N/A | 6457491 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | TN | 37122 | N/A | Phone | 2023-12-20 | Closed with explanation | Yes | N/A | 8025411 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | WA | 99206 | N/A | Phone | 2023-12-20 | Closed with non-monetary relief | Yes | N/A | 8025208 |
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2023-11-10 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have disputed the account Portfolio Recovery account numerous times on my consumer report XXXX. This account included numerous inaccuracies. I am aware that I have the right to a fair and 100 % accurate reporting. XXXX has said that this account comes back verified and updated. The first time in XXXX this account should have been removed for having inaccurate information. XXXX did not only update the account but also left inaccurate information. I am filing a complaint regarding this inaccurate reporting and requesting deletion.
From XX/XX/XXXX until today XXXX has allowed Portfolio Recovery to update this account as an open collection with a past due balance. Also, there is still a " Last payment date of XX/XX/XXXX '' listed on this account.
This account has been updated only with a balance update!
Below are the updates I've received with only a balance updated date.
" Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Previous : Completed investigation of FCRA dispute - consumer disagrees.
XX/XX/XXXX to XX/XX/XXXX XXXX info This item was updated from our processing of your dispute in XX/XX/XXXX '' I believe this is all a violation of my rights.
I am aware that a consumer reporting agency can not furnish inaccurate information.
I do not believe my disputes have been handled in compliance with the law.
I request deletion or method of verification of how this account was verified. | PORTFOLIO RECOVERY ASSOCIATES INC | NY | 11216 | Consent provided | Web | 2023-11-10 | Closed with explanation | Yes | N/A | 7835916 |
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2023-11-25 | Checking or savings account | Checking account | Problem caused by your funds being low | Bounced checks or returned payments | Hello, I have been with Bright Money for a few months now and I have no had an issue until this month. This XXXX, I've noticed that I've gotten returned checking fee at an alarming rate. At first, I didn't think nothing of it. Until it started to stack up and suddenly I'm getting hit with XXXX, then XXXX and now almost XXXX in overdraft fees. I've talked with my bank and putt in a stop pay on them and they still managed to charge it through. I've talked with one of their reps and they assumed me that I wouldn't be charged any more on XX/XX/XXXX. It's currently Saturday, XX/XX/2023 and it's frustrating because I feel like my whole checks are going to be eaten up. All this month, I've had Bright Money charged my account to proc an returned check fee without my knowledge.
The returned checking fees started on XX/XX/XXXX. Then it charged me again on XX/XX/XXXX, XXXX, and XXXX.
My bank statement for XXXX is not ready as of the moment, but I am willing to provide the statements. | Bright Capital Inc | MI | 48235 | Servicemember | Consent provided | Web | 2023-11-25 | Closed with explanation | Yes | N/A | 7903609 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | UT | 84096 | Web | 2024-12-19 | In progress | Yes | N/A | 11217598 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93711 | Web | 2024-12-19 | In progress | Yes | N/A | 11217276 |
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2022-12-07 | Debt collection | Other debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | Fraud was detected on my credit report. A copy was requested and after through all XXXX credit bureaus ( XXXX Experian and XXXX. It has come to my attention that mistakes under.
15 USC 1681b permissible purpose, that XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX never contacted me! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48188 | Servicemember | Consent provided | Web | 2022-12-07 | Closed with explanation | Yes | N/A | 6286710 |
2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | EQUIFAX, INC. | CA | 91342 | Other | Web | 2023-12-19 | Closed with non-monetary relief | Yes | N/A | 8029676 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | PA | 19018 | Consent not provided | Web | 2023-12-19 | Closed with non-monetary relief | Yes | N/A | 8025509 |
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2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS.
This item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90008 | Consent provided | Web | 2023-11-02 | Closed with non-monetary relief | Yes | N/A | 7784607 |
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2023-01-26 | 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.
