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2022-08-14 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Sent card you never applied for | On XX/XX/2022 we received an AMEX Credit card ending in XXXX to our address with a name of XXXX XXXX XXXX on the card, which was no one that we know.
Rather than call the service number ( XXXX ) listed on the possibly fraudulent card, I called American Express Customer Service ( XXXX ) and struggled with the IVR that kept requesting info regarding my wife 's card which is a valid AMEX Card registered under my wife 's name at our address and at the number from which I called.
But I was calling about a completely separate card that had been sent to my house in apparent error or fraud. Finally, I got through to XXXX ( ID # XXXX ) who transferred me to XXXX ( ID # XXXX ) with Account Security who said she couldn't help me and transferred me to XXXX ( ID # XXXX ) with the Identity Protection Team in the Fraud Department who said that AMEX is unable to tell me whether the reason I was sent the card was either an error by AMEX or a third-party fraud attempt, the latter case would require me to further investigate. She disconnected me insisting there was nothing further she could do.
I called back, same issues with the IVR, but this time I was connected with XXXX ( ID # XXXX ) with the Dispute and Fraud department. I got disconnected from her but she was kind enough to call me back ; however, after investigating further, she ultimately came back with the same response that AMEX would be unable to tell me whether it was an AMEX error or third-party fraud attempt.
Earlier, XXXX had suggested I call XXXX, XXXX or XXXX to check my credit. I am NOT the company with the $ XXXX Market Cap that sent XXXX 's card to the wrong address so I am not going to waste far more of my time investigating an issue with a third party when it was very possibly caused by AMEX errant processing! | null | AMERICAN EXPRESS COMPANY | PA | 190XX | Older American | Consent provided | Web | 2022-08-14 | Closed with explanation | Yes | null | 5,875,262 |
2020-02-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I AM VICITM OF AN IDENTITY THEFT, NUMEROUS TIMES I HAVE SENT MY IDENTITY THEFT REPORT TO EXPERIAN, BUT THEY KEEP IGNORING MY REQUESTS. WHAT IS THE POINT OF ASKING FOR THESE DOCUMENTS IF THEY ARE NOT GOING TO HONOR IT. I AM VICTIM I CAN ONLY PROVIDE THEM THEM POLICE REPORT AND IDENTITY THEFT REPORT, I HAVE EVEN SENT THEM MY NOTARIZED POLICE REPORT AND IDENTITY THEFT REPORT AND STILL NO RESPONSE FROM EXPERIAN. FRAUDULENT ACCOUNTS SHOULD NOT BE REPORTING ON MY CREDIT REPORT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91352 | null | Consent provided | Web | 2020-02-05 | Closed with explanation | Yes | null | 3,521,695 |
2023-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | After I decided to not purchase a vehicle and I left from the dealer, the sales representative proceeded to send out my credit application with out my consent still looking to get a sale on the vehicle | Company has responded to the consumer and the CFPB and chooses not to provide a public response | First Help Financial, LLC | NY | 10301 | null | Consent provided | Web | 2023-02-23 | Closed with explanation | Yes | null | 6,607,906 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have discovered inaccurate information on my credit report. I am informing your company the error in my credit report and request to delete the error immediately. The bankruptcy remarked hurt my credit report and might decease my credit score as well. Here are the details : XXXX XXXX Bankruptcy / XXXX / {$0.00} | null | EQUIFAX, INC. | FL | 33060 | null | Consent provided | Web | 2022-04-27 | Closed with explanation | Yes | null | 5,504,393 |
2020-05-09 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | XX/XX/XXXX I sent this company a certified letter requesting validation of debt paperwork. I received no paperwork validating the debt Allstate Credit Bureau , Inc. is reporting to all 3 major credit bureaus. On XX/XX/XXXX I sent a certified letter no response. On XX/XX/XXXX I sent a certified notarized letter with a signature recipient card attached. I received the card back from the post office showing Allstate Credit Bureau received the letter. However, I still didnt receive validation of debt documentation. I filed a complaint with CFPB on XX/XX/XXXX & XX/XX/XXXX however I still received no documentation. In addition, I filed a dispute with XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The Furnisher has an obligation to ensure accuracy of information and to correct all errors. However, The Furnisher for Allstate Credit Bureau is continuously breaking the laws of the FRCA and violating my rights. Lastly, I filed a complaint with the FTC on XX/XX/XXXX. | null | All State Credit Bureau, Inc. | MI | XXXXX | null | Consent provided | Web | 2020-05-09 | Closed with explanation | Yes | null | 3,644,766 |
2020-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | MISSING INFORMATION ON MY XXXX AND EXPERIAN MY MORTGAGE XXXX XXXX ACCOUNT # XXXX BALANCE XXXX HIGH CREDIT AMOUNT XXXX DATE OPEN XX/XX/2015 TERM 30 YEARS ACCOUNT STATUS PAID AS AGREED XXXX ATTACHMENTS | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33169 | null | Consent provided | Web | 2020-08-12 | Closed with explanation | Yes | null | 3,792,818 |
2017-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME. IT STATES I AM CO-SIGNER ON A VEHICLE AN THIS IS NT TRUE AND INNACURRATE I NEED THIS REMOVED FROM MY CREDT FILE IMMEDIATELY | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10801 | null | Consent provided | Web | 2017-12-04 | Closed with non-monetary relief | Yes | null | 2,745,237 |
2020-06-27 | 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 | Someone had tried opening a credit card with multiple banks in my name. I contacted Capital One to which they said they will do an investigation. An investigation concluded and a letter was send. The letter said ( paraphrasing here ) that the attempt to open up the credit card was fraudulent and that they would inform all 3 credit bureaus. The letter I received is in the ATTACHED document section.
Unfortunately, XXXX has told me that they never received anything from Capital one and that they would need an electronic message sent over to them in order for XXXX to remove the inquiry off of my account. Around 3 and a half weeks ago or so I sent a letter to Capital One, asking them to ELECTRONICALLY resend the original letter that was sent over to me in XXXX to XXXX. I have not received anything yet from Capital One confirming that they have sent anything out or that they even received my letter. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 91001 | null | Consent provided | Web | 2020-06-27 | Closed with explanation | Yes | null | 3,719,446 |
2019-05-07 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | Equifax on my XXXX XXXX XXXX XXXX has not been updated since XX/XX/19 and all payments have been made on time and on my Paper Printed report from Equifax | null | EQUIFAX, INC. | PA | 19013 | null | Consent provided | Web | 2019-05-07 | Closed with explanation | Yes | null | 3,234,538 |
2023-08-31 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | VA | 24112 | null | Consent provided | Web | 2023-08-31 | In progress | Yes | null | 7,482,406 |
2023-01-19 | Checking or savings account | Checking account | Closing an account | Company closed your account | I made a deposit on a account I open up and they closed it and never received my money that I open it up wit h. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MN | 56001 | null | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,457,510 |
2022-09-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Somebody fraudulently opened a credit card in my name at a credit union I have never done business with. Im disputing it on my credit report as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | UT | 84790 | Servicemember | Consent provided | Web | 2022-09-21 | Closed with explanation | Yes | null | 6,005,194 |
2021-11-24 | Vehicle loan or lease | Loan | Incorrect information on your report | Information is missing that should be on the report | During XX/XX/2021 I emailed A-L Financial from their website questioning why my car payment history doesn't appear on my XXXX XXXX or XXXX credit report. I never received a response and I didn't have a record of the contact form. Today I was looking over my credit reports again to see if they had taken any action and maybe just had not reached out to me. Again no sign of my car payments being reported.
I called the office of A-L Financial in XXXX XXXX and I asked why my car payment is not being reported to the XXXX credit bureaus. I was told they only report to XXXX and if I wanted to have it reported to the other XXXX I'd have to do it myself. I don't know if this is a legitimate option for a finance company or not but I've never had this happen to me.
I have had my car for XXXX months and never late on a payment, I am trying to rebuild my credit and my credit reports all look different, they all have different balances in part because of the non reporting of this company.
I purchased the car thru XXXX XXXX which is a huge dealership at no time during purchase or after wasI ever told that I'd need to report my car payments to the credit bureaus myself.
After speaking with the finance company today I contacted XXXX XXXX to find out how I could report it myself and was told there's no way for me to do that. XXXX XXXX referred me to the FTC where I found your information.
This is a complaint against : A-L Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ph # XXXX If this is in fact something they are allowed to do and I am unable to have them report to all XXXX credit bureaus can you please tell me how can go about reporting it myself.
This seems awfully unfair and sketchy to me. Why would a financial institution refuse to report to all XXXX credit reporting agencies.
Please advise, your assistance with this matter would greatly appreciated. I feel like I have been scammed. I bought the car to help re-establish my credit and this is like a set back. It's almost been a year since I purchased the car and I am not getting any points on my other XXXX reports for paying on time or generating a positive account. | Company believes it acted appropriately as authorized by contract or law | A-L FINANCIAL CORP | CA | 95688 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,941,731 |
2023-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 | 33010 | null | Consent provided | Web | 2023-04-26 | Closed with non-monetary relief | Yes | null | 6,893,780 |
2023-06-16 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | The company has chosen to close this account. They have erroneously placed charges onto a card. They continue stating payment is due when they have failed to communicate. However, they erroneously closed the account outside of the realm of the equal credit opportunity act. This account was never past due, did not have inactivity, and no default whatsoever. My account was paid on time each month. Capital One chose to close the account, and they have chosen to forfeit payment because they closed the account. They need to stop billing me for an account they closed and for violation of the equal credit opportunity act. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 76542 | null | Consent provided | Web | 2023-06-16 | Closed with explanation | Yes | null | 7,125,359 |
2019-02-21 | 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 | I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XXXX/XXXX/2017 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93662 | Servicemember | Consent provided | Web | 2019-02-21 | Closed with explanation | Yes | null | 3,158,784 |
2022-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX accordance with the fair credit reporting act XX/XX/XXXX account # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX # XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the rights to privacy.
