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2022-04-01 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT. | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | FL | 33617 | null | Consent provided | Web | 2022-04-01 | Closed with explanation | Yes | null | 5,395,650 |
2019-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/XXXX I financed a vehicle with XXXX with a co-signer. XX/XX/XXXX I sold the vehicle to a private buyer for the pay off amount of {$10000.00} ( 10 day payoff provided by XXXX ). I sent two different checks. One for {$10000.00} and one for {$290.00} ( made the check for a little bit more than payoff ). I sent these checks with tracking to make sure it got there. After a few days it said the check had arrived at XXXX XXXX financing department but they said they never got anything. XXXX said they still could not find the checks so they suggested to cancel the checks and get new ones. So thats what I did. They said {$10000.00} was still enough to cover the payoff. I then received a payoff letter that stated the vehicle was paid in full and Delaware title with the lien released signed by XXXX by mail that was dated XX/XX/XXXX ( I will attach all of these documents ). When I opened the account I set up automatic payments, once I recieved the title and payoff letter I then canceled the automatic payments because the vehicle was paid in full. XX/XX/XXXX we received a statement from XXXX that said {$0.00} was due but the principle balance was {$270.00}. After the second or third time this letter came my dad/step mom called XXXX to ask why the letter was still being sent if it was paid in full and about the principle balance. XXXX said that if you received a payoff letter/title then the car is paid in full, so after that we didn't think anything of it but we were still receiving these letters and eventually stopped opening them. XX/XX/XXXX my dad gets a call saying you have a past due amount that is due immediately and late fees have been charged since XX/XX/XXXX. Hearing this I immediately thought this was a scam ... how can you tell someone they owe $ 300+ over three years later after XXXX told me the car was paid in full and I received title/payoff letter. I called them several times to fix this problem and everyone was extremely rude. I talked to one supervisor and she kept cutting me off saying would you like to pay the amount today because we are adding another late fee and then sending you to collections and then hung up. It took 10 days to receive a call from the head person of XXXX finance. I told him my situation and his response was " you owe the money ... .as soon as our customers say they are paying the vehicle off we automatically start getting titles/payoff letters ready in hopes we have loyal trustworthy customers ''. He then proceeds to tell me the check bounced and was put back in my checking account ... the {$290.00} was a money order, therefore nothing would bounce back into my checking account. His next excuse was well you stopped your automatic payments. Mind you, I stopped them when I received a title/payoff letter. Nothing XXXX says adds up and they are making different stories up. I should not have to owe them anything with a payoff letter/title. I then filed a dispute with XXXX, XXXX, and Experian on XX/XX/XXXX through XXXX XXXX. All three bureaus said it would take 30 days to process and I notified them all that I would be sending documents to support my dispute via mail. By XX/XX/XXXX I received emails that my dispute was completed and updated as accurate information. My credit score then went from XXXX to XXXX and my payment history went from 100 % to 99 %. I then made another dispute for all three bureaus again and contacted them by phone and let them know they didn't give enough time for me to even send over my documents to support my dispute. All three bureaus came back with accurate information and nothing changed. I got nervous because of my credit score dropping so much and I paid XXXX {$320.00} ( only help they would give me was one late waive fee charge ). I called XXXX and filed a dispute with them last week and asked them to take the late payment off of my credit report. I simply said I shouldn't have had to owe you any money in the first place because your company messed up somewhere but you won and got your money so I would appreciate if you do me the favor and contact the bureaus and taking that off my credit. The customer service representative agreed with me and said I would receive a letter with their decision via mail soon. Yesterday, I received a letter from XXXX that said the information was accurate so there is no change necessary. I am getting no where with either XXXX or the credit bureaus and this should not have been my fault. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DE | 199XX | null | Consent provided | Web | 2019-02-13 | Closed with explanation | Yes | null | 3,151,281 |
2015-06-10 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Don't agree with fees charged | Hello! I am a " graduate '' of XXXX ( XXXX location ). I graduated in XX/XX/2010. The school was XXXX of the worst experiences of my life. It started on my first day, during orientation, found a forged signature on a document that I 'd never seen. I had my life threatened multiple times, teaches threatening to not let me graduate due to a little facial hair stubble, among many other things .... its hard to explain how terrible this place was. Lies everywhere about post-school work, pay, and life. The school is now gone, closed, and was a pointless +- {$32000.00}. I graduated with a little piece of paper and a huge debt. XXXX colleges has gone away, and so has any credibility of me going to XXXX. I 've paid all but about {$5000.00} of my school loans. There have been multiple reports on loan forgiveness and loan reimbursement. The non-federal loans are paid off due to the 18+ % interest. The {$5000.00} left is for the federal loans. I 've never missed a payment, and have tried VERY hard to make ends meet with this debt. The private loan company is Genesis Lending and they told me to contact you. Their loan amount was around {$13000.00}. I need some help here, XXXX Colleges fraud has null and voided any meaning of me going to XXXX. The school/my " training '' is just a big joke to employers now. Thanks for reading this. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Genesis Lending | OR | 97030 | null | Consent provided | Web | 2015-06-10 | Closed with explanation | Yes | No | 1,415,178 |
2023-03-22 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | XX/XX/2023 - I made a payment of {$650.00} to my Citi Double Cash Credit Card account from my XXXX Checking account. It took a few days to process, but there was no notification of the payment failing from Citi to me.
XX/XX/2023 - I logged into the Citi Double Cash Credit Card account and saw that I had chosen the wrong account by mistake. I immediately made a payment for the same amount, but from my XXXX checking account, which the payment was originally supposed to be made from.
XX/XX/2023 - The account was closed on my end when I logged into the account. At this point, I never missed a payment, and I paid the majority of my balance off well in advance of the statement being sent, as well as before the due date. I immediately called Citi to see what was going on, and they informed me that the account was closed because of the returned payment. As I mentioned, I was very confused because I gave them no reason to close my account based on my account history. My payment history is attached, which shows my large payments I frequently made to keep the account balance low ; my account also had no late payments. This made no sense for them to close my account, especially after I made a payment and contacted the to explain the mix-up.
XX/XX/2023 - A letter was issued to me from Citi stating that the account had a return payment and I should " make a replacement payment right away. '' By this time, I had already made a payment and contacted them regarding it. The fact that this letter is dated XX/XX/2023, after I've already made the payment that cleared my XXXX Bank, made me aware of the negligence and poor banking practices of Citi and that they were fabricating a reason to drop me as a customer.
XX/XX/2023 - I was issued a letter stating that the account has been closed because of the one returned payment. I had to wait for this letter from the customer service department because I was told it would allow me to call back to see if I was able to get the account restored. Once I received it, I gave them a call. They asked for income information to get the account restored. They did not pull a credit report during this call because they said it wasn't necessary, given the prompts the agent had on their computer for the restoring of the account. This information was sent to their team to review, and I was told to wait for a letter in the mail.
XX/XX/2023 - They issued a letter stating they were unable to open my account because " your credit report showed paid or unpaid delinquent credit obligations ''. They did not pull a credit report to obtain that information and they did not have my permission to do so. Nevertheless, anything there was on my current credit report was there before I opened the credit card with them, so the information they stated in the letter was false, and they truly had no reason to close the account.
The day I found out the account was closed, which was about 2 weeks before I received notification of the account being closed, I had no access to the account. They made me wait for letters in the mail, as I explained. So when I called them today ( XX/XX/2023 ) to get this account paid off since they were not reopening the account, I was charged a late fee for a payment I had no knowledge of. They did not send me a statement, and I was unable to access the account. I went ahead and paid the account off in full today as well.
I will be closing any other accounts with them and will never do business with them again. It has been a ridiculous journey with this company and their horrible customer service, having multiple times I was hung up on intentionally, had bad attitudes, not being transferred to managers, and being given the wrong number to speak with agents in the US. This happened more than 5 times on separate occasions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | DC | 20001 | Servicemember | Consent provided | Web | 2023-03-22 | Closed with explanation | Yes | null | 6,733,681 |
2018-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have an an account with XXXX XXXX Since XXXX of 2016 and have always done monthly payments of {$200.00} to them. I always call and send that exact amount every time and it never changes. Next thing i see i get a 30 dyas late on my credit report from XXXX XXXX on my credit report for {$11.00}. I do n't understand what was going on. i was never notified that there was a difference in the monthly payment that month or that there was a remaining balance. Money is n't an issue for me as i work very hard to pay all my bills. Now my credit is hurt over {$11.00}. I am asking out of goodwill if this can be adjusted and fixed so i do n't have a discrepancy on my report over {$11.00}, If i need to pay the {$11.00} or any other balance up front i will have no problem doing so. Please advise as i am shopping for a new home but now the underwriters are telling me that because of my late payment on my credit report it may not be possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33186 | null | Consent provided | Web | 2018-01-04 | Closed with explanation | Yes | null | 2,771,947 |
2023-01-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I demand these account be removed immediately! These accounts have violated my rights to privacy pursuant to USC 15 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXX have violated my right and I sent them multiple cease and desist letters without prevail. Make sure they receive them and delete these accounts of my consumer report! 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.
