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customers-complaints-test

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2020-02-18

Debt collection

Payday loan debt

Threatened to contact someone or share information improperly

Contacted your employer

Right NOW i am going through a financial hardship. I advised LOAN me not to call my employer. Today at XXXX PC a rep by the name of XXXX contact me ... i asked why was she calling my employer ... i told her i advised them not to ... she then went on to try to discuss a settlement while im on the phone at work. This was embarrassing and can cause me to lose my job!!!!!

Bliksum, LLC

CA

91605

Consent provided

Web

2020-02-18

Closed with explanation

Yes

2017-11-19

Debt collection

Other debt

Written notification about debt

Didn't receive notice of right to dispute

ONCE AGAIN HARVARD HAS DONE IT AGAIN. THEY FAILED TO VALIDATE DEBT AND CEASE AND DESIST COLLECTION EFFORTS AND STP CONTACR REQUESTS WAS IGNORED. CEASE CALLING OUR CELL NO.

Harvard Collections, LLC

IN

XXXXX

Consent provided

Web

2017-11-19

Closed with explanation

Yes

2017-06-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

O n XX/XX/XXXX , I began an application for an auto loan with XXXX XXXX XXXX . I had previously shopped around for good rates and the best offers from banks and credit unions because I only wanted my credit ran the one t ime for the loan. I received my Pre approval letter from XXXX XXXX XXXX with a loan on XXXX on XX/XX/XXXX . I began my car search and came into multiple dealerships with my preapproval letter. Within these visits, I turned down vehicles because they did not fit into my loan amount. I was offered numerous times to run my credit again to see if I could get a higher loan. I then refused, stating that I did not want my credit ran again because it will knock my credit and I want to do my loan through XXXX and XXXX only. After hearing running my credit would be my only option, I left the dealership because once again, I did not want my credit ran again. The said dealership is XXXX XXXX in XXXX , MI and I 'm sure they can attest to how persistent I was on to not run my credit. After I turned down that offer I went to XXXX XXXX XXXX XXXX XXXX in XXXX MI. I found a vehicle I loved, had great service, and all in all a good car buying experience. When I was at the dealership I purchased my vehicle through XXXX at the price of {$23000.00}. After I finished speaking to my salesman, he referred me to the finance department to finish paperwork. While I was in there I provided my preapproval letter through Honor. At the time I had mentioned once again that it was the only bank I wanted to go through. He began asking questions that sounded much like a credit application to me, so once again I stopped him and confirmed to that I had already had my credit ran and Honor was the only bank I was going through. He reassured me it was just questions that had to be asked again to make sure all the information between XXXX XXXX XXXX XXXX XXXX matched. He even called XXXX on speaker in the room so we could confirm the paperwork went through and that my interest rate was correct. We proceeded to finish the paperwork. At both dealerships I did have someone with me and can witness my reoccurring statement of not having my credit ran. A few days later, I began receiving emails that my credit had a few hard inquires. I looked them up and saw that three had been added regarding loans I had not applied for nor did I give permission for my credit to be ran to apply for them . One of the creditors that showed up was from XXXX XXXX XXXX , who had assured me they were not running my credit again. No one aside from XXXX XXXX XXXX and XXXX XXXX XXXX had my information to run my credit so I know that the two other Inquiries m ade on XX/XX/XXXX , came from XX/XX/XXXX . Once I saw these inquiries, I immediately contacted XXXX and discussed with them how my credit was ran without my permission. They were very helpful and immediately started working towards resolving this issue because they know that I only applied through them as well. I also called XXXX & XXXX finance department and left a voicemail for the man that finished my paperwork. About a week went by and I received no correspondence from them. I then decided to go a step further and then emailed the president of XXXX XXXX XXXX . A day later received an email, not from the president, but just another employee I imagine. I asked if they could please have my credit inquires from them disputed because I did not give them permission. I received no response. I emailed them back and asked them to respond or I would have to dispute the charges against them on my own. Although I did get a response shortly after, it was just a denial that they had ran my credit without my permission and that they have the right to do so. I corrected them, saying I understood that they could check my credit with XXXX but not run it through other banks and apply for loans I did not need without my permission. I have n't received word back yet. A few days later I received mail from Huntington Bank saying I had been denied a loan for the amount of the vehicle I purchased from XXXX & XXXX . I have not ever applied for a loan from Huntington, and it was made the same day the XXXX XXXX XXXX and one oth er loan had been put on my credit report ( 3 total, on XX/XX/XXXX ) I a m still expecting to receive a denial letter from the third bank I never applied for as well. I have repeatedly asked XXXX & XXXX to try to dispute those three inquiries made o n XX/XX/XXXX , b ut I 'm afraid it is being pushed aside and not being taken care of. They have now repeatedly stated that they only ran it through one bureau and I have told them repeatedly that that was not my problem, and the problem is that they had applied for loans in my name that I did not give my permission to. Even though they have been fraudulent and are still denying running my credit, I still only ask that the inquires be removed as that was my only concern all along. I 've called Huntington and they could n't help because it happened at the dealership, and I have n't contacted XXXX XXXX because of lack of contact information.

HUNTINGTON NATIONAL BANK, THE

MI

497XX

Consent provided

Web

2017-06-09

Closed with explanation

Yes

2022-06-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

I closed my account and paid it off with Republic Finance years ago and they have not removed the collection from my account. Now Republic Finance is reporting that I have a collection account with XXXX when I do not have a collection account. I called and spoke with multiple employees who confirm I do not owe them money but they still have not removed this from my credit report.

RFNA, LP

TN

381XX

Consent provided

Web

2022-06-29

Closed with explanation

Yes

2018-09-16

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.

CNG HOLDINGS INC

GA

30045

Servicemember

Consent provided

Web

2018-09-16

Closed with explanation

Yes

2022-10-24

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92879

Consent provided

Web

2022-10-24

Closed with non-monetary relief

Yes

2022-04-21

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

Credit reporting

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

Was not notified of investigation status or results

This is a formal complaint against XXXX XXXX XXXX located in XXXX, PA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting 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. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. 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 Professional 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.

EQUIFAX, INC.

TX

77339

Consent provided

Web

2022-04-21

Closed with explanation

Yes

2023-06-24

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding fraudulent hard inquiries that have appeared on my Equifax credit report. I recently discovered these unauthorized inquiries and believe that they are the result of identity theft and fraudulent activity. I kindly request your assistance in deleting these inquiries from my credit report as soon as possible. The fraudulent hard inquiries listed below have caused XXXX XXXXXXXX and concern : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assure you that I have never initiated any dealings or authorized any transactions with the aforementioned entities. The inclusion of these inquiries on my credit report is not only inaccurate but also detrimental to my financial well-being. This unfortunate situation has left me puzzled as to how my personal information was compromised and utilized without my knowledge or consent. Regrettably, I must confess that I was unable to review my credit report from XX/XX/XXXX to XX/XX/XXXX due to extenuating circumstances. During this period, I faced a series of personal and professional challenges that demanded my undivided attention. As a result, I was unable to stay updated on my credit report and failed to detect these fraudulent activities in a timely manner. I deeply regret this oversight and acknowledge the importance of regular monitoring to ensure the security of my personal information. I kindly request that the Consumer Financial Protection Bureau exercise its authority under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ) to investigate this matter promptly. As a victim of identity theft and fraudulent activity, I firmly believe that I have the right to accurate credit reporting, privacy protection, and a swift resolution of this issue. Section XXXX of the FCRA grants me the right to dispute inaccurate information on my credit report and have it corrected or removed within a reasonable timeframe. I implore you to take immediate action to investigate the fraudulent hard inquiries and subsequently delete them from my Equifax credit report. The removal of these inquiries is crucial for me to regain control over my creditworthiness and restore my financial standing. I appreciate your understanding and collaboration in rectifying this distressing situation. Enclosed with this letter are copies of supporting documents, including my identification, and any other relevant information that may assist you in your investigation. I am prepared to provide any additional evidence or details required to support my case. I eagerly await a prompt response and resolution of this matter. Please keep me informed of any updates or actions taken to address this issue. I have faith in the Consumer Financial Protection Bureau 's commitment to consumer protection and the upholding of our rights. Thank you for your attention to this urgent matter. I appreciate your time and consideration. Sincerely, XXXX XXXX

EQUIFAX, INC.