Account name :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 323XX | Consent provided | Web | 2023-01-26 | Closed with non-monetary relief | Yes | N/A | 6492434 |
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2023-01-25 | 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 | CLGF Holdco 1, LLC | GA | 30260 | Servicemember | Other | Web | 2023-01-25 | Closed with explanation | Yes | N/A | 6478898 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77090 | Web | 2024-12-19 | In progress | Yes | N/A | 11217440 |
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2022-12-03 | 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 XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : Ot also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1668B : A creditor may not treat a payment on a credit xard account under an open end consumer credit plan as late for purpose. | Avant Holding Company, Inc. | FL | 32808 | Consent provided | Web | 2022-12-03 | Closed with explanation | Yes | N/A | 6276288 |
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2023-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | The consumer reporting agencies, XXXX, XXXX and Equifax have not responded to my dispute after I have tried to let them know that they are furnishing inaccurate information. According to the law 15 U.S.C. 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
The Consumer reports must be accurate this is law! I sent out my dispute on XX/XX/2023, and they did not respond and did not delete the inaccurate information off my consumer report. | EQUIFAX, INC. | MO | 640XX | Consent provided | Web | 2023-12-20 | Closed with explanation | Yes | N/A | 8029976 |
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2023-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | TX | 77577 | Consent not provided | Web | 2023-12-19 | Closed with non-monetary relief | Yes | N/A | 8029675 |
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2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found some accounts XXXX account # XXXX and XXXX XXXX XXXX my credit report that was not opened by me. I dont know if someone has this account in my name or added me to an account but these accounts do belong to me This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48187 | Consent provided | Web | 2023-11-02 | Closed with explanation | Yes | N/A | 7789318 |
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2023-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX Bankruptcy Court XXXX Date Filed : XX/XX/XXXX, XXXX-Bankruptcy XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91739 | Consent provided | Web | 2023-01-10 | Closed with explanation | Yes | N/A | 6414523 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27406 | Web | 2024-12-19 | In progress | Yes | N/A | 11217860 |
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2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | Experian Information Solutions Inc. | FL | 32301 | Web | 2024-12-24 | In progress | Yes | N/A | 11252790 |
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2022-12-06 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | USAA has frozen our accounts as of XX/XX/XXXX without providing a reason and we are unable to access our funds to pay bills. Social security income direct deposits for XXXX and soon XXXX will be in that checking account.
After numerous calls, we were just informed by an " expert advocate '' of USAA ( XX/XX/XXXX ) that we won't be able to get funds for 60 days and there is NO ONE that can change that at USAA. She could NOT provide a reason she said as to why the bank made this decison.
So, my husband has changed his social security income deposit after opening a new account at a local bank but it will not be effective until XXXX per social security.
We also have a credit card with USAA which we obviously can't access or make payments. I asked the USAA person ( XXXX ) if we will be charged a late fee if we can't get to our funds to pay them and interest will be accumulating- she has no answer. So they not only have our money but are making additional interest at our expense. This is so wrong and horrible way to treat a consumer much less a XXXX that they supposedly " support ''. How do they get away with this? How does a person pay their bills when a bank doesn't allow access to a person 's funds? XXXX XXXX USAA, you should be ashamed of your tactics. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | CA | 960XX | Older American, Servicemember | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | N/A | 6287207 |
2022-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MS | 38868 | Consent not provided | Web | 2022-12-03 | Closed with non-monetary relief | Yes | N/A | 6273718 |
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2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX XXXX Balance : {$360.00} ; XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX Balance : {$1400.00}. | EQUIFAX, INC. | TX | 77090 | Consent provided | Web | 2023-11-02 | Closed with non-monetary relief | Yes | N/A | 7789270 |
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2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I do not consent to electronic communications. I request all responses be in writing through the XX/XX/XXXX. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : FORD MOTOR CREDIT COMP XXXX | FORD MOTOR CREDIT CO. | NY | 11204 | Consent provided | Web | 2023-11-02 | Closed with explanation | Yes | N/A | 7789160 |
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2022-12-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | THIS ACCOUNT WAS PAID IN FULL AND WAS NEVER LATE. THEY TOLD ME THEY WOULD CORRECT THIS PROBLEM AND IT'S BEEN MONTHS. THEY ARE STILL REPORTING DAMAGING INFORMATION ON MY REPORT. | American First Finance, Inc. | FL | 342XX | Consent provided | Web | 2022-12-18 | Closed with non-monetary relief | Yes | N/A | 6335441 |
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2022-12-06 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Can't close your account | I contacted Paypal back in XXXX to close my Paypal Mastercard. They required that I pay my balance due, which I did. Approximately {$1200.00}. The next month they hit my checking account directly again. Since cancelling I no longer have access to login or review account activity. I called and spoke with someone who stated that this would be the last charge. Again today XXXX they hit my checking account again. I called and they stated that this isnt them. Theres nothing they can do about it. I explained to them that I would be contacting the CFPB to file a complaint and I have reported the transaction to my XXXX XXXX as fraudulent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NC | 27012 | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | N/A | 6287101 |
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2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 38049 | Consent not provided | Web | 2022-12-06 | Closed with explanation | Yes | N/A | 6287004 |
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2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated.
