Datasets:

aciborowska

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customers-complaints-test

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2020-07-07

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with the interest rate

Honda financial offered a two month Payments deferral towards the end of the life of the auto loan. Now my balance for sample was XXXX after the two months my new balance was XXXX so it went up because they added interest charge on my account for the last two months. So instead of starting making payments on XXXX where I left now I have to start making payments on a higher amount on top of being changed interest for the last two months. So is Honda financial helping customers due to COVID 19 or XXXX up the customers?

AMERICAN HONDA FINANCE CORP

CA

95355

Consent provided

Web

2020-07-07

Closed with explanation

Yes

2020-01-07

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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

Medical Data Systems, Inc.

GA

31324

Consent provided

Web

2020-01-13

Closed with explanation

Yes

2023-06-21

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

To : EQUIFAX Information Services LLC Reference to the above-mentioned subject and the below Disputes confirmation numbers, we are officially and legally asking EQUIFAX to release Any and ALL documents, pictures, videos etc that you received as a prove that you accordingly decided to complete and close the following NINE ( 9 ) False Collection amount dispute requests by responding to all of them by the following messages : Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Collection : INNOVATIVE RECOVERY INC EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. Release all documents that you get it under investigation for EACH of the following Dispute requests confirmation numbers : 1. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 2. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 3. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 4. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 5. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 6. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 7. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 8. Dispute Confirmation number : XXXX Closed by XX/XX/2023. 9. Dispute Confirmation number : XXXX Closed by XX/XX/2023. All document should to be send to my OFFICIAL Address listed here below : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Thanks in advance for your URGENT and Prompt reply! Sincerely, XXXX XXXX

EQUIFAX, INC.

TX

76053

Consent provided

Web

2023-07-25

Closed with non-monetary relief

Yes

2022-07-28

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroenous accounts being reported on my File because the Credit Bureaus have been doing nothing! This complaint is to follow up my previous cmplaints and letters I submitted on XX/XX/ 2022 and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if the Credit Bureaus chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows : XXXX XXXX Late Dates XXXX, XXXX & XXXX XXXX XXXXXXXX Late Dates XXXX XXXX XXXX XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX, XXXX - XXXX XXXX XXXX Late Dates XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90501

Consent provided

Web

2022-07-28

Closed with non-monetary relief

Yes

2020-11-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts, XXXX XXXX the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of this alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law.The continuance of the debt collector XXXX XXXX reporting this alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law. 15 U.S Code 1692g Validation of Debts : ( a ) NOTICE OF DEBT ; CONTENTSWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) DISPUTED DEBTS If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. A national bank has no power to lend its credit to any person or corporation. ... XXXX v. XXXX XXXX. XX/XX/XXXX, XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX XX/XX/XXXXXXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX. There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. The alleged debt owed that the debt collector XXXX XXXX is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law. 15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c XXXX The term consumer means an individual. ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; Pursuant to Federal Law 15 USC 1692 C, the debt collector XXXX XXXX must cease collection, and communication of and in reference to the alleged debt owed that I am refusing to pay. XXXX XXXX has violated my rights pursuant to Federal Law by communicating with a third party about an alleged debt owed. 15 USC 1692 Communication in connection with debt collection ( a ) COMMUNICATION WITH THE CONSUMER GENERALLYWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock antemeridian and before XXXX oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. ( b ) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ( c ) CEASING COMMUNICATIONIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am demanding monetary relief of {$100000.00} for damages, defamation of character and violation of my rights. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full. 15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation. Respectfully, XXXX XXXX

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

Experian Information Solutions Inc.

GA

30132

Servicemember

Consent provided

Web

2020-11-19

Closed with explanation

Yes

2022-03-26

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

Credit reporting

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

Investigation took more than 30 days

USPS Tracking # XXXX received bt TransUnion on XX/XX/2022 requesting Their investigation process concerning a bankruptcy showing on my consumer report. No response from CRA as of today which is well past the 30 day FCRA guideline

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32068

Consent provided

Web

2022-03-26

Closed with non-monetary relief

Yes

2019-10-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ***

EQUIFAX, INC.

NV

89014

Consent provided

Web

2019-10-22

Closed with explanation

Yes

2017-10-17

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation. Thanks, A Very Concerned Petitioner

Company believes complaint represents an opportunity for improvement to better serve consumers

HW Holding, Inc

TX

76006

Consent provided

Web

2017-10-17

Closed with explanation

Yes

2020-08-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Its been over 30 days and I've reached out several different times. These Companies hasn't responded or opened my request to dispute any of the items I have requested to dispute. TransUnion and XXXX both just opened a dispute today XX/XX/2020, when the initial request and complaint was submitted XX/XX/2020. By Law they are not complying and its not fair I am now Requesting that they remove all unverified items from my credit report. The Law requires them to respond within 30 days. Failure to comply with these federal trade Commission ( see 15 USC 41, et seq. )

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90631

Consent provided

Web

2020-08-17

Closed with explanation

Yes

2023-03-18

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.

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

Experian Information Solutions Inc.

AR

72118

Consent provided

Web

2023-03-18

Closed with explanation

Yes

2023-08-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Experian Information Solutions Inc.

TX

754XX

Consent provided

Web

2023-08-02

In progress

Yes

2022-03-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I the consumer, in fact, am a victim of identity theft and pursuant to 15 USC 1681c-2 I am re-questing the block of such information resulting from such identity theft from my consumer re-port. I am fully aware that pursuant to 15 USC 1681c-2 ( c ) the consumer reporting agencies have the authority to decline or rescind requests to block information. My request was not made in er-ror nor is there any material misrepresentation by me the consumer so my request should not be declined.

EQUIFAX, INC.

OK

73160

Consent provided

Web

2022-03-10

Closed with explanation

Yes

2022-07-26

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX

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

Experian Information Solutions Inc.

GA

30135

Consent provided

Web

2022-07-26

Closed with explanation

Yes

2020-03-18

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

i keep receiving letter from portfolio recovery associates, LLC about the debt but they fail to show me the proof of original contract to show me i owe that money.

PORTFOLIO RECOVERY ASSOCIATES INC

VA

20164

Consent provided

Web

2020-03-19

Closed with explanation

Yes

2022-02-01

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Intent to file lawsuit, no response for Validation documentation. Validation Letter sent to : XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor Sears. I have received no response from them and/or no proof to validate their claim. They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor Sears. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. Sincerely

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

CITIBANK, N.A.

GA

30314

Consent provided

Web

2022-02-01

Closed with explanation

Yes

2022-06-05

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have asked my creditors to provide to me the written contract with my signature on it. They have ignored my request thus having me believe they do not have the contract. Therefore unless they remove all negative items and collections from my credit report and credit bureaus, I request all creditors be fined {$1000.00} and payable to me immediately by law.

EQUIFAX, INC.