OH

45040

Consent provided

Web

2023-06-24

Closed with explanation

Yes

2023-07-27

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77006

Consent provided

Web

2023-07-27

Closed with non-monetary relief

Yes

2022-03-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have reached out to all creditors by writing, online request, and telephone each month since XX/XX/XXXX to have these items removed from my credit reports. I have also formally written all XXXX bureaus to step in on XX/XX/XXXX to have these incorrect accounts removed from my credit. It has been over 30 days and they have not cooperated or even responded to my formal letters that were sent by certified mail to each bureau. Account Name : XXXX Account Number : XXXX Amount : {$3300.00} Account Name : XXXX XXXX Account Number : XXXX Amount : {$1900.00} Account Name : XXXX Account Number : XXXX Amount : {$1700.00} Account Name : XXXX Account Number XXXX XXXX Amount : {$720.00} Account Name : XXXX Account Number : XXXX Amount : {$630.00} Account Name : XXXX Account Number : XXXX Amount XXXX {$380.00}

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

Experian Information Solutions Inc.

FL

34744

Servicemember

Consent provided

Web

2022-03-28

Closed with non-monetary relief

Yes

2020-11-28

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

I the consumer/ natural person and original creditor. Pursuant 15 USC 1602 ( p ) that there has been unauthorized use of my credit card by REGIONS BANK without me benefiting from this consumer credit transaction. My benefits were taken by misleading and deceptive forms 15 USC 1692j ( a ) requesting payments. This herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, so be it. If called upon to testify as a witness I the consumer and original creditor shall so state herein. This consumer credit transaction was unjust and I had not equity in it. Affidavit of truth and exhibits attached. Please note that an affidavit of truth not rebutted stand as truth in commerce.

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

REGIONS FINANCIAL CORPORATION

FL

33604

Servicemember

Consent provided

Web

2020-11-28

Closed with explanation

Yes

2023-01-24

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 act XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15U.S.C section 602A. States I have the right to privacy. 15U.S.C sec1681 604A section 2 it is also States a consumer reporting agency can not furnish an account without my written instructions

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IA

51106

Consent provided

Web

2023-01-24

Closed with non-monetary relief

Yes

2020-10-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I want you to delete this account from my credit report. This account is not mine, i would never ruin my credit this way. Its affecting my everyday life, I'm not able to get insurance or anything. I already try to fix it with the store and they told me they cant do nothing about it and i believe this is very unfair. to have to pay for something that's not mine.

EQUIFAX, INC.

PA

18702

Consent provided

Web

2020-10-14

Closed with explanation

Yes

2020-09-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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

Experian Information Solutions Inc.

NY

11411

Consent provided

Web

2020-09-25

Closed with explanation

Yes

2018-12-28

Debt collection

Other debt

Communication tactics

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

Waypoint Resource Group uses illegal spoofing practices to disguise their phone number on my caller ID. They attempt to call me frequently during all hours of the day, sometimes early morning before XXXX XXXX. They do not state what their business is or why they are contacting me unless I give them personal information about myself. When asked whether they are a collection company, the representative states that they are not. If they can not reach me, or if I don't answer their phone call, they then contact my fiance on her phone. On XX/XX/2018 at approximately XXXX, Waypoint Resource Group called my fiance on her phone with her caller ID showing my phone number when I was sitting next to her. If I wasn't sitting next to my fiance at the time, she stated that she would have answered, thinking it was me calling her. On XX/XX/2018 at XXXX, Waypoint Resource Group called my fiance on her phone. She did not answer. I have filed a complaint with the FTC against Waypoint Resource Group for their harassing phone calls, their illegal spoofing practices, and for continuing to contact both me and my fiance after they have been told to stop. The phone calls began in XX/XX/XXXX and are growing in frequency. My fiance and I no longer answer our phones if we don't recognize the caller ID.

Company believes it acted appropriately as authorized by contract or law

Waypoint Resource Group, LLC

CA

95842

Consent provided

Web

2018-12-29

Closed with explanation

Yes

2018-04-30

Checking or savings account

Other banking product or service

Closing an account

Company closed your account

If regulated banks such as XXXX and Citi are allowed to discriminate as to which companies and individuals they allow to do business with based on their personal preferences or political beliefs and insert themselves into social engineering, then where is the line drawn? XXXX vs XXXX banks, straight vs XXXX banks, and gun owners vs non gun owners? When the next financial disaster occurs will we voters be allowed to give a thumbs up or down on each whether they get a taxpayer bailout or not?

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

CITIBANK, N.A.

FL

33625

Servicemember

Consent provided

Web

2018-04-30

Closed with explanation

Yes

2023-08-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

EQUIFAX, INC.

FL

33020

Consent provided

Web

2023-08-28

Closed with non-monetary relief

Yes

2019-10-20

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

This XXXX XXXX card opened last year for almost XXXX is being disputed as it is not mine however it says it is a XXXX card now.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WA

992XX

Consent provided

Web

2019-10-20

Closed with explanation

Yes

2020-07-20

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

Credit reporting

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

Was not notified of investigation status or results

I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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

Experian Information Solutions Inc.

VA

22554

Consent provided

Web

2020-07-20

Closed with explanation

Yes

2023-07-18

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

Dear CFPB, I am disappointed that Equifax thinks they are above the law. On XX/XX/XXXX I sent a certified usps letter to Equifax with an FTC report to dispute unauthorized fraudulent inquiries. USPS tracking number XXXX XXXX XXXX XXXX XXXX, Equifax received the letter on XX/XX/XXXX at XXXX XXXX. I disputed XXXX unauthorized hard inquiries and sent the FTC report that THEY instructed me to do and today XX/XX/XXXX got a letter that Equifax will not remove them. That they are factual record and that I need to contact creditor myself. Problem is EQUIFAX is the One reporting them so they are collecting money for reporting bad information they should be the ones investigating this, CFPB, please step in and stop these crooks. I want the two disputed unauthorized inquiries deleted they are. Factual Data on XX/XX/XXXX XXXX XX/XX/XXXX

EQUIFAX, INC.

TX

78245

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2022-11-10

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

Credit reporting

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

Investigation took more than 30 days

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy. 15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

AL

36109

Consent provided

Web

2022-11-10

Closed with non-monetary relief

Yes

2018-02-20

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

I have had my Citi bank Double cash card since XX/XX/2017. The cash back option allows for a direct deposit to my checking account after 2 successful payments ( per the app screen ) and have {$25.00} in rewards. I had made 2 and had well over {$25.00}, so I called in. Now they want me to wait another month and make another payment. Then I was told I needed a user submitted payment. I did that and still have no direct deposit option. They only say I can take an account credit ( which is not coded as a payment so I miss out on 1/2 my rewards ) or wait for a check then find a way to deposit to my bank. I would like the direct deposit option to be available, like it is to all other customers.

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

CITIBANK, N.A.

PA

19460

Consent provided

Web

2018-02-20

Closed with explanation

Yes

2023-06-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

I had financed a XXXX XXXX XXXX through Credit Acceptance. I was involved in an accident last year XXXX of XXXX the car was paid off due to me having Gap insurance and left a balance of {$230.00}. I checked my credit and Credit Acceptance has still been reporting miss payments for 9 months. I called Credit Acceptance on XX/XX/XXXX to get this corrected and the rep told me that he had to report it as missed payments because it has a balance. My credit report is showing a balance XXXX rep stated I only have a balance for {$230.00}. This is false reporting and it has really affected my credit score due to them falsifying my balance and reporting it late when the account is closed.

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

CREDIT ACCEPTANCE CORPORATION

NC

28208

Consent provided

Web

2023-06-22

Closed with explanation

Yes

2022-10-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

I like to dispute the following items on my credit report. There has been Inaccurate information reported to the 3 credit bureaus : XXXX, XXXX and Experian.I would like them removed immediately. Previously disputed with no resolution. XXXX XXXX Last reported XX/XX/2022 {$4000.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2900.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2600.00} Reported balance Last reported XX/XX/2022 {$2400.00} Reported balance {$2300.00} Reported balance Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance XXXX XXXX Last reported XX/XX/2022 {$2300.00} Reported balance Last reported XX/XX/2022 {$2100.00} Reported balance Last reported XX/XX/2022 {$2000.00} Reported balanLast reported XX/XX/2022 {$2000.00} Reported balance Last reported XX/XX/2022 {$1800.00} Reported balance Last reported XX/XX/2022 {$470.00} Reported balance

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

Experian Information Solutions Inc.

