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customers-complaints-test

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2020-12-04

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

I am unsatisfied with their investigation results because I have not been provided with any documentation ( ex : signed contract, itemized bill ) and I honestly do not recognize the company name or ever having an account with them. I need this account on my profile flag as disputed fraudulent. XXXX didnt even include a comment at the end of their investigation that mentions that I am disputing that this account does not belong to me and the agency should be required to provide the documentation they used to determine the validity of of the account during their investigations. Also the agency should not be allow to retaliate against the customer for submitting a request for an investigation. I submitted a dispute with XXXX around XX/XX/XXXX because there is an account from 2016 I do not recognized ( RE : JPMCB ). There is no information on my profile as to who this company is. Did they provide XXXX with a signed contract and an itemized bill? I have never received an itemized bill from this unknown company or any sort of documentation or letters from this company. I do not even know what the letters of the company stand for. XXXX investigations often do not check for proper documentation. When an investigation is completed, it should be required that they should be providing the customer a copy of the documents that were provided as part of their investigation. The second complaint is the idea that XXXX seems to retaliate when a complaint is submitted. I submitted a complaint because I do not recognize the company on file. They completed the investigation and my score went down XXXX points. This sounds like a practice to discourage people from submitting a request for an investigation. This should not be allow.

JPMORGAN CHASE & CO.

NJ

08879

Consent provided

Web

2020-12-04

Closed with explanation

Yes

2016-10-17

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

Cach llc is headquartered in XXXX, XXXX Cach llc has failed to verify the {$100000.00} debt they are reporting on my credit report. I have disputed/requested them and the credit bureaus for appropriate verification. I still have the document i 've sent to the credit bureaus about this debt enforcing the laws. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' And on my behalf, i have never had any contract or agreement to do any business with Cach llc, they are reporting illegally and i 'm furthering action in route to filing a lawsuit against them as they have not issued a removal of this debt from all XXXX of the credit bureaus. My complaint can be deemed satisfactory when in writing, the reported debt is recognized in error on the collection agency behalf, mailed to me and all XXXX of the credit bureaus, as it is currently reported illegally.

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

SQUARETWO FINANCIAL CORPORATION

CA

92592

Consent provided

Web

2016-10-17

Closed with explanation

Yes

No

2019-04-08

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT MIDLAND FUND XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND FUND XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX LOOKOUT XXXX XXXX XXXX XXXX, XXXX XXXX

ENCORE CAPITAL GROUP INC.

NC

286XX

Consent provided

Web

2019-04-08

Closed with explanation

Yes

2020-06-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

AR

72223

Consent provided

Web

2020-06-15

Closed with explanation

Yes

2021-02-25

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

Credit reporting

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

Their investigation did not fix an error on your report

On approximately XX/XX/2017 I went to XXXX XXXX store at the mall to purchase a men 's suit and the cashier hard-sold me into opening a XXXX XXXX credit card by offering me like 30 % -40 % off the purchase and making all sorts of promises about how foolish it was to not open a card. I've spent cash ( or debit card ) most of my life when shopping, so I wasn't easy to convince to open a credit card now, but he persisted. The associate also said that the bill would be automatically drafted from my debit card, so it was a no-brainer here to sign up for the card and get the discount. I was sold that my life wouldn't change as a result of using this card that day compared to the using cash/debit, so I finally agreed and signed up, and spent approximately {$300.00} ( after the big discount ). After I discover that the purchase was never auto-drafted/paid from my debit/bank, I immediately called XXXX XXXX and paid it off and explained that their auto draft didn't work. The associate could care less about fixing anything that day. Then, After I discovered that my credit report was negatively impacted with a " 30-day late payment derogatory remark '', I call XXXX XXXX and ask them to remove that derogatory remark, and I again explained what happened with their failing auto-draft system. Which, its possible that the retail associate lied to me about the auto-draft from my debit account, so I really have no idea who at XXXX XXXX is at fault, ( the system, or the high-pressure salesman at the XXXX store ) but regardless, XXXX XXXX refused to remove the harmful remark on my credit reports, even though I paid it off immediately upon discovery and explained the situation. Over the next several months/year I would follow up with XXXX XXXX and the process was the same. They would pretend to submit a request to remove the harmful remark, and someone would deny it at XXXX XXXX. I naturally quit using the XXXX 's card because to that point, it had only been a bad experience that they refused to help fix so I could use the card again. THEN, in retaliation, XXXX closes the card altogether, which puts YET ANOTHER ding on my credit score and credit profile by reducing the age of my credit profile. WITHOUT NOTICE, XXXX closes my card and claims it is due to inactivity. All other creditors give you NOTICE of inactivity that may lead to an account being closed, because it NEGATIVELY impacts your credit profile and credit score when you close an account. CREDIT AGE matters. This derogatory late payment, and the closed account, has then gone on to cause me higher interest rates and denials during covid-19 when my XXXX/life needs the clean credit profile and score. It has been a major problem. 1. Negatively effecting my credit due to a failed system or misleading company practices. 2. Negatively effecting my credit due to closing my account WITHOUT NOTICE. With proper notice before you continue to ruin people 's lives ( their credit ), I could have made a purchase on the card and kept my account open for credit profile purposes, and then I would only be fighting one problem of malpractice and unfair credit reporting practices.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

902XX

Consent provided

Web

2021-02-25

Closed with explanation

Yes

2022-04-08

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions. This company XXXX has been known in the past to report wrong information as well as take advantage of consumers buying cars through them.