CA

95621

Consent provided

Web

2022-06-05

Closed with explanation

Yes

2022-02-03

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

On XX/XX/22 at XXXX EST, I received a call from ( XXXX ) XXXX while at work, which was a number I did not recognize. I answered the phone, and there was a woman who asked my name, and I confirmed it. Then she gave me the last XXXX of my XXXX and asked me to confirm it. At that point in the call I did not verify and asked who she was/where she was calling from. She would not answer the question until I asked for the XXXX or XXXX time, and then she finally told me she was calling from Portfolio Recovery. Since I was at work I disconnected the call, as I was familiar with them and was surprised they were calling, as I had asked them to stop calling before and even changed my number. They tend to call from a different number every time they call. At XXXX the same night, I called them back at the number they called me on and told them I would like to make a plan to pay the debt within the next few weeks but they need to stop with the XXXX phone calls, giving them the example of not identifying themselves when they are asked to. The woman on the phone, who sounded like the same woman from earlier, proceeded to tell me that that is her job and this is what they are asked to do in their job, and that the phone calls will continue unless I commit to a payment plan today. I did not commit to a payment plan at that time because I did not want to validate the harassment tactics. That is why I am filing a complaint.

PORTFOLIO RECOVERY ASSOCIATES INC

NH

03867

Consent provided

Web

2022-02-03

Closed with non-monetary relief

Yes

2021-02-03

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

There are multiple credit inquiries on my report that I did not authorize. I have disputed these inquiries several times and they have not removed any of the unauthorized inquiries. I disputed these inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have failed to thoroughly investigate my disputes and continue to validate the inquiries.

EQUIFAX, INC.

TX

761XX

Consent provided

Web

2021-02-03

Closed with explanation

Yes

2021-10-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Upon checking my credit report I found that there are fraudulent inquiries on my report I reach out equifax to fix the problem but they did not investigate.

EQUIFAX, INC.

TN

XXXXX

Consent provided

Web

2021-10-08

Closed with explanation

Yes

2023-07-25

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33321

Consent provided

Web

2023-07-25

Closed with explanation

Yes

2022-08-05

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I have 2 Chase credit cards. One of them ( Amazon card ) is being paid automatically from outside checking account ending in XXXX but I will close that checking account. My other Chase credit card is being automatically paid from outside checking account ending in XXXX which is good. I want my Amazon Chase credit card to be automatically paid from my XXXX account like my other Chase card. But when I tried to set up autopay through Chase website, it asked me to log in to my outside bank account which I will NOT do. I messaged through Chase website on XX/XX/22 and asked them to set it up, and XXXX answered on XX/XX/22 " We need to speak with you directly to resolve this issue. Please call us at XXXX XXXX XXXX XXXX. '' So I called that number and, after a time on hold, spoke with XXXX. She refused to help me and instead transferred me to XXXX from tech support who could not help me. Since Chase already has my outside checking account that is paying my other Chase credit card, Chase knows that that is a legitimate account in my name.

JPMORGAN CHASE & CO.

PA

19020

Consent provided

Web

2022-08-05

Closed with explanation

Yes

2022-06-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the BK filing. It would be impossible to have a late payment reported the month following my bankruptcy as this violates the stay. This is being reported on my my XXXX XXXX XXXX 's account as well as my XXXX XXXX XXXX Account

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

Experian Information Solutions Inc.

TX

78665

Consent provided

Web

2022-06-07

Closed with non-monetary relief

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

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} 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

Experian Information Solutions Inc.

NJ

07047

Consent provided

Web

2023-03-21

Closed with non-monetary relief

Yes

2019-06-25

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I have been charged for years a service fee for something called ( Payment Safeguard XXXX ) and this is something I never requested neither remember approving it at all .... I use the card a lot and get hundreds of charges, so could not identify until now. I have called Citibank to cancel that and to apply full refund, however they simply cancelled and even with future date XX/XX/XXXX and not applying the rexpective refund with is very disappointing must say ...., attached is the oldest charges I could retrieve from XX/XX/XXXX and until today I have been charged {$690.00} and I have this card since around XX/XX/XXXX so cant imagine how much I have been charged for over 10 years and need help with this refund please please, Thanks in advance and Best Regards, XXXX XXXX XXXX

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

CITIBANK, N.A.

TX

77494

Consent provided

Web

2019-06-25

Closed with explanation

Yes

2021-07-25

Debt collection

Medical debt

Written notification about debt

Notification didn't disclose it was an attempt to collect a debt

they never took my calls I tried to get in touch with them several times but no luck.

USCB, Inc.

CA

95380

Consent provided

Web

2021-08-05

Closed with explanation

Yes

2019-11-26

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

During TD Bank 's botched system upgrade which made the news : XXXX : XXXX I was unable to access any of my accounts for 3 months due to technical problems that had to be fixed by TD Bank 's IT department. This was resolved in a phone call. This is fine because I had automatic payments set up to always pay $ XXXX/month. But as you can see, the payments were not being applied to statements and late fees were assessed before 30 days after the last payment. This issue was fixed later. I spoke to customer support multiple times about this and they refused to provide any assistance despite this being their fault completely.

TD BANK US HOLDING COMPANY

PA

190XX

Consent provided

Web

2019-11-26

Closed with monetary relief

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

Date opened XX/XX/XXXX Details XXXX XXXX Additional information Account is in violation 15 usc 1681a Account collections XXXX written off. XXXX past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 XXXX shows payment history from XX/XX/XXXX delinquent and a past due balance and collection status with one month term XXXX collection past due no term unpaid status TransUnion show no payment history opened account no term no status All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70122

Consent provided

Web

2023-05-04

Closed with explanation

Yes

2023-07-21

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33040

Consent provided

Web

2023-07-21

Closed with non-monetary relief

Yes

2023-05-05

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's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

EQUIFAX, INC.

IL

60419

Consent provided

Web

2023-05-05

Closed with explanation

Yes

2021-06-09

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

Credit reporting

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

Was not notified of investigation status or results

Dear Credit Bureaus, Attention : Compliance Department- CEO only According to my research, your company may not include in a consumer credit report any adverse, inaccurate, or unverified information without physically verification and valid to be 100 % truthful accurate, timely, complete, current, and compliant to prove now or delete this unverified information immediately. XXXX XXXX XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. XXXX XXXX If inaccurate, incomplete, or unverified, I demand deletion. These inaccurate accounts are unjustified. I need immediate deletion of these unverified allegations to meet standards of the FCRA. Any and all of the aspects of alleged account information must be documented to be proven of my responsibility to be adequate and within compliance to properly and fair reporting according to the FCRA. If you are unable to provide me with any copies of verifiable proof justifying the reportability of any derogatory account reporting within 15 days by challenging compliance of the FCRA reporting procedures to be 100 % accurate and complete, then you must delete all accounts of illegal and dishonest procedures bases on the assumption of this misleading information reporting on my credit file. Provide physical proof of verification or delete each account permanently. Respectfully, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Texas XXXX

EQUIFAX, INC.

TX

770XX

Consent provided

Web

2021-06-09

Closed with explanation

Yes

2022-06-15

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 Acct # XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX Acct # XXXX has violated my rights. 1 5 U.S.C 1681 SECTOPM 602 A. States I have the right to privacy. 15 U.S.C 1681 Sectopm 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

EQUIFAX, INC.