Attached is the cease and desist letters for both companies! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30087 | null | Consent provided | Web | 2023-01-18 | Closed with non-monetary relief | Yes | null | 6,455,545 |
2020-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have a credit card from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX with no successful resolution. XXXX, XXXX, and TransUnion reporting me 60 days late. There was an error on their part. I was never 60 days late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90049 | null | Consent provided | Web | 2020-12-21 | Closed with explanation | Yes | null | 4,025,117 |
2023-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | incorrect information disputed with all major bureaus and creditors no dispute investigation was opened and no results | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91605 | null | Consent provided | Web | 2023-08-03 | Closed with non-monetary relief | Yes | null | 7,348,040 |
2019-06-10 | Credit card or prepaid card | Store credit card | Struggling to pay your bill | Credit card company won't work with you while you're going through financial hardship | I opened a charge account with XXXX XXXX XXXX on XX/XX/2018 and due to some medical issues I missed XXXX payment | null | CARMEL FINANCIAL CORPORATION, INC. | NY | 11224 | null | Consent provided | Web | 2019-06-10 | Closed with explanation | Yes | null | 3,269,543 |
2019-08-08 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | frequent robo calls. they say to contact Radius Global Solutions at XXXX.
I have no debt nor have I ever used or had contact with this company. | null | Radius Global Solutions LLC | OR | 974XX | Older American | Consent provided | Web | 2019-08-08 | Closed with explanation | Yes | null | 3,334,034 |
2017-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have state tax liens that have been paid and show on my credit reports as " released ''. I have tried to have these removed, unsuccessfully. The state of GA, does not get involved with the removal of these. I feel they should be removed. Thank you for your help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30152 | null | Consent provided | Web | 2017-10-01 | Closed with non-monetary relief | Yes | null | 2,689,903 |
2019-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have never applied for credit with XXXX XXXX. I ask that this matter is investigated and the Hard Inquiry removed from my credit file. | null | EQUIFAX, INC. | GA | 30260 | null | Consent provided | Web | 2019-02-15 | Closed with explanation | Yes | null | 3,153,803 |
2019-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | We bought our house in XX/XX/2018 loan from Aurora finance, We never got any mortgage payment information. On XX/XX/XXXX they emailed us saying the mortgage interest statement was not delivered. they asked as the right address, so we though ok from now we might get all the mails, They still did not let us know the loan was sold to another company, we did not gt any good bye letter from Aurora.
On XX/XX/XXXX night we get a CREDIT alert for mortgage being added to our credit and late payment. From which we come to know the loan has been sold to XXXX, we call XXXX the very next day and pay the whole amount which was pending.
Our credit is down by 280 points because of this.
We have this complaint against Aurora finance for 1> not letting us know the company they sold our loan 2> after learning they had the wrong address they did not let XXXX know about this.
3> affected our credit score and not taking any action to let us know or clear this. | Company disputes the facts presented in the complaint | Aurora Financial, LLC | NJ | 07751 | null | Consent provided | Web | 2019-04-03 | Closed with explanation | Yes | null | 3,193,847 |
2023-09-10 | 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 | I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90034 | null | Consent provided | Web | 2023-09-10 | Closed with explanation | Yes | null | 7,524,128 |
2018-11-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Fraud on account. The creditors disappeared last month and then came back. I spend over 3 hours everyday on phone with the scam artists at TransUnion. They need to remove the following.
Inquiries : XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Last 4 of social -XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10128 | Servicemember | Consent provided | Web | 2018-11-14 | Closed with explanation | Yes | null | 3,074,558 |
2021-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am apply under the Cares act - because of the pandemic I lost my job and unable to maintain the payment to this account XXXX XXXX XXXX Account number XXXX. Please remove the account from all three of my credit bureaus so I may proceed to improve my financial situation. I am requesting relief under the Cares act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77004 | null | Consent provided | Web | 2021-11-17 | Closed with explanation | Yes | null | 4,920,340 |
2022-09-04 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | Collection Agency PACIFIC CREDIT EXCHANGE XX/XX/2021 Account Number # # # # # # # # # # # # # XXXX {$4600.00} that I owe I have never signed any written document saying that i owe this debt to this collector.
they are violation my right of the FCRA as a consumer.
I do not know who they are and not written consent from my end.
also, they have not verified that I owe this debt to this alleged company.
Please have this removed from all three credit bureaus.
XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Pacific Credit Exchange Corporation | TX | 77373 | null | Consent provided | Web | 2022-09-04 | Closed with explanation | Yes | null | 5,948,822 |
2023-03-06 | 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.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | FL | 33578 | null | Consent provided | Web | 2023-03-06 | Closed with explanation | Yes | null | 6,654,923 |
2017-09-10 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I opened an account with Chase Bank on XXXX XXXX, XXXX. I set up direct deposit with my employer, the City of XXXX XXXX, the week of XXXX XXXX. Because of the processing time involved with switching direct deposit accounts, I received a paper paycheck on XXXX XXXX.
I went to Chase Bank on XXXX XXXX to deposit the check. The teller informed me that the check would be held, but that he could not tell me how long the check would be held for until it was deposited. Thinking that the delay would be at most, two or three days, I deposited the check.
After I depositing the check, I was told that it would be held until XXXX XXXX. Obviously, holding my paycheck for over a week was both unusual and highly inconvenient for me. I called the customer service line the following day, and I was told that due to the check not verifying, my account had been " restricted ''.
The representative tried calling my employer to verify that the check had been issued, but could not reach them. When I asked why the check was held in the first place, I was told that it was because my account was new.
I called again and the representative I spoke to tried to call the issuing bank. I was then told that the issuing bank would not verify that the check would clear over the phone. Because of this, I was told that the check must be held until XXXX XXXX and that I had no recourse, even if my employer verified the check was issued. I was told that the check was held not because it was a new account, but because it could not be verified through the process used for all checks.
I explained to the representative that the check in question was my paycheck, and that holding it for over a week would make it difficult for me to pay bills I had due, and asked if there was anything I could do to remedy the situation. I was told explicitly that I could n't do anything except wait until the XXXX. | null | JPMORGAN CHASE & CO. | NJ | 07302 | null | Consent provided | Web | 2017-09-10 | Closed with explanation | Yes | null | 2,663,774 |
2021-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have tried to fix my issue with XXXX numerous times concerning my credit report. They are reporting numerous accounts that are inaccurate and unverified. I have looked at all 3 credit bureau reports and noticed XXXX is reporting the views on the cumberland was opened on XX/XX/2016. Then on my Transunion report I have that it was opened on XX/XX/2016. None of the dates match up on my credit report. They should all say the same exact thing. Every date from the date it was opened until the day it was closed or charged off should be the same. I wanting this account removed immediately from all 3 credit bureaus for reporting inaccurate information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37130 | null | Consent provided | Web | 2021-03-23 | Closed with explanation | Yes | null | 4,240,458 |
2023-02-03 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | I opened an Associated Bank checking account on XXXX XXXX XXXX. I made an initial deposit of {$25.00} through a transfer from my XXXX XXXX XXXX account. A few days after this my AssociateXXXX Bank account was locked and my online access blocked. I talked to a representative who said I will receive a call/communication regarding the block from a bank representative. I never received a call or any explanation and then received a letter in mail on XX/XX/XXXX saying that my account has been canceled due to fraudulent activity. I have not yet received my {$25.00} in deposits that was made in XX/XX/XXXX. I would like to get my funds back immediately with the owed interest. For anyone else who is reading this review, run far far away from doing any business with this bank. They don't deserve it. | null | ASSOCIATED BANC-CORP | IN | 46032 | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,530,974 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have violated my privacy rights as a consumer.
I have a right to privacy 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | TX | 752XX | null | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,049,779 |
2021-04-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$5600.00}, {$2100.00}, {$4800.00}, {$830.00}, {$0.00}, {$47000.00}, {$0.00}, {$13000.00}, {$200.00}, {$3100.00}, {$6600.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account.