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet XXXX and Experian are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10475 | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | N/A | 6287081 |
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2022-12-03 | Mortgage | Conventional home mortgage | Trouble during payment process | I made a partial payment online. This option says keeps in mind the complete payment must be paid by the due date. I made an {$800.00} payment on XX/XX/XXXX. Mr. Cooper put the payment towards principal only. I told them I wanted it put towards my payment due. They repeatedly told me the issue was resolved and it was not. The last time I contacted them, they told me after we made the payment that was due o. XX/XX/XXXX, they would that the payment I made on the XXXX of XXXX and put it towards the payment due. AGAIN, we were told it was fixed and it is not. | Mr. Cooper Group Inc. | OR | 973XX | Consent provided | Web | 2022-12-03 | Closed with explanation | Yes | N/A | 6276586 |
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2023-11-10 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23504 | Consent provided | Web | 2023-11-10 | Closed with non-monetary relief | Yes | N/A | 7835763 |
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2023-03-03 | Payday loan, title loan, or personal loan | Installment loan | Incorrect information on your report | Account status incorrect | My debt/original balance of {$1500.00} has since been paid, however the late payment history of 30-59 days was reported on my credit report for al 3 credit bureaus was reported for XX/XX/2022. I was impacted due to covid19. Please remove the negative payment history from my credit report with all 3 credit bureaus as this debt has been fully paid. Thanks! | Regional Management Corporation | GA | 30017 | Consent provided | Web | 2023-03-03 | Closed with explanation | Yes | N/A | 6644598 |
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2023-08-03 | Money transfer, virtual currency, or money service | Mobile or digital wallet | Managing, opening, or closing your mobile wallet account | I recently opened a Venmo account and upon account opening I was promoted to provide my full SSN, birthdate, photo of my driver license, etc. in order to fully verify my account, which I provided promptly. After two days I received an email which stated that my identity had been fully verified and that my account was good to go however Ive been unable to access the money in my balance by either transferring it to my linked debit card or send/receive paymentsboth of which should certainly be available after successfully verifying my identity. I have a {$400.00} balance in my account that has been stuck in there without any ability to access it whatsoever. | Paypal Holdings, Inc | PA | 190XX | Consent provided | Web | 2023-08-03 | Closed with explanation | Yes | N/A | 7348391 |
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2023-01-11 | Checking or savings account | Checking account | Managing an account | Problem making or receiving payments | I was scammed out of {$6400.00}. I made a check addressed to XXXX XXXX XXXX in that amount to pay a credit card debt. The check was drawn on my checking account in Capital One. I mailed the check from my local post office at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX The check was intercepted, and the name was changed to XXXX XXXX. The check was cashed in XXXX XXXX XXXX. I mailed the check on XX/XX/XXXX, and it was intercepted and cashed on XX/XX/XXXX. I complained to Capital One bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I spoke to the manager, XXXX XXXX. I complained to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I complained to the police in my local precinct, the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Two detectives were assigned to my case- XXXX XXXX and XXXX XXXX XXXX I have not heard anything from any of these parties, and I am out that money. | CAPITAL ONE FINANCIAL CORPORATION | NY | 11377 | Older American | Consent provided | Web | 2023-01-11 | Closed with explanation | Yes | N/A | 6427417 |