MI

48111

Consent provided

Web

2022-06-15

Closed with explanation

Yes

2021-07-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I just got a alert that I have a collection on my credit report. I dont owe anyone for the account that I noted, I have asked to remove but the company think I am playing. The company is XXXX in the amount of XXXX XXXX I dont owe any balances to this company. it must be someone else. Please remove.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

296XX

Consent provided

Web

2021-07-01

Closed with explanation

Yes

2023-06-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I did not give HARVEST ASSOCIATES INC the permission to furnish information on my consumer report non consent is identity theft. 15 USC 6802 prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. As a financial institution they are not to disclose non public personal information to a third party unless such financial institution clearly & conspicuously discloses to the consumer in writing or electronic form or other form permitted by the regulation prescribed under section 6804 of this title that such information may be disclosed. I did not receive any of the 3 disclosures I just mentioned, which Ive discovered is against consumer law and a direct violation. HARVEST ASSOCIATES INC and XXXX denied any inaccuracies but after further investigation I can confirm they are reporting inaccurate information on my consumer report which is a another violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give HARVEST ASSOCIATES INC permission which is another violation. TILA 15 USC 1601 protects me as a consumer against inaccurate & unfair credit billing. As a consumer, I never signed an agreement to enter into a credit transaction with HARVEST ASSOCIATES INC yet they have reported that I opened an account on two different dates because my consumer report is incorrectly showing XXXX different dates violating me even further. My complaint is also with XXXX who is allowing HARVEST ASSOCIATES INC to report inaccurate information on my consumer report which is a violation under the FCRA 15 USC 1681. USC 1681b states that consumer agencies can only furnish something in accordance with the written instruction of the consumer to whom it relates. I did not give XXXX permission which is another violation on their behalf. Not only did I not give permission to furnish this information on my consumer report, the information is also incorrect which is a violation under 15 USC 1681b for those two violations under FCRA I am seeking {$2000.00} from XXXX.

Company believes it acted appropriately as authorized by contract or law

S&S Physician Services, Inc.

TX

770XX

Consent provided

Web

2023-06-06

Closed with explanation

Yes

2017-08-28

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

XX/XX/XXXX I submitted a complaint with you in XXXX ; complaint # XXXX,. I received detailed information from you closing the complaint and stating that the item was removed by the collection company, XXXX XXXX. The item is still showing on my Transunion credit report. I spoke to XXXX with XXXX XXXX who stated that they sent information to be removed to all 3 credit reporting services to have the item removed. She said to call Transunion, which I did call today ; they told me they did not receive anything from XXXX. I called XXXX back, they said they sent it electronically by email to XXXX on theXX/XX/XXXX. I need this item removed as soon as possible ; I just keep on talking to Transunion and XXXX with no positive results to have the item removed. XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

XXXXX

Consent provided

Web

2017-08-28

Closed with explanation

Yes

2023-07-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan According to multiple Government reporting agencies, XXXX XXXX XXXX XXXX is NOT licensed to do business in my state of Michigan. Therefore they are doing business ILLEGALLY and therefore are not allowed to pursue me or any accounts in my name in my state. XXXX XXXX needs to PROVE they are NOT violating Michigan law by NOT having a license to do business in Michigan

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

Experian Information Solutions Inc.

MI

494XX

Servicemember

Consent provided

Web

2023-07-12

Closed with explanation

Yes

2021-01-04

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

Credit reporting

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

Investigation took more than 30 days

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

02127

Consent provided

Web

2021-01-04

Closed with explanation

Yes

2022-01-14

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I XXXX XXXX a consumer in fact a natural person on XX/XX/2021 noticed on my consumer report from Experian several inaccurate and unfair practices. Experian breached my right to privacy by furnishing a consumer report that I never gave them written permission to furnish pursuant to 15usc1681 ( 2 ). It has been damaging my reputation badly and my public confidence. This false report has not been equitable to me at all. Experian is in violation of 15 usc 1681n and 15 usc 1681o for willful noncompliance and negligent noncompliance for failing to comply with federal law. I authorize the federal trade commission to enforce compliance with the requirements of the subchapter under the federal trade commission act. Pursuant to 15usc1681s ( 2 ) I demand compensation for the harm and injury that Experian has brought upon me the consumer for knowingly violating and practicing the behavior.

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

Experian Information Solutions Inc.

MI

48601

Consent provided

Web

2022-01-14

Closed with explanation

Yes

2023-04-07

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

Credit reporting

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

Investigation took more than 30 days

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30265

Consent provided

Web

2023-04-07

Closed with non-monetary relief

Yes

2020-06-06

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Sued you without properly notifying you of lawsuit

A judgment was levied against me after credit card debt was sold from MBNA to Bank of America, and I was XXXX XXXX and on XXXX XXXX XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX XXXX, this judgment should not have been rendered in the first place. This judgment occurred sometime in late XXXX. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against MBNA and Bank of America. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

WI

53214

Servicemember

Consent provided

Web

2020-06-11

Closed with explanation

Yes

2022-03-30

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 has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 602A 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.

CA

91387

Servicemember

Consent provided

Web

2022-03-30

Closed with explanation

Yes

2021-09-20

Student loan

Private student loan

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXXXXXX XXXX intuition in XXXX XXXX flordia approved a loan application with me as a primary student. I have not attend this school. I have contacted the school along with navient. I have produced documentary to show this error however I cant get this resolved. I need to be removed from the student loan obligation.

Navient Solutions, LLC.

AL

357XX

Servicemember

Consent provided

Web

2021-09-20

Closed with explanation

Yes

2021-08-03

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XXXX I sent out letters, certified mail, to XXXX, TransUnion, and XXXX stating that they are all in violation of the FCRA [ Fair Credit Reporting Act ] and are furnishing information without my consent and selling said information for profit, this is identity theft. I have also included an Affidavit of Facts with my letters that states who I am [ consumer, natural person, creditor ), the laws, the violations of the laws, and my demands for remedy. I am also sending this complaint via CFPB to ensure that it is documented that I am being taken advantage of and trying to fix these issues. This is my second attempt at resolving this issue with these bureaus, they have not complied and continued to violate my rights as well as the federal laws of the Fair Credit Reporting Act. This is my final attempt to resolve said issue, otherwise I will be seeking litigation due to the willful noncompliance as well as all the damages that their deceitful means of business have caused me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93063

Consent provided

Web

2021-08-03

Closed with explanation

Yes

2020-04-09

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

Had identity theft in XX/XX/2017. Reported to police. Thief caught and charged. Now, 3 years later, I'm getting debt collection on one of the illegally opened fraudulent accounts. The amount is {$590.00}. The original company was XXXX XXXX XXXX XXXX, the debt collector is 'Jefferson Capital Systems ' . I recall speaking to XXXX, asked them to send me evidence and i.d . of credit applicant and to cease and desist. I did not receive any legal identity documents/furnishings, but it was taken off my credit report. Now, years later they are sending me collection notices, without any proof of my i.d . I had and still have a fraud alert active, and one caveat is that they need to call my personal phone for any credit applications. Which, clearly, they did not, but still approval the fraudulent application. Between myself and the authorities, we quelled 38 such credit applications. Now this one has appeared.

CL Holdings LLC

MN

55408

Consent provided

Web

2020-04-09

Closed with explanation

Yes

2022-11-12

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I have a credit card with XXXX XXXX XXXX through XXXX. The card account was transferred to Comenity Bank without my knowledge or permission. They said they sent a letter to my address but I did not receive it. They sent an email today saying I needed to activate a credit card - which I did not request - and that was the first I knew that this happened. I can no longer access the account through XXXX XXXX XXXX the online access says they do not recognize the account. The card issued by Comenity is being used but not by me as there was a transaction on the card in XX/XX/2022. When I requested a physical address from Comenity to send a certified, return receipt requested letter, they refused to give me a physical address. They said they only have a XXXX XXXX XXXX

Bread Financial Holdings, Inc.