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 341XX | null | Consent provided | Web | 2022-06-10 | Closed with non-monetary relief | Yes | null | 5,656,951 |
2020-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I received a computer generated and generic reply to my compliant on XXXX that my account was correct and accurate per their investigation. I sent out an second letter on XXXX asking for proof of their investigation and whom they verified the bankruptcy with. I also requested their method of verification and validation of the bankruptcy, Example a copy of the Bankruptcy Petition for each bankruptcy case listed on my credit report for both Transunion and XXXX.
Again I sent a copy of my XXXX file showing where they removed the incorrect filing of the bankruptcies do to inaccuracies and inability to verify as accurate on that report and I don't see how the 3 bureaus can show three different information. SAME AS I DID WITH MY FIRST COMPLIANT. I restated that these accounts are listed incorrectly and differently on each credit file, with invalid Court names and must be removed for inaccuracies.
I did not provide my permission for these accounts to show on my credit file pursuant to section 603 you need to remove it immediately!
as of this Date XXXX, I have not received a response, proof of investigation or who verified the bankruptcy, and nothing stating or shows on my credit file that these accounts are currently in depute or under investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72120 | null | Consent provided | Web | 2020-12-06 | Closed with explanation | Yes | null | 3,993,337 |
2017-11-17 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | I was notified by a government agency that interfaces with financial institutions or any other entity that uses your SSN to make sure that your are n't hiding money or assets for government programs. It was brought to my attention on XXXX/XXXX/XXXX by the government agency that it uncovered two Wells Fargo accounts, a checking and savings account. They gave me the account numbers and told me that the accounts both had a {$0.00} balance and the last statement was XXXX/XXXX/XXXX that also showed a {$0.00} balance. I called Wells Fargo and inquired about these accounts and told they were both opened on the same day, but closed on different days, but opening and closing days seemed to fall on the last day of the month I noticed. I was told I went into a branch and opened up this account with {$100.00} and there had been activity on the account ( s ) bringing it to the {$0.00} balance. Wells Fargo could n't give me any information about what identifying factors per the Patriot Act were used to open up these fake account, I asked in what state was the drivers license issued - could n't disclose it, asked what other pieces of identification were used to open this fake account - would n't and could n't tell me, but yet they, Wells Fargo will ask for your SSN to uncover these fake accounts that were opened and closed within a matter of months, but wo n't give you any information about " your '' fake account with your information.
1. I used to work for the insurance division of Wells Fargo when it started off as XXXX.
2. I NEVER went into this Wells Fargo branch in Texas at XXXX XXXX XXXX in XXXX, Texas to open up any account whatsoever with any money. I do n't know where this location is, did n't live by it and there was no reason for me to drive that far when there was one near my home. I was and still am on a fixed income now and did n't have the money to open the account.
3. When I did have Wells Fargo products way back when and after I worked for them after they laid off employees, I went through a divorce, filed for bankruptcy and my Wells Fargo credit card was included in that Chapter XXXX filing, so why would Wells Fargo be willing to open up a checking/savings account in my name after they took a loss due to my bankruptcy?
4. Wells Fargo created these fake accounts and suppressed account statements from being generated so their victims would n't receive statements because it would alert them as to why are they, or why am I receiving a statement from Wells Fargo when I do n't have one.
5. I do n't use banks, I strictly used credit unions and I have several of them and my Social Security XXXX Income has always been direct deposited into the # XXXX XXXX XXXX, XXXX XXXX XXXX during the time you fraudulently opened up these fake accounts with money that was n't mine.
I am embarrassed that I was ever employed by XXXXWells Fargo!!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 754XX | null | Consent provided | Web | 2017-11-18 | Closed with explanation | Yes | null | 2,732,394 |
2022-03-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent certified letters to the Bureaus on XX/XX/2022 regarding me being a victim of Identity Theft. The Bureaus received the letters, according to the tracking, they received the letter by XX/XX/2022. In the letter I included a police report and an affidavit form asking them to please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this information must be removed within four business days of receipt. However as of XX/XX/2022 these items are STILL on my credit report. As a consumer I have the right to a credit report that is 100 % accurate. As a victim of identity theft this information should not be in my file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30238 | null | Consent provided | Web | 2022-03-20 | Closed with non-monetary relief | Yes | null | 5,345,119 |
2017-09-21 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information is incorrect | Hire Right Inc. XXXX/XXXX/XXXX case number XXXXHire Right will not correct dates of employment for XXXX XXXX XXXX. Dates of employment was XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, I never worked one day in XXXX XXXX and they will not correct it on my employment history. This error will effect my chances for employment. Instead of making information right or wrong they decide to take the side of the paying customer. I would like to see any proof that I worked one day for XXXX XXXX XXXX in XXXX XXXX, just because the pay period ended on XXXX not mean I worked in XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HireRight Solutions, Inc. | IN | 46254 | Older American | Consent provided | Web | 2017-09-21 | Closed with explanation | Yes | null | 2,680,525 |
2022-04-02 | 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 | To Whom It 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( 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, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 01841 | null | Consent provided | Web | 2022-04-02 | Closed with explanation | Yes | null | 5,399,868 |
2023-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This CFPB Complaint serves as a follow up CFPB Complaint for my previous CFPB Complaint requesting that the Credit Reporting Agencies investigate and remove the accounts that resulted due to fraudulent activities. On XX/XX/2023, I sent a dispute letter to each of the Credit reporting Agencies to have the accounts removed from my Credit File. In those letters I attached copies of my personal identifying documents as well as the FTC report I received from the Federal Trade Commission for reporting the fraudulent accounts on my Credit Reports. I request the Credit Bureaus to thoroughly investigate the following accounts and have them removed from my Credit File in accordance with the Fair Credit Reporting Act section 605b : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3300.00}. These accounts were never made by me nor did I authorized anyone on my behalf to do so. These accounts are clearly fraudulent and must be removed from my Credit file the sooner the better. I have attached the letters I sent on XX/XX/2023 for I fear that the letters I sent would not be received by the Credit Bureaus. This complaint serves as my assurance for the Credit Bureaus to receive the letters. | null | EQUIFAX, INC. | TX | 77316 | null | Consent provided | Web | 2023-07-26 | Closed with explanation | Yes | null | 7,305,885 |
2023-07-27 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Received the debt collection notice from the CBE group Incorporated XXXX XXXX XXXX XXXX
It states I owe XXXX {$3300.00} and I have not used XXXX and at least 15 years. Made some phone calls and I just get a runaround and they're asking me to purchase XXXX gift cards to be able to resolve this collection issue which to me sounds a bit off. I have not used XXXX I think this is 100 % fraudulent They gave me a reference number of XXXX XXXX XXXX | null | The CBE Group, Inc. | TX | 79932 | null | Consent provided | Web | 2023-07-27 | Closed with non-monetary relief | Yes | null | 7,313,041 |
2022-12-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect.
Information in the Credit Report Published as Company Info : XXXX XXXX XXXX Account No- XXXX XXXX. XXXX XXXX- {$900.00} XXXX. Last XXXX XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response.
In Accordance with the Fair Credit Report Act this account violated my rights.
XXXX XXXX. XXXX Section XXXX A XXXX 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 a account without my written instructions.
Kindly delete the account.
Thanks XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89113 | null | Consent provided | Web | 2022-12-01 | Closed with non-monetary relief | Yes | null | 6,259,917 |
2020-06-11 | Debt collection | Credit card debt | False statements or representation | Indicated you were committing crime by not paying debt | I received a letter from XXXX XXXX XXXX addressed to my estate. I was reported by synchrony bank who put on my credit report that I was deceased. XXXX got a hold of this and is now sending me letters to my so called Estate. I am not dead.
I called synchrony bank and they could not tell me why this happened or who did it.This is EXTREMELY disturbing getting a letter saying that you are dead in the time of all these crises. I am VERY upset upon seeing that I am deceased on my credit report put on by synchrony bank and receiving letters to collect a debt from a dead person. I really need your help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 128XX | null | Consent provided | Web | 2020-06-11 | Closed with explanation | Yes | null | 3,693,105 |
2022-01-12 | 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 | XX/XX/2021 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In Re : Case # XXXX Disputed Amount : {$4900.00} Merchant Name : XXXX XXXX XXXX
To Whom It May Concern : XXXX XXXX ( XXXX ) response to my previous request does not accurately represent the services ( not goods ) that I purchased pursuant to the service agreement ( enclosed for your consideration ) and which XXXX failed to provide me as set forth in further detail herein.
First, pursuant to section 1.1 of the service agreement XXXX was supposed to set up two ( 2 ) accounts, one for each business that I own, for which they were to provide services to. More specifically, the services that XXXX was supposed to provide to the two accounts were XXXX XXXX Services by way of : 1. Content Removal ( for negative reviews that were unverified ) ; and 2. Customer Surveys ( to obtain more positive reviews from my customers ).
From the inception XXXX was deficient and unable to set up the two ( 2 ) accounts as required by the service agreement. As of date only account was set up. This is confirmed by the fact that I was charged two separate {$120.00} activation fees, one for each account ( see PAYMENTS AND TERMS set forth in the services agreement ). As such, only partial services were provided with respect to setting up my accounts in because only one account was set up, despite being promised that two would be created pursuant to the services agreement. However, even the one account that was set up never received the services as agreed upon despite my repeated attempts to resolve the issues with XXXX via both telephonic and electronic communications to XXXX ( see electronic communication enclosed ).
