date_received
stringlengths 10
10
| product
stringclasses 21
values | sub_product
stringclasses 87
values | issue
stringclasses 179
values | sub_issue
stringclasses 273
values | complaint_what_happened
stringlengths 0
33k
| company_public_response
stringclasses 12
values | company
stringlengths 3
88
| state
stringclasses 64
values | zip_code
stringlengths 0
5
| tags
stringclasses 4
values | consumer_consent_provided
stringclasses 6
values | submitted_via
stringclasses 7
values | date_sent_to_company
stringlengths 10
10
| company_response
stringclasses 9
values | timely
stringclasses 2
values | consumer_disputed
stringclasses 3
values | complaint_id
stringlengths 1
8
|
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
2022-12-02 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I send them a letter, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34. They did provide validation in 30-day Debt validation period it has ended and they FAILED TO PROVIDE ALL REQIUED validation Information AS PER THE LAW 12 CFR 1006.34 ( c ) | ENCORE CAPITAL GROUP INC. | MD | 21117 | Consent provided | Web | 2022-12-02 | Closed with non-monetary relief | Yes | N/A | 6270591 |
||
2024-10-23 | Credit reporting 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. | NC | 27870 | Consent not provided | Web | 2024-10-23 | Closed with non-monetary relief | Yes | N/A | 10558562 |
||
2023-12-04 | 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. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report.
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 | 32738 | Consent provided | Web | 2023-12-04 | Closed with explanation | Yes | N/A | 7942513 |
|
2023-12-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | LA | 70117 | Consent not provided | Web | 2023-12-04 | Closed with non-monetary relief | Yes | N/A | 7949138 |
|||
2023-12-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | FL | 33063 | Consent not provided | Web | 2023-12-04 | Closed with explanation | Yes | N/A | 7949140 |
|||
2023-12-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have account passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness.
XX/XX/XXXX | EQUIFAX, INC. | FL | 33141 | Consent provided | Web | 2023-12-04 | Closed with non-monetary relief | Yes | N/A | 7942569 |
||
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. | PA | 19143 | Web | 2024-12-19 | In progress | Yes | N/A | 11213550 |
||||
2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43232 | Web | 2024-12-19 | In progress | Yes | N/A | 11210422 |
||||
2024-12-19 | Prepaid card | Government benefit card | Problem getting a card or closing an account | Trouble getting, activating, or registering a card | BANK OF AMERICA, NATIONAL ASSOCIATION | NV | 89121 | N/A | Referral | 2024-12-19 | In progress | Yes | N/A | 11211242 |
|||
2024-12-19 | Credit reporting or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | I.C. System, Inc. | CA | 92551 | Web | 2024-12-19 | In progress | Yes | N/A | 11210788 |
||||
2024-12-14 | Debt collection | I do not know | False statements or representation | Attempted to collect wrong amount | XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX Dear XXXX XXXX, This letter is being sent to you in response to a recent charge of {$12000.00} that was made on my credit report that I do not recognize.
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HYUNDAI CAPITAL AMERICA | IL | 604XX | Consent provided | Web | 2024-12-14 | Closed with explanation | Yes | N/A | 11157397 |
|
2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | TX | 77019 | Web | 2024-12-19 | In progress | Yes | N/A | 11197845 |
||||
2024-12-16 | 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 | 34746 | Web | 2024-12-16 | In progress | Yes | N/A | 11169364 |
||||
2024-12-15 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Experian Information Solutions Inc. | PA | 191XX | Web | 2024-12-15 | In progress | Yes | N/A | 11161774 |
||||
2024-12-15 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Experian Information Solutions Inc. | GA | 30338 | Web | 2024-12-15 | In progress | Yes | N/A | 11161787 |
||||
2023-12-04 | 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
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. | NV | 89104 | Consent provided | Web | 2023-12-04 | Closed with non-monetary relief | Yes | N/A | 7942677 |
|
2023-12-21 | 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. | TX | 77056 | Servicemember | Other | Web | 2023-12-21 | Closed with explanation | Yes | N/A | 8032562 |
||
2023-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | EQUIFAX, INC. | FL | 33054 | Consent provided | Web | 2023-12-21 | Closed with explanation | Yes | N/A | 8033030 |
||
2023-12-21 | 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. | NV | 89434 | Other | Web | 2023-12-21 | Closed with explanation | Yes | N/A | 8032875 |
|||
2023-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | FL | 33161 | Consent not provided | Web | 2023-12-21 | Closed with non-monetary relief | Yes | N/A | 8032803 |
|||
2023-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | CA | 92307 | Other | Web | 2023-12-21 | Closed with explanation | Yes | N/A | 8038910 |
|||
2023-12-18 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20740 | Consent provided | Web | 2023-12-18 | Closed with non-monetary relief | Yes | N/A | 8017083 |
|
2023-01-14 | 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30643 | Consent not provided | Web | 2023-01-14 | Closed with non-monetary relief | Yes | N/A | 6435984 |
||
2023-08-22 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | on XXXX XX/XX/, I called chase to check the status of a deposit for the 3rd time. All the previous calls i was told different answers and was given no concrete idea of what was happening with my XXXX check. Finally after to speaking to a supervisor i was told they check would be held fro 10 days and there was nothing they could do it was company policy. The check was coming from a insurance company and wells fargo. I then asked to speak to her supervisor and was told i would have to wait 2 business days for that supervisor to get back to me. Chase is MY bank and has been for years but is dong nothing to help me and i have never heard a company ever just speak more company line jargon to avoid fixing a problem and they fact that 2 different representatives gave wrong information yet there is not any accountability is just absurd. The only person that is suffering here si me as my money is being held hostge by chase and they have no accountability. | JPMORGAN CHASE & CO. | NJ | 088XX | Consent provided | Web | 2023-08-23 | Closed with explanation | Yes | N/A | 7439187 |
||
2024-12-09 | Money transfer, virtual currency, or money service | Domestic (US) money transfer | Fraud or scam | I am filing a formal complaint regarding XXXX fraudulent transactions made through XXXX Banks XXXX service savings account no. ending XXXX : {$380.00} - Completed on XX/XX/year> ( Transaction ID : XXXX ) {$1000.00} - Completed on XX/XX/year> ( Transaction ID : XXXX ) I was deceived into sending these payments to XXXX XXXX, believing they were for catering services provided by a company claiming to be XXXX XXXX XXXX XXXX XXXX. Upon further investigation, I discovered : The company ( File Number : XXXX ) is listed as Not in Good Standing with the Secretary of State.
The business location is abandoned, with no legitimate operation.
No services or goods were delivered as promised.
I have contacted U.S. Bank and XXXX to dispute these transactions, but so far, I have not received adequate assistance or resolution.
Key Concerns : Fraudulent Use of XXXX : These payments were facilitated by XXXX Banks XXXX XXXX, which assured me of the platform 's security and reliability.
Lack of Resolution : Despite reporting this fraud promptly, my bank has not refunded the money or initiated a thorough investigation into the recipient.
Supporting Documentation : Screenshots of the transactions.
Communications with the recipient.
Evidence of the companys status and abandoned location.
I am requesting that the CFPB assist in resolving this matter by advocating for the return of my funds and ensuring better fraud prevention practices through XXXX and U.S. Bank ACCOUNT NO. ENDING XXXX.
Thank you for your attention to this issue. Please feel free to contact me for any further details.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | IL | 60423 | Consent provided | Web | 2024-12-09 | Closed with explanation | Yes | N/A | 11091818 |
||
2024-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33166 | Web | 2024-12-16 | In progress | Yes | N/A | 11165677 |
||||
2024-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Experian Information Solutions Inc. | FL | 34744 | Web | 2024-12-16 | In progress | Yes | N/A | 11165438 |
||||
2023-11-02 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | XX/XX/XXXX I disputed this account self account in writing stating I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. No proof of investigation was provided nor was the negative payment status updated for all XXXX self accounts | EQUIFAX, INC. | NY | 14228 | Consent provided | Web | 2023-11-02 | Closed with non-monetary relief | Yes | N/A | 7784901 |
||
2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78660 | Web | 2024-12-20 | In progress | Yes | N/A | 11220579 |
||||
2023-01-31 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | Capital One has continuously charged " Past Due Fees '' of {$40.00} per month, with XXXX being {$30.00} in addition to the interest accrued to the principle balance, and the additional fees which themselves work to exponentially increase the total balance due. I have throughout my financial hardship been in close contact with Capital One to communicate to them the financial hardship I was facing, and received assurance from them that they would " work with me '' but the fact is, all they have done is worked me over. I am in the position to begin making small payments to settle my debt with Capital One, but there is no reasoning with them to remove the fees, of which I refuse to pay for. They have done considerable damage to my credit report despite their friendly appearing and sounding programs to help clients facing financial hardship. All they have done is predatorily sought ways to capitalize further on my hardship. They refuse to settle the account for any amount and are unreasonable to deal with, often their customer service does not even understand my requests because of their tendency to offshore their customer service.
Past Due Fees : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$40.00} This is not the total of damages, but it is the total scope of record their interface allows me to access. I have been in a financial hardship since XXXX XXXX XXXX. I am a XXXX veteran, and sole provider to a wife and XXXX children. I am going to school full-time through the VA 's XXXX & XXXX program to provide a better life for my family upon the completion of my education, and hopefully during it's pursuance as well.
The total interest charged during this time is in excess of {$270.00} with a current total balance owed of XXXX for a card which has an available credit limit of {$400.00} to give perspective to the total additional charges to the principal debt 's balance of {$400.00}, being that there is additional charges of {$730.00} I hope that this speaks volumes to the reader. Despite my constant communication with Capital One I have been treated like a rotted carcass by Capital One who is a vulture. | CAPITAL ONE FINANCIAL CORPORATION | OK | XXXXX | Servicemember | Consent provided | Web | 2023-01-31 | Closed with explanation | Yes | N/A | 6511155 |
|
2024-12-16 | 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. | NY | 11412 | Web | 2024-12-16 | In progress | Yes | N/A | 11165447 |
||||
2024-12-16 | 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 | EQUIFAX, INC. | NY | 11412 | Web | 2024-12-16 | In progress | Yes | N/A | 11165448 |
||||
2024-12-16 | 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. | FL | 33147 | Web | 2024-12-16 | In progress | Yes | N/A | 11166244 |
||||
2024-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10460 | Web | 2024-12-16 | In progress | Yes | N/A | 11165638 |
||||
2024-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | LA | 70817 | Web | 2024-12-16 | In progress | Yes | N/A | 11166458 |
||||
2023-01-19 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | For years from about XXXX through XXXX i had countless overdraft fees and had many items returned because of them. It made made credit report list that my payments were late and i wasnt because the overdraft fees were done from the largest transaction to the smallest making them all bonce and get many over draft frees instead of XXXX or more. I have paid thousands in nfs fees through the years. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 34668 | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | N/A | 6457119 |
|
2024-12-16 | 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. | RI | 02909 | Web | 2024-12-16 | In progress | Yes | N/A | 11166524 |
||||
2024-12-16 | 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. | GA | 30052 | Web | 2024-12-16 | In progress | Yes | N/A | 11166012 |
||||
2023-11-01 | Credit reporting 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32068 | Consent not provided | Web | 2023-11-01 | Closed with non-monetary relief | Yes | N/A | 7784934 |
||
2023-11-02 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | Alliant Capital Mangement LLC has been calling after being told to stop verbally. Not only have they been calling me but they are calling my employer and harassing family members by calling them numerous times using different phone numbers. | Alliant Capital Management LLC | NY | 10462 | Consent provided | Web | 2023-11-02 | Closed with explanation | Yes | N/A | 7784936 |
||
2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Experian Information Solutions Inc. | PA | 190XX | Web | 2024-12-20 | In progress | Yes | N/A | 11221639 |
||||
2023-03-03 | 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 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, account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX, account # : XXXX Account name : XXXX XXXX XXXX XXXX account # : XXXX Account name : XXXX XXXX XXXX XXXX account # : XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 | 34787 | Consent provided | Web | 2023-03-03 | Closed with explanation | Yes | N/A | 6644956 |
|
2023-03-08 | 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. | KS | 67601 | Consent not provided | Web | 2023-03-08 | Closed with non-monetary relief | Yes | N/A | 6665523 |
||
2024-12-21 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | DISCOVER BANK | FL | 33022 | Web | 2024-12-21 | Closed with non-monetary relief | Yes | N/A | 11238258 |
||||
2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Experian Information Solutions Inc. | TX | 77502 | Web | 2024-12-24 | In progress | Yes | N/A | 11252596 |
||||
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. | MA | 01603 | Web | 2024-12-24 | In progress | Yes | N/A | 11252603 |
||||
2024-12-16 | 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10457 | Web | 2024-12-16 | In progress | Yes | N/A | 11166035 |
||||
2023-10-22 | Credit card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I saw charges on my Wayfair credit card/account that were not made by me. I emailed XXXX XX/XX/23, no response.
I heard back on XX/XX/23 that there was no balance on the account and account was in good standing with NO errors she said she even opened up a ticket with the finance dept. On XX/XX/23 they try to email me and say they over refunded me and I owe them money.
The document attached will show I emailed over 6 times between XXXX asking if account was fine & they continued to look into it, state it was fine. Their error is THEIR error. I will not be paying the over-refunded money. They can pay it & close my credit card because the account IS PAID OFF. Also, resolutions management XXXX lies & states there is no communication found in regards to this matter. LENGTHY communication attached since XX/XX/23 showing no responses back from resolutions manager, stating my account is fine and no errors, etc.
Their XXXX response to my complaint all 3 times is a copy and pasted response stating that I need to communicate with XXXX about the issue ( WHICH I DID FOR WEEKS ). XXXX are the ones that told me my account was fine multiple times. I specifically spoke with XXXXXXXX XXXX XXXX from that department.
Their copy & pasted response on XXXX also state that this is about a product that has defects. They are not even opening & reading the complaint. I have tried since XXXX to get this resolved, MY portion is paid off, I want my account closed and I am not responsible for a charge that they put on my account for no services in return & was a mistake on their end. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | WI | 53090 | Consent provided | Web | 2023-10-22 | Closed with explanation | Yes | N/A | 7740485 |
|
2024-12-24 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Experian Information Solutions Inc. | CA | 93309 | Web | 2024-12-24 | In progress | Yes | N/A | 11252096 |
||||
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. | NC | 27571 | Servicemember | Web | 2024-12-24 | In progress | Yes | N/A | 11252097 |
|||
2023-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I called Experian on XXXX XXXX XXXX XXXX to have incorrect/transposed legal names removed from my Experian credit report. Experian removed multiple names like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and four other incorrect/transposed names but they will not remove XXXX XXXX XXXX XXXX which is not my name.
The only name that should be on my report should be XXXX XXXX XXXX XXXX. Thank you for your time! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 43068 | Consent provided | Web | 2023-01-25 | Closed with non-monetary relief | Yes | N/A | 6423881 |
|
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 | 77578 | Web | 2024-12-24 | In progress | Yes | N/A | 11252413 |
||||
2024-12-21 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | Resurgent Capital Services L.P. | GA | 30046 | Web | 2024-12-21 | In progress | Yes | N/A | 11227201 |
||||
2024-12-16 | 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91402 | Web | 2024-12-16 | In progress | Yes | N/A | 11166405 |
||||
2023-01-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I had a Discover card that was closed after many years of service due to an improper charge. I received a new card and online I completed the autopayment option for a bank account at XXXX bank. The online portal showed it was accepted. I received my bill and it now shows the payment did not go through and I have been charged a " returned check fee ''. I was informed on their site that the payment was made. It is not my fault it was not. I have now contacted Discover Card and I am told their " payment system is currently down '' and I still can not make a payment. I should not be charged a returned check fee and I should be able to pay my bill without incurring these additional charges because their computer system is down. I have closed my account and I am trying to make payment but now I am also locked out of the system because my account is in closed status. I am XXXX XXXX XXXX and I am trying to just pay my bill as I intended by setting up auto payments. I have taken screen shots of my online exchanges which they admit their payment system is down. Please help me. | DISCOVER BANK | DC | 200XX | Older American | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | N/A | 6458906 |
|
2023-10-22 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | TX | 77327 | Consent not provided | Web | 2023-10-22 | Closed with non-monetary relief | Yes | N/A | 7736238 |
|||
2023-10-22 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | WA | 98596 | Consent not provided | Web | 2023-10-22 | Closed with explanation | Yes | N/A | 7736554 |
|||
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 my several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | EQUIFAX, INC. | CA | 92591 | Consent provided | Web | 2023-01-14 | Closed with explanation | Yes | N/A | 6434951 |
||
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 | EQUIFAX, INC. | GA | 30067 | Other | Web | 2023-03-09 | Closed with explanation | Yes | N/A | 6664317 |
|||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | EQUIFAX, INC. | TX | 77054 | Web | 2024-12-21 | In progress | Yes | N/A | 11238279 |
||||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | EQUIFAX, INC. | CA | 92660 | Web | 2024-12-21 | In progress | Yes | N/A | 11238287 |
||||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Experian Information Solutions Inc. | NY | 11216 | Web | 2024-12-21 | In progress | Yes | N/A | 11229506 |
||||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | LD Holdings Group, LLC | MI | 480XX | Web | 2024-12-21 | In progress | Yes | N/A | 11238187 |
||||
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. | NV | 89142 | Web | 2024-12-24 | In progress | Yes | N/A | 11252588 |
||||
2024-12-21 | Credit card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91709 | Web | 2024-12-21 | In progress | Yes | N/A | 11238593 |
||||
2024-12-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | CBC Companies, Inc. | TX | 77058 | Web | 2024-12-23 | Closed with non-monetary relief | Yes | N/A | 11252682 |
||||
2024-12-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | CBC Companies, Inc. | NV | 89101 | Web | 2024-12-23 | Closed with non-monetary relief | Yes | N/A | 11252579 |
||||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Resurgent Capital Services L.P. | CA | 90302 | Web | 2024-12-21 | Closed with explanation | Yes | N/A | 11238636 |
||||
2023-10-22 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I've never been late on my accounts. Remove all late payment entries 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 However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. Thank you for your assistance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33351 | Consent provided | Web | 2023-10-22 | Closed with non-monetary relief | Yes | N/A | 7736784 |
|
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33765 | Web | 2024-12-21 | In progress | Yes | N/A | 11227724 |
||||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | EQUIFAX, INC. | GA | 30326 | Web | 2024-12-21 | In progress | Yes | N/A | 11238798 |
||||
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. | LA | 70127 | Web | 2024-12-19 | In progress | Yes | N/A | 11222159 |
||||
2024-12-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92503 | Web | 2024-12-23 | In progress | Yes | N/A | 11252679 |
||||
2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 15001 | Web | 2024-12-20 | In progress | Yes | N/A | 11221654 |
||||
2024-12-22 | Checking or savings account | Checking account | Closing an account | Company closed your account | WELLS FARGO & COMPANY | CA | 90046 | Web | 2024-12-22 | In progress | Yes | N/A | 11247467 |
||||
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. | MO | 63366 | Web | 2024-12-19 | In progress | Yes | N/A | 11222714 |
||||
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. | FL | 33313 | Web | 2024-12-19 | In progress | Yes | N/A | 11217019 |
||||
2024-12-20 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | EQUIFAX, INC. | CA | 94603 | Web | 2024-12-20 | In progress | Yes | N/A | 11221233 |
||||
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. | WV | 258XX | Web | 2024-12-19 | In progress | Yes | N/A | 11222677 |
||||
2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33351 | Web | 2024-12-19 | In progress | Yes | N/A | 11222635 |
||||
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. | WA | 98087 | Web | 2024-12-19 | In progress | Yes | N/A | 11217249 |
||||
2024-12-19 | 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78112 | Web | 2024-12-19 | In progress | Yes | N/A | 11217255 |
||||
2024-12-21 | 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 | Experian Information Solutions Inc. | TX | 77494 | Web | 2024-12-21 | In progress | Yes | N/A | 11238964 |
||||
2024-12-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MN | 56347 | Web | 2024-12-19 | In progress | Yes | N/A | 11214053 |
||||
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. | MO | 64133 | Web | 2024-12-19 | In progress | Yes | N/A | 11217278 |
||||
2024-11-13 | 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 | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79938 | Consent provided | Web | 2024-11-13 | Closed with non-monetary relief | Yes | N/A | 10782504 |
|
2024-12-16 | Debt collection | I do not know | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NE | 68111 | Web | 2024-12-16 | In progress | Yes | N/A | 11165535 |
||||
2024-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30319 | Web | 2024-12-16 | In progress | Yes | N/A | 11165870 |
||||
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 | 312XX | Web | 2024-12-20 | In progress | Yes | N/A | 11235286 |
||||
2023-03-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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 XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XX/XX/XXXX {$2300.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$780.00} 15 USC 1681 Section 602 A- States I have the right to privacy.
15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MN | 55443 | Consent provided | Web | 2023-03-08 | Closed with non-monetary relief | Yes | N/A | 6665143 |
|
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. | IN | 46226 | Web | 2024-12-19 | In progress | Yes | N/A | 11212744 |
||||
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. | OH | 43103 | Servicemember | Web | 2024-12-19 | In progress | Yes | N/A | 11212965 |
|||
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. | NC | 27284 | Web | 2024-12-19 | In progress | Yes | N/A | 11214129 |
||||
2024-12-19 | 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11367 | Web | 2024-12-19 | In progress | Yes | N/A | 11217807 |
||||
2024-12-21 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PR | 00795 | Web | 2024-12-21 | In progress | Yes | N/A | 11226915 |
||||
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. | CA | 902XX | Servicemember | Web | 2024-12-19 | In progress | Yes | N/A | 11217317 |
|||
2024-12-16 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian Information Solutions Inc. | CA | 92109 | Web | 2024-12-16 | In progress | Yes | N/A | 11166704 |
||||
2022-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90715 | Consent not provided | Web | 2022-08-22 | Closed with non-monetary relief | Yes | N/A | 5906500 |
||
2023-11-15 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I trust this letter finds you well. I am writing to express my deep dissatisfaction and frustration with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple attempts and extensive communication, the fraudulent entries persist, adversely affecting my creditworthiness and causing significant distress.
Over the past several months, I have made repeated efforts to rectify the fraudulent information on my credit report by following the procedures outlined by your organization. I have submitted the required documentation, filed disputes, and contacted your customer service representatives on numerous occasions. However, to my dismay, the fraudulent items remain on my credit file, casting a shadow over my financial standing.
I understand that addressing cases of fraud can be a complex process, and I appreciate the importance of thorough investigation. However, the prolonged delay and apparent lack of progress in resolving this matter have left me feeling helpless and victimized. The impact on my ability to secure credit, favorable interest rates, and other financial opportunities is substantial and unjust.
I request an immediate and comprehensive review of my case, with a focus on expediting the removal of the fraudulent items from my credit file. I have attached copies of the supporting documentation previously submitted for your reference. I believe in the integrity of the credit reporting system and trust that your organization is committed to rectifying inaccuracies promptly.
Furthermore, I request regular updates on the progress of the investigation and the steps being taken to address this issue. Timely communication is crucial to maintaining transparency and ensuring that I am informed of any developments in the resolution process.
If the fraudulent items are not promptly removed from my credit file, I XXXX have no choice but to seek legal advice and escalate this matter to relevant regulatory authorities. I hope it does not come to that, and we can resolve this issue amicably and expeditiously. I am asking for your assistance to remove the fraud items in my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | EQUIFAX, INC. | TX | 76063 | Consent provided | Web | 2023-11-15 | Closed with non-monetary relief | Yes | N/A | 7852602 |
||
2024-10-22 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The following accounts were fraudulently opened under my name : XXXX XXXX XXXX loan of {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX amount of {$940.00} XXXX XXXX XXXX XXXX Collection amount of {$1000.00} XXXX XXXX Credit Card Balance of {$550.00} In accordance with my rights under federal law, I request the immediate removal of these accounts based on the provisions outlined in the following statutes : 15 U.S. Code 1692c This section addresses communication in connection with debt collection, particularly prohibiting communications regarding debts that have not been legitimately incurred by the consumer.
15 U.S. Code 1602 ( p ) This section defines the terms related to consumer protection, specifying unauthorized transactions.
15 U.S. Code 1601 This provides the basis for consumer credit protection and outlines the need for fair and accurate credit reporting. These laws exist to protect individuals like myself from fraudulent financial activity and to prevent the continued damage caused by unauthorized accounts.
As I am a victim of identity theft, these accounts have been opened fraudulently, and I bear no responsibility for the debts or actions related to these accounts. I have already taken steps to report this identity theft to the appropriate authorities and agencies, including filing a police report and notifying the Federal Trade Commission ( FTC ). Copies of these documents can be provided if necessary.
I kindly request that the CFPB facilitate the removal of these accounts from my credit report and ensure that these creditors and collection agencies cease all attempts to collect on these fraudulent debts. This situation has caused significant financial and emotional distress, and I hope for a swift resolution to restore my credit and peace of mind.
Thank you for your time and assistance in this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 22309 | Consent provided | Web | 2024-10-22 | Closed with explanation | Yes | N/A | 10521165 |
Subsets and Splits