CO

811XX

Consent provided

Web

2022-11-12

Closed with explanation

Yes

2021-04-03

Credit card or prepaid card

General-purpose credit card or charge card

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

Their investigation did not fix an error on your report

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

CAPITAL ONE FINANCIAL CORPORATION

MA

02301

Consent provided

Web

2021-04-03

Closed with explanation

Yes

2023-09-21

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30309

Consent provided

Web

2023-09-21

Closed with non-monetary relief

Yes

2018-03-03

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

I have called XXXX XXXX to please take this paid in full account off my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30083

Consent provided

Web

2018-03-03

Closed with explanation

Yes

2022-05-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33702

Consent provided

Web

2022-05-28

Closed with non-monetary relief

Yes

2022-05-28

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX Re : XXXX To Whom This May Concern, While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Financing Companies XX/XX/XXXX XXXX Companies - non specific XX/XX/XXXX XXXXXXXX XXXX ( Reseller ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make inquiry and view my credit report. This is a violation of XXXX XXXX XXXX Acts XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from my credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Re : Unauthorized Crdit Inquiry To Whom This May Concern, I recently recieved a copy of my credit report. The Credit report showed a inquiry by your company that i do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my credit files unless i have authorized it. Please have this iquiry removed from my credit file immediately because it is making it very difficult for me to aquire credit. I have sent this letter certified mail because I need your prompt response to this issue within 30 days. Please be so kind to foward me documentation that you've had the unauthorized inquiry removed. If you find that i am remiss, and you do have my authorization to inquire into my credit report, then please sed me proof of my signed signature of this, otherwise, please note that I am reserving the right to take civil action if neccessary. Thank You XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

631XX

Consent provided

Web

2022-06-10

Closed with non-monetary relief

Yes

2016-07-08

Debt collection

Other (i.e. phone, health club, etc.)

Cont'd attempts collect debt not owed

Debt is not mine

XXXX is saying I owe money. I have not used XXXX in over 10 years. Yet debt collectors keep reselling an old account. Copied from my credit report : Account Details Last Reported XXXX XXXX, XXXX Collection Agency CONVERGENT Original Creditor XXXX XXXX USA Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$970.00} High Balance {$970.00} Remarks Placed for collection Creditor Contact Details CONVERGENT OUTSOURCING XXXX, WA XXXX ( XXXX ) XXXX

Convergent Resources, Inc.

DC

200XX

Consent provided

Web

2016-07-08

Closed with explanation

Yes

No

2020-08-23

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

Credit reporting

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

Their investigation did not fix an error on your report

I'VE TOLD THE COMPANY I DON'T OWE THE MONEY. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I DON'T OWE XXXX XXXX. ITS BEEN PAID. I DONT OWE XXXX. I RETURNED THEIR BOX. I DON'T OWE XXXX, I PAID THEM ALMOST XXXX DOLLARS. STOP HELPING THEM RUIN MY CREDIT. XXXX XXXX HAS A LAWYER. I DO TOO. WE ARE GOING TO COURT. THIS DEBT IS THE RESULT OF SHADY BUSINESS AND XXXX IDALS. IF THIS IS MY DEBT, ITS IDENTITY FRAUD. UNDER THE FCRA YOU ARE REQUIRED BY LAW TO REPORT CORRECTLY. I HAVE NO BEEN ABLE TO GET THEM, OR YOU, TO PROVEI OWE ANY OF THIS MONEY. STOP IT. MY NEXT STEP IS A LAWSUIT IN STATE, LOCAL, AND NATIONAL COURTS. I REFUSE TO PAY FOR WHAT I HAVEN'T DONE. FIX THIS. NOW. XXXX

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

Experian Information Solutions Inc.

TX

75227

Consent provided

Web

2020-08-23

Closed with explanation

Yes

2020-07-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

721XX

Consent provided

Web

2020-07-06

Closed with explanation

Yes

2023-02-28

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38305

Consent provided

Web

2023-02-28

Closed with non-monetary relief

Yes

2023-04-21

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

I have had my Citibank card since 2010- over 13 years Ive had a balance and this company has made money off me. Ive been a good customer and Ive only been late a few times. Recently I had issues with my bank account and some payments were returned in the last few weeks. I wasnt late. I also rectified my bank account problem. Without notice or anyone talking with me my Citibank account was closed due to late payments or returned checks. This is ridiculous and a poor way to treat your customers and run your business. I would like my account reopened and my APR put back to what it was. Also Im flabergasted that this company would charge me over {$200.00} in fees! They choose to put through a payment 3X before it comes back and gets officially returned. besides being charged by my bank for the returned payment Citibank also charged me {$30.00} every time they put the payment through! I also got charged {$41.00} waiver fees for each payment. This is ridiculous and Citibank shouldnt be allowed to charge customers these exorbitant amount of fees. I would like all the fees waived that amount to over {$200.00}. This will put my balance under my limit. That is the only reason Im over limit is your fees!!!

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

CITIBANK, N.A.

CA

94550

Consent provided

Web

2023-04-21

Closed with monetary relief

Yes

2017-02-18

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Right to dispute notice not received

I signed up for a membership of XXXX/month at crunch fitness gym. They stated it was a month-to-month basis. It is also advertised as month-to-month. I stopped going to the gym. I called to cancel my membership. They told me I had to go in person, so I went in person to cancel my membership in XXXX 2015. A year has passed and I never received any notice, notifiying me that I have any further financial obligations with their company. Since then they have hired the services of a debt collector to collect on my account. That firm known as Aldous & Associate 's levied my account. They took money without my consent. First of all I never owed them any money. Second of all, if I had, why was n't I notified? I was never contacted by phone nor email. They are claiming that I owe {$110.00}. I would like to know why if they stated their membership is XXXX/month. No contracts.

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

Aldous & Associates, PLLC

CA

91786

Consent provided

Web

2017-02-18

Closed with explanation

No

No

2023-05-23

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

EQUIFAX, INC.

IL

60644

Consent provided

Web

2023-05-23

Closed with non-monetary relief

Yes

2022-02-16

Checking or savings account

Savings account

Managing an account

Problem using a debit or ATM card

XX/XX/2021. I checked my account and noticed XXXX was in my XXXX XXXX account that was joined I immediately transferred XXXX to my checking and locked my card because that's all I was able to savage at that moment. I checked my savings account and it was depleted to XXXX cents.I called the bank in a XXXX. Me and my XXXX rushed to the bank and found out that all of my savings was withdrawn XX/XX/XXXX, XXXXunathorized and XXXX was XXXX to a unknown person account at XXXX XXXX XXXX XXXX also unauthorized. We made the report at the bank that day and I we was very confused to find out fraud was still going on because the bank never closed the account XX/XX/XXXX. When we reported the fraudulent activity so the perpetrator was still committing fraud with XXXX and XXXX XXXX I went back to the back to the bank finally close our accounts XX/XX/2021. I made several reports to get my money back but was not successful. My claims was denied four times for the XXXX dollars that was XXXX. The bank stated after reviewing all relevant internal records and information that I provided, they have concluded that there are elements of my claim that lack credibility and they believe that the transactions that compromised my claim must be considered authorized and they are unable to honor it. I made another report and another report proclaiming that all transactions that I reported was unauthorized and fraudulent but the bank continues to deny my claims. Please help me this was my money that I took out of my XXXX to buy a house so I would like all my money back thank you.