MI

48917

Consent provided

Web

2022-10-13

Closed with explanation

Yes

2022-01-20

Checking or savings account

Checking account

Managing an account

Fee problem

The Truist Bank located at XXXX XXXX XXXX XXXX in XXXX North Carolina XXXX is abusing overdraft fees and incessantly charging customers unethically. Arranged configured alerts to notify customers of an overdraft are not being delivered timely and Truist is taking advantage of customers while offering no service or reasonable solution. The Truist mobile and online banking platforms erroneously market and sell real time updated data availability to their customers but are lying and fraudulently selling this service. Truist then entraps customers in a repeated overdraft fee cycle while falling to honor established alerting notifications that allow a customer to rectify the balances. " Truist online and mobile platforms do not reflect accurate accounting balances in line with what they market and sell. '' I was charged 5 consecutive {$36.00} dollar overdraft fees on the same day and time without a pre-configured and arranged alert message being received to notify me.

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

TRUIST FINANCIAL CORPORATION

NC

270XX

Consent provided

Web

2022-01-20

Closed with explanation

Yes

2023-07-14

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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

Experian Information Solutions Inc.

IL

604XX

Consent provided

Web

2023-07-14

Closed with explanation

Yes

2021-09-08

Student loan

Federal student loan servicing

Struggling to repay your loan

Can't get other flexible options for repaying your loan

Cant afford to pay right now I dont make the money to afford it at all but Im in school trying to do better but it still bill up

Nelnet, Inc.

TN

37920

Consent provided

Web

2021-09-08

Closed with explanation

Yes

2022-04-18

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

Please refer to the attachments. The first attachment will show an intercepted tax refund lien by XXXXXX/XX/XXXX, which intercepted my XXXX tax refund to pay their debt in full. The amount applied was {$380.00}, which paid the debt in full in XXXX XXXX. However, BullCity acct : XXXX, through their client XXXX XXXX is currently reporting the collection on my XXXX Credit Report as a balance owed ( Please refer to the attached XXXX Screen shot of my credit report. Bull City has reported the collection in XXXX, XXXX, and now in XX/XX/XXXX. Additionally, I have contacted XXXX XXXX and XXXX disputing the inaccurate paid debt, which neither has taken action.

Bull City Financial Solutions, Inc

OK

731XX

Consent provided

Web

2022-04-18

Closed with explanation

Yes

2022-05-23

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 Act Reporting act. The list of accounts below has violated my federally protected consumers rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXXXXXX has violated my rights. XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : It 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

MI

48224

Consent provided

Web

2022-05-23

Closed with explanation

Yes

2023-02-22

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 2nd request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific records in my credit file that do not belong to me, or thatI have signed any agreement. The items I'm challenging have nothing to do with anytransactions I've done or authorized to gain products, services, or money. Please remove thefollowing items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$790.00} ; XXXX Balance : {$28.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX ( XXXX : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$2500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$320.00} ; XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Balance : {$760.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$57.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

310XX

Consent provided

Web

2023-02-22

Closed with non-monetary relief

Yes

2019-10-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please remove these accounts which I listed in Identity Theft. Some of them payed in a good standing but all of them I did not open and never used. Some one opened them used my ssn and personal information. I do not want that all pf these accounts are reporting because they are not mine.

EQUIFAX, INC.

FL

33009

Consent provided

Web

2019-10-21

Closed with explanation

Yes

2017-05-03

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened to arrest you or take you to jail if you do not pay

They are calling my parents, my mother who is ill and telling them that they have court orders and papers that need to be served and they want to speak with me. My mother told them that they are not the contact for me or responsible for me and to stop calling. She said this has been going on for over a year. They wo n't stop harassing her even though she asked them to stop calling.

CAVALRY INVESTMENTS, LLC

LA

70124

Consent provided

Web

2017-05-03

Closed with explanation

Yes

2023-06-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am not familiar with the inquiries mentioned, and I kindly request that you address this matter promptly. I have attached supporting documents for your reference.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11213

Consent provided

Web

2023-06-09

Closed with non-monetary relief

Yes

2023-02-07

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

The companies advertised online no credit check then the following day there are hard inquiries on my credit report. I am in the process of trying to get financing for a vehicle. These hard inquiries will have a negative impact on my scoring when I apply for the car. I am not really familiar with this process ( I have never leased or financed a vehicle before ). To lure people to their websites advertising we can help no effect to your credit and then its a hard pull ( not a soft ) is ridiculous. FYI : only the XXXX XXXX XXXX had my permission.

Global Lending Services LLC

MI

481XX

Consent provided

Web

2023-02-07

Closed with explanation

Yes

2022-09-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

AMERICA FIRST CREDIT U Inquired on XX/XX/2022 Business Type : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Discriminated against my personal profile which is written out in my attached Document. They also unlawfully refused me credit and Unlawfully used my Credit Card aka XXXX card and placed an Unlawful Hard Inquiry attached on page XXXX as proof on my Credit Profile Unlawful Violations include : 15 USC 1691c and is pursuant to civil liability under 15. USC 1692K. Also 15 US code 1642. USC 1681m. And 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my Social Security number ( Credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( of credit card ) of America First Credit union.

AMERICA FIRST FEDERAL CREDIT UNION

WY

82901

Consent provided

Web

2022-10-27

Closed with explanation

Yes

2023-04-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

NJ

080XX

Consent provided

Web

2023-04-09

Closed with non-monetary relief

Yes

2022-06-08

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX has violated my rights concerning the following accountXXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX and account # XXXX XXXX5 U.S.C. 1681 SECTION 602A. States I have the right to privacy. 15 U.S.C. 1681 SECTION 604 A. SECTION 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

EQUIFAX, INC.

TX

76006

Consent provided

Web

2022-06-08

Closed with explanation

Yes

2023-04-02

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

Credit reporting

Incorrect information on your report

Personal information incorrect

The Following Inquiries Are Not Mine, I AM STATING THAT I EXPLICITLY DID NOT AUTHORIZE THESE CREDIT INQUIRIES. They are invalid and were not performed by me - thus please delete them. XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

GA

30318

Consent provided

Web

2023-04-02

Closed with explanation

Yes

2023-05-15

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Frontline mailed me a letter validation with XXXX that was paid already years ago. And the billing statement on the bill is XX/XX/23. Haven't been with XXXX for years and I paid my final bill {$270.00}. My cellphone number was transferred over to XXXX and I've been with XXXX ever sense. Please see attached bill. And my XXXX XXXX XXXX XXXX XXXX payment to XXXX to close the account and paid in full.

Frontline Asset Strategies, LLC

NJ

080XX

Consent provided

Web

2023-05-15

Closed with explanation

No

2022-10-27

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 and inquiries below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These have violated my rights. 15 U.S.C. 1681 section 602 A States that I have a right to privacy. 15 U.S.C. 1681 section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) states no consumer reporting agency may publish any 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 ) states that 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.

IL

60467

Consent provided

Web

2022-10-27

Closed with non-monetary relief

Yes

2019-07-24

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt is not yours

Debt was fraudulently obtained in 2008. No outstanding debt obligations. Repeated harassing phone calls. No attempts to resolve the issue, just calls dozens in the last week. All hours of the day. Threating messages

Company disputes the facts presented in the complaint

Dynamic Dedicated Financial Partnerships

MI

493XX

Consent provided

Web

2019-07-24

Closed with explanation

Yes

2021-12-27

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

The fair market value of this vehicle that I purchased through Credit Acceptance Corporation was met and now they are demanding thousands of dollars in interest. I had lost my job and the original loan was at a higher than legal amount interest rate which caused me to release the vehicle back to them voluntarily. I was garnished and met the initial amount of garnishment and now have to pay thousands more in interest. I was never allowed to appear in court due to never receiving court documentation at correct addresses. The amounts of monies paid, car sold at auction, fair market value and now interest owed on top of interest paid is not matching up. Credit Acceptance Corporation did to me what they did to citizens in Massachusetts, which won a lawsuit against them. I dont live in Massachusetts but am a victim as well.