EQUIFAX, INC.

CA

92571

Consent provided

Web

2022-04-08

Closed with explanation

Yes

2021-08-13

Debt collection

I do not know

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal. NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information

National Credit Systems,Inc.

TX

77090

Consent provided

Web

2021-08-13

Closed with explanation

Yes

2023-01-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.

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

Experian Information Solutions Inc.

IN

46260

Consent provided

Web

2023-01-10

Closed with non-monetary relief

Yes

2022-04-24

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

Was sent a a letter asking for XXXX for a membership I never had. Was told to call and resolve this issue but found out from XXXX website it was a scam company who uses information to collect money or steal your identity. It is call Apple Recovery Service XXXX XXXX XXXX XXXX XXXX IL, XXXX ( XXXX ) XXXX Has a XXXX logo on the bottom of page Claims my is number is XXXX for XXXXXXXX XXXX XXXXXXXX

APPLE RECOVERY SERVICES CORP

CA

91750

Consent provided

Web

2022-04-24

Closed with explanation

Yes

2021-12-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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

Experian Information Solutions Inc.

NC

XXXXX

Consent provided

Web

2021-12-16

Closed with non-monetary relief

Yes

2023-06-04

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX is not reporting to credit bureau in a timely manner or reporting and then changing it back I suspect to keep customers at a higher interest rate I have paid at least half of my card off and its been almost 60 days and it has not been reported to the credit bureaus on Experian it was reported and then changed back bringing my score down

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

Experian Information Solutions Inc.

FL

32714

Consent provided

Web

2023-06-04

Closed with explanation

Yes

2020-09-09

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

I have been a customer of Synchrony Bank since my first Belk card in XXXX. Since then, I have maintained several Synchrony Bank cards ( Amazon, PayPal, Lowe 's, Belk, TJMaxx, Dick 's Sporting Goods, JC Penney, Old Navy, XXXX XXXX, Sams & XXXX XXXX XXXX ( XXXX ) with payments always over the minimum requirement with sometimes two payments per month. I went to make a small purchase at XXXX on Saturday, XX/XX/XXXX & was surprisingly declined & found out from the store clerk that the account had been closed. We also were making a small purchase at Lowe 's & was also declined. Lowe 's looked up my account on another register & discovered the account had been closed. After I became concerned, I called Synchrony/XXXX first & they told me the account had been closed on XX/XX/XXXX. I received two letters today -- one regarding my JC Penney account ( attached ) & a letter ( attached ) regarding my Synchrony / Conn 's account ( with a {$7000.00} limit ) which has been paid off since XXXX. Synchrony / Conn 's stated that they closed my account due to non-use. Not only has this caused a severe inconvenience, but it has also seriously impacted by credit score. This past XX/XX/XXXX, we made large payments to some of these accounts to ensure the balances were lowered. I have worked very hard to establish my credit & feel my credit on these accounts should be reinstated. These cards have not been abused in any way, some with little or XXXX balance.

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

SYNCHRONY FINANCIAL

GA

30152

Consent provided

Web

2020-09-09

Closed with explanation

Yes

2022-09-04

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

Credit reporting

Credit monitoring or identity theft protection services

Problem canceling credit monitoring or identify theft protection service

XXXX XXXX did a identify theft report on me cause someone at the bank was using my name and social security number to open and close bank accounts

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

Experian Information Solutions Inc.

GA

30012

Consent provided

Web

2022-09-04

Closed with explanation

Yes

2023-08-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

InXX/XX/2023, I became aware of a credit reporting agency called Early Warnings Services, that was monitoring my bank transactions. I never verbally consented to the use of this information. Per 15 U.S. Code 6801 ( a ) Privacy obligation policy ; It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX financial institutions that have not honored this obligation by releasing transaction history to XXXX XXXXXXXX XXXX XXXX According to 15 U.S. Code 6802 ( a ) Notice requirements ; Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. None of these companies informed me of my right to exercise the option for nondisclosure. In accordance with 15 U.S. Code 1681C ( a ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account information shared with Early Warning Services is an adverse item that is being reported without my permission. This constitutes a violation of the law. In Accordance with 15 U.S. Code 1681n - Civil liability for willful noncompliance ; In general, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. In accordance with 12CFR 1016.7 ( h ) A consumer may exercise the right to opt out at any time. I am now opting out of reporting services from Early Warning Services. I am now opting out of any reporting services from XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX

Early Warning Services, LLC

MO

64083

Servicemember

Consent provided

Web

2023-08-11

Closed with explanation

Yes

2022-09-23

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Need information about your loan balance or loan terms

Hello, I called my student loan servicer, EdFinancial, on XX/XX/22 requesting a refund of {$10000.00} that I had paid during the COVID-19 pandemic. The customer service representative processed the refund request, but said that she could not provide me with any sort of receipt to prove I called and requested the refund. She also was unable to give me any sort of timeline of when to expect the funds to appear in my bank account, or when to expect the {$10000.00} to reappear on my loan balance.

EdFinancial Services

MD

20902

Consent provided

Web

2022-09-23

Closed with explanation

Yes

2021-02-22

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XX/XX/2020. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report.

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

Westlake Services, LLC

MA

02125

Consent provided

Web

2021-02-22

Closed with explanation

Yes

2017-10-20

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.

Company believes it acted appropriately as authorized by contract or law

Penn Credit Corporation

IL

60618

Consent provided

Web

2017-10-20

Closed with explanation

Yes

2017-10-03

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

on X/XX/17 I made a purchase online from XXXX for school clothes for my son which consisted of sweatshirts and athletic pants. I received the original order and was missing items. I contacted XXXX to report the missing items. I was told via ( online chat session ) that I would be refunded for the missing items. The items that I received did not fit my son ; therefore I sent them back via the prepaid return label that they sent me. I have contacted XXXX several times via phone and chat session and am told every time that " they will investigate ''. That is when I asked my credit card company CITI to help. I received a letter from them ( attached ) that they are unable to assist. I contacted XXXX again today with the same response after chatting with them for over 1/2 hour " they would look into it ''. I was charged {$220.00} for this merchandise, did not receive items and then returned the items that I received. I think it is very unfair that I should have to pay for items that I do not have. I am a single mom ; and this is very rough.

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

CITIBANK, N.A.

CT

06790

Consent provided

Web

2017-10-03

Closed with explanation

Yes

2023-08-10

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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2023. Its been well over 30 days, I still havent received anything back. According to 15 USC 1681i ( a ) ( 1 ) A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. This a violation of my rights.

EQUIFAX, INC.

FL

32955

Consent provided

Web

2023-08-10

Closed with explanation

Yes

2018-12-01

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

CapitalOne offers disbursement of cash back rewards in the form of mailed checks. I have twice requested, and never received, a cash back reward check from them, although I have waited the 2-3 weeks they say it will take the check to arrive each time. On XX/XX/18 I requested the first check. I never received it, so on XX/XX/18, I asked that the check be canceled. On XX/XX/18, I requested a second check. I have not received that check either.

CAPITAL ONE FINANCIAL CORPORATION

NC

28226

Consent provided

Web

2018-12-01

Closed with monetary relief

Yes

2017-08-29

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

Good afternoon, I got business loan from Bank of America 5 years ago. My financial situation changed ( got divorced ) and was trying to re-negotiate my interest rate and loan term. Bank refused to do that for 3 years now. Only put me on Forbearance.and makes my debt even worst. It is not possible to work with somebody there because they all the time changing representative. Now they threatening me to sue me instead to come to right solution. I do not want to file for bankruptcy, I love my profession and I would like to continue helping my patients. Bank does not understand that dealing with XXXX insurances is killing our profession. Please help! Thank you. Sincerely

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NY

11746

Older American

Consent provided

Web

2017-08-29

Closed with explanation

Yes

2022-10-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XX/XX/2022.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30134

Consent provided

Web

2022-10-26

Closed with non-monetary relief

Yes

2023-01-27

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

Credit reporting

Incorrect information on your report

Account status incorrect

enhanced recovery is reporting a wrong date. They reaged the original account. They do not own the debt. They are reporting late payments. No payment arrangements were ever made. No letter of noticed. They only reported on report before notifying me by mail before hand. I've never given them permission to access my personal information. They are not in any rights to obtain my information. I want the report removed from my credit report.

ERC

LA

70360

Consent provided

Web

2023-01-27

Closed with explanation

Yes

2023-02-04

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

XX/XX/XXXX. {$55.00} to XXXX XXXX XXXX, Ohio. I am currently living in a hotel where I pay $ XXXX. For this week, the hotel overcharged me {$55.00}. I made XXXX payments. XXXX for {$160.00}, ( XX/XX/XXXX ), and the other for {$180.00}, ( XX/XX/XXXX ), totaling my $ XXXX total. I was then charged an additional {$55.00}. I spoke with the hotel about this, and there was a new manager who did not understand the weekly rate that I