More specifically, pursuant to section 1.1 XXXX was to locate negative reviews, targeting those that appear on XXXX, XXXX, and other plat formsandrequest [ those platforms ] to review and remove those reviews. Unfortunately, XXXX failed to challenge any of the thirteen reviews they listed despite my repeated attempts to advise them of their defaults under the services agreement and their representation in the service agreement that they will execute all available legal and commercial solutions for the removal of negative content. Thus, XXXX position set forth in their response, to wit, that the services they provided were received in good condition is completely contradicted by the fact that their own account statement reflects otherwise ( see screen shot of my account ). Again, this is for only one account and not the two that XXXX should have created pursuant to the services agreement.
Further, pursuant to Sections 1.2, 1.3, and 1.4 XXXX was to provide me the ability to upload my database of customer emails for XXXX to send customer surveys to for the purposes of accumulating more positive reviews to offset any negative reviews that remained on the platforms they represented they would search. However, despite my repeated attempts to apprise XXXX of their deficiencies they were never able to overcome their technical limitations to import many of our customer emails for the scope of services previously outlined herein ( see electronic communication confirming XXXX failure to import customer emails ). As per the recording of my call with XXXX on XXXX XXXX, XXXX customer service representative admits in the phone call at minute XXXX that they were unable to provide the services as agreed to in the service agreement. Unfortunately, Capital Ones online submission portal does not accept audio files, but I can provide a copy of the same upon request.
Further, XXXX position that I was required to solely communicate with them via electronic communication is directly contradicted by the service agreement itself where no such provision mandates that my communication with them ( including to their customer service department ) be made solely by electronic communication. Thus, any argument suggesting otherwise is disingenuous at best and in nothing more than a veil attempt by XXXX to cover up their own failures to provide the services as set forth in the service agreement.
In addition, Capital Ones request that I obtain a second opinion on company letterhead from another merchant in the same field that states how the service was defective is unreasonable and/or unwarranted for a variety of reasons. Most importantly, but not limited to, that to do so would place an unreasonable burden on my time to locate a similar company to that of XXXX and cause me to incur additional expenses in having to hire said company that I will never recouped solely to provide such an opinion letter at Capital Ones request. Rather, I respectfully submit that if any party to this dispute should be under an obligation to obtain such an opinion letter that it should be XXXX in light they, as current operators in their industry, could easily locate a competitor to do so given their respective industry knowledge.
In summary, I never received the services provided in the service agreement as previously set forth herein despite my numerous attempts to resolve those issues with XXXX prior to directing Capital One to charge back XXXX. As such, I respectfully request that the chargeback of {$4900.00} be credited to my account as XXXX never provided the services that I had paid them for.
XX/XX/2021 Capital One XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX In Re : Case # XXXX Disputed Amount : {$4900.00} Merchant Name : XXXX XXXX XXXX
To Whom It May Concern : In accordance with your XX/XX/2021, letter requesting more documentation concerning the instant dispute with XXXX XXXX ( XXXX ) I have enclosed the following pursuant to your requests : 1. A second opinion letter from XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ).
The XXXX XXXX letter confirms that XXXX conduct not only deviated from the industry norm with respect to the services they were supposed to provide me, but unable to do so, but completely departed from the terms in the contract that I entered into with them to provide reputation management services. More specifically XXXX XXXX confirms in its conclusion of their review that XXXX could not even provide the basic level of services that they already set up for XXXX account let alone the second account that they failed to set up all together. Further, XXXX XXXX sums up XXXX failures to remedy the issues at hand when their review confirmed that rather than employing remedies and methods to remedy its numerus defaults, elected to stonewall XXXX XXXX once his dissatisfaction with their performance and requested a refund.
Please understand that I wanted the services according to my contract with XXXX and tried to work with them to remedy their inability to provide those services as set forth in more detail in my XX/XX/XXXX response that I previously provided to you per your request. However, it would be unconscionable and totally inequitable for me to have to pay for services that I never received let alone an account that XXXX never was able to set up due to their own internal issues and/or incompetence. Please see my XX/XX/XXXX response for further detail should you need to do so.
To aid you in your final review of this matter I have enclosed the following documents that were previously provided and uploaded to your system in response to your XX/XX/2021, letter request : 1. The contract of the services agreement ( there was no formal sales invoice provided by XXXX ) ; and 2. My XX/XX/XXXX detailed letter that addresses the issues with XXXX in great detail and their inability to provide services and/or remedy those issues as set forth in the services agreement as well recounting the many times I sought to address and rectify the issues with XXXX, but where they failed each time to do so.
In summary, I never received the services provided in the service agreement as previously despite my numerous attempts to resolve those issues with XXXX prior to directing Capital One to charge back XXXX. As such, I respectfully request that the chargeback of {$4900.00} be credited to my account as XXXX never provided the services that I had paid them for, and this matter be marked final as I have gone through great length and expense in having to respond to XXXX completely bogus and erroneous claims to the contrary. | null | CAPITAL ONE FINANCIAL CORPORATION | NJ | 07712 | null | Consent provided | Web | 2022-01-12 | Closed with monetary relief | Yes | null | 5,096,688 |
2022-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60619 | null | Consent provided | Web | 2022-08-17 | Closed with explanation | Yes | null | 5,891,083 |
2023-05-05 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | Dear Fraud Department, I am the victim of identity theft. Someone used my personal information including my name and Social Security number to open an account with XXXX XXXX XXXX. This account was sent to LVNV Funding/Resurgent for collections. I am working with XXXX XXXX XXXX to resolve this issue. Once I was made aware of the fraudulent account, wedisputed the account with LVNV Funding. I was asked to send a copy of my fraud affidavit and drivers license to them for review. These documents were sent to them on XX/XX/. Included in the documents was a written request for all documentation related to the case. I have not received those documents as required by law.
My XXXX XXXX XXXX agent spoke with LVNV Funding on XX/XX/2023 and was advised that since there was a court ruling in the situation, they would not be marking the account as fraudulent.
The court ruled against me because I was not aware of the account and did not have the opportunity to defend myself and explain that the account was the result of identity theft.
I would like to reiterate the following points : * I did NOT open this account, and was not aware of its existence.
* I did NOT receive notification of the account, the collection activity, or the court case until recently.
* I have NOT received the documentation related to the account that I am legally entitled to.
Please see the attached copy of the fraud affidavit filed with the FTC and a copy of the police report filed regarding this situation.
Resolution : Please review the attached documents and mark the account as fraudulent.
Please let me know if you have any additional questions or concerns.
I can be reached directly via phone or email .... ( include details ) Thank you | null | Resurgent Capital Services L.P. | NJ | 07901 | null | Consent provided | Web | 2023-05-05 | Closed with explanation | Yes | null | 6,937,765 |
2018-11-23 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | XX/XX/2018 and XX/XX/2018 I sent certified letters to Kansas Counselors asking them to validate the debt they are stating belongs to me. I received no correspondence back nor was it removed from my XXXX, XXXX or XXXX Credit report. | null | Kansas Counselors, Inc. | MO | 641XX | null | Consent provided | Web | 2018-11-23 | Closed with explanation | Yes | null | 3,081,537 |
2020-03-30 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Card was charged for something you did not purchase with the card | -On XX/XX/XXXX, I logged into my Capital One account and noticed a charge for {$890.00} from XXXX on XX/XX/XXXX. The last order I placed on XXXX was in XX/XX/XXXX, so I knew this was fraudulent, especially with such a high amount. I immediately called Capital One to make them aware of the charge and report it as fraudulent. They closed the account and issued a new account to me.
-In logging into XXXX, under Order History, there was an order placed on XXXX XXXX for 39 external backup battery power banks totalling {$89.00}, but it was in a CANCELED status.
-On XX/XX/XXXX, I received a letter dated Mr. XXXX from Capital One stating that their fraud investigation was complete and that there was no indication of fraud and the charges would reflect on my next statement.
-On XX/XX/XXXX, I called the Fraud Department at Capital One and spoke with XXXX XXXX He said that XXXX did respond to them indicating that the order was placed, but then cancelled and the refund was given in the form of 'XXXX XXXX '. He attempted to call XXXX to contact XXXX, but the phone recording told him that they are not taking phone calls at this time. I called the number too and received the same message. He advised to send a customer support message to request that the 'XXXX XXXX ' be removed and {$890.00} returned to the credit card. I told XXXX that IF I had placed the order and then changed my mind and cancelled, if the store policy is store credit, then that would be on me, however, I did not place the order, so can not be liable for the charges and do NOT want 'XXXX XXXX '. The last purchase I made in XXXX was for a bakers rolling pin, valued at approximately {$5.00}, so I have no intentions of placing {$900.00} worth of goods from this website. XXXX advised to call back once I received a response to my message.
-On XX/XX/XXXX, I sent a customer support message requesting that the XXXX XXXX ' be refunded to my credit card due to a fraudulent order -- I provided the transaction number, the end of my credit card number, the date.
-On XX/XX/XXXX, I received a generic " Due to company policy, we will not be able to remove the block from your account at this time. If you need assistance with any of your current orders, please provide the following : 1. Transaction #, 2. Name of Item, 3. A photo of the item if you have received it, 4. The issue you're having. Clearly, this response was NOT appropriate for my situation and did not address my request.
-On XX/XX/XXXX, I sent another customer support message stating the same request, but again received the same response from a different XXXX responder stating they could not assist due to the block on my account.