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

CREDIT ACCEPTANCE CORPORATION

IN

46947

Consent provided

Web

2021-12-27

Closed with explanation

Yes

2020-06-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$590.00}

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

Experian Information Solutions Inc.

AR

72113

Consent provided

Web

2020-06-18

Closed with explanation

Yes

2019-01-17

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

Credit reporting

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

Their investigation did not fix an error on your report

My credit reports at TransUnion, XXXX and others are showing that XXXX XXXX has reported 2 credit card accounts in my name. I filed Disputes with both using their on-line form, stating that I have no knowledge of any such accounts. They have both responded that they investigated and that the reported information was verified by the reporting entity. Their investigation did not request nor does it require any providing of any sort of proof, but relies solely on the word of the reporting entity. This lack of a need of proof leaves the consumer vulnerable to fraudulent reporting and to being charged higher charges for bad credit when these reporting agencies are allowed to report as they please, with no oversight or consequences.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33029

Consent provided

Web

2019-01-17

Closed with explanation

Yes

2022-11-28

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

Credit reporting

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

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Experian Information Solutions Inc.

PA

19131

Consent provided

Web

2022-11-28

Closed with explanation

Yes

2018-02-13

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Transunion is inaccurately reporting a chapter XXXX on my credit report. I have sent several debt validation letters for them to verify that the bankrucpy belongs to me. I have asked that they give me the following information. 1. Please provide the name of the courthouse 2. The clerks name that you verified the dispute with 3. The address 4. The telephone number 5. The documentation used to verify the dispute. 6. The asset and liability amount of the bankruptcy that is supposedly reported correctly by your company. They only state that they have verified. According to Fair Credit Reporting Act. the credit bureaus must report accurate information. As of this date if they have verified the bankruptcy as being accurate. why is there a XXXX on the amount owed. I don not believe that someone would file a bankruptcy and not owe anything. Transunion has violated my rights by not accurately reporting information. I would like Transunion to verify and send me all of the information I have requested. If they can not verify correctly and report correctly. I would like for Transunion to remove this item 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.

MO

XXXXX

Consent provided

Web

2018-02-13

Closed with explanation

Yes

2021-05-20

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, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and either remove it or at least send me the information UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION US SM BUS ADMIN ODA XX/XX/XXXX MICROBILT XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

MicroBilt / PRBC (formerly CL Verify)

MS

386XX

Consent provided

Web

2021-05-20

Closed with explanation

Yes

2022-11-17

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

This account was originally with XXXX XXXX and was closed as a stolen card due to an identity thief. So I don't understand how a debt that was fraud fell into a collection.

ENCORE CAPITAL GROUP INC.

FL

33168

Consent provided

Web

2022-11-17

Closed with explanation

Yes

2020-07-20

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

As stated in prior CFPB complaint, I've sent a dispute letter via fax, postal mail, as well as email most recently regarding information needed for dispute ID XXXX, I was sent a letter on XX/XX/XXXX which I replied to and provided same information again.. In total, numerous letters provided, Citibank dispute dept claims non-receipt of these which is suspicious. I spoke with a Citibank rep today, he claims a letter was received on the XXXX of XXXX as well.. I provided information pertaining to dispute and the merchant appears to be a scammer as the charge, {$160.00}, was declined on merchant end supposedly, funds taken regardless ... I've message the merchant via secure message, no reply and no direct email or number to reach ... This transaction is a scam and again, I've provided this info numerous times, Citibank claims either non-receipt or needs additional info which I am not aware of and have no such additional information to provide other than what is in letters sent prior ...

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

CITIBANK, N.A.

CT

XXXXX

Consent provided

Web

2020-07-20

Closed with explanation

Yes

2022-10-10

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'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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

Experian Information Solutions Inc.

NY

11219

Consent provided

Web

2022-10-10

Closed with explanation

Yes

2023-05-10

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

Hello, I have an Old Navy XXXX card that was converted to a different lender ( XXXXXXXX XXXX to Barclays ). I never received a new credit card or any information about making a payment or setting up an online portal via email, which was my preferred communication method, or via phone. I began receiving emails about needing to make a payment to Barclay, but wasnt able to open a web portal because I never received a card to verify the account on their website. A few months ago, my husband called a Barclay help number and set up recurring payments to have us back in good standing. Recently I have received calls saying I havent made payments. The company never processed the payment my husband set up and never sent me a new card. I called again today to try to find out what happened and the company has closed my account. I now am not able to make payments or check my balance or request a new card, as I still dont have web portal access. I am very worried that this will negatively impact my credit score, even though we have tried many times to resolve the issue on our own. Please help!

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

BARCLAYS BANK DELAWARE

CO

80211

Consent provided

Web

2023-05-10

Closed with explanation

Yes

2021-11-10

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

Did a timeshare tour in XXXX in XX/XX/2021, declined the timeshare, they wouldnt allow us to leave until we spoke to an exit agent who then sold us a travel club promised hugely discounted travel around the world in 2 bed accommodation for $ XXXX- {$490.00} per week. During the sale they did not show us the product just promised lots of things. Paid via Chase Visa card, was nervous but knew I have credit card protection if it was a scam. The company XXXX XXXX violated my legal rights to cancel by not furnishing me with the log in details to the travel club until way past the time period. Received log in after a month. Once received, it was clear that the whole travel club is a scam and a fake front for discounted travel. Disputed the charge with the bank 3 times, provided solid evidence that it was a scam /breach of contract - goods not delivered as per contract /substandard. Bank rules in the favor of the merchant just by the merchant merely submitting a copy of the contract. The bank did not protect its consumer from a scam and not did the merchant provide evidence that they fulfilled the contract. The merchant did not deliver what was in the contract and paid for. Request full credit for {$4800.00} ( {$4300.00} & {$590.00} ) also some action needs to be taken so this come can not be scamming consumers, maybe their credit card status should be frozen. Their current XXXX XXXX XXXX rating is an F.

JPMORGAN CHASE & CO.

WA

98275

Consent provided

Web

2021-11-10

Closed with explanation

Yes

2023-04-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have over the past 9 months been trying to get inquires and trying to get incorrect XXXX XXXX and XXXX XXXX information of my credit report I have been a victim of identity theft and have been in 17 data breaches and I have also had money taken out of my account sometimes the banks give me the money back sometimes they do not. I was hit from XXXX XXXX XXXX several times my credit has inquires that are not mine i have filed reports and ftc reports disputes after disputes and keep spending money after money and they are not doing what the consumer law states. I give them disputes of information to take off then they add information. there is even right now a double fraud alert with all bureaus and i have file a police report and i have a active claim with XXXX with the credit collectioon ad still nothing. I have been more than patient i demand that these off my report. police report XXXX XXXX XXXX pages of issues with all the reports and they are not doing anything about it. XXXX is getting the report. tomorrow XXXX XXXX XXXX. I depand that all the XXXX XXXX and all the information names and jobs get taken off immediately.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77389

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2023-08-31

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I did not initiate these inquiries, and I believe they are fraudulent. 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.

FL

32808

Consent provided

Web

2023-08-31

Closed with non-monetary relief

Yes

2021-07-12

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

LVNV Funding keeps reporting higher balances for a collection account that's NOT VALID. This account shouldn't be reporting. Per 15 USC Laws this contributes to unfair practices and increasing amounts thats not existent which further intentionally to decrease my credit score. Please review laws 15 USC 1681 ( a ) ( 2 ) ( B ), 1681 ( e ), 1692 ( e ) ( f ) ( g ) - please know we're seeking lawyer regarding LVNV Funding illegal behavior, as they violate each of these laws.

Resurgent Capital Services L.P.

OH

43068

Consent provided

Web

2021-07-12

Closed with explanation

Yes

2023-03-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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 reportsno consent is fraud. XXXX XXXXXXXX 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.

CA

95662

Consent provided

Web

2023-03-21

Closed with non-monetary relief

Yes

2019-11-13

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

First invest placed a hard inquiry on credit file on XX/XX/2018. Made several attempts to verify signature and contest to contract. Company failed to comply to FCRA Guidelines.