2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account.
3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account.
4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4800.00} -This is not my account.
5. XXXX XXXX USA/TARGETCRED with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account.
6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
-- XXXX XXXX 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$47000.00} -This is not my account.
8. XXXX XXXX SERVICES with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
-- XXXX ACCOUNT 9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
-- COLLECTION ACCOUNTS 10. I. XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account.
11. XXXX XXXX SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6600.00} -This is not my account. | null | EQUIFAX, INC. | CA | 92833 | null | Consent provided | Web | 2021-04-10 | Closed with explanation | Yes | null | 4,286,173 |
2021-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I AM A CONSUMER AS IDENTIFIED IN FDCPA 15 USC 1692A ( 3 ) AND I HAVE A RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 ( A ) ( 4 ). YOU, XXXX ARE IN VIOLATION 15 USC 1681i ( 7 ) and 15 USC 1681i ( 6 ), FAILURE TO PROVIDE NOTICE AND RESULTS OF REINVESTIGATION PROCEDURES. PLEASE RESPOND IN 15 DAYS TO INFORMATION PROVIDED IN ATTACHMENTS. | null | EQUIFAX, INC. | DC | 20020 | null | Consent provided | Web | 2021-09-13 | Closed with explanation | Yes | null | 4,713,674 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76549 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,955,861 |
2020-05-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | inaccurate information is being reported on my credit report. it is affecting my credit and credit scores. | null | EQUIFAX, INC. | TX | 77090 | null | Consent provided | Web | 2020-05-24 | Closed with explanation | Yes | null | 3,666,667 |
2022-03-21 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I stayed at the XXXX XXXX XXXX XXXX for XXXX nights. Each night was reserved and paid for separately using 3 separate virtual charge cards and paid for the same night room was reserved. I had used my destiny charge card to pay for the {$100.00} incidental deposit that the hotel requires to be paid upon checking in which is then returned after checking out. Below are the 3 nights and charges made on the 3 separate virtual charge cards : XXXX In XX/XX/XXXX XXXX out XX/XX/XXXX - {$79.00} XXXX In XX/XX/XXXX XXXX out XX/XX/XXXX - {$64.00} XXXX In XX/XX/XXXX XXXX Out XX/XX/XXXX - {$67.00} Fast forward to late XXXX... I log online to view my Destiny credit card statement to find that XXXXXXXX XXXX had not returned my {$100.00} incidental deposit but instead charged my card twice in amounts unknown to me. One charge was for {$140.00} & the other for {$520.00}. I couldn't reach anyone on phone at the hotel so I ended up going down there and the lady at front desk wasn't even able to tell me what the charges were exactly for but was able to print everything out for me and gave me a number to call for accounting. I attempted a few times to call the number she gave me but was not able to ever get ahold of anyone in accounting at the hotel. I then contacted Destiny / Genesis customer service within the 60 days of charges being posted to my account and I ended up submitting a dispute in regards to these charges because I'm confused to what these charges are from and why I was charged these amounts instead of being reimbursed my {$100.00} deposit. After about 30 days I hadn't heard or received anything in regards to the dispute so I contacted Destiny and was told the charges were still being investigated. As More and more time had passed I still hadn't received anything on the outcome of my dispute so I contacted Destiny again. This time I was told by the rep that the investigation was completed and that they will mail me their findings. I asked if she could verbally let me know what the outcome was and what charges were for but she couldn't. So I confirmed my mailing address and have been looking for something ever since. But as of today ( has been well over 30 days now ), I have yet to receive anything in the mail ( I typically throw what may seem to be junk mail away without opening but have been opening every single piece of mail receive just in case ). Well, Now I'm past my 60 day dispute time and past the 15 days to appeal whatever discussion had been made based on their findings made and the charges are still reflecting in the balance I owe to destiny. I am now not sure if there is anything I can do to fight these two charges bc of the timing and even though I know I shouldn't of, I've stopped paying my monthly bill to destiny. PLEASE, I NEED TO KNOW WHAT OPTIONS I HAVE TO CONTINUE WITH TRYING TO GET THESE CHARGES RESOLVED ( AND KNOW EXACTLY WHAT THESE CHARGES COULD POSSIBLY EVEN BE FOR ). THANK YOU IN ADVANCE FOR YOUR TIME AND ASSISTANCE WITH THIS MATTER. | null | Genesis FS Card Services, Inc. | LA | 70003 | null | Consent provided | Web | 2022-03-22 | Closed with explanation | Yes | null | 5,349,740 |
2023-05-01 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I have been trying to get my credited amount of XXXX dollars on my account since XXXX of XXXX to no avail.
Purchase made in XXXX of XXXX in the amount of XXXX to a credit card from Bank of America. Total balance was paid off in XXXX of XXXX.
I was notified in XXXX that this was a fraudulent transaction and began the process of reporting this to B of A and to get it resolved.
Received a letter on XX/XX/XXXX to let me know B of A was working on my request and to send any information that I had to support my case. That information was sent.
Next letter came on XX/XX/XXXX that they needed my signature to continue. Signed on XX/XX/XXXX and sent back to them.
Next letter received on XX/XX/XXXX that they were working on the claim.
Next letter received on XX/XX/XXXX they were going to temporarily credit my account in the amount of XXXX dollars. Which they did but this went into a new account number.
Next letter dated XX/XX/XXXX said " the pending transactions I reported as suspicious never posted to my account. '' Which it had as by the enclosed statement from XXXX XXXX XXXX XXXX and was paid off. Therefore they consider my account resolved. This now shows a XXXX dollar credit in my new account and has every statement since to date.
I started calling customer service in the beginning of XX/XX/XXXX to get this money refunded to me. Told they would send but would take 10 to 21 days to receive.
Called again on XX/XX/XXXX since I did not receive it. Again I was told the same thing.
Called XX/XX/XXXX then the beginning of XXXX and spoke to XXXX and then to XXXX. At the end of XXXX I spoke to XXXX. On XX/XX/XXXX I spoke to XXXX after a few minutes I asked to speak to a manager who I was told was a XXXX XXXX. I only got relayed messages from her through XXXX. She did not allow me to speak directly to XXXX. Was told by all they would send me a check but would take 10 to 21 days.
I am now reporting this incident to you to see if I can get this resolved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MN | 55014 | null | Consent provided | Web | 2023-05-01 | Closed with explanation | Yes | null | 6,910,309 |
2020-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | After reviewing my annual credit report I noticed that you have violated the FDCPA as well as FRCA the required noticed of dispute is missing this information has to be enter within 30 days of a completed investigation or it has to be deleted from the consumer credit file Equifax and XXXX when XXXX XXXX XXXX remove this violation please send me a updated copy of a credit report | null | EQUIFAX, INC. | MN | 55311 | null | Consent provided | Web | 2020-07-12 | Closed with explanation | Yes | null | 3,741,734 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : Be advised that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that 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 or continue to report invalidated information to any of the three major credit bureaus ( Equifax, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such 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 legal counsel for suit. This includes any listing of any information to a credit- reporting repository that could be inaccurate or invalidated. If your offices fail 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.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
XXXX XXXX XXXX Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards XXXX XXXX XXXX Federal Trade Commission | null | EQUIFAX, INC. | TX | 78717 | null | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,249,387 |
2022-09-27 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/2022 I disputed a charge on my chime credit card.
On XX/XX/2022 Chime closed all of my accounts.
On XX/XX/2022 I received an email from the chime dispute team notifying me that there was a billing error and that {$1600.00} was refunded into my account. However, said account is closed and Ive been calling and emailing daily to see where the money is, I am not receiving answers. | null | Chime Financial Inc | PA | 179XX | null | Consent provided | Web | 2022-09-27 | Closed with explanation | Yes | null | 6,025,366 |
2017-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Chase Bank didd a hard credit pull on my account onXX/XX/XXXX, XX/XX/XXXX. I have asked them several times to provide verified authorization of the hard inquiry. They have yet to produce the verification and they told me they will not remove it from my credit report i am a victim of inquiry issues. I call all 3 CRA and they are not removing them after I have spoken to Chase rep XXXX XXXX credit bureau specialist on XX/XX/XXXXat the cooperate office who stated it would be resolved in 15 working days instead i am just accumulating more hard inquires. Pls have these removed it is affecting my credit report and all the CRA do not care because it is better business for them if I have poor credit | null | JPMORGAN CHASE & CO. | TX | XXXXX | null | Consent provided | Web | 2017-07-20 | Closed with non-monetary relief | Yes | null | 2,578,377 |
2023-03-22 | 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 | These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with.