-On XX/XX/XXXX, I logged back into XXXX and noticed that the profile information had been modified to a different name, there were items in the shopping cart that I did not put there, and under 'payment settings ' a shipping address in XXXX was listed! The account does not even appear in my name any longer!
-On XX/XX/XXXX, I called Capital One 's fraud department and spoke with XXXX . He said that there was nothing he could do. He said that upon reaching out to XXXX initially, they confirmed that I authorized the transaction on XXXX XXXX and my personal information matched up and because of that, there was nothing else he could do. I asked if I could share the emails I had from XXXX and he said no, as their investigation was complete. He repeated multiple times that I would have to contact XXXX or a third party to dispute further as Capital One is no longer pursuing anything. I argued that the phone line for XXXX is not accepting calls and the customer support messaging center was not providing 'real human ' responses, but he said there was nothing further he could do.
The {$890.00} is still showing on the account in XXXX XXXX, however, the account is no longer registered in my name and the shipping address belong to someone in XXXX. I have requested that XXXX take the 'XXXX XXXX ' and refund the credit card, but I have not been able to get in contact with anyone to understand and make the request. I also attempted to get customer support on my specific order and through the robotic chat was told that until I correct my payment issues, the order could not be reviewed. Upon clicking the 'payment issue ' button, I was brought to a page requesting an image of my bank statement showing the charge, which was another red flag. | null | CAPITAL ONE FINANCIAL CORPORATION | MO | 63367 | null | Consent provided | Web | 2020-03-30 | Closed with explanation | Yes | null | 3,585,648 |
2023-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | IL | 604XX | null | Consent provided | Web | 2023-08-22 | Closed with non-monetary relief | Yes | null | 7,433,404 |
2023-07-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | Transunion has denied my access to my credit report. I have tried multiple times to access it on Transunion 's website and in writing. I believe this is due to retaliation when I reported multiple instances of inaccurate information and violations of the FCRA to CFPB and the FTC for obvious violations of inaccurate reporting and negligent consumer reporting that violates the FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IA | 501XX | Servicemember | Consent provided | Web | 2023-07-23 | Closed with explanation | Yes | null | 7,288,485 |
2022-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | INACCURATE INFORMATION REPORTING ON MY CREDIT. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 91710 | null | Consent provided | Web | 2022-02-06 | Closed with explanation | Yes | null | 5,191,365 |
2023-02-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80920 | null | Consent provided | Web | 2023-02-04 | Closed with explanation | Yes | null | 6,527,918 |
2022-04-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC. | null | EQUIFAX, INC. | FL | 34221 | null | Consent provided | Web | 2022-04-05 | Closed with explanation | Yes | null | 5,409,455 |
2023-02-15 | 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 ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. | null | Consumer Portfolio Services, Inc. | IL | 60628 | null | Consent provided | Web | 2023-02-15 | Closed with explanation | Yes | null | 6,577,140 |
2018-02-27 | 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've contacted Transunion twice in regards to 3 inquiries on my credit report that I did not make. I advised that I suspected fraud. They informed me they couldn't do anything and to contact the creditor- XXXX XXXX. I contacted XXXX XXXX and was informed they could not do anything either. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KS | 662XX | null | Consent provided | Web | 2018-02-27 | Closed with explanation | Yes | null | 2,828,086 |
2023-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.
15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ).
A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act. | null | EQUIFAX, INC. | TX | 77340 | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,527,342 |
2018-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | So in the process of fixing my credit and applying for a car loan, I noticed that on XX/XX/2018 my XXXX credit bureau had lost points due to an unlicensed collection company ; XXXX XXXX XXXX XXXX for the state of Maryland was added. When I saw that I immediately checked ( XXXX XXXX XXXX ) to see if they were bonded in my state. The amount is for {$570.00}. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt owed. | null | CURO Intermediate Holdings | MD | 207XX | null | Consent provided | Web | 2018-09-18 | Closed with explanation | Yes | null | 3,020,139 |
2016-07-28 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical. | null | Merchants and Medical Credit Corporation, Inc. | MI | 48439 | null | Consent provided | Web | 2016-07-28 | Closed with non-monetary relief | Yes | No | 2,032,386 |
2023-01-18 | 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 | I have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections XXXX & XXXX of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 891XX | null | Consent provided | Web | 2023-01-18 | Closed with non-monetary relief | Yes | null | 6,446,526 |
2020-02-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I filed Chapter XXXX bankruptcy in the United States District Court of Minnesota Bankruptcy Court and has notified XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX XXXX and XXXX XXXX XXXX/XXXX XXXX, countless times in regards to a debt the above creditors is trying to collect from me. The debt was discharged in Chapter XXXX bankruptcy court. The above creditors are in violation of the bankruptcy court Automatic Stay which prohibits all collection activity, including legal action, garnishment and contact via phone and mail. All my debt was discharged in Chapter XXXX bankruptcy court in the United States District Court of Minnesota. I want XXXX and Experian to notify the above creditors and immediately delete the accounts from my credit report, as the accounts was discharged in Chapter XXXX bankruptcy court. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 55343 | Servicemember | Consent provided | Web | 2020-02-19 | Closed with explanation | Yes | null | 3,536,450 |
2023-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | on XX/XX/23 i sent experian an inquiry into the some things i saw on my credit are not vaiid. They have ignored my attempts to resolve these issues and will not comply with what i know is right and is causing me financial hardships at the moment. I have been ignored by the agency and have sent multiple request. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 711XX | Servicemember | Consent provided | Web | 2023-08-03 | Closed with explanation | Yes | null | 7,349,351 |
2022-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | My Personal Information was compromised and there were a number of inquires I did not authorize. Have contacted Credit Bureaus on numerous occasions to have these fraudulent inquires done without my consent to be removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. | null | EQUIFAX, INC. | OH | 432XX | null | Consent provided | Web | 2022-01-10 | Closed with explanation | Yes | null | 5,090,581 |
2022-08-04 | 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 | In XXXX after my credit score dropped almost 60 points Navient reported my loans 90 days past due but I did a deferment. I was not notified by Navient before deferment ended. I submitted a dispute the same day Navient put a forbearance in place that I was not aware that I had available to me. On each loan with XXXX and XXXX XXXX I placed reporting wrong and in forbearance. Yesterday XXXX sent me a notification that my dispute was completed and Navient changed nothing and left all loans as is. I called XXXX and they told me to upload proof so I did. This morning I got another notification that another dispute was opened giving Navient another 30 days to fix it. I brought this to Navient attention yesterday and quickly they reported to XXXX XXXX that my loans were current. Also I called Navient about the Settlement list and they would not provide any information at all. I called the Sc Attorney General 's office in SC and got a call this morning stating I wasn't on the list and I have loans that were private and also loans for for-profit schools. And again Navient will not give me any information. I have had nothing but headaches with Navient since they were Sallie Mae. I did a rehabilitation in XXXX for Navient loans and was told by XXXX the guarantor that I could have those loans transferred to my other servicer who is wonderful but that never happen. For the damage to my credit I would like to sue Navient and XXXX. The loans for XXXX XXXX also belong to once was XXXX XXXX. In XXXX I believe XXXX XXXX switched the name to XXXX XXXX. I only had a few months left until I finished and they made me start all over again and take out loans for classes I already took. XXXX XXXX took a numerous amount of financial aid from me and when my step dad passed I took a short break and when I tried to return I was denied entry. The dean said I had attended too many colleges???? I just attended there almost a year????? They were also a for profit school that closed down along with XXXX. My XXXX XXXX loans are with XXXX I believe. I asked Navient for the forms for forgiveness on those loans and they stated they didn't have the forms and that if the school did not close I probably wouldn't get. I am so so upset and tired of Navient. | null | Navient Solutions, LLC. | SC | 29445 | null | Consent provided | Web | 2022-08-04 | Closed with explanation | Yes | null | 5,844,145 |
2023-09-08 | 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'm " CLIENTS NAME, '' and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The Equifax and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. XXXX XXXX XXXX XXXX XXXX : {$0.00}. | null | EQUIFAX, INC. | TX | 76013 | null | Consent provided | Web | 2023-09-08 | Closed with explanation | Yes | null | 7,518,094 |
2022-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | First Inv Servicing has failed to report the deficiency balance on this voluntary surrender. The balance that is reporting is incorrect. they have also failed to report the original balance or high credit. The date of first delinquency has also not been told to me or verified, as I believe the date of last payment has been changed to affect the statute of limitation and reporting date. This company has also failed to report that this account is in dispute. I have attached a copy of the credit reporting to this complaint. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Stellantis Financial Services US Corp. | KS | 665XX | null | Consent provided | Web | 2022-08-18 | Closed with non-monetary relief | Yes | null | 5,892,519 |
2022-08-17 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | My name is XXXX XXXX. I am an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and in NY. I received a call this morning on XXXX from someone claiming that I had an XXXX XXXX Account and that they would file a judgment against me in XXXX XXXX, as well as contact my employer. I am self-employed.
I have never had an XXXX XXXX Account. Just in case I misremembered something, I confirmed this info with Barclays Bank that owns XXXX XXXX debt. These scammers have my first and last name and my full social security number! Please advise.
The number that I received the call from was XXXX. I was told to dial XXXX to follow up. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NJ | 07040 | null | Consent provided | Web | 2022-08-17 | Closed with explanation | Yes | null | 5,889,267 |
2023-08-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer. | null | EQUIFAX, INC. | SC | 29456 | null | Consent provided | Web | 2023-08-01 | Closed with explanation | Yes | null | 7,328,231 |
2021-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2021 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'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | MN | 551XX | null | Consent provided | Web | 2021-06-20 | Closed with explanation | Yes | null | 4,475,543 |
2022-05-04 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I used Care Credit Synchrony Bank to charge procedure with XXXX XXXX XXXX XX/XX/2021. I ended up with unacceptable results that still needs additional revision.