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

First Investors Servicing Corporation, Atlanta, GA Branch

PA

17109

Consent provided

Web

2019-11-13

Closed with explanation

Yes

2023-09-23

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

After being attacked with fraud towards many of my accounts I decided to pull my credit report after filing multiple fraud reports. I have been a XXXX patient during the times of these inaccurate and impermissible inquiries. The dates of address, phone numbers, bank cards, employment history, educational loan status is not right. I believe as it was explained to me by my advisors that my right has been violated under the, - FCRA Violations, Section 609 Stipulations, 15 USC 1692, 15 USC 1602, 15 USC 1601, and 15 USC 1666 are all in the investigation report received from TransUnion and its third-party consumer investigation. I took the necessary steps with locking my accounts and reporting these fraud attempts. My TransUnion file number is in my report. 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.

PA

XXXXX

Consent provided

Web

2023-09-23

Closed with non-monetary relief

Yes

2022-09-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.

EQUIFAX, INC.

DE

19901

Consent provided

Web

2022-09-08

Closed with explanation

Yes

2020-11-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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

Experian Information Solutions Inc.

FL

33064

Consent provided

Web

2020-11-26

Closed with explanation

Yes

2022-07-25

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In the accordance with the fair credit reporting act XXXX XXXX ( XXXX XXXX ) Account # XXXX has violated my rights. 15 U.S.C 1581 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

DE

19802

Consent provided

Web

2022-07-25

Closed with non-monetary relief

Yes

2022-12-15

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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

Experian Information Solutions Inc.

MD

20602

Consent provided

Web

2022-12-15

Closed with explanation

Yes

2023-04-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am victim of identity theft. These items are not conducted by me as a consumer : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

SC

295XX

Consent provided

Web

2023-04-19

Closed with explanation

Yes

2020-06-05

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.

National Credit Adjusters, LLC

TX

78218

Consent provided

Web

2020-06-05

Closed with explanation

Yes

2022-04-25

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I, the consumer and natural person, was denied credit by Navy Federal Credit Union when I applied for a Flagship Rewards card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against by NFCU due to the response I received. NFCU is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of NFCU If NFCU fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make NFCU criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I currently have a secured card of {$300.00} 1662 ( b ) - It is illegal to require any downpayment in connection with a consumer credit transaction. I have my card for almost a year now and every time I apply for an increase I get denied, I may have high credit usage all the time because im on other authorized accounts but I've never missed a payment and if anyone other than a computer generated response actually checked my credit report and see that I have 3 auto loans which I had for over a year where ive never missed a payment i have 0 derogatory remarks with 13 accounts all in positive standing. but yet I cant get an increase. As the document recently received appears to be from NFCU, the word We is referenced several times throughout the document as if multiple individuals or person ( s ) are involved in the creation of this computer-generated letter. Since the document includes no signature ( s ), would all individuals in their private capacities who are involved in said writing please identify themselves, so that I can properly address such individuals. NFCU claiming to be the creditor for the credit application submitted seems to be an error as that would be in contradiction of 12 CFR 1002.2 ( l ), which defines a creditor as... the term does not include a person whose only participation in a credit transaction involves honoring a credit card. 12 CFR 1002.2 ( k ) defines a credit card as meaning any card, plate, coupon book, or other single credit device that may be used from time to time to obtain money, property, or services on credit. The credit card that was to be honored in said transaction is the Social Security Card, specifically the account numbers placed on the electronic credit application. If there is any presumption that the said Social Security Card/Account is not used to obtain money, property, or services on credit see 26 CFR 301.7701-11 as security is defined within the meaning of this regulation in reference to the social security number as ... or warrant or right to subscribe to or purchase, any of the foregoing ; negotiable instrument ; or money. - ( Source : 26 CFR 301.6323 ( h ) -1 ). Recently NFCU Took {$600.00} out of my savings for NFS FEES where NFCU allowed ONE SINGLE merchant to abuse and XXXX my account until it was over draft by {$600.00}, I've contacted merchant/creditor to stop they ignored. I locked my card, got a new card, called XXXX federal and asked about over draft protection by all my means to prevent this. my account still got charged and overdraft I was penalized for not having money in my account and for that I ended up with a closed checking 's account and {$600.00} in debt over XXXX FEEs that navy federal " may '' charge. " may '' is a huge word in this policy. may is at one discretion. meaning at navy federal at its discretion may charge the fee. i don't think its fair or nor is this good banking. I did everything in my power to prevent my account from over drafting and closing. Navy Federal knew I had no monies and continued to all ONE SINGLE merchant to build up {$600.00} NFS FEE 's. I was never told that I was able to opt for overdraft protection through their banks to avoid NSF fees. Non-sufficient funds and overdrafts are two different things, though both relate to a shortfall in funds, and can trigger fees. For navy federal to take {$600.00} out of my savings when I've sent a cease and desist on collections is uncalled for and petty. how much money does navy federal makes just off fees alone just another way to rob the consumers.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

AZ

85353

Consent provided

Web

2022-04-25

Closed with explanation

Yes

2017-07-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

A " hard '' pull was performed on my individual account by XXXX on XXXX XXXX, XXXX. The address listed for the inquirer is XXXX XXXX XXXX, XXXX, TN XXXX. Phone number : ( XXXX ) XXXX Credit report states that this is from the automotive category. We have not had a auto purchase or inquiry at that time frame.

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

Experian Information Solutions Inc.

PA

15601

Consent provided

Web

2017-07-28

Closed with non-monetary relief

Yes

2023-05-24

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

Hello, I received a settlement check, but lost it. Wells Fargo wants me to give them the check number to verify. I lost the check, so I don't have one, and around we go. This was an older settlement. 2021, I think. XXXX XXXX

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

WELLS FARGO & COMPANY

CA

90731

Consent provided

Web

2023-05-24

Closed with explanation

Yes

2021-08-16

Vehicle loan or lease

Loan

Struggling to pay your loan

Lender trying to repossess or disable the vehicle

I filed a chapter XXXX bankruptcy and my auto loan was included in the bankruptcy my Bankruptcy discharged and I was never notified from GM what needed to be done and they repossessed my vehicle without calling or sending me any correspondence I reached out to them and the rep stated by bankruptcy discharge was denied and that is not accurate.

General Motors Financial Company, Inc.

IL

60073

Servicemember

Consent provided

Web

2021-08-16

Closed with explanation

Yes

2020-08-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

TO WHOM THIS MAY CONCERN, I AM XXXX YEARS OF AGE AND MY IDENTITY WAS STOLEN I NEVER HAD SO MUCH OF THE DEBT AND CREDIT CARD IN MY WHOLE LIFE LIVING SOMEONE HAS PRETENDED TO ME AND IM JUST CHECKING MY BECAUSE I WANTED TO BUY ME A HOUSE FOR ME AND MY XXXX HUSBAND. I DONT KNOW HOW MUCH THE AMOUNT WAS ON EACH NEGATIVE ITEMS BUT CAN YOU PLEASE INVESTIGATE AND DELETE FROM MY CREDIT REPORT PLEASE.

EQUIFAX, INC.

IA

52001

Consent provided

Web

2020-08-14

Closed with explanation

Yes

2020-09-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I reviewed my Chex Systems Consumer Report ID : XXXX and there are numerous credit inquiries listed on my consumer report. All of the credit inquiries are fraudulent and unauthorized except one from XXXX XXXX, the rest of the credit inquiries listed on my Chex Systems Consumer Report are all fraudulent, unauthorized and not my credit inquiries. There should only be 1 credit inquiry on my consumer report, and thats XXXX XXXX. Furthermore, the negative checking account from XXXX XXXX and XXXX is a fraudulent account and not my account. I am a victim of identity theft and has a current police report on file with Chex Systems.