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

CITIBANK, N.A.

FL

33033

Consent provided

Web

2022-02-16

Closed with monetary relief

Yes

2017-11-02

Mortgage

Conventional home mortgage

Incorrect information on your report

Account status incorrect

I am writing this letter today, to inform you of an egregious error that appears on my credit report. Seterus INC is reporting that I have an active mortgage account with their company that is actively past due. The account number this account is listed under is XXXX. The Seterus INC ( XXXX ) account was included in a Chapter XXXX bankruptcy that was discharged on XXXX XXXX, XXXX. I am attaching a copy of my bankruptcy discharge letter, as well as section D of the filing documents, which lists the original name this account was under. The bankruptcy that resolved Seterus INC XXXX XXXX XXXX has already fallen off of my credit report due to time. This begs me to ask : If the bankruptcy that resolved the account has already been deleted, why is this account still reporting? The discharge of this bankruptcy would make the date of last activity in XXXX, which was eleven years ago ; so I am demanding that Seterus INC ( XXXX ) be removed from my credit file immediately. Worst case scenario, if the Seterus INC ( XXXX ) account does remain on my credit report, I would at least ask that accurate information be reported about this account. It should report at resolved through bankruptcy in XXXX, and should report absolutely no delinquent pay history after XXXX of XXXX.

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

Seterus, Inc.

PA

173XX

Consent provided

Web

2017-11-02

Closed with explanation

Yes

2020-12-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.

EQUIFAX, INC.

MD

21215

Consent provided

Web

2020-12-14

Closed with explanation

Yes

2020-07-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

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

Experian Information Solutions Inc.

AR

72209

Consent provided

Web

2020-07-15

Closed with explanation

Yes

2023-09-25

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act these creditors have violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) a creditor may not treat a payment on credit account under an open end consumer credit plan as late for any purpose Creditor : XXXX XXXX : Late Payments XXXX, XXXX, XXXX year XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Late Payment XXXX, XXXX, and XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX Late payment XXXX XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

43223

Consent provided

Web

2023-09-25

Closed with non-monetary relief

Yes

2023-04-08

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX

EQUIFAX, INC.

CA

91977

Consent provided

Web

2023-04-08

Closed with explanation

Yes

2021-06-30

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

Credit reporting

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

Was not notified of investigation status or results

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

EQUIFAX, INC.

GA

30078

Consent provided

Web

2021-06-30

Closed with explanation

Yes

2023-01-18

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

I've had a problem with Equifax there's no credit score or credit file for my Equifax account. Since XX/XX/XXXX I've had an unavailable score credit score. I'll let you know when this will get resolved.? According to the Fair credit reporting act I should have a credit score it's been like this since XX/XX/XXXX right now it is XX/XX/XXXX it's been going on for about almost 4 months.

EQUIFAX, INC.

CA

92105

Consent provided

Web

2023-01-18

Closed with explanation

Yes

2023-05-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXXXXXX XXXX, DEPT OF EDXXXX XXXX, and DEPT OF ED/XXXX XXXXXXXX. Please delete ASAP.

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

Experian Information Solutions Inc.

CA

902XX

Consent provided

Web

2023-05-08

Closed with explanation

Yes

2023-02-07

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

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$21000.00} ; XXXX XXXX XXXX Balance : {$0.00}.

EQUIFAX, INC.

TX

752XX

Consent provided

Web

2023-02-07

Closed with explanation

Yes

2022-08-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this item numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33130

Consent provided

Web

2022-08-08

Closed with non-monetary relief

Yes

2020-03-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

There is a 30-day late payment reporting on my credit card for the month of XXXX. This information is not correct. I was a victim of identity theft on the account I had set to auto-pay and it was closed due to fraud. I have an FTC affidavit for identity theft related to this issue as well. The new account I used to pay was entered wrong by somebody at Penfed and as a result, I now have a 30-day late payment on my credit report. I have never been late a day in my life with this company.

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

PENTAGON FEDERAL CREDIT UNION

CA

920XX

Consent provided

Web

2020-03-12

Closed with explanation

Yes

2023-08-08

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXXXXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed. XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. Sincerely, XXXX XXXX XXXX

EQUIFAX, INC.

CA

92868

Consent provided

Web

2023-08-08

Closed with non-monetary relief

Yes

2023-03-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

I changed bank accounts after experiencing a fraudulent charge that my bank wasn't willing to fix. Shortly after I opened and funded my new account, I contacted XXXX and asked them to please send me a way to pay my account. They sent me a link that wasn't working to make a one-time payment. I then tried to log in today and update my bank account ( this is the 4th time since XX/XX/2022 ) and again it does not allow this. I then emailed yet again to ask for a way to fix my account. I was able to click the link and make a payment today, but the company has added late fees to my account and reported my account as 90+ days past due. My account is past due and over the limit only because they will not allow me to make a payment or update my information. Included is proof of my initial email and my payment confirmation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OR

973XX

Consent provided

Web

2023-03-07

Closed with non-monetary relief

Yes

2022-02-17

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I purchased it on XXXX using my XXXX card. Within minutes I canceled that purchase meaning no item would be delivered or charged on my account. Unfortunately, a charge was placed on my XXXX card. That card is linked to my debit account. As stated on the XXXX site under the refund it shows that the refund went to my XXXX card and shows the last 4 numbers. The company, XXXX is stating I owe them {$67.00} for purchase but I already showed them transactions of the refund being sent to them and the purchase is canceled. I have no connection and am locked from all services and functions from my XXXX account but continue to be charged a monthly membership when I can use any services. They made a report on my credit for money owed. Ive spoken to 3 separate reps they all keep telling me I owe without any phone conversation and explaining how. I used their credit card and XXXX shows the refund went to their credit card but theyre insisting I pay them from my bank account linked. They are a finance app in the apple app store.

The Aligned Company DBA Extra

CA

90043

Consent provided

Web

2022-02-17

Closed with explanation

Yes

2022-03-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

1.In accordance with Faircredit Reporting Act, XXXX XXXXaccount # XXXX. XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX, XXXX XXXXXXXX ACCT # XXXX HAS VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A. SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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

Experian Information Solutions Inc.

NY

106XX

Consent provided

Web

2022-03-10

Closed with explanation

Yes

2019-11-15

Debt collection

Other debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

The collection agency is attempting to collect a utility bill that was discharged in bankruptcy ( District of Nevada # XXXX ). I have disputed this numerous times on credit report & the company still reports it as a collection.

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

Business & Professional Collection Service Inc

AZ

85138

Consent provided

Web

2019-11-15

Closed with explanation

Yes

2021-03-08

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I am writing to Capital One. I have two accounts Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ) and Date opened XX/XX/XXXX with missed payment ( XX/XX/XXXX ). Payment problems appeared due to the pandemic. I am kindly requesting Capital One agency to remove this missed payments from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

CAPITAL ONE FINANCIAL CORPORATION

IL

60193

Consent provided

Web

2021-03-08

Closed with non-monetary relief

Yes

2023-06-13

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

Credit reporting

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

Their investigation did not fix an error on your report

I have patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32208

Consent provided

Web

2023-06-13

Closed with non-monetary relief

Yes

2022-12-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hello, Good Afternoon, When reviewing my credit report, I saw that an installment loan was Opened up in my name XXXX XXXX. I then decided to call the company XXXX XXXX XXXX To get this taken care of because I have been a victim of identity theft. Before I could state the case, the guy on the phone accused me of opening the account because payments were made to the account. I was explaining to the guy that wasn't by me, and I didn't authorize anything. I then provided him with a police report by the XXXX Police, an ID theft Affidavit, proof of identity, an FTC report, and a dispute letter to the company. I sent all the documents to XXXX. He then proceeded to send me an agreement that I didn't authorize, then after all the documents I provided, he said that the account belonged to me.

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

Experian Information Solutions Inc.

NY

10701

Consent provided

Web

2022-12-18

Closed with explanation

Yes

2022-07-26

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I only have one address that's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I gaining to give an id and bank account letter head for accuracies. I m not connected to any other address. This will be my proof that this is me also

EQUIFAX, INC.

CA

902XX

Consent provided

Web

2022-07-26

Closed with explanation

Yes

2018-11-11

Debt collection

Credit card debt

Communication tactics

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

After going through my credit reports and seeing multiple accounts from XXXX XXXX now owned by Portfolio Recovery, I requested validation on XX/XX/XXXX which was replied to in a letter dated XX/XX/XXXX. During this time Portfolio Recovery was still aggressively trying to collect on these accounts which contradicts FDCPA 1692g. From that time Portfolio Recovery calls multiple times a day from multiple numbers with no regard to my request that all communication be done through mail. When I did call back the person I spoke to was not interested in anything I had to say but just kept repeating the same line.

PORTFOLIO RECOVERY ASSOCIATES INC

AR

727XX

Consent provided

Web

2018-11-11

Closed with non-monetary relief

Yes

2019-12-29

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

Other personal consumer report

Incorrect information on your report

Information belongs to someone else

Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..

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

2019-12-29

Closed with explanation

Yes

2019-05-21

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

Hello, Few weeks ago, I received a message from XXXX XXXX that I am eligible to apply for a personal loan at a very low rate. XXXX XXXX sent me a list of companies I can deal with and also stated, if I deal with these companies and my credit is pulled, " It will be a " SOFT '' pull and will not affect my credit ''. I called few companies to check on the offer and afterward to my surprise I have 13 inquiries on my credit report in which lowered my scores by almost 80 points. I never consented to anyone to use my account for a hard pull. I trusted these companies that they are legit and they are telling the truth. Unfortunately, this situation is preventing me from acquiring the needed loan. I do appreciate your involvement, your help and influence in correcting this issue with the credit reporting agencies. I thank you in advance for your help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

XXXXX

Consent provided

Web

2019-05-21

Closed with explanation

Yes

2016-09-07

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Right to dispute notice not received

I have disputed the debt with Procollection over 6 times. I have not received a response from them. I have provided the necessary fraud forms but I have not received any reply

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

ProCollect, Inc.

TX

79424

Consent provided

Web

2016-09-07

Closed with explanation

Yes

No

2018-12-19

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with additional products or services purchased with the loan

On XX/XX/XXXX two month ago i bought a car XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX phone # XXXX XXXX XXXX the car was advertise for XXXX i confirm the price over the phone before i go there. when i went the price was XXXX i deal with it because i need a car right away. That is false advertisement Then they say the car come with more service but they never discuss any price with me. they give me so much papers to sign very quick it was already XXXX XXXX because XXXX make me wait a very long time before they rush me to sign a bunch of papers. when i check the paper contract 2 days later i notice extras charges for key replacement XXXX maintenance just oil change only up to XXXX XXXX miles XXXX gap insurance security XXXX plus tax on all services XXXX plus the interest rate in the total amount i ask to cancel all those Services. This is the message Cancellation Confirmation from my Email that XXXX agree to refund me Your refund will total as follows : Maintenance {$1100.00} Gap {$1400.00} Key {$400.00} -- -- -- -- -- - {$2900.00} + {$95.00} ( tax ) -- -- -- -- -- - < $ XXXX ( total ) Your total interest over the loan was : {$5300.00} once the refund amount posts : {$4200.00} -- -- -- -- -- - < $ XXXX ( Obviously will vary if you pay off faster ) XXXX say the XXXX plus interest will be refund between 6 to 8 weeks .During the two month i receive many email advertisement to buy a new car I contact the loan financial two month later i was told they never receive my cancellation paper that i signed in the dealer 2 days ago on the XX/XX/XXXX i call all day everytime the assistant transfer the call to financial department no one pick up the phone or call back. I call XXXX main line many time He never pick up and he never call back. I left many message for general manager sale manager finance manger XXXX XXXX different manager none of them pick up the phone none of them returned the call. The assistant that pick up the phone told me many time they are too busy to talk to me. I don't go there because the last time I went to sign the paper they make me wait a long time and when XXXX finally come he was Rude and unprofessional They even charge me pre delivery charge XXXX i pick the car in the dealer and it's a used car that is my first time buying a car by myself as I told them. i research about that charge it s for new car from manufacture the dealer need to refund the total amount for the extra service XXXX plus the interest they add in my loan without discussing any price with me. Just has the agree to cancel the service and refund the price And for wasting so, much time they need to refund another {$300.00} Also refund the XXXX delivery charge And Stop doing false advertisement For their cars

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

ALLY FINANCIAL INC.

FL

34982

Consent provided

Web

2018-12-20

Closed with explanation

Yes

2023-01-07

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

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

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

Experian Information Solutions Inc.

FL

33314

Consent provided

Web

2023-01-07

Closed with explanation

Yes

2021-03-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

CFPB COMPLAINT Recently I was checking my credit and I found these accounts that don't belong to me. My personal information was a part of the XXXX XXXX XXXXXXXX in XXXX and I assume that is when my identity was stolen. These accounts are the result of identity theft. None of these fraudulent accounts are related to any of my legit transactions. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. These are the fraudulent accounts : XXXX that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX OF XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, DXXXX XXXX XXXX opened last XX/XX/XXXX, XXXX XXXX XXXX opened last XX/XX/XXXX, and XXXX XXXX XXXX opened last XX/XX/XXXX.

Bread Financial Holdings, Inc.

FL

XXXXX

Consent provided

Web

2021-03-24

Closed with explanation

Yes

2021-09-11

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have been receiving calls from XXXX XXXX XXXX XXXX XXXX stating that if I did not return a call that I would be served with a complaint and sued. I called the number a guy said that he was collecting a debt from Bank XXXX from XXXX and that the last payment activity was XXXX. I said no that is was incorrect. Please to stop calling me and they have continued to call and now a new collection account has been placed on my Transunion credit report in the amount of {$570.00}. I disputed it with Transunion. No other credit bureau is reporting this. I have heard from other victims all over the country who are dealing with the same issue.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19145

Consent provided

Web

2021-09-11

Closed with explanation

Yes

2017-08-29

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

XX/XX/XXXX - approved for Income based repayment -- payment is much lower than I 've ever paid, but my family size and income have remained the same XX/XX/XXXX - called to make sure IBR payment amount is correct ; account rep said my family size was incorrectly input as 6. Account rep says I need to resubmit my IBR application with correct family size.

AES/PHEAA

DC

200XX

Consent provided

Web

2017-08-29

Closed with non-monetary relief

Yes

2019-10-10

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I XXXX XXXX have tried to bring to the attention with each credit bureau that there has been a fraudulent claim to an old Capital One account by a fourth party that clearly has committed identity theft from a third-party debt buyer. This agency has also claimed that they represent a debt buyer known as XXXX XXXX XXXX XXXX. XXXX. I claimed that not only did this debt get purchased by this company, but they in turn took my debt information and processed a debt collection application to another debt collection agency known as The Bureaus. I hereby post all XXXX XXXX accounts from a XXXX XXXX credit bureau posted XX/XX/2017. My accounts show as follows : Account ending in XXXX shows settled less than full balance, balance zero, account ending in XXXX, balance {$460.00} ( This is the account stated sold to both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ), account ending in XXXX paid in full, zero balance closed by consumer, account ending in XXXX, paid in full, zero balance. This accounting proves that I only had one unpaid account with Capital One. Yet I believe that The Bureaus obtained my information by identity theft, either through XXXX XXXX XXXX database, or directly from Capital One. It is difficult to believe that a publicly traded company such as Capital One would be dumb enough to sell the same debt twice. Accordingly, I claim identity theft by The Bureaus from either XXXX XXXX XXXX or from Capital One directly. I paid my Capital One account directly with XXXX XXXX XXXX. My disputes with The Bureaus went nowhere, where this fraudulent company stated to the bureaus that the Capital One debt purchase/collection was valid. This is an insult to the prestige on the national credit reporting system, XXXX, XXXX and XXXX XXXX collectively. Each bureau must see through this scam and delete this erroneous collection information permanently and take away all reporting rights from The Bureaus, with principal offices located at XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX. This is a shameful act against an American consumer. Each credit bureau must see through this scam and delete this negative information permanently. XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

NY

121XX

Consent provided

Web

2019-10-10

Closed with explanation

Yes

2021-10-20

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

On XX/XX/XXXX my Barclays XXXX card was stolen from my wallet. I discovered my card was stolen when I received a fraud alert via text from Barclay 's concerning a purchase from XXXX XXXX. I interacted with your auto fraud line immediately to report theft. I called and reported the card stolen. When I received my statement I discovered an additional charge for XXXX on XX/XX/XXXX was made at XXXX XXXX shop. I filed a dispute via the Barclay website. The charge was not removed. I called and they said there was no record of a dispute. I called many more times to get the dispute filed and resolved. Each time they said there was no dispute, last time they asked for me to fax in a sworn statement. I faxed one in on XX/XX/XXXX. When I called 5 days later and asked for the status they said they received it but a dispute was not opened someone would call me back when it was opened. No one has called me back. The call center is obviously trying to circumvent the filing and resolution of a dispute. There is no avenue to speak to anyone who can resolve the issue. Barclay 's is intentionally subverting the investigation of fraud charges and abusing consumers. I have asked numerous times to speak directly to someone in their Fraud investigation department, they say I can't be transferred. They say they will request someone from Fraud investigations to call me back. No one has ever called me back. I do not have the funds to pay this fraudulent charge so they are assessing late fees and interest payments. Barclay has also reported me as being late on my credit report. I am now being charged late fees and interest for this card. I want the fraudulent charge, interest and late fees removed and my credit report corrected.

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

BARCLAYS BANK DELAWARE

NC

27513

Servicemember

Consent provided

Web

2021-10-20

Closed with monetary relief

Yes

2018-11-02

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

Credit reporting

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

Difficulty submitting a dispute or getting information about a dispute over the phone

My compliant is about Experian. I have tried many times to contact them by phone to remove an existing dispute from my credit. I have called at least 6 different phone numbers and none give the option to reach a person. I believe this company is actively trying to avoid speaking with consumers. I was able to reach XXXX and XXXX within 20 minutes and resolved my issue but Experian seems to want to avoid speaking with consumers and I believe this is abuse and neglect. My issue CAN NOT be resolved with an automated system, but I believe they are not interested in allowing someone to speak with me unless I sign up for the credit services.

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

Experian Information Solutions Inc.

TX

75211

Consent provided

Web

2018-11-02

Closed with explanation

Yes

2022-10-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Experian Information Solutions Inc.

FL

33068

Consent provided

Web

2022-10-13

Closed with non-monetary relief

Yes

2022-12-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXXXXXX XXXX Account # XXXX, illegally reported a " charge-off '' to my consumer report. Charge-offs pursuant to the Internal Revenue Service , are " cancelled debt income '' which are typically reported on a 1099a or 1099c cancellation of debt. Those instruments constitutes certificates of indebtedness which is income and income CAN'T be reported on a consumer 's report. Additionally, I exercise my right to opt out of any and all authorization I the federally PROTECTED consumer may have given XXXX XXXX XXXX whether it be written, unwritten, verbal and nonverbal pursuant to 15 U.S.C. 6802-6805 and 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. Pursuant to : 15 U.S.C. 1681a : States I have the right to privacy 15 U.S.C. 1681b : It also states a consumer reporting agency can not furnish an account without my written instructions.

EQUIFAX, INC.

OK

74012

Consent provided

Web

2022-12-13

Closed with explanation

Yes

2019-03-07

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.

HSBC NORTH AMERICA HOLDINGS INC.

IN

460XX

Consent provided

Web

2019-03-08

Closed with explanation

Yes

2023-03-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, no later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07083

Consent provided

Web

2023-03-13

Closed with non-monetary relief

Yes

2018-07-06

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

Credit reporting

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

Their investigation did not fix an error on your report

I have two separate complaints, one from XXXX XXXX XXXX XXXX and XXXX for Capitol One. XXXX XXXX XXXX XXXX {$27000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX representative XXXX XXXX told me he would removed this account from my credit report due to my military background and secret clearance issues it would present. Account was paid in full and judgement was removed, however this is still on my credit report. I have filed a dispute with the company and then after with the three credit bureaus. XXXX has deleted the account, however the other two XXXX and XXXX have not. I am requesting that the two other bureaus remove it from my credit report as well, I am applying for my XXXX XXXX and need to have it removed before my investigation starts. My complaint is with the bank XXXX XXXX XXXX XXXX and the two bureaus XXXX and XXXX since they have not removed or deleted the error on my report as requested. Capitol One {$16000.00} Opened XX/XX/XXXX Closed XX/XX/XXXX I am XXXX XXXX military, when I opened this account it was a regular auto loan. I moved from South Carolina to California due to military orders, I requested a modification to my auto loan under the Service Member Civil Relief Act. Capitol One stated they would convert my loan to a military loan and that they would reduce my car payment. Instead they listed me as late multiple times, converted the loan to a charge off account with Capitol One and never told me. I paid my account off in full in XX/XX/XXXX not knowing this error in my account. Once I applied for my secret clearance I was notified of the issue. I have repeatedly tried to work with Capitol One and they refuse to assist me, they cant provide any original documentation showing my change in my account. I have filed a dispute with all three credit bureaus to have this account removed. Instead they changed the wording to a " fix charge '' for my account. Again, due to my XXXX XXXX request and need to have it removed before my investigation starts. My complaint is with the bank Capitol One and the three bureaus XXXX, XXXX and XXXX since they have not removed or deleted the error on my report as requested.

CAPITAL ONE FINANCIAL CORPORATION

CA

92563

Servicemember

Consent provided

Web

2018-07-06

Closed with explanation

Yes

2020-10-20

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/2020 my chime account was hacked and all my money from savings and checking was sent to a stranger. I called them and pointed out XXXX dollars had gone missing. I filed a complaint, the man said they were hacked but I would prob not get my money back.

Chime Financial Inc

IA

510XX

Consent provided

Web

2020-10-20

Closed with explanation

Yes

2020-08-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XX/XX/2020 HARRIS & HARRIS, LTD Agency number XXXX has placed a debt on my credit file fraudulently and it is negatively affecting my credit. I have written this collection agency numerous times asking for VALIDATION of this debt with no proper response to my request under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. The amount that is said to be owed is {$150.00}. I have no knowledge of this debt or have never entered into any agreements with this company. I would like for this tradeline to be removed from my credit file as soon as possible. The original creditor number that is listed is XXXX. This erroneous and illegal tradeline is damaging my credit greatly! Please assist.

Harris & Harris, Ltd.

IL

XXXXX

Servicemember

Consent provided

Web

2020-08-17

Closed with explanation

Yes

2021-03-09

Checking or savings account

Savings account

Opening an account

Didn't receive terms that were advertised

I responded to an online offer from Citibank for a {$700.00} bonus for opening new checking/savings accounts. The offer required me to open a new Savings account and a new checking account, deposit {$50000.00} within 30 days and maintain said balance - over both accounts - for at least 60 days after that. I had to apply for the offer online only, and I did so from the correct page. I opened both accounts with an initial deposit ( each ) of {$25.00} on Saturday, XX/XX/XXXX, and these accounts appeared in my online profile on Monday, XX/XX/XXXX. On that day I transferred {$50000.00} into the XXXX account, and that money appeared in the account on XX/XX/XXXX. From XX/XX/XXXX onwards, I therefore had to maintain that balance for 60 days at least to qualify for the {$700.00} bonus. Around XX/XX/XXXX - well after the 60 days - I rang Citibank to see when the {$700.00} would be credited to my account, and I was specifically told that yes, I had satisfied all of the conditions for the offer, and that the {$700.00} would be credited by XX/XX/XXXX. On XX/XX/XXXX, the {$700.00} has still not appeared, so I called Citibank again, and was told by " XXXX '' - who confirmed this with a " personal banker '' that the {$700.00} would be added to my account " today ''. On XX/XX/XXXX the {$700.00} still had not appeared, so I rang Citibank again and spoke at great length with " XXXX '', who also then spoke with a " personal banker '' on my behalf. At first XXXX said that they couldn't find the " promotion code '' that should have applied to this offer, but when I asked why this had been confirmed as being satisfied by TWO previous Citibank representatives, he said he would " check again '' and - having done so - did indeed see that the promotion code was there. He then said he would file a " request '' for an investigation on why this offer had not been honored by Citibank. That request has the following ticket number : XXXX. He told me it would be another " 5 business days '' before that request would be addressed. I 100 % satisfied every single requirement of this offer, and Citibank has had my {$50000.00} for 155 days now. I have earned a total of {$19.00} interest on this money, and only did this to try to get the {$700.00} bonus. It seems Citibank is trying to cheat me out of this after I have diligently satisfied all conditions and trusted them with my money. They have made a great deal more than this {$700.00} on MY money during this time, and it is frankly criminal that they can get away with this flagrant abuse of a faithful customer. I have my internet browsing records from early XXXX, XXXX, and can prove that what I was is true ( see attached ). All of the above information can be easily verified - and has been - by Citibank, but still the offer has not been honored.

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

CITIBANK, N.A.

CO

811XX

Consent provided

Web

2021-03-09

Closed with explanation

Yes

2022-02-17

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

Credit reporting

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

Was not notified of investigation status or results

So my name is XXXX XXXX and my information was impacted by the Equifax Data Breach and may have gotten into the hands of the wrong person. This letter is a formal complaint that Equifax is reporting inaccurate and incomplete credit information. I am distressed that Equifax have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I am educated about FCRA Laws and that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. I am an educated woman and I know the laws and my rights.

EQUIFAX, INC.

AZ

85224

Consent provided

Web

2022-02-17

Closed with explanation

Yes

2022-05-21

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

My bank account had over {$1500.00} of unauthorized transactions placed on it..I had no clue what they were. I opened a claim stating fraudulent charges were made. After the investigation I was told my claim was denied! I was told the reason for denial was '' it appeared to the bank that I myself had placed the charges '' ... In the initial claim I had explained to the bank that my phone with all my information stored on it ..was stolen prior to the charges..that means all my accounts passwords etc were accessible! They didn't give me the opportunity to appeal their decision!! Nobody would listen! They were rude and ugly about it also! The people that can do these fraudulent activities..have the ability to make the charges appear to be YOU!! Isn't that what fraudulent means! so deny my claims of fraudulent transactions due to it appearing to be myself that had made them doesn't seem correct! I feel I wasn't being heard and the treatment that followed the claim was unjustified and uncalled for! I had been customer with Capital One for some time when this occurred. With no prior mishaps or claims! The first one I get and this is the treatment I was handed!

CAPITAL ONE FINANCIAL CORPORATION

LA

70769

Consent provided

Web

2022-05-21

Closed with explanation

Yes

2022-02-28

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

On XX/XX/XXXX, I submitted a request to XXXX XXXX to reinvestigate accounts on my consumer report. I received the results of that investigation on XX/XX/XXXX. The results of the investigation included a message that XXXX XXXX investigated the items from COMENITY BANK/VCTRSSEC, COMENITY BANK/XXXX , COMENITY BANK/WAYFAIR XXXX, COMENITYCAPITALBANK/THE and verified that they belonged to me. The items still included multiple inaccuracies and FCRA violations. I submitted another reinvestigation request on XX/XX/XXXX in hopes of correcting the errors from the XX/XX/XXXX results. My letter included a request for the description of the reinvestigation procedure pursuant to 15 USC 1681i. I specifically asked for XXXX XXXX to provide the names, phone numbers and business addresses of each individual with whom they verified the accounts at COMENITY BANK. XXXX XXXX violated this law by refusing to provide the information as requested : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Additionally, since XXXX XXXX verified that the items belonged to me, I requested a copy of the binding agreement containing my signature and account number from COMENITY BANK for each item. XXXX XXXX completed the investigation on XX/XX/XXXX and stated again that the items were verified as belonging to me without doing a proper investigation. XXXX XXXX and COMENITY BANK failed to provide a binding agreement for the items they verified as belonging to me. XXXX XXXX and COMENITY BANK violated 15 USC 1681s-2 by reporting information with knowledge of errors. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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 re lating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Furthermore, XXXX XXXX and COMENITY BANK did not clearly note that the items were disputed. They vi olated 15 USC 1681s-2. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement o f a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.

Bread Financial Holdings, Inc.

LA

70068

Consent provided

Web

2022-02-28

Closed with explanation

Yes