Ive have an entire photo album tracking progress ; and have given the issue more than recommended amount of time to see final results.
According to the website there is mention of skin tightening and even the specific quote that the skin is always left tighter than before. My result is the opposite. Skin tightening was not the reason I had this procedure. It was too remove the XXXX for an improved contour ; however, it was definitely not to leave the skin worse and less tight then I started ; especially when skin tightening is promoted as a side benefit.
Im not looking for a perfect outcome. Im looking for a result that leaves me looking better than I started off. The result is not subjective. It is clear Ive been left with a worse issue then I came in. I have pictures and video to prove this.
XXXX after pictures as well still show significant slope of profile not really an improved contour. Ive seen some improvement in the profile after the XXXX XXXX but that is not as result of XXXX. I have appointment now to work with cosmetic consultant to help guide me in next steps so I can have proper revision/correction.
If there is nothing that XXXX believes they can do ; I dont understand why there can not be a internal negotiation on a fair price since I have been left with a worse result that now needs revision procedures to fix. They are u willing to do anything ( opposite of what I was originally advised ) saying they believe I have a great result. I even went back to see another XXXX there per their request and he even said he has not had patients with this result and advised possible things I could look into for additional revision.
Anyone who sees my pictures it is clear I have issue didnt have before. Even if it is not something XXXX can fix ( which they advised they can not ) then why would they not in good conscience work with me to achieve a resonance outcome. I understand I take some of the risk in a cosmetic procedure, I am more than willing to pay the surgical fees etc, but to pay {$6000.00} total to be left with horrible results that needs a revision is not acceptable.
I am attaching a few of probably the hundreds of photos I have taken tracking the progress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | XXXXX | null | Consent provided | Web | 2022-05-04 | Closed with explanation | Yes | null | 5,538,877 |
2022-10-06 | 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 | Foundation Fiance Co LLC placed a credit inquiry on my credit report on XX/XX/22 and I did not apply for any credit with them | null | Garrison Investment Group | PA | 19135 | null | Consent provided | Web | 2022-10-06 | Closed with non-monetary relief | Yes | null | 6,059,209 |
2023-02-10 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I had a membership with XXXX XXXX, and I went there consistently for a couple months until I got pregnant and had an injury during my pregnancy. I let them know the day I had left the gym as well as called back a month later, after I had received a charge, even though I have not been going. The representatives and let me know on several different calls that I didnt have to worry about anything, and since I had to dispute the charge with my card, theres nothing further I needed to do on my end due to the unique situation. I had been receiving strange calls to update my financial information so I had called back again and they let me know as long as the money wasnt coming out of my account. Theres really not much they could do. About a month or so ago I received a call from the manager at that branch letting me know that they were about to send my debt to a collections company because I owe over {$300.00}. Every single time Ive spoken to a representative. I thought there was no further action was needed but since they have proof of the attempts of calls, they made theyre not willing to work with me on the debt. I was going back-and-forth with the manager in regards to taking care of the account. However, he stopped responding about a month ago and now I received a collections notice from a legal firm. | null | Aldous & Associates, PLLC | ID | 83705 | null | Consent provided | Web | 2023-02-10 | Closed with explanation | Yes | null | 6,551,264 |
2022-03-04 | Vehicle loan or lease | Loan | Incorrect information on your report | Information belongs to someone else | Capital One Auto Finance claims that I owe them money for a car loan that I never applied for. I have disputed this issue several times. I also asked them to send me verification of this debt. I have not received anything. The address they have on file is not my address. I have never lived at the address they claim to have. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 02721 | null | Consent provided | Web | 2022-03-04 | Closed with explanation | Yes | null | 5,286,915 |
2019-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38018 | null | Consent provided | Web | 2019-04-24 | Closed with explanation | Yes | null | 3,221,483 |
2017-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On my credit report under 'regular inquiries ' via ( Trans union, XXXX and XXXX ) there is an inquiry showing the company XXXX XXXX with the date : X/XX/2017. This inquiry is fraudulent and I would like this inquiry removed from all credit reporting agencies. | null | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07103 | null | Consent provided | Web | 2017-07-12 | Closed with explanation | Yes | null | 2,572,599 |
2022-10-17 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Need information about your loan balance or loan terms | Edfinancial doesn't provide estimated wait times or confirmation email on how my loan refund application is going. I also do not know how much I am getting refunded. They just want us to wait and referred me to get information from the department of education. I hope there is a way to get an estimated progress information updates from the organization or the department of education. | null | EdFinancial Services | CA | 90631 | null | Consent provided | Web | 2022-10-17 | Closed with explanation | Yes | null | 6,094,897 |
2022-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On the account with Equifax, I have written them numerous times as well they are showing an account with XXXX XXXX XXXX as inaccurate with an updated Date of Last Active which matches the Date of Last Reported. This shows they updated this account and Re-aged this account which is now a violation. Along with the fact that the High Credit Limit is matching the Balance which is inaccurate. This account is not a joint account and if they had actual proof they would have provided that because the method of verification was asked for numerous times. I have also asked for an independent investigation because due to XXXX XXXX XXXX it is required and they have yet to provide this information. I have been pushed to place in this complaint. | null | EQUIFAX, INC. | TX | 780XX | null | Consent provided | Web | 2022-04-21 | Closed with explanation | Yes | null | 5,479,130 |
2018-04-19 | Debt collection | Private student loan debt | Written notification about debt | Didn't receive enough information to verify debt | In XX/XX/XXXX & XX/XX/XXXX Citizens Bank took two unauthorized debits totaling {$9500.00} from my checking account to offset a student loan debt account that they had not previously made me aware existed. I disputed it immediately, and they told me that they would not refund the money to me unless I had a letter from a judge. I then filed a lawsuit against Citizens Bank Asset Recovery Department and the judge ruled in my favor. Her ruling stated that they had to refund the {$9500.00} to me ( plus court costs ), and offer a reasonable repayment plan to payoff the debt account.
On XX/XX/XXXX Citizens Bank refunded the {$9500.00} to my checking account. I spoke with someone in the asset recovery department and he offered me a reasonable repayment plan of {$100.00} per month. I accepted that, and it was to begin on XX/XX/XXXX and every month on the XX/XX/XXXX day moving forward, {$100.00} would be transferred from my checking account to the debt account until the loan is paid in full. I asked for this agreement in writing for my own records. They told me they couldn't provide written documentation, but internally they would notate my file and the phone call was recorded.
On XX/XX/XXXX Citizens Bank did not take the previously agreed upon {$100.00} from my checking account, even through the funds were available. They also did not touch my checking account the following months in XX/XX/XXXX or XX/XX/XXXX, and they never notified me of any failed attempts to collect the {$100.00} or insufficient funds that didn't allow them to make the transaction.
On XX/XX/XXXX Citizens Bank Asset Recovery Department took an unauthorized debit of approximately {$370.00} from my checking account to offset the student loan debt account. They left me with exactly {$50.00} even. I immediately disputed the transaction at the local branch, because I had paid a bill online that once that transaction went through, would now overdraft my checking account and subject me to insufficient funds fees. The local branch couldn't help, so I had to call the asset recovery department. I requested they refund the {$370.00} because my account would be overdrawn by the next day. They denied my request, and said there's no way they would issue a refund because I still owed on the debt account and they had the right of offset. I explained there was an agreement in place with a payment plan that they didn't honor, and now they have caused me even more financial harm despite the lawsuit and agreement that was explained above. Their solution was to not refund me the {$370.00}, but if I incurred any insufficient funds fees that they would waive the next three fees. I said that's not acceptable because we previously agreed to payments of $ XXXX/month which I could afford, and I can not afford {$370.00} or more, especially when I didn't authorize a payment of that amount.
I then asked for a transcript of the phone call from XX/XX/XXXX and XX/XX/XXXX. They told me they couldn't provide that information, even though they said these phone calls were recorded. I asked for more written documentation, which they said they couldn't provide. All they could give me was a transaction history upon written request from me. The person I spoke to advised to call the collection agency that had been assigned to this debt and work out a repayment plan. I explained that I already worked out a repayment plan with Citizens Bank directly and I don't think it's right to have two separate debt collectors ( the agency and Citizens ) reaching out to me to collect the same debt twice.
Now I am forced to find an outside solution because of Citizens Bank 's lack of communication and failure to honor a verbal agreement to repay this alleged debt. | null | CITIZENS FINANCIAL GROUP, INC. | PA | 19150 | null | Consent provided | Web | 2018-04-19 | Closed with explanation | Yes | null | 2,879,454 |
2022-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file.
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 | Experian Information Solutions Inc. | SC | 29414 | null | Consent provided | Web | 2022-07-21 | Closed with explanation | Yes | null | 5,794,062 |
2023-04-27 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | Opened checking account with New Customer promo advertisement. Met all the terms and conditions to qualify for credit of {$300.00}. Called customer service after 90 days with no credit of funds, representative stated they do not guarantee their promotions and refused to apply promotional advertisement. This is US Bank | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 92346 | null | Consent provided | Web | 2023-04-27 | Closed with explanation | Yes | null | 6,892,255 |
2019-12-05 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit.