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

Fidelity National Information Services, Inc. (FNIS)

MN

55408

Servicemember

Consent provided

Web

2020-09-10

Closed with explanation

Yes

2020-11-11

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

XXXX XXXX XXXXXXXX and XXXX do not update the free credit score/fico score like all my other cards, the only time it get updates is when I call transunion. When I call XXXX XXXX XXXX or chat with XXXX they said it is up to trans union to update when i call trans union they say banks have to report. I have approx 10 credit cards all paid off and XXXX XXXX XXXXXXXX and XXXXXXXX is the only ones not updating my score. With other credit cards my score is XXXX and XXXX XXXX XXXXXXXX have me at XXXXit stayed at XXXX for a few months when others updated monthly. XXXX finally have me at XXXX and have not updated since XXXX. XXXX XXXX XXXXXXXX denied me home loan because of my credit score several years ago and now they refuse to update my fico score consistently like other credit card companies that also get their reports from Trans Union, so I can get a better interest rate and loan amount/ XXXX fico score XXXX XXXX credit score XXXX all other credit cards XXXX - XXXX The only reason these to cards changed there score at all is because I was constantly calling them and Transunion , for awhile they both was still reporting XXXX after other cards had me over XXXX. I feel like they do not want to up my score appropriately so I don't have access to home loans. I feel I am being discriminated by these to entities. Yes I am XXXX American.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Consent provided

Web

2020-11-11

Closed with explanation

Yes

2020-10-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. My personal information has been compromised. Someone has opened up fraudulent accounts in my name. I did not authorize any of these accounts. I am a victim of identity theft and I am being further victimized by the bureaus. Please investigate these fruaudlent accounts from my credit report. I am trying to buy a home for my family and these fraudulent accounts are casuing me and my family emotional distress.

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

Experian Information Solutions Inc.

AL

361XX

Consent provided

Web

2020-10-21

Closed with explanation

Yes

2020-03-27

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

The fraudulent company XXXX XXXX XXXX was taking {$190.00} from my account from XX/XX/XXXX until XX/XX/XXXX and then they started charging {$40.00} from XXXX until XX/XX/XXXX. I tried to settle this with the bank but they did nothing, no one ever called me and this company was fraudulent. SunTrust bank did not give me any money back as this company stole my money without my authorization. Then they tried to close out my account after initially denying the claim, it appears as if this was retaliation for filing the complaint. I contacted the company. Who didnt respond due to being XXXX down by the government, disputed it with the bank to no avail, filed a complaint with with the OCC snd now were here, they have done nothing nor has researched anything. Hopefully theyre a better bank as Truist bc tax Suntrust not so much.

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

TRUIST FINANCIAL CORPORATION

TX

75240

Consent provided

Web

2020-03-27

Closed with explanation

Yes

2022-12-30

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Can't stop withdrawals from your account

I keep getting charged for something I did not authorize.

Sezzle Inc.

TX

78130

Consent provided

Web

2023-01-25

Closed with explanation

No

2018-07-29

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy. We were discharged from the plan in XX/XX/XXXX. At that time, the trustee sent us a refund for over payment. Included in that refund was all money paid to Sallie Mae ( now Navient ) about {$6700.00}. In XX/XX/XXXX, I received notification that I needed to start making payments to Navient for the student loan. I have continued to pay on the loan since XX/XX/XXXX. I don't understand why Sallie Mae refunded the {$6700.00} when the loan had been paid off through the bankruptcy. I believe that since we had paid off the loan in the bankruptcy, I should not have to repay the money again.

Navient Solutions, LLC.

LA

71111

Consent provided

Web

2018-07-29

Closed with explanation

Yes

2021-04-27

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

I lend my chime card to someone i know due to he needed something i gabe him permission to use my card i gave him my pin there was {$13.00} only available.. now upon name " XXXX XXXX XXXX he is a XXXX.. him return my card after he dropped me off to the hotel i was staying at here in XXXX XXXX nevada i notice there was some changes on my card like the 16 digit number was reprinted solid black and the cVv # was different from my records of photo copy that i have and expiration date was changed.. now not on that ive only been around a few people the second day of my arival my phone was hacked/ or maybe traded out with a different phone but the same look alike as mine.. ive been back and forth to the banks i bank with and told me to report this ASAP so now I reached out to all of my banks i associates w my account banks cellphone number and phone has been compromised.. I believe so that my identity has been stolen ... i have no access to anyof my account email or banks.. please some investigate this .... this has gone way to far.. alot has happened alot.. money purchased from my XXXX XXXX XXXX and chime and XXXX XXXX card transactions history are most likely the same when i did research.. i have a few screen shot.. my card when i call are already link and set up to be declined and auto paste when i log in ... please investigate my phone i have and all my card and orther account.. I believe that XXXX XXXX is not the only one there are more thats part of this ... i will surrender all my cards phone etc thats needed.. i have a few idea of who else is involved ... money has become missing and my banks accounts are closing at this monentXX/XX/2021.. the banks are not disputing some orther changes and im still working on resolving this matter with them.. i have more information documented to share upon request for interview

Chime Financial Inc

NV

89110

Consent provided

Web

2021-05-03

Closed with explanation

Yes

2022-09-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To whom to may concern there is erroneous/ inaccurate information on XX/XX/2021. I am currently being hit with a bunch of hard inquiry 'd on the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I never gave any car dealership the right to run my credit score 6 separate times on the same day.

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

Experian Information Solutions Inc.

NY

10305

Consent provided

Web

2022-09-23

Closed with explanation

Yes

2020-08-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

AMSHERCOLLECTIONSERVICES # XXXX To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AMSHERCOLLECTIONSERVICES # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809,807 ( 1 ) AMSHERCOLLECTIONSERVICES # XXXX Validations of date and Mini-Mirandi under Section807 ( 1 ) AMSHERCOLLECTIONSERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation AMSHERCOLLECTIONSERVICES # XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES # XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. AMSHERCOLLECTIONSERVICES # XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

OH

43219

Consent provided

Web

2020-08-24

Closed with explanation

Yes

2023-10-03

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

On XXXX XXXX, XXXX, I was just checking my credit card statement on my Bank of America Cash rewards card and noticed THREE charges that I DID NOT MAKE! They were all over {$300.00} at XXXX XXXX -- {$300.00} in XXXX XXXX CA, {$320.00} in XXXX XXXX, and {$320.00} in XXXX. They were pending at the time. I called immediately and talked with a young man and entered a fraud dispute. I had my credit card cancelled immediately as well, and a new one was issued and is currently in the mail. A few days later the charges were reversed. I checked my account today ( XXXX XXXX ), and the reversed charges were RE-ENTERED! A letter on our account just said they were unable to approve my claim. That " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' THIS IS NOT TRUE!! I don't know what to do. I have tried to get through calling, but I'm continually transferred to another number and then never can talk to anyone.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

75703

Older American

Consent provided

Web

2023-10-03

Closed with monetary relief

Yes

2020-03-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized account.

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

Experian Information Solutions Inc.

CA

95678

Consent provided

Web

2020-03-24

Closed with non-monetary relief

Yes

2021-05-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

We were in the process of refinancing our home and current creditor ( XXXX XXXX ) let us know their was a current loan affecting available refinance rates. Loan was from XXXX XXXXXXXX XXXX in the amount of $ XXXX. I do not have any outstanding loans currently and thats how i found out i have an unauthorized loan under my name. I contacted XXXX XXXXXXXX XXXX and was able to obtain the following information regarding this unauthorized loan. Name for Loan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$36000.00} ( they have paid $ XXXX of the loan and the outstanding balance is $ XXXX ). Account # : XXXX. {$1100.00} Monthly payment i want to go about all the channels available to us to make sure we report this fraud and have it removed from my account. Thank You.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77082

Consent provided

Web

2021-05-18

Closed with explanation

Yes

2016-03-27

Student loan

Non-federal student loan

Dealing with my lender or servicer

Received bad information about my loan

In 2012 I received a loan from XXXX XXXX, my mom chose to make payments monthly to lower principal balance and would n't have to pay so much when I graduated. My mom paid XXXX and then at some point it became Navient. My mom had a fianancial hardship but ultimately could n't pay 2 months but at the end of those 2 months they were able to pay the full amount and even the next months amount, thinking she was completely up to date. Then we began receiving harassing phone calls from a man from XXXX saying I owed money and needed to pay now. He would yell and threaten to ruin my credit to my mom and myself. XXXX called my grandma saying that our full balance was over {$25000.00} but if we paid {$10000.00} it the loan would be satisfied. My grandma then called back a week later offering to pay that {$10000.00} amount, she took money from her retirement savings to be able to pay him, she was nervous because he offered no information that assured us that this was real and would n't come back later on saying we never payed. After putting her on hold repeatedly, they ultimately hung up on her, then said they no longer had the account. Now I remain in confusion because when I call Navient to ask them who I can properly pay to, they send me straight to XXXX without giving me a chance to speak with them. This has ruined not only my grandmothers credit but my own. I never expected it would be legal for any company to act like this and leave consumers in the dark.