15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. | null | Maximus Education, LLC dba Aidvantage | NY | 11207 | null | Consent provided | Web | 2023-03-22 | Closed with explanation | Yes | null | 6,725,914 |
2017-12-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XX/XX/XXXXask for information on how information was obtained and proof that debts where in fact mine and who collected this information and process this verification obtained I received a letter dated XX/XX/XXXXthat ALL INFORMATION WAS VERIFIED and not one item was confirmed with proof of verification as stated by federal law | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OR | 97206 | null | Consent provided | Web | 2017-12-24 | Closed with explanation | Yes | null | 2,763,474 |
2021-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE. | null | EQUIFAX, INC. | MS | 386XX | null | Consent provided | Web | 2021-01-04 | Closed with explanation | Yes | null | 4,045,486 |
2021-07-02 | Debt collection | Credit card debt | Communication tactics | Used obscene, profane, or other abusive language | I, XXXX XXXX, am a natural person and my place of abode is my location information as that term is defined by 15 USC 1692a ( 7 ).
I am a consumer as that term is defined by the FDCPA and RFDCPA.
Portfolio Recovery Associates is a debt collector as that term is defined by 15 USC 1692a ( 6 ).
Portfolio Recovery Associates is a debt buyer based in the XXXXXXXX XXXX XXXXXXXX, XXXX of Virginia.
I understand my rights as a consumer and know that Congress has enacted federal laws to protect me as a consumer. I have created this affidavit to put you on notice about the abusive debt collection practices of your company ( Portfolio Recovery Associates, LLC ) pursu
ant to 15 USC 1692a ( e ) and make you aware that you have invaded my individual privacy under 15 USC 1692a.
Within the last year, Portfolio Recovery Associates attempted to collect an alleged consumer debt from me.
On or around XX/XX/2021, Portfolio Recovery Associates created and mailed a letter ( Exhibit A ) stating that I owe a debt to my abode.
Portfolio Recovery Associates never obtained my direct consent to contact me or communicate with me at any time, but I received their communication via mail, which is a violation of 15 USC 1692c ( a ).
Portfolio Recovery Associates committed identity theft as defined by the FCRA, 15 USC 1681a ( q ) ( 3 ), when they acquired and used my identifying information without my direct consent to mail me Exhibit A.
Portfolio Recovery Associates violated 15 USC 1692c ( a ) ( 1 ) by sending Exhibit A at an unusual and inconvenient time.
Portfolio Recovery Associates violated 15 USC 1692b ( 5 ) of the FDCPA by using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when Portfolio Recovery Associates used their logo in the contents of Exhibit A.
Portfolio Recovery Associates violated 15 USC 1692d of the FDCPA by engaging in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, when Portfolio Recovery Associates stated that their company works with people to resolve their debts. We would love to do the same for YOU.
Portfolio Recovery Associates violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when Portfolio Recovery Associates demanded immediate payment from me.
Portfolio Recovery Associates violated 15 USC 1692e ( 2 ) ( A ) of the FDCPA by falsely representing the character, amount or legal status of any debt, when Portfolio Recovery Associates falsely represented the alleged debt, when Portfolio Recovery Associates stated that I have a positive balance of {$630.00}.
Portfolio Recovery Associates violated 15 USC 1692g ( a ) of the FDCPA by failing to send me a written notice that contained all 5 of the requirements under 15 USC 1692g ( a ) ( 1-5 ).
On XXXX XXXX XXXX, I received Exhibit B-G in the mail from Portfolio Recovery Associates.
Portfolio Recovery Associates violated 15 USC 1692b ( 5 ) of the FDCPA by using any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt, when the contents of the communication from Portfolio Recovery Associates contained the Capital One symbol.
Portfolio Recovery Associates violated 15 USC 1692f of the FDCPA by using unfair or unconscionable means in connection with the collection of an alleged debt, when Portfolio Recovery Associates engaged in the foregoing conduct. | null | PORTFOLIO RECOVERY ASSOCIATES INC | CA | 90044 | null | Consent provided | Web | 2021-07-02 | Closed with explanation | Yes | null | 4,512,700 |
2018-08-21 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | Few month 's ago on my Barclays luxury card statement i discovered they had been charges that was not authorized by me nor anyone else that i know. I immediately contacted Barclays bank and told them that i had opened my statement and noticed there has been charges on my credit card that was not authorized by myself and they asked me if i had lost my card or is it in my possation? i told them i had lost the credit card and do not have it in my possation, and they told me they are closing that particular account and issuing me a new card with a new account number also they told me i am not liable for any unauthorized charges all i need to do file a police report and send them a copy of the police report which i did. to my surprise i had received a letter stating that all charges on the statements are mine and i am liable for it. i immediately contacted Barclays bank again being very upset and i asked to speak to a supervisor and was told there is no supervisor on duty. and i talked to a representative and told them exactly what just happened and they told me that they are going to resubmit the claim. a few weeks later i had received a letter from them that my investigation was complete in my favor. two days later i received a letter that my claim was denied and as the result i am responsible for the unauthorized charges. i was so upset and a friend of mine told me to go online to CFPB and that why i am here now. please help me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | CA | 95050 | null | Consent provided | Web | 2018-08-21 | Closed with explanation | Yes | null | 2,997,111 |
2022-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX XXXX - # XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32301 | null | Consent provided | Web | 2022-12-20 | Closed with non-monetary relief | Yes | null | 6,343,886 |
2023-07-18 | 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 Number XXXX Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number XXXX has violated my rights. Or list of inquiries 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. | GA | 30294 | null | Consent provided | Web | 2023-07-18 | Closed with non-monetary relief | Yes | null | 7,277,194 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 06108 | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,285,245 |
2021-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | PA | 151XX | null | Consent provided | Web | 2021-02-26 | Closed with explanation | Yes | null | 4,168,326 |
2022-04-03 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Reached out to the company asked them to provide me proof of original contract bearing my signature asked for the address of the original creditor Also asked For proof from this debt collector That they Have proof that they own or have been assigned this debt to collect failed to send me any validation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | PA | 150XX | Servicemember | Consent provided | Web | 2022-04-03 | Closed with explanation | Yes | null | 5,399,633 |
2017-01-20 | Student loan | Federal student loan servicing | Can't repay my loan | Can't decrease my monthly payments | I contacted navient to to inquire about being able to lower my payment since I also have several'other student loans in repayment. They refuse to help me and say there is nothing they can do. Even after I tell them how much student loan debt I have they still state they can not help me in any way. | null | Navient Solutions, LLC. | TX | 76018 | null | Consent provided | Web | 2017-01-24 | Closed with explanation | Yes | No | 2,299,472 |
2021-02-01 | 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 | After carefully reviewing my credit report, I have noticed inquiries that I never authorized or applied for. I have heard of companys pulling your credit without permission and I know that it is not allowed. | null | EQUIFAX, INC. | PA | 15237 | null | Consent provided | Web | 2021-02-01 | Closed with explanation | Yes | null | 4,106,814 |
2022-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60440 | null | Consent provided | Web | 2022-07-20 | Closed with non-monetary relief | Yes | null | 5,791,154 |
2017-04-16 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : RECEIVABLES PERFORMANCE Account number XXXX | null | Receivables Performance Management, LLC | OH | 43209 | null | Consent provided | Web | 2017-04-16 | Closed with explanation | Yes | No | 2,436,786 |
2019-08-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | data breach caused the FTC violation fcra not know to me to the best of my knowledge XXXX XXXX XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 77083 | null | Consent provided | Web | 2019-08-31 | Closed with non-monetary relief | Yes | null | 3,359,679 |
2022-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | This is a formal complaint against Enhanced Recovery Company located in XXXX, FLORIDA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Enhanced Recovery Company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a XXXX and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. | null | ERC | TX | 77073 | null | Consent provided | Web | 2022-06-23 | Closed with explanation | Yes | null | 5,701,519 |
2017-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Hello- I have a student loan with Navient XXXX The account is reporting on my credit report twice. One I am paying and is current on and another that is closed. On XXXX XXXX, XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. Navient closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XXXX. I am requesting that the old loan be deleated from all 3 credit files.
Thanks! | null | Navient Solutions, LLC. | CA | 90717 | Servicemember | Consent provided | Web | 2017-11-19 | Closed with explanation | Yes | null | 2,733,246 |
2023-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again.
XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77449 | null | Consent provided | Web | 2023-07-10 | Closed with non-monetary relief | Yes | null | 7,227,992 |
2020-12-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | These 3 accounts are not mine and it keeps being reported on Experian. Please remove them I am not sure why they keep popping up on my credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89113 | null | Consent provided | Web | 2020-12-15 | Closed with explanation | Yes | null | 4,011,394 |
2023-01-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | For more than 5 months I am trying to fix the errors about some debts that appear in my name. I call the accounts and no one gives me information. I also made several disputes with the credit bureaus and none have been answered. there are XXXX accounts with different amounts. | null | EQUIFAX, INC. | FL | 33018 | null | Consent provided | Web | 2023-01-05 | Closed with explanation | Yes | null | 6,401,657 |
2023-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am requesting that you take appropriate action to investigate and remove them 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. | TX | 76036 | null | Consent provided | Web | 2023-05-11 | Closed with non-monetary relief | Yes | null | 6,965,957 |
2023-01-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX please 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 | Experian Information Solutions Inc. | FL | 33185 | null | Consent provided | Web | 2023-01-12 | Closed with explanation | Yes | null | 6,428,946 |
2023-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I went on XXXX XXXX XXXXXXXX on XXXX XX/XX/2023 and I noticed my personal information was incorrect. According to 15 USC 1681 everything on my consumer report has to be accurate 100 percent.Having incorrect information could hurt my chances of home ownership in the upcoming future. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NM | 88012 | Servicemember | Consent provided | Web | 2023-02-06 | Closed with explanation | Yes | null | 6,538,474 |
2021-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I have attempted to have an inaccurate bankruptcy account deleted from my Transunion credit profile on 2 various occasions ; XX/XX/2021 and on XX/XX/2021. I did so by requesting validation and method of verification of where this report was coming from on XX/XX/2021 and Transunion failed to present that information to me, only telling me that the account was verified WITHOUT providing me ANY documentation stating how this was verified nor who furnished the information. I asked again for this validation on XX/XX/2021 and also provided proof from the United States Bankruptcy Court of Eastern Wisconsin stating they did not verify this information and a statement from XXXX XXXX stating they deleted the erroneous record from their report as this record is not verifiable. With this bankruptcy not be verified, this account should be deleted. On XX/XX/2021 I received notice again from Transunion that they verified this information once before and would not reinvestigate NOR did they send me any documentation stating how or who verified this erroneous information. I am beyond appalled at this point and am seeking some resolve as this is impacting my credit tremendously. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WI | 53208 | null | Consent provided | Web | 2021-06-12 | Closed with explanation | Yes | null | 4,454,196 |
2022-03-17 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | On XX/XX/XXXX, I paid off my entire credit card balance. This was XXXX day before the due date. XX/XX/XXXX is the due date for the balance. On XX/XX/XXXX, Comenity Bank charged me {$19.00} for a finance charge. I don't think this makes sense because I had already paid my entire balance on XX/XX/XXXX. How can they charge me interest on a {$0.00} balance? | null | Bread Financial Holdings, Inc. | NJ | 08520 | null | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,335,196 |
2020-05-21 | Credit card or prepaid card | Store credit card | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | Due to the unforeseen financial hardships and personal hardships I have faced due to the global pandemic, I failed to make my payment on my Ann Taylor store card issued by Comenity Bank. I would like to add that on multiple occasions I have asked Comenity Bank about auto pay options which they do not offer. When I realized the payment was missed I immediately paid my balance in full of about {$180.00}. On XX/XX/XXXX, I contacted customer care for Comenity Bank to ask if they would remove the negative reporting form my credit report in good faith as I have been a long time customer and only missed the payment because of the extenuating circumstances. The phone representative advised I should write a message online and that would be taken care of. I sent the message and got a response on XX/XX/XXXX stating I need to write a letter of dispute. I responded and said this seemed like a bit of an extreme to make a customer go through. I have been in contact with all my creditors recently and all have offered assistance immediately. Why Comenity feels the need to make a customer go through such a process for a simple {$180.00} store card bill seems very ridiculous in this mass hysteria the country is in. I ask that the negative reporting be removed from my credit report as I have paid off my full balance. | null | Bread Financial Holdings, Inc. | NY | 10956 | null | Consent provided | Web | 2020-05-21 | Closed with explanation | Yes | null | 3,663,030 |
2018-09-10 | Mortgage | Conventional home mortgage | Credit monitoring or identity theft protection services | Billing dispute for services | Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | AL | XXXXX | null | Consent provided | Web | 2018-09-10 | Closed with explanation | Yes | null | 3,015,160 |
2022-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am consumer XXXX XXXX and I'm reporting EQUIFAX who has continuously reported my private nonpublic information without written my consent and did not have PERMISSIBLE PURPOSES to so so. My private information was and still is compromised in the 2017 EQUIFAX DATA BREACH. EQUIFAX has caused the consumer grave harm and financial hardship. EQUIFAX has committed identity theft by reporting, selling, and furnishing my private information without my written consent. Harm has been caused before my information was in the data breach and the consumer will forever be harmed knowing my private information has been breached do to the noncompliant and willful negligence by EQUIFAX. EQUIFAX has violated my privacy, has violated my consumer rights pursuant to the Fair Credit Reporting Act. EQUIFAX has a fiduciary duty to protect my private information if they had my consent in which they did not. EQUIFAX did not have my consent and they failed to protect my private information. EQUIFAX also violated the Gramm Leach Bhilely Act 15 U.S.C. 6809. Consumer is sick and stressed out every day do to worrying about my privacy | null | EQUIFAX, INC. | PA | 19114 | null | Consent provided | Web | 2022-12-02 | Closed with explanation | Yes | null | 6,271,651 |
2018-11-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This dispute is a follow-up to my original dispute regarding an inaccuracy in the credit reporting from XX/XX/XXXX, XX/XX/XXXX and Experian. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquires : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation if the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
I previously submitted a dispute to the companies above and I have received a letter from the companies that the inquire ( s ) would be removed but, XXXX, XXXX and Experian has failed to correct their erroneous reporting. I have maintained careful record of my communication and I have attached the inquiry removal letters from each company from previous attempts to have the inquiries removed. I'm making this final goodwill attempt to get these inquiries removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60645 | null | Consent provided | Web | 2018-11-20 | Closed with explanation | Yes | null | 3,079,195 |
2018-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XXXX XXXX, 2017 I spoke with Equifax, XXXX, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge | null | EQUIFAX, INC. | AR | 723XX | null | Consent provided | Web | 2018-01-14 | Closed with explanation | Yes | null | 2,781,384 |
2022-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/22 I sent in letters to have incorrect information removed from my credit profile. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70072 | null | Consent provided | Web | 2022-05-04 | Closed with non-monetary relief | Yes | null | 5,536,590 |
2023-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On XX/XX/2023 I received an alert from my credit monitoring service regarding fraudulent accounts, inquiries, and personal information listed as " InquiryXXXX XXXX XXXX, Employer : " XXXX '' XXXX Employer : " XXXX XXXX XXXX XXXX XXXX Name : " XXXX, XXXX '' on my Transunion consumer report. I quickly contacted the Federal Trade Commission and was directed to file an " Identity Theft Report '' about this recent Identity Fraud for which I am submitting this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 01801 | null | Consent provided | Web | 2023-05-29 | Closed with non-monetary relief | Yes | null | 7,043,266 |
2023-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX Balance Owed : {$2700.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30327 | null | Consent provided | Web | 2023-08-08 | Closed with non-monetary relief | Yes | null | 7,361,356 |
2022-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems 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 : XXXX XXXX XXXX XXXX XXXX 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. | MD | 210XX | null | Consent provided | Web | 2022-07-19 | Closed with non-monetary relief | Yes | null | 5,789,586 |
2022-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. | null | EQUIFAX, INC. | FL | 33126 | null | Consent provided | Web | 2022-08-15 | Closed with explanation | Yes | null | 5,879,190 |
2023-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been trying to get this late off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it. | null | Affirm Holdings, Inc | IL | 60527 | null | Consent provided | Web | 2023-04-24 | Closed with explanation | Yes | null | 6,884,170 |
2022-02-08 | 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 | There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( https : XXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!!
Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above.
https : XXXX XXXX XXXX XXXX XXXX ' XXXX I called and spoke with this individual who simply identified herself as Jeanette. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself.
My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX aware ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.
PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue.
Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33713 | null | Consent provided | Web | 2022-02-08 | Closed with explanation | Yes | null | 5,196,580 |
2023-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I called theXXXX and Experian after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an account on my credit report which is misleading to me. I sent a letter to the XXXX and Experian last XX/XX/2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance Owed : {$12000.00} will be investigated and updated on my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29223 | null | Consent provided | Web | 2023-02-14 | Closed with explanation | Yes | null | 6,564,182 |
2018-12-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I demand the immediate removal of the following accounts from my credit report on the legal grounds that the original creditor has closed. The accounts are : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). I demand the removal of all XXXX and XXXX accounts. XXXX and XXXX are the same company. On XX/XX/2018 I received a letter stating that these are all accounts associated with XXXXXXXX showing they are in fact the same company. This letter was in response to my demand for proof of liability. XXXX XXXX " proof '' was to send me the promissory notes that were signed with The XXXX XXXX of Colorado. In XX/XX/2018 the local news began reporting that The XXXX XXXX of Colorado would soon be closing. In XX/XX/2018 the local news reported The XXXX XXXX of Colorado officially closed. As such, I am no longer legally liable for any debts incurred, as the original creditor, The XXXX XXXX of Colorado, with which the contracts were signed, has closed. In fact, the building is being demolished. In XX/XX/2011 The US Department of Justice sued The XXXX XXXX XXXX parent company The XXXX XXXX XXXX or XXXX for {$11.00} billion in fraud. XXXX XXXX XXXX The government 's case alleged XXXX was paying its admissions representatives a commission based on the number of students they enrolled. It also claimed that XXXX was deliberately targeting low income and minority students. This was exactly my experience. The admissions representative XXXX XXXX, would do anything to get me to enroll. Including, lying to both my parents and I about my employment and salary prospects upon graduation. XXXX XXXX falsely claimed that students with only an Associates Degree could easily make " on average '' anywhere from {$75.00} thousand to {$100.00} thousand dollars a year. He stated a BA was not necessary and even that a Graduate degree was not necessary to earn this type of salary. In addition, the school had an open enrollment policy. No consideration was taken of previous academic performance and even though it was an Art school we were not required to submit any type of portfolio or demonstrate any type of creative ability in any way whatever. We were definitely targeted because I am a XXXX XXXX XXXX and because my family was poor. Neither of my parents graduated high school. In fact, I had to tutor them for their GED test when I was only XXXX years old. None of us understood the difference between a private for-profit college, a private nonprofit college, or a public college or university. We, like all of the students at XXXX schools, were swindled. In addition, XXXXThe XXXX XXXX financial aid representatives lied to students falsely claiming that we had to take out private student loans with XXXX ( now XXXX ) because we did not qualify for federal student aid. This was of course a bald-faced lie. In my own case, I was told by the financial aid officer XXXX XXXX to borrow the whole amount and " live off the student loan refund '' I had no idea what this meant, nor its financial implications and I had no one who could advise me otherwise. In my final year I was told by the financial aid office and XXXX XXXX that I was " out of money '' and that if I wanted to complete my degree I would have to pay out of pocket. I ended up maxing out a credit card with a {$2000.00} thousand dollar limit that resulted in a judgment against me which stayed on my credit report for the next seven years. Even after maxing out the credit card I still had to borrow money from my parents. Finally, XXXX XXXX and The XXXX XXXX and XXXX XXXX financial aid office told me I " must '' take out a loan with XXXX ( now XXXX ) in order to pay the rest of the cost of my education. At the time I was struggling with legally diagnosed disabilities and was not mentally competent to enter into any type of legal contract. Furthermore, I entered the contract under false pretenses and signed it under duress. It is therefore a legal nullity. Because of the extraordinarily unequal bargaining power, the contract is also legally unconscionable and therefore legally unenforceable. Regardless, as of XX/XX/2018, the original creditor, The XXXX XXXX of Colorado, with which the contracts were signed, has closed. This fact alone releases me from any and all legal liability for these falsely alleged debts. Now, one would think that an {$11.00} billion dollar lawsuit might motivate XXXX to change its evil ways. Instead, XXXX got away with a slap on the wrist. In XX/XX/2015 the government settled for a paltry sum of {$95.00} million. No student borrowers were compensated, XXXX refused to admit any wrongdoing, and refused to discharge the debts of any students who attended prior to XX/XX/2006. XXXX XXXX XXXXand Therefore, XXXXThe XXXX XXXX XXXX fraudulent conduct continued unabated until this very year. The paltry XX/XX/2015 settled resulted in The XXXX XXXX XXXX filing suit against the US DOJ in XX/XX/2017. XXXX XXXX XXXX XXXX The XXXX has demanded the release of the case files from the XX/XX/2015 settlement. They were awarded the files under a FOIA request, but unsurprisingly XXXX XXXX ( aka XXXX XXXX ) US DOJ has refused to comply in direct violation of a federal court order. So, finally, in XX/XX/2017 XXXX decided to ditch its for-profit college scam in a shady {$60.00} million dollar deal with a faux religious " charity '' called The XXXX XXXX. A new company was formed called " The XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is infuriating considering that all the students who were harmed are barred from claiming bankruptcy on our student loans. Soon after, all of The XXXX XXXX Campuses start falling like dominoes. They close one after another. In XX/XX/2018, the XXXX XXXX of Colorado closed releasing me from any liability. I can not begin to describe the substandard " education '' at this so-called school. All the teachers were jaded, they hated their jobs, had bad attitudes, and took it out on the students. Students constantly complained that the instructors did not know how to use the software they were supposed to be teaching us how to use. We also learned that the school did not have the correct accreditation. Therefore, any credits we had earned were not transferable to other schools should we decide to leave. We were stuck. We had to complete our degrees there rather than start completely over with our undergraduate education somewhere else. Then, once completed, we weren't certain we could go on to Graduate school because our degrees were essentially worthless. XXXX XXXX XXXX I did not get the promised return on my investment and therefore will not pay another dime. Frequently, teachers told me things like, " I feel sorry for people who go to The XXXX XXXX. They also told me, " You are way too smart for this school. '' Meanwhile, XXXX has harassed my parents and I for the last 15 years over these falsely alleged debts. XXXX has repeatedly falsely reported my accounts as delinquent, when in fact I have been relieved of all liability due to the school 's closure. In addition, XXXX has repeatedly threatened legal action and repeatedly falsely stated my accounts would soon default. When, in fact, a student loan account is not in default by law until after 270 days of nonpayment. I have attached a long record of XXXX XXXX fraudulent conduct. It has gotten so bad that at least four state attorney generals have joined a nationwide lawsuit against XXXX for defrauding borrowers in their state. I demand the immediate removal of all XXXX and XXXX accounts from all of my credit reports on the legal grounds that the original creditor has closed thus releasing me from any and all liability. | null | EQUIFAX, INC. | CO | 802XX | null | Consent provided | Web | 2018-12-05 | Closed with explanation | Yes | null | 3,091,733 |
2018-03-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | NOTATION : This is a CHALLENGE and NOT A DISPUTE I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations.
Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of its reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is attached to this complaint and must be deleted immediately, so please do so without delay.
I have attempted to resolve the issue directly with the respective parties, however found that they were non-compliant as per the FCRA and CROA requirements | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2018-03-27 | Closed with explanation | Yes | null | 2,855,423 |
2023-05-26 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | Regarding my account XXXX, I called Stenger and Stenger PC @ XXXX on XX/XX/2023. I spoke with a gentleman who collected my payment and credited {$580.00} to my account. Moreover, scheduling a payment for the final payment of {$580.00} on XX/XX/2023. Additionally, he stated that the judgment and filing from today will be canceled.
On my second contact, on XX/XX/2023, I spoke with three different representatives, who informed me that the payment had not been received and credited to my account and that a payment plan for two installments of {$580.00} had still been established. These representatives seem to have given me different information about my account and yesterday 's events. I request to talk with a supervisor after being transferred. The team lead or supervisor who called me was very unprofessional, talked over me when I was asking a question, and the call never progressed.
I would prefer a resolution to this issue because I do not want to be sued because of the XXXX XXXX that made it difficult for me to pay my obligations. | null | Stenger & Stenger, P.C | GA | 30071 | Servicemember | Consent provided | Web | 2023-07-03 | Closed with explanation | Yes | null | 7,035,303 |
2015-03-26 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | I have informed credit reporting agencies about my issue and waiting for the answer from them, Mean while I heard about CFPB and thought To file an complaint. I used in XXXX 2013 a company call freight center in XXXX to ship household items to XXXX, there was XXXX pallets, as per my knowledge weight was under XXXXlb on each pallet and paid in advance some of {$2800.00} to freight center, they over charged me as per the quote so I called them and they gave me credit for an amount {$85.00} same day. After 4 weeks from delivery of my house hold goods they are coming back with additional {$1000.00} for additional cost which I did not get it, there fore I refuse to pay them an hidden cost and know I see they have hired collection company called XXXX, is showing on my credit report, I am going to attached a proof of documents to prove the payment was maid thru credit card. There fore I request CFPB to investigate and help me to remove this negative item from my credit report, which is affecting me on my business and raised up my family. I am also attaching my credit report to show CFPB I have very good payment history, Thank you.