Cheers XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 22408 | Servicemember | Consent provided | Web | 2019-12-05 | Closed with explanation | No | null | 3,459,383 |
2021-12-04 | 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 | These agencies include Equifax, XXXX, and XXXX. my wife and I are victim 's of fraud this is been on going still we have filed complaints to your office as well as the were the debit took place, your office keep passing this back to Equifax, XXXX, and XXXX they keep tell me I never showed a police reports I have sent them and your office has showed them also, we have make complaints with FHA, as well as Hud from their own website up loading the info we spent money using their owe sites and they wont take the info, provided, please see the enclosed info. I have also called your XXXX XXXX XXXX IM XXXX and a member of XXXX XXXX, we have been discrimination on the basis of familial status and gender because no one fixed the credit I was force this humiliation of this, and split of my children between homes, this has caused my health problems as well not having the credit my teeth damage I need dentures. we lost out on homes and lender who cant lend to. our info with Equifax, XXXX, and XXXX is crossed wrong, multiple files with mine and my wife. info | null | EQUIFAX, INC. | OR | 97333 | null | Consent provided | Web | 2021-12-04 | Closed with explanation | Yes | null | 4,975,845 |
2021-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have attempted on 3 occasions to obtain the method of verification used to verify an erroneous bankruptcy that has been listed on my credit profile. Experian has yet to provide that proof of verification. After reviewing their website, it was found that a third party credit agency, XXXX XXXX at times furnishes information to the credit bureaus. After reading that I contacted XXXX XXXX who attempted to verify this account with the courts. The courts sent notice that they do not verify such information. XXXX XXXX then deleted this erroneous bankruptcy from their records. This bankruptcy is unverifiable and should be deleted from my credit report. I have attempted to get actual proof of verification since XX/XX/XXXX, XXXX Letters sent to Experian on XX/XX/2021, XX/XX/2021 and CFPB complaint sent on XX/XX/2021. Even after a compliaint was filed, it STILL did not receive any verification of this bankruptcy. How is this even possible that this continues to happen. It is now XX/XX/2021 and I STILL have NO PROOF OF VERIFICATION. This is beyond unacceptable at this point. Without verification this accounts need to be removed ASAP. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53208 | null | Consent provided | Web | 2021-10-01 | Closed with explanation | Yes | null | 4,772,438 |
2022-10-24 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | XX/XX/XXXX : Call received from XXXX XXXX XXXX XXXX ( XXXX ) at XXXX am. Call was blocked.
XX/XX/XXXX : Received Debt Collection Letter from XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and spoke to a Aide and tried to convince her that it was not my debt ( they had the wrong person ). Aide asked if my birth month was XXXX ( its not ) and I replied that it wasnt even close. XXXX then said they would remove my name from the debt and abruptly hung up. I called back several times to try to confirm that they were indeed going to remove my name from the debt action. I could not get confirmation.
XX/XX/XXXX : I spoke with my attorney at XXXX XXXX, XXXX and he advised me to send a Debt Validation request letter to XXXX XXXX XXXX XXXX. I sent the letter on XX/XX/XXXX to XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, MO XXXX and included their Debt Letter Reference # : XXXX. I indicated that I disputed the debt ( returned the response slip provided in the XXXX XXXX XXXX ) and asked for debt validation. The debt is for {$690.00} and the original creditor was XXXX XXXX Bank, XXXX.
XX/XX/XXXX : I received XXXX letters ( dated XX/XX/XXXX ) from Resurgent Capital Services at XXXX XXXX XXXX, XXXX, MI XXXX. The first letter basically said they are looking into my inquiry. The actual text stated : Resurgent Capital Services L.P. manages the above referenced account for LVNV Funding LLC and has initiated a review of the inquiry recently received either directly or from XXXX XXXX XXXX, the current servicer of this account. They included an Account XXXX : XXXX and a Reference ID : XXXX. The second letter basically said they were verifying the debt with the enclosed information. The actual text stated : We have received a recent inquiry regarding the above-referenced account and have enclosed the account summary which provides verification of debt. The enclosed account summary included a credit card statement from late XXXX and was addressed to an individual with the same name as mine, but with a different address than mine. I have lived at my current address since XXXX way before the account initiation of XXXX. Additionally, I always use my middle initial on all formal documents I sign. Bottom line : The debt verification response identified that a debt existed, but not that I am the responsible for the debt. Its unfortunate that the debt verification did not include more specific identifying information such as Date of Birth ( DOB ), individuals Middle Initial, and the last 4 digits of the Social Security Number ( SSN ) of the person they say is responsible for the debt. In fact, based on what they did provide, the information supports my contention that I am not responsible for the debt, because I never lived at the address contained on the credit card statement. So, it appears that Resurgent Capital Services performed an incomplete due diligence of the debt action, or they have additional information they are not providing ( as requested in my XXXX XXXX XXXX ).
XX/XX/XXXX : A letter was sent to Resurgent Capital Services L.P. at XXXX XXXX XXXX, XXXX, South Carolina, XXXX from my attorney at XXXX XXXX XXXX XXXX. again disputing the debt, requesting debt validation and any information they have that indicates whether or not I am responsible for the debt. This letter also enclosed a Name Affidavit, signed by me, that I am not the XXXX XXXX named as the Accountholder of Account Number XXXX. This Name Affidavit was notarized and sent with the letter.
XX/XX/XXXX : My attorney at XXXX XXXX, XXXX. received a letter from Resurgent Capital Services L.P. dated XX/XX/XXXX. This letter again stated the enclosed account summary provided verification of the debt. Unfortunately, the enclosures were virtually identical to the correspondence received from Resurgent Capital Services L.P. that was dated XX/XX/XXXX. Nothing new or definitive was provided.
XX/XX/XXXX : As of this date, I can not tell if Resurgent Capital Services XXXX still believes I am responsible for the debt. Their information provided certainly doesnt demonstrate that fact, and I know that is not my debt. | null | Resurgent Capital Services L.P. | VA | 22312 | Older American, Servicemember | Consent provided | Web | 2022-10-24 | Closed with non-monetary relief | Yes | null | 6,121,688 |
2021-10-19 | 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 | My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one XXXX and Experian gave me a total run around. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53913 | Older American | Consent provided | Web | 2021-10-19 | Closed with explanation | Yes | null | 4,824,467 |
2023-08-26 | Credit card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I received an application order from Fortiva credit card when I read the terms I realized. They were excessive fees that although tempting by the amount they would approve of credit, the fees were excessive and take advantage of an average consumer trying to keep their heads above water. They should be stopped from take advantage of the consumers and make the fees more affordable to help, not hurt the average consumer. They are seriously taking full advantage and although I saw through it, most people won't understand until they are indebted to this company. Their terms of service allow them to change their rates at any time and the consumer can not opt out if they carry a balance... they are held XXXX to whatever the company wants to do and has to pay according to the changes if they are currently holding a balance. They are wrong and should be made to Lowe, eliminate and adjust their terms to ones that are fairer to the consumer. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | FL | 322XX | null | Consent provided | Web | 2023-08-26 | Closed with explanation | Yes | null | 7,467,474 |
2023-03-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I ACQUIRED MY CREDIT REPORT AND ASKED BUREAUS TO CHECK AND MAKE SURE EVERYTHING WAS COMPLETE AND ACCURATE ACCORDING TO 15 USC 1681 i ( 5 ) I WAITED 30 DAYS AND RECEIVED MY INVESTIGATION AND NOTICE EVERYTHING WAS STILL THE SAME. THE CONSUMER REPORTING AGENCIES WHICH IS XXXX, XXXX TRANUNION DID NOT MODIFY OR REMOVED ANYTHING.
THE DATE OPEN IS NOT CORRECT, DATE LAST ACTIVE ISS NOT CORRECT ON ALL THREE CREDIT REPORTS, DATE OF LAST PAYMENT IS NOT CORRECT ON THR THREE CREDIT REPOTS.
WHICH IS A VIOLATION. THIS IS IMPACTING ME FROM MOVING FORWARD TO BUYING A HOUSE FOR MY FAMILY.
I ATTCH MY PREIOUS CREDIT REPORT TO SHOW HOW XXXX, XXXX, TRANUNION VIOLATED MY RIGHTS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89169 | null | Consent provided | Web | 2023-03-21 | Closed with explanation | Yes | null | 6,727,552 |
2023-04-04 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | I have a debt with Capital One. I had my credit ran to see my debt to attempt to clean it up. After seeing my debt I started cleaning it up. Suddenly I received a certified letter ( XX/XX/2023 ) from XXXX XXXX XXXX about a garnishment lawsuit that has been filed in behalf of Capital One. I made the call this morning ( XX/XX/2023 ) to explain Ive been trying to reach Capital One within the last 2 weeks to make some payment arrangements but, no return call as of yet. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30022 | Servicemember | Consent provided | Web | 2023-04-04 | Closed with explanation | Yes | null | 6,794,861 |
2019-01-26 | 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 | My identity has been compromised and the aftermath of this has left me with unauthorized activity involving my credit report. I recently disputed the activity and the credit agencies investigation came back verified. My question now is verified by whom, and when and how. What was the Method Of Verification. And in accordance with FCRA I'm requesting the details of the Method, or the following inquiries shall be removed immediately. The following inquiries are, 1 ) XXXX XXXX XXXX, ( XXXX ) ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX ( XXXX ) 10 ) XXXX ( XXXX ) 11 ) XXXX ( XXXX ) | null | EQUIFAX, INC. | MN | 55106 | null | Consent provided | Web | 2019-01-26 | Closed with non-monetary relief | Yes | null | 3,134,036 |
2022-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.
Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX PA. Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXX XXXX XXXX XXXX Amount {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXXXXXX XXXX XXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information.