Navient Solutions, LLC.

NY

11375

Consent provided

Web

2016-03-27

Closed with explanation

Yes

Yes

2022-11-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07307

Consent provided

Web

2022-11-25

Closed with non-monetary relief

Yes

2018-07-09

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

Credit reporting

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

Their investigation did not fix an error on your report

I recently got a copy of my credit file from Experian due to a inquiry that popped up on their. I have not applied credit in a long time. Who authorized someone to pull my credit file? Who allowed for them to pull my credit file when I have a Fraud Alert account? According to the FCRA, it's unlawful to provide my credit file without my approval or consent.

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

Experian Information Solutions Inc.

TX

77007

Consent provided

Web

2018-07-09

Closed with non-monetary relief

Yes

2020-05-13

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 XX/XX/XXXX, I contacted Experian regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report. Some of the Companies do not have phone numbers. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

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

Experian Information Solutions Inc.

TX

77459

Consent provided

Web

2020-05-13

Closed with explanation

Yes

2023-05-04

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewedit. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate theseaccounts ( A ). It is not permissible to fail to validate these reporting accounts as unverifiedinformation without providing any proof within the time frame specified by law. My creditreport includes the following erroneous information that needs to be investigated andcorrect : 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.

TX

77521

Consent provided

Web

2023-05-04

Closed with non-monetary relief

Yes

2016-01-18

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt was paid

I am a XXXX veteran and I was treated on XXXX/XXXX/13 at XXXX XXXX Hospital as per an agreement between the Veterans Administration and XXXX Hospital. The VA has made payment in full for this treatment. This is the second or third time I am having to deal with this. The collection company name has changed from the XXXX now to Avante USA but a XXXX XXXX is the CEO. This leads me to believe that this is the same company. The name XXXX XXXX XXXX I am not familiar with at all. The fact that they have out of the blue turned up and have entered this account as a collections account on my XXXX credit file upsets me very much.

AVANTE

LA

70131

Older American, Servicemember

Consent provided

Web

2016-01-21

Closed with explanation

Yes

No

2020-11-11

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

Credit reporting

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

Was not notified of investigation status or results

I have disputed several accounts from my credit report with XXXX, XXXX, and Transunion. I have sent a total of 4 different letters asking for a response and have yet to be notified that an investigation has even been started on my behalf. The letters were sent on the following dates : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76065

Consent provided

Web

2020-11-11

Closed with explanation

Yes

2020-04-24

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I applied for a car Ioan with a couple of dealers and on the loan application I advised them to only shop my loan with XXXX XXXX because I had a preapproval. The finance managers at the dealership ran my credit with several banks within days of each inquiry and ran my information more times than I was advised. I was getting numerous letters from finance companies that I never heard of and I asked the inquiries to be removed by all of the bureaus. I was denied a car because of too many inquiries. I tried again and the same thing happened again. I even noted on the application that I only wanted my information submitted to XXXX XXXX and XXXX XXXX. Now there are over 40 inquiries on my report of which I only authorized a few of and now I am afraid to submit the loan application because of all these inquiries.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30122

Consent provided

Web

2020-04-24

Closed with explanation

Yes

2022-06-10

Checking or savings account

Checking account

Opening an account

Unable to open an account

On XX/XX/XXXX and XXXX th my husband and I opened an checking account with bmo Harris. We wanted a debit card we could use in the US. The agent took all our information but in the application o the XXXX put in our sin numbers and never asked if we had individual taxpayer identification numbers which I now know I need to have on my account in order to open it. We both have XXXX numbers as we had a house in the US and ran an XXXX XXXX XXXX XXXX. We also never gave a user Id. I have spent hours on the phone with so many people and even the agent that opened our account. The security question to me was what account did you open. I said a checking account. I was supposed to say smart advanced checking account. Then I was frozen out. I talked to a supervisor who said if I went to my local bmo branch with my Id and get a verbal passcode all would be well again and I could get into my account. I did this and after waiting about 45 minutes with the agent giving all my details to bmo Harris. Then I had my verbal passcode and was verified. The next day nothing was changed and now I have to go to a Notery which I am told is the only way to get into my account which we have deposited {$50.00}. The XXXX will cost us {$75.00} each. I also said I would take a pic of my itin or password and send it to you but now all they will do is make me go to a XXXX. Please help

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

BMO HARRIS BANK NATIONAL ASSOCIATION

XXXXX

Consent provided

Web

2022-06-10

Closed with explanation

Yes

2020-07-05

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

Credit reporting

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

Their investigation did not fix an error on your report

Hi I am writing this complaint against XXXX and Equifax. XXXX and Equifax both said they verified a Fraudulent XXXX XXXX collection account on my credit report. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I have also attached the correspondence I have rec-ivied from XXXX and XXXX. I have also attached my ID so XXXX cant falsely say I hired someone to dispute these for me. I also want XXXX to know I have filed a complaint with the Attorney General Office and my next step is litigation

EQUIFAX, INC.

AZ

85226

Servicemember

Consent provided

Web

2020-07-05

Closed with explanation

Yes

2020-03-10

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

Good morning. The reason for this letter is to seek some help with three financial institutions with which I have been a client for years and so far I believe that they have treated my case unfairly. In XXXX, I became a father of XXXX but unfortunately they were born in XXXX XXXX California at only XXXX weeks XXXX, because they were XXXX XXXX we went through a lot of difficulties, even one of the babies XXXX 5 days after birth. I was in XXXX XXXX for almost 6 months while my 2 XXXX girls were recovering so I had to move to XXXX XXXX so I could be with them in the hospital every day and make sure everything would be okay with them. As you can imagine what it means to leave your home, to find a place to stay in XXXX XXXX, to eat, etc., unfortunately the job I had couldn't keep my position and I had to quit within a month of asking for permission to be with my girls. From that moment on, my financial difficulties began, between medical expenses, rent, food, and credit card payments which I was able to make by taking money from my savings. And that is where I want to explain in detail why I feel it is unfair what has happened to me with three financial institutions. The first dispute I want to talk about is with XXXX XXXX, I have 2 cards with them and I have never been late on any payments, on the contrary, I was even paying off the debt in full. When I explained to them the situation I was going through and gave them all the information of why I was late in payments the only option they gave me was that I had to pay {$560.00} a month not to close the account, which I told them seemed like a lot of money at that time because I was coming back from XXXX XXXX and I explained my whole situation even sent letters from the hospital, but they didn't help me in any way. I made the greatest effort possible and paid {$560.00} for about three months, but I could not continue to pay that amount of money, I called again and asked to lower my monthly payment but there was no payment arrangement for more than I asked, I called several times and they did not give me any kind of help and closed the account which I am still paying, now {$220.00} per month because after they closed it was that they told me I could pay {$220.00}. This whole situation does not seem fair to me at all. I did everything possible to pay, I called to negotiate lower payments and they never helped me avoid closing my account. The second company with which I have to explain my dispute is XXXX, I had with them an XXXX XXXX, which I used very rarely and paid in full, but with them something very peculiar happened, as in my previous case I called to explain the situation that was happening, I made payments until I could from my savings to avoid late payments etc. I always made the payments through the application and never noticed anything out of place. After a few months, in XX/XX/XXXX, I realized that the account had been closed without any notice, even when I called repeatedly to explain the situation. The only way I realized that the account was closed was by logging into the desktop version since the application does not give any kind of notification or anything like that. I have called many times and asked to speak with a manager. They opened a case for me and still nobody wants to be responsible for the account being closed without any kind of notification, they did not even send me letters or statements informing me of the situation, not even a phone call. Three weeks ago I was able to talk to a manager and finally he was the only person who understood my case, he listened to me and he could see that in his system they had never sent me notifications that my account was closed, it was not until a few weeks ago that I received about 6 letters from XXXX informing me that the account was closed, do you think this is fair or valid for a client? That a person after having called countless times trying to solve this problem nobody listens to you or gives you an answer or takes your case seriously? I don't know what else I could do to get this account reopened because as I mentioned I was never notified that it was closed, I still make the payments on a monthly basis. The third company is Wells Fargo, maybe I had a card with this company for years which I never used alone to settle some accounts but unfortunately they closed it and as in the other cases I exposed my case and still did not have any help.