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2022-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX. ALL OF YOUR NEWST ADVERSE INFORMATION WILL FOEVER BEEN UNDER DISPUTE FOR INACCURATE NEGATIVE INFORMATION! SEQUIUM ASSET SOLUTIONS INC. WILL ACQUIRE NOTHING. IF XXXX DID NOT TELL THEM ABOUT WHO I AM- THEY WILL GET NOTHING FROM ME. SOMETIME AGO, REINSERTED OLD OUTDATED ADDRESS XXXX NUMNERS AS WELL AS OTHER ADVERSE AND INCORRECT INFORMATION. XXXX AQUIRED XXXX PARTY INFORMATION TO DIG UP AND THROW ONTO PEOPLE 'S CONSUMER REPORTS WITH CONSUMER CONSENT BEFOREHAND VIOLATING THE CONDITIONS UNDER WHICH LAY THE CONCRETE OF 15 U.S.C. 1681 BACKBONE OF THE FCRA. XXXX GOAL - MAKE PROFIT BY ANY TERMS. THIS WILL SET THE STAGE IN THAT XXXX AND THE OTHER CRAS ARE INCAPABLE OF HOLDING AN KEEPING ANY PRIVATE PARTY SAFE AND PROTECTED BECAUSE XXXX XXXX ITSELF IS A COLLECTOR AND SELLER OF PERSONAL INFORMATION TO THE HIGHEST BIDDER - FOR THE XXXX PRICE. BE WARNED XXXX - FOR DIGGING THROUGH MY REPORTS FOR FOR OWN GAIN. YOUR TIME IA PASSED. YOUR COMPANIES SHOULD AT ALL COST. SHOULD BE BROKEN UP AND AOLD TO THOSE THAT HONESTLY KNOW THE MEANING OF " PRIVATE '' | Sequium Asset Solutions, LLC | TX | XXXXX | Consent provided | Web | 2022-12-21 | Closed with explanation | Yes | N/A | 6274092 |
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2023-12-11 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.
Furnish information about accounts or other relationships with a consumer that is accurate.
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards.
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. | EQUIFAX, INC. | FL | XXXXX | Consent provided | Web | 2023-12-11 | Closed with non-monetary relief | Yes | N/A | 7980841 |
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2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28376 | Web | 2024-12-20 | In progress | Yes | N/A | 11220710 |
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2023-01-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | PA | 19131 | Consent not provided | Web | 2023-01-25 | Closed with explanation | Yes | N/A | 6478977 |
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2023-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is XXXX XXXX submitting this CFPB Complaint to you today as a follow up Complaint to the recent CFPB Complaint I previously submitted requesting the deletion of the fraudulent accounts and information from my Credit File. Let me remind you that under the Federal Law, Fair Credit Reporting Act section 605b, you are required to remove any accounts and information that resulted due to identity theft. Therefore, it is expected of you to remove the accounts and information I have been disputing. You have not complied with the Federal law, and continued reporting the disputed items as if they are accurate which is a major violation of my rights under the FCRA section 605b. I request of you once again, to remove the following items off from my Credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022. I previously requested that you send me copies of proof of verification or any documents supporting your claims that the disputed items are accurate, and yet I received nothing. Under the Fair Credit Reporting Act, your inability to send me the needed documents should have resulted in the deletion of the disputed items. | EQUIFAX, INC. | AR | 72076 | Consent provided | Web | 2023-01-14 | Closed with explanation | Yes | N/A | 6436068 |
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2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | TN | 38116 | Web | 2024-12-20 | In progress | Yes | N/A | 11224756 |
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2023-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX | EQUIFAX, INC. | FL | 33196 | Consent provided | Web | 2023-12-21 | Closed with non-monetary relief | Yes | N/A | 8032542 |
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2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Experian Information Solutions Inc. | CA | 90019 | Web | 2024-12-20 | In progress | Yes | N/A | 11229395 |
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2023-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77587 | Consent not provided | Web | 2023-03-09 | Closed with non-monetary relief | Yes | N/A | 6664135 |
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2023-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} | EQUIFAX, INC. | CA | 936XX | Consent provided | Web | 2023-03-09 | Closed with explanation | Yes | N/A | 6664404 |
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2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70811 | Web | 2024-12-19 | In progress | Yes | N/A | 11217734 |
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2022-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
I | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60637 | Consent provided | Web | 2022-12-03 | Closed with non-monetary relief | Yes | N/A | 6270431 |
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2022-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77072 | Consent not provided | Web | 2022-12-03 | Closed with non-monetary relief | Yes | N/A | 6270435 |
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