Other than the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( A ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77802 | null | Consent provided | Web | 2022-10-19 | Closed with non-monetary relief | Yes | null | 6,097,690 |
2023-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Case Number : XXXX Please remove it from my credit report.
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.
4. there is some inaccurate information reporting.
XXXX XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78251 | null | Consent provided | Web | 2023-07-14 | Closed with non-monetary relief | Yes | null | 7,252,453 |
2022-03-04 | 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 | Experian has blatantly disregarded my dispute letter in regards to this alleged debt. I have sent multiple method of validation letters requesting how they verified this debt and irrefutable inaccuracies letters and to no avail the dispute was closed multiple time with no method of validation toward the validity of the debt.
The original balance being reported for XXXX XXXX is {$1500.00}, yet it's currently being reported as balance owed as {$1500.00}. Also, a collection account can't have a past due amount due.
I've sent numerous letter to Experian advising of said information and to no avail have they haven't acknowledged said inaccuracies or deleted said accounts to abide by the FCRA compliance. They just cant verify the accounts by telling me that it has been verified per FCRA 15 U.S.C 1681 ( a ) ( 4 ) when there are clear inaccuracies with supporting document providing such proof.
Also, how can two debt collection companies XXXX XXXX XXXX and XXXX XXXX attempting to collect on the same alleged debt of {$3700.00}.
Please see the attached recent method of validation letter sent, certified receipt 's of letter sent to Experian. More so, a screenshot from Experian.com of this account showing the inaccuracies. Also, the mail sent by XXXX and XXXX XXXX XXXX
This is clear violation of my civil rights and FCRA. Permanently delete said accounts asap for inaccurate furnished data to comply with FCRA guidelines | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33607 | Servicemember | Consent provided | Web | 2022-03-04 | Closed with explanation | Yes | null | 5,286,557 |
2017-06-10 | Debt collection | Private student loan debt | Attempts to collect debt not owed | Debt is not yours | In 2013 I considered taking a course at XXXX XXXX College online and was told the loan would be throu gh First Associates. I never took the course therefore I am not responsible for the loan ... .I spoke with First Associates and they stated that they had paid the school and I was responsible for the loan. A representative from First Associates called and wanted me to ver ify personal information as a victim of identity theft I did not feel comfortable doing so. The representative hung up and next thing I know the account was placed in collections. | Company disputes the facts presented in the complaint | First Associates Loan Servicing LLC | NC | 284XX | null | Consent provided | Web | 2017-06-10 | Closed with explanation | Yes | null | 2,550,620 |
2017-08-01 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | My income went down by $ XXXX in XX/XX/XXXX ( joint taxes filed with my wife ), and yet my student loan increased ( On Income Based Repayment, my loan payment increased from {$280.00} to {$530.00} - an increase of about 85 % more. They always ask for your Tax forms in XX/XX/XXXX ( instead of after XX/XX/XXXX, which would make more sense ), so since XX/XX/XXXX I have been calling them and trying to get them to explain this increase. The had me submit paycheck stubs, fill out paperwork 4 separate times ( one time an employee there filled out the paperwork " correctly '' and said all I had to do was sign it and mail it back in, but the next person said that paperwork was wrong ). I initially filed for the month deferment when I objected to the new payment amount, and they needed time to recalculate it. Now, after 5 months, no one is still explaining why my payment increased, but they say I am ineligible for another deferment because I already had one, so the choice is now pay the higher payment, or be penalized. The only nugget of information I got was that they calculate my Income Based Repayment based on the GROSS income ( so before taxes, social security, health insurance, etc. ). Every time I have called they state there is no supervisor that I can talk to. I 'm fed up with Nelnet. | null | Nelnet, Inc. | MI | 48101 | null | Consent provided | Web | 2017-08-01 | Closed with explanation | Yes | null | 2,591,353 |
2018-06-11 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Can't close your account | I paid off US Bank Polaris Visa in XX/XX/XXXX, I was told at the time that I had earned enough points on this card to get a {$120.00} rebate. The operator suggested that the card remain open in order to redeem the points. I did so. I waited a couple of weeks and no check was sent in mail. I called US Bank and asked again about status of redemption and was told again to keep card open for 6 months in order to get the {$120.00}. In XX/XX/XXXX they sent a letter referencing a gift certificate. In XX/XX/XXXX, I got a letter saying that the account was was past due.
Today, I was on the phone for an hour with customer service which tells me the card was used in XX/XX/XXXX with a charge of {$5.00} ( a gift certificate? ). And there is now an past amount due of {$26.00}. This card has not been used by me. I asked that they close out the account now and was sent to 4 different people with lots on hold time. Eventually, they transferred me to a survey asking how well they served me, and was then disconnected. I called back and spoke again to the collections section, saying to cancel this account. XXXX who has no telephone extension tells me the account will be cancelled in 24-48 hours, but gave me not confirmation #. I do not believe her and think US Bank Polaris Visa is a shady operation that will spin the fake {$5.00} into more and more money and mess with my credit rating in the process. Please Help | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 91001 | null | Consent provided | Web | 2018-06-11 | Closed with explanation | Yes | null | 2,932,492 |
2019-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have contacted the collection agency XXXX XXXX XXXX directly, as well as, XXXX, XXXX, and Transunion since XX/XX/2019 disputing the error that is being reported in the amount of $ XXXX.This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89031 | null | Consent provided | Web | 2019-12-09 | Closed with explanation | Yes | null | 3,462,571 |
2023-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account.
XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on Experian but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ).
XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all XXXX bureaus, high credit amount is reported differently.
XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all 3 bureaus are reporting different two year payment history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 785XX | null | Consent provided | Web | 2023-06-23 | Closed with explanation | Yes | null | 7,159,384 |
2020-12-03 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | Went to XXXX XXXX College now XXXX university issued student loans with XXXX XXXX XXXX it had been discussed that some one from XXXX XXXX XXXX employee gave them to an acquaintance of mine and they sold them to XXXX XXXX financial aid administrator XXXX XXXX guarantor said they weren't subsidizing the loans with the Department of education and XXXX said they never got a government guarantee. In 1990 I filed bankruptcy so at that time there was an issue if the student loans were federal debt or unsecured. I still owed according to XXXX XXXX. XXXX XXXX loans are being serviced by Navient. Reached out to their customer service it had been discussed those loans were private. I asked them for appropriate disclosure to this and they have not sent. On the promissory notes there is no address from the lender just a signature. | null | Navient Solutions, LLC. | IL | 60617 | null | Consent provided | Web | 2020-12-03 | Closed with explanation | Yes | null | 3,987,911 |
2022-10-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My account will be frozen all weekend without my XXXX due to Early warning services LLC I have no idea who this company is or what it is about but for them to not be available on weekends for anyone to rectify whatever the issue is RIDICULOUS. Now I have to sit the whole weekend without access to my account because of whatever is going on with this company! | null | Early Warning Services, LLC | NY | 11217 | Servicemember | Consent provided | Web | 2022-10-29 | Closed with explanation | Yes | null | 6,145,602 |
2017-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Due to XXXX XXXX keeping the ID thief 's address and name to themselves for 8 years on my husbands account, the ID thief 's address is now on my credit report. I did not know this until Experian sent me a copy of my excellent credit record. Perhaps this explains why fraudulent charges began occurring on my now CLOSED XXXX credit card. And they are appearing on my 1st Bank statements in which I have to get new cards issued. The USPS delivers mail under my husbands name and now most likely mine to the incorrect address in XXXX, California. I have never had anything sent to me. I did send a notification to the XXXX, California post master general on this date for my husband, but I will have to correct to include my name, also. XXXX XXXX denies any further fraud after their investigations. I will forward copies of all of it to CFPB. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 806XX | null | Consent provided | Web | 2017-12-06 | Closed with explanation | Yes | null | 2,747,686 |
2020-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | After contacting original creditor over 3 months ago I sent notification to Experian that account : : XXXX XXXX is considered as Unverifiable and inaccurate because original creditor has not responded to my validation request. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10467 | null | Consent provided | Web | 2020-03-19 | Closed with explanation | Yes | null | 3,573,098 |
2023-03-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The Credit Bureau never sent me the full procedures that were took to investigate the inaccurate accounts being reported on my credit profile such as the original contract, my wet ink signature agreeing to terms on contracts with credit and ectEquifax violated my right under the FCRA Equifax never sent me the full investigation that they took to validate that accounts I demand that Equifax Removed the 2 inaccurate accounts off of my credit report immediately the two accounts below are being reported inaccurate and doesnt belong to me and is being reported inaccurately on my credit report please remove immediately. Thanks Inaccurate Accounts : XXXX XXXX XXXX Account number XXXX, has violated my rights.
15 U.S. Code 1681i ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | null | EQUIFAX, INC. | FL | 33056 | Servicemember | Consent provided | Web | 2023-03-13 | Closed with explanation | Yes | null | 6,686,054 |
2022-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hello, I am aware that I have rights protected under the Fair Credit Reporting Act ( FCRA ) and I believe it is imperative that I share this information with you.
I have discovered a very easy, clear, and concise violation on one my collection accounts.
On my credit report, I see that the " Date Opened '' for this collection shows as " XX/XX/XXXX ''. I will be attaching the section in my credit report which clearly shows the dates highlighted for you to see erroneously input by this collection agency.
I will also be attaching letters sent to me by this same collection agency way back in XXXX! This account has been open for at least 5 years ( not since XXXX as they've claimed ). They are lying on the credit report and this is a clear violation.