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

WELLS FARGO & COMPANY

FL

33133

Consent provided

Web

2020-03-10

Closed with explanation

Yes

2022-03-11

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

Credit reporting

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

Their investigation did not fix an error on your report

It states that my dispute was verified and item removed from report. XXXX has you your current report and I go there and it's on there still

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

185XX

Consent provided

Web

2022-03-11

Closed with non-monetary relief

Yes

2021-05-01

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Receive letter from Zwicker & Associates, P.C. who are supposed the law firm retained by XXXX XXXX XXXX XXXX. I submitted complaint with CFPB in form of a validation of debt letter/cease and desist, Affidavit of Truth, Invoice for federal violations accompanied with Exhibits. Copies were mailed physically to Zwicker & Associates P.C. as well. Since this prior submission of these documents. Nothing positive with respect to U.S. Codes was resolved. In fact XXXX XXXX somehow had XXXX send me correspondence telling me the consumer, natural person and original creditor pursuant to 15 USC 1602 ( g ) that the alleged debt ( this alleged debt is a charge off which there is no definition in law to define what this is, and I never consented to this being in any of my consumer credit reports ) was verified and also that it was mine. I never validated any alleged debt so it'll infuriated me tremendously to read that a credit reporting agency basically told me an alleged debt was mine without giving any law to justify so. This is truly depressing me. I feel extremely threatened due to the stature of XXXX XXXX believing they are above law which was enacted by Congress. So I'm submitting another Affidavit of truth including Zwicker & Associates XXXX, XXXX by XXXX XXXX also known as XXXX XXXX XXXX, XXXX, XXXX and XXXX.

ZWICKER & ASSOCIATES

VA

23454

Consent provided

Web

2021-05-01

Closed with explanation

Yes

2017-07-22

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Don't agree with the fees charged

Deceptive practices and current lawsuit University XXXX XXXX recruiting of military personnel and veterans.deceptive practices and current lawsuit. Grossly mislead and taken advantage of as a XXXX Veteran. I 'm currently involved in a Class Action Lawsuit against University XXXX XXXX.

AES/PHEAA

FL

34208

Servicemember

Consent provided

Web

2017-07-22

Closed with explanation

Yes

2022-10-07

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ;

EQUIFAX, INC.

CA

90680

Consent provided

Web

2022-10-07

Closed with explanation

Yes

2023-03-08

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX Balance : {$0.00}

EQUIFAX, INC.

MD

20747

Consent provided

Web

2023-03-08

Closed with explanation

Yes

2020-07-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

This complaint is regarding an auto loan through Wells Fargo Dealer Services, account # XXXX for a XXXX XXXX. I was the registered owner of the vehicle, and Wells Fargo was the legal owner. On XX/XX/XXXX, the vehicle was towed by the XXXX XXXX Police Dept. In contacting the XXXXPD, I was advised the car would only be released to the legal owner, Wells Fargo Dealer Services. I was in the process of disputing the towing of the vehicle and any unpaid tickets. To date, I have not received any correspondence ( phone or written ) from Wells Fargo on this loan, the vehicle, and the account. Also, the XXXXDP has never made contact about picking up the vehicle or any money owed. Given I never received any information from the Wells Fargo or the XXXXPD, I was under the impression that Wells Fargo repossessed the vehicle, sold it, and closed the account. In XX/XX/XXXX, I noticed on my credit report that Wells Fargo had sent this account to collections without any notice or correspondence. They reported the account as a charge off and bad debt in the amount of XXXX. When I contacted Wells Fargo about this situation, they refused to provide any documentation on attempts to contact me about the account and the debt owed. I requested documents from the DMV to determine what happened to the vehicle. Per the DMV documentation, a lien sale was authorized on XX/XX/XXXX. The notice of the lien sales was sent to Wells Fargo, with a copy to me at an incorrect address. Therefore, I never received notice of the intent to sell or authorized the sale of the vehicle. On XX/XX/XXXX, the lien sale was conducted, the vehicle sold for {$4200.00} and XXXX in fees. To resolve this issue, Wells Fargo Dealer Services to cease all debt collection activities, remove derogatory debt collection reporting from all credit bureaus, and forgive the bad debt in the amount of XXXX. This issue is a contract dispute where Wells Fargo allowed the vehicle under contract to be sold via a lien by a 3rd party. They did not inform me of the sale and sent me to internal collections without any notification. The contract titled " Motor Vehicle Retail Installment Sales Contract '' dated XX/XX/XXXX ( the " Contract '' ), is an adhesion contract and unconscionable, accordingly Paragraph 2b on page 4 of the contract would be strictly construed against the " Seller '' ( Wells Fargo Dealer Services ). Hence, the " may '' in paragraph 2b on page 4 should be a " shall '' given the fact that the entire contract talks about what the " Buyer '' should do and what the " Seller '' ( Wells Fargo Dealer Services ) should do. Consequently, Wells Fargo should have paid the lien and retrieved the vehicle and had the " Buyer '' pay what Wells Fargo paid per Paragraph 2b on page 4 of the contract. Wells Fargo 's failure to do that and, thus, the car sold in an auction, means Wells Fargo technically repossessed the vehicle. Civil Code 3519 ( " He who can and does not forbid that which is done on his behalf, is deemed to have bidden it '' ). To resolve, Wells Fargo needs to close the account and remove this as a collection item from my credit report. As mentioned, I have not received any correspondence or documentation from the lender concerning this account since XX/XX/XXXX. It should be considered a closed account and removed from my credit report, as it is a violation of the Fair Credit Reporting Act. This suit involves a contract dispute where Wells Fargo allowed the vehicle under contract to be sold via a lien by a 3rd party. They did not inform me of the sale and sent me to internal collections without any notification. Wells Fargo made no attempts to retrieve the vehicle, collect the money from the lien sale, contact me regarding the lien sale, or contact me regarding any debt owed. Wells Fargo has released their right to any money owed or debt from the loan account. Wells Fargo allowed the vehicle to be sold and did not collect the money from the vehicle sale. Again, the Wells Fargo Dealer Services needs to cease all debt collection activities, remove derogatory debt collection reporting from all credit bureaus, and forgive the bad debt in the amount of XXXX.

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

WELLS FARGO & COMPANY

CA

90069

Consent provided

Web

2020-07-06

Closed with explanation

Yes

2020-03-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I applied for a loan today XX/XX/2020 because I was laid off of work and I need to pay a few bills but I was not approved. The reason why they couldn't approve me is because there were a number of negative accounts appearing on my credit report ; I looked through each account and none of them belong to me. I did not open any of those accounts nor did I allow anyone to open them on my behalf. I did not benefit anything form all of these accounts being open in my name such as money, goods, services or an other benefit nor did I ever make any payment towards any of these accounts. I do not have any written or verbal contract with any of these companies and I never gave them access to my credit information. I have already filed a police report and a complaint with the CFPB regarding all of these unauthorized accounts on my credit report.

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

Experian Information Solutions Inc.

CA

94596

Consent provided

Web

2020-03-16

Closed with non-monetary relief

Yes

2019-11-20

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

This complaint is not about my ability to pay. Rather, I believe this credit card, a TCF Bank Visa issued by First Bankcard of Omaha, is intentionally misleading cardholders through the Minimum Payment Due language. The stated Minimum Payment Due amount is always higher than the payment shown in the Minimum Payment Warning chart that shows how much time it will take to pay off the balance if paying the minimum payment as opposed to making a payment of another amount. So, for example, the Minimum Payment Due amount on my latest statement is {$74.00}. According to the Minimum Payment Warning chart, if I make only the minimum payment ( and make no additional charges, ) I will pay off the balance in " about ... '' 5 years. However, If I make no additional charges and want to pay off the balance in 3 years, the amount I am advised to pay is {$62.00}. One can not make a lower payment and pay the balance off in less time, obviously. I believe this misleading and incorrect information has been provided intentionally to manipulate people into making less than the minimum payment. I have spoken to the company about this and never got past " Oh, I see! That IS strange. I'll take this right to my supervisor! '' This practice has gone unchanged since the very first statement I received from the company back in XX/XX/2017.

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

FIRST NATIONAL BANK OF OMAHA

WI

53212

Consent provided

Web

2019-11-26

Closed with explanation

Yes