SincerelyXXXX XXXX XXXX | null | HW Holding, Inc | HI | 96822 | null | Consent provided | Web | 2015-04-02 | Closed with explanation | Yes | No | 1,301,732 |
2020-01-07 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | My wife and I had a Costco Anywhere VISA Business Card by Citi since XXXX, issued by Citi Cards. We both have a credit rating above 700 and have never been late on our payments. Our credit-line was over {$20000.00}. In XX/XX/XXXX, we decided to purchase a car and the dealer said it was okay to put some of it on our credit card. We only put {$5000.00} on the card, way lower than our credit-line. Days later, Citi canceled our card without any prior notification. Since we use the card in our family business, it was a great inconvenience and surprise. Moreover, the cancellation was suspicious because we have over {$750.00} cash rewards on that card. When we called to find out what happened, customer service said we had to wait for a letter but confirmed that Citi would forfeit our cash rewards that we had earned. Because of our high credit rating and patronage of over 10 years, that was an unfair business practice by Citi to act unilaterally and without notice. We asked to be reinstated but Citi refused to provide us with additional information on how to request reinstatement. Oddly, they sent advertisements of other Citi cards despite forfeiting our already-earned cash rewards. We were professional and paid off our statement at the end of the month as we have for over 10 years. Sadly, we typically would give part or all of the cash rewards we earn each year to our children to save for college. This unprofessional business practice had consequences for us in the forfeiture of the cash reward we had earned and that we had to seek a different card and, finally, our trust in Citi. We could have used a different card during that period and missed-out on other reward programs. Our reliance on Citi appears to have been misplaced. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 90601 | null | Consent provided | Web | 2020-01-08 | Closed with explanation | Yes | null | 3,488,579 |
2018-12-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX | null | EQUIFAX, INC. | GA | 30240 | null | Consent provided | Web | 2018-12-11 | Closed with explanation | Yes | null | 3,097,232 |
2020-11-05 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | I reject Transworld System Inc and their response. The bill they attached shows a date of XX/XX/XXXX. Transworld Systems Inc was on my credit report PRIOR to this bill. My bankruptcy was filed in XXXX of XXXX PRIOR to the date on this bill. Transworld Systems INC was included in the Chapter XXXX bankruptcy XXXX. Transworld Systems INC was included in my creditor matrix and is violating my rights under bankruptcy protection laws. THEY WERE ON MY XXXX XXXX. XXXX XXXX XXXX was also included in my creditor matrix and their debt was discharged in my chapter XXXX bankruptcy. I had to file several complaints against first choice power for having my service mixed up with someone else. XXXX XXXX XXXX was billing me for an XXXX for another address. I spoke with the office of the President for XXXX XXXX XXXX and I do NOT owe XXXX XXXX XXXX. My XXXX complaint # s are as follows : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I also spoke to the XXXX XXXX XXXX XXXX of the President with XXXX. | null | TRANSWORLD SYSTEMS INC | TX | 77301 | null | Consent provided | Web | 2020-11-05 | Closed with explanation | Yes | null | 3,938,261 |
2023-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I was on my XXXX credit file then I saw that my credit had decreased from a XXXX to XXXX so immediately i called XXXX an spoke with somebody and they said that I had a negative report on my account. I asked where is that coming from and they said from Convergent Outsourcing Inc then i immediately hung up and contacted Convergent Outsourcing Inc on XX/XX/XXXX. The amount was {$680.00} and they said it was from XXXX XXXX XXXX and They offered me to pay {$250.00} and said it would be marked as paid in full and removed from my credit. I also requested for proof of the receipt that said it would be marked paid in full, when I didnt get the receipt I made another call to them and they sent me the receipt which is attached. I disputed it with XXXX about 2-3 times already then XXXX was twlling me that the account is valid and I never made any payment. Convergent Outsourcing also said I never made a payment so I contacted them again and asked what are they talking about and they asked me to send proof to them which I emailed to them. They still told me they never received my payment and I was going back and forth with them and XXXX. XXXX took my dispute and as of today XX/XX/2023 its still coming back as the account is valid and i never made any payment. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | NJ | 07103 | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,870,124 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | TransUnion and XXXX are reporting medical debt that is less than {$500.00} and I have requested that this be removed. The companies have not removed the debt.
The debt listed is {$320.00} Creditors collection service | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 24017 | null | Consent provided | Web | 2023-03-17 | Closed with explanation | Yes | null | 6,712,699 |
2020-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I need help with getting my Annual credit report. I need them from all three companies : XXXX XXXX Exprience. XXXX XXXX. Please. The questions that was ask I answer then correctly .And my address has not change. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85374 | null | Consent provided | Web | 2020-01-14 | Closed with non-monetary relief | Yes | null | 3,496,023 |
2022-09-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33617 | null | Consent provided | Web | 2022-09-04 | Closed with explanation | Yes | null | 5,948,897 |
2021-01-05 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | On XX/XX/2020, I started receiving notices on my phone about money being sent via XXXX to a person I do not know. I walked into the bank branch as this was happening, and froze the account and filed the claim with the manager. I was told I would receive a provisionary credit within 10 business days, and I called today to check the status. I was told that my claim has been denied and that I had provided my bank login and password to the person that took the money. This is absolutely NOT the case, and I am at a loss on what to do to receive my funds back. I have filed an appeal, and have been told that it will take 45-60 days for this to be investigated again. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 95128 | null | Consent provided | Web | 2021-01-05 | Closed with explanation | Yes | null | 4,047,303 |
2023-08-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Accounts the XXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX XXXX XXXX- XXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 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. | IL | 60620 | null | Consent provided | Web | 2023-08-13 | Closed with explanation | Yes | null | 7,392,544 |
2019-12-21 | Checking or savings account | Checking account | Closing an account | Company closed your account | been a customer of BofA for many years. XX/XX/XXXX of this year I logged in to use onlne bill pay and noticed that my account and my son 's were overdrawn by almost {$1.00} XXXX, of course I laughed thinking it had to be some kind of a computer mistake, I called the branch and was told BofA is closing accounts without giving a reason. I got that department phone number & called and was told that they have the right to close any account they wish to. I have been a customer of theirs for many years, my children accounts are linked to my account too, we have checking, savings & HELOC accounts with them, these are personal accounts, we all have direct deposit checks, we don't do any cash transactions & are not in any illegal type of industry such as dispensary or such and so every single debit & credit is accounted for. They kept my business accounts open but closed the whole family personal accounts without giving an explanation for their decision. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91352 | null | Consent provided | Web | 2019-12-21 | Closed with explanation | Yes | null | 3,475,005 |
2022-09-08 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | My student loan servicer changed from XXXX to Aidvantage sometime in the past year. I logged on to my Aidvantage account at the beginning of XXXX to make a substantial payment only to discover that none of my payment history had been transferred during the transition, so none of the {$33000.00} of payments I had made since 2017 were being reflected on my account. I appealed to Aidvantage and they said they would have this resolved within 10 days. I submitted receipts of my payments and made 5 follow-up calls and emails. It is now XX/XX/XXXX and not only have they not resolved this or made good on ANY commitment ( including mailing me my payment history ), but I have discovered that my loan balance has INCREASED {$10000.00} due to an " adjustment, '' but I have not taken out any new loans in years. I have attempted to call several times and literally get a VOICEMAIL and zero response. Please help, as I have been swindled out of $ XXXX in payments and now have $ XXXX in debt that is being assigned to me. | null | Maximus Education, LLC dba Aidvantage | TX | 78216 | null | Consent provided | Web | 2022-09-08 | Closed with explanation | Yes | null | 5,963,712 |
2018-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | After several disputes Equifax showed 6 accounts as not reporting ( see enclosed report pages ) but now they are back on my report. Please remove the following accounts : XXXX XXXX never late XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX paid in full XXXX XXXX XXXX paid in full XXXX XXXX XXXX never late | null | EQUIFAX, INC. | IL | 61108 | null | Consent provided | Web | 2018-11-30 | Closed with explanation | Yes | null | 3,088,536 |
2020-07-14 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me | null | FinCo Services Inc DBA Current | VA | 23606 | null | Consent provided | Web | 2020-07-14 | Closed with explanation | Yes | null | 3,744,827 |
2022-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. I have sent them several letters concerning this matter and to no avail, they have yet to respond I have also uploaded the documents that I have sent to them and still nothing. I have sent an updated dispute on XX/XX/2022 which they have responded to that they have gotten.
1. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
15 U.S.C 1681 section 602 A. States I have right to privacy.
15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. These accounts that were furnished have violated my consumer rights and I want them to delete from my account.
15 U.S.C 168c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or 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.
Delete these accounts immediately! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28590 | null | Consent provided | Web | 2022-04-19 | Closed with explanation | Yes | null | 5,466,098 |
2022-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair Credit Report Act XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right privacy.
15 U.S.C 1681 Section 604 A. Section 2:11 also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10454 | null | Consent provided | Web | 2022-07-18 | Closed with non-monetary relief | Yes | null | 5,780,962 |
2023-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? 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 CORRECT or DELETE all information which can not be verified. Please correct the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | 94568 | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,531,856 |
2022-10-01 | 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 | Good Evening this is a continued problem that XXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | XXXXX | null | Consent provided | Web | 2022-10-01 | Closed with non-monetary relief | Yes | null | 6,037,008 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | CT | 061XX | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,953,185 |
2023-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | Hello, I am writing to file a dispute against XXXX XXXX XXXX XXXX XXXX. for multiple violations of the FCRA, RESPA, FDCPA, TILA, and FCBA.XXXX XXXX XXXX XXXX. has violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported, Section 609, which gives consumers the right to obtain a copy of their credit report and dispute any inaccurate information, and Section 611, which requires credit reporting agencies to investigate disputes and remove or correct any inaccurate information.
Under RESPA, XXXX XXXX XXXX XXXX may have violated Sections 6, 8, and 10, which require borrowers to receive a good faith estimate of closing costs, prohibit kickbacks and referral fees, and require borrowers to receive a HUD-1 Settlement Statement at least one day before closing.
XXXX XXXX XXXX XXXX. may have also violated Sections 807 and 809 of the FDCPA, which prohibit debt collectors from using false, deceptive, or misleading practices to collect a debt, and require them to provide written validation of the debt within five days of initial contact.
In addition, XXXX XXXX XXXX XXXXXXXX may have violated Sections 128, 129, and 130 of the TILA, which require lenders to disclose the APR and finance charge of a loan, the total amount of payments, the number of payments, and the due date of each payment, and provide borrowers with a right of rescission.
Finally, XXXX XXXX XXXX XXXXXXXX may have violated Sections 1666 and 1667 of the FCBA, which require lenders to provide accurate billing statements, promptly credit payments, and investigate and respond to billing disputes within a reasonable time period.
XXXX XXXX XXXX ( XXXX ) on my credit report. The credit reporting agencies, XXXX, Equifax, and XXXX, have reported conflicting and inaccurate information regarding my account with XXXX XXXX XXXX.
According to XXXX and Equifax, my account with XXXX XXXX XXXX is a revolving account, while XXXX reported it as a credit card. Additionally, XXXX did not report the number of months, while XXXX reported revolving, and Equifax reported monthly ( due every month ).
Furthermore, XXXX and Equifax reported that my payment status was paid or paying as agreed, while XXXX reported it as current but past due 30 days three times. The reported last reported date also varies, with XXXX and XXXX reporting XX/XX/XXXX and Equifax reporting XX/XX/XXXX. In addition, XXXX reported the date last active as XX/XX/XXXX, but XXXX reported XX/XX/XXXX, while Equifax reported XX/XX/XXXX.
These inconsistencies and inaccuracies have negatively impacted my credit score and financial standing. As a result, I have been denied credit opportunities and subjected to higher interest rates, which has caused significant financial hardship for me and my family.
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX may have violated the following sections : Section 607 ( b ), which requires credit reporting agencies to ensure the maximum possible accuracy of the information reported ; Section 609, which grants consumers the right to obtain a copy of their credit report and dispute any inaccurate information ; and Section 611, which requires credit reporting agencies to investigate disputes and remove or correct any inaccurate information.
In addition, under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX XXXX may have violated Section 807, which prohibits debt collectors from using false, deceptive, or misleading practices to collect a debt, and Section 809, which requires debt collectors to provide consumers with written validation of the debt within five days of initial contact.
Furthermore, under the Equal Credit Opportunity Act ( ECOA ), XXXX XXXX XXXX may have violated Section 202, which prohibits discrimination based on race, color, religion, national origin, sex, marital status, or age, and Section 701, which requires that creditors provide consumers with written notice of adverse actions taken on their accounts.
Lastly, under the Fair Credit Billing Act ( FCBA ), XXXX XXXX XXXX may have violated Section 1666, which requires that lenders provide borrowers with accurate billing statements and promptly cre
dit payments, and Section 1667, which requires that lenders investigate and respond to billing disputes within a reasonable time period.
I urge you to enforce these legal violations and take appropriate action against XXXX XXXX XXXX to ensure that my credit report is accurate and free of any inaccuracies. I also request that all unverified collection accounts related to XXXX XXXX XXXX be removed from my credit report.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX | null | EQUIFAX, INC. | FL | 33134 | null | Consent provided | Web | 2023-03-30 | Closed with explanation | Yes | null | 6,775,954 |
2022-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, amounts of XXXX, XXXX, and XXXX ; XXXX XXXX XXXX XXXX in the amount XXXX ; XXXX in the amount of XXXX ; XXXX XXXX XXXX in the amount of XXXX ; and The XXXX XXXX XXXX in the amount XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
[ If you have a lawyer, state that you have legal representation and provide that persons contact information ].
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 7 days. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 622XX | null | Consent provided | Web | 2022-09-28 | Closed with non-monetary relief | Yes | null | 6,029,997 |
2019-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Experian is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this issue, however I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77083 | null | Consent provided | Web | 2019-11-07 | Closed with explanation | Yes | null | 3,431,537 |
2021-03-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX | null | EQUIFAX, INC. | NC | 28273 | null | Consent provided | Web | 2021-03-09 | Closed with explanation | Yes | null | 4,194,771 |
2020-11-12 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | XX/XX/XXXX I sent in a dispute letter to American Express and all 3 credit bureaus and didn't receive a response in over 35 days. On XX/XX/XXXX I sent a second dispute letter to American Express regarding a collection/charge-off that was opened in XXXX. My account has 5 inaccuracies. It is well over 30 days again and the account still has 5 accuracies and nothing has been updated or removed. | null | AMERICAN EXPRESS COMPANY | NY | 10463 | null | Consent provided | Web | 2020-11-23 | Closed with explanation | Yes | null | 3,950,494 |
2019-02-13 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | Small business ( checking and savings ) ( corporate account ) at Citibank was frozen on XX/XX/19 for XXXX ( compliance issues ). Account has been open for over 10 years, no court order, or judgment or levy exists. I complied with all forms requested on XX/XX/19 - forms taken directly to a branch ; however as of XX/XX/19 all funds frozen. Auto pay to same bank for credit card payment was returned and {$25.00} charged. Rent, electric and other payments were returned, causing many extra fees and great embarrassment - landlord will no longer take a check for rent - electric company charged extra fees.
XXXX XXXX, XXXX - corporate account - I am 100 % owner.
Update - Branch refused cash payment on credit card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | XXXXX | Older American | Consent provided | Web | 2019-02-13 | Closed with explanation | Yes | null | 3,151,629 |
2023-03-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt.
Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred.
Remove the account XXXX XXXX number XXXX i did not give consent or permission to furnish this on my consumer report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30314 | null | Consent provided | Web | 2023-03-15 | Closed with non-monetary relief | Yes | null | 6,699,849 |
2022-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Equifax is reporting a collection account that was supposed to be removed several years ago. I have requested a letter from the furnisher validating the debt. No response. I send the furnisher collection company copy of my insurance card no response. I sent Equifax credit reporting agency the letters and requested for them to remove the information they have refused. I also send the credit bureau that as of XX/XX/2022 any medical deragatory to include collections should be removed they refused. I respectfully request this entry is removed from my credit file immediately | null | EQUIFAX, INC. | AZ | 85629 | Servicemember | Consent provided | Web | 2022-10-24 | Closed with explanation | Yes | null | 6,121,990 |