I respectfully demand that the following account be removed from my credit report because of their lies and inaccuracies on my credit report : Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Thank you for your time. | null | EQUIFAX, INC. | FL | 33021 | null | Consent provided | Web | 2022-12-04 | Closed with explanation | Yes | null | 6,277,259 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'VE DISPUTED THIS INFORMATION MULTIPLETIMES AND NOTIFIED YOUR COMPANY THAT I AM A VICTIM OF IDENTITY THEFT AND THIS INFORMATION IS IN RESULT OF THAT, XXXX XXXX # XXXX AND XXXX # XXXX. YOUR COMPANY IS IN VIOLATION OF 15 U.S.CODE 1681C-2. A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE CONSUMER FILE THAT THE CONSUMER IDENTIFIES THE INFORMATION AS RESULT FROM ALLEGED IDENTITY THEFT. IT HAS XXXX MORE THAN 30 DAYS AND THIS INFORMATION REMAINS UNCHANGED. THESE ACCOUNTS SHOULD NOT BE REPORTED ON MY CONSUMER REPORT AS THEY'RE A DIRECT 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 WHO IT RELATES. I HAVE NEVER GAVE ANY CONSENT TO REPORT ANY INFORMATION ON MY CONSUMER REPORT WHICH VIOLATES MY RIGHTS AS A FEDERAL PROTECTED CONSUMER. NO CONSENT IS IDENTITY THEFT. NOT ONLY DID YOUR COMPANY REPORT INFORMATION BUT YOU'VE REPORTED INACCURATELY, UNTRUE, AND INCORRECTLY. IN ACCORDANCE TO 15 U.S.CODE 1681E ( B ) - WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT, IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE CONSUMER WHO THE REPORT RELATES. IT IS APPARENT THAT THE COMPANY HAVE FAILED TO PROPERLY VERIFY THE INFORMATION THAT I'VE PREVIOUSLY DISPUTED. | null | EQUIFAX, INC. | PA | 19139 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,931,502 |
2022-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Dear CFPB, My loan with SLS is incorrectly showing status and all my payment information is not there. As per new credit report, it is showing the last payment was XX/XX/XXXX ( XX/XX/XXXX ), when I am paying every month and it not showing that. Also, it is not reporting any of my trial payment that I made before. It is also incorrectly showing 120 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & prior months.
I have sent letter to this company with " goodwill deletion request '' and so far has not been granted. Prior XX/XX/XXXX, I was not responsible for these payments due to XXXX settlement and I even presented that stipulation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Specialized Loan Servicing Holdings LLC | NY | 11432 | Servicemember | Consent provided | Web | 2022-02-01 | Closed with explanation | Yes | null | 5,174,722 |
2020-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Auto loan paid in full since XX/XX/XXXX XXXX.XXXX XXXX XXXX still had not updated any credit reporting bureau.when I disputed the information, they still failed to report accurate updated status.prevented me from obtaining a new vehicle at a low rate | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30349 | Servicemember | Consent provided | Web | 2020-09-01 | Closed with explanation | Yes | null | 3,826,089 |
2023-08-31 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. | null | Experian Information Solutions Inc. | GA | 31406 | null | Consent provided | Web | 2023-08-31 | In progress | Yes | null | 7,478,400 |
2020-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently applied for a furnisher account and got denied. I dont understand why I would be because i typical get approved for everything i apply for so, I checked my credit report so that maybe i would get a better understanding. after doing so I notice some items on my report are not mine. Im unsure of how this has happened. I need these items deleted from my credit report. XXXX XXXX {$730.00} XXXX XXXX XXXX {$25000.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$460.00} XXXX XXXX XXXX {$940.00} XXXX XXXX {$2100.00} XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$15.00} XXXX XXXX XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX {$1100.00} DPT ED XXXX XXXX {$4500.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33604 | null | Consent provided | Web | 2020-05-21 | Closed with explanation | Yes | null | 3,662,270 |
2022-09-26 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I had a company contact me stated I owe them debt, however I never got any written or noticed from there stated this is 100 % accuracy.
Also I was paying my debt to a company by the name of XXXX XXXX which did state they had my information from the company they was collecting from which is XXXX XXXX.
However I was about 35 + days late on my payment agreement I had with XXXX XXXX. So what happened supposedly is they sold my information to another company which is called Global Solution Biz LLC Now I sent them a Debt Validation Letter confirming this information is accurate, Now during this process I made sure it was certified mail, so I can have a tracking stamp as to when they received it. The date they received my letter was on XX/XX/XXXX Friday at XXXX tracking number is here : XXXX with USPS Well I know during this process 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.
However they are still contacting me today harassing tell me they are going to send out a quick track enforcement team to my home address and business and freeze my attached bank accounts and call my car loan bank which has my car loan. They failed to provide information as requested, They are threating me about freezing other accounts, they are validated laws with commutation tactics. They even fail say on the phone " they are a debt collector & attempt to collect my debt '' Please help me as I filed a XXXX and send this information to my general Attorney office The companies information is here : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | GLOBAL SOLUTION BIZ LLC. | IL | 600XX | null | Consent provided | Web | 2022-09-26 | Closed with explanation | No | null | 6,021,458 |
2023-08-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | GA | 304XX | null | Consent provided | Web | 2023-08-12 | Closed with non-monetary relief | Yes | null | 7,390,175 |
2016-10-31 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | This debt has been resolved XXXX continues to harass me through debt collectors this is the third time I had to have to request to have it removed from my credit reporting agencies. Please if you can help and stop them from doing this XXXX is enough to deal with I should n't have to deal with this at all I think you for your time and I look forward to hearing from you soon.
Sincerely, XXXX | null | CL Holdings LLC | MD | 20735 | null | Consent provided | Web | 2016-11-14 | Closed with non-monetary relief | Yes | No | 2,187,581 |
2017-06-22 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | MCOT debt collecting agency XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel XXXX XXXX ] XXXX XXXX, Attorney XXXX XXXX XXXX, Violating FDCPA, [ Fair Debt Collection Practices Act ] A Scavenger Debt Collector, illegally buying up old debt, Out Of Statue, and collecting over and over again, .I was first garnished for a hospital bill from XXXX, In XXXX they took, {$2900.00} from my paycheck and then stopped the garnishment before it was paid in full, This left me thinking it was paid, so they could come back 11 years later to add all these bogus charges, Interrest {$1300.00}, Judgement costs {$50.00}, Attorney fees {$200.00} and then another bogus {$660.00} for garnishment Costs and do this over and over to the citizens, Way out of the 6year Statue Of Limitations, It is an illegal act and can be sued in Federal Court for " MaliciousProsecution, '' Which im in the process of doing, Also turn in the attorney to the Tenn State Barr Association , Attorney General complaint, In XXXX and XXXX. We have a law which protects us from being sued out of the STATUE OF LIMITATIONS.In this case, XXXX bill being garnishe for the second time in XXXX! | null | Wellmont Health System | VA | 243XX | null | Consent provided | Web | 2017-06-22 | Closed with explanation | Yes | null | 2,556,570 |
2022-01-31 | Credit card or prepaid card | General-purpose credit card or charge card | Incorrect information on your report | Account information incorrect | This CAPITAL ONE XXXX account is reporting derogatory information as reported in my Credit Bureaus. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided.
CAPITAL ONE XXXX | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 11219 | null | Consent provided | Web | 2022-01-31 | Closed with explanation | Yes | null | 5,166,544 |
2021-05-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Since XX/XX/2021 I paid my Synchrony XXXX XXXX payment card in full. The balance was {$3700.00}. Both XXXX and XXXX show the account closed by consumer, and paid in full which is correct.
XXXX however, still shows {$3700.00} - I have contacted Synchrony Bank AND XXXX to have the account information brought current. I asked Synchrony Bank today to send a record update over to XXXX, whereby the customer service representative stated it will take 30 days to have this processed. He was very courteous but I explained I can't wait 30 more days.
I have already waited 40 days, to add another 30 days, makes it 70 days or almost three months, which is a quarter of a year.
The issue is, I am refinancing my property, this balance of {$3700.00} / {$7200.00} credit line can be considered high utilization, and a negative factor in my FICO score calculation. Even if it is a closed account, the credit reporting agencies add the credit line to my total credit lines available and use it to calculate the debt ratio of all balances of all accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | XXXXX | Older American | Consent provided | Web | 2021-05-28 | Closed with explanation | Yes | null | 4,413,791 |
2023-09-04 | Credit reporting or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Problem canceling credit monitoring or identify theft protection service | Potential fraud n identity theft from university, while using these loans n me never being enrolled, but the XXXX semester of XXXX, and Thats all. Wow. Pls look. | null | Maximus Education, LLC dba Aidvantage | GA | 31909 | null | Consent provided | Web | 2023-09-04 | Closed with explanation | Yes | null | 7,499,282 |
2022-11-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 219XX | null | Consent provided | Web | 2022-11-29 | Closed with explanation | Yes | null | 6,250,712 |
2023-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2023 I requested Discovery to send validate that competent evidence bearing my signature showing that I have some contractually obligation to pay. In response of my request, Discovery send a statement which is not evidence of a signature for a agreement. Therefore, I sent another letter on XX/XX/2023. Requesting a signature. | null | DISCOVER BANK | TX | 77040 | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,984,484 |
2021-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Collection agency [? ] Convergent Outsourcing Original balance [? ] {$280.00} Date assigned [? ] XX/XX/2020 Original lender [? ] XXXX Account number [? ] XXXX Account holder [? ] Individual debt was paid and company refused to take it out of collections | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | MS | 39213 | Servicemember | Consent provided | Web | 2021-09-08 | Closed with explanation | Yes | null | 4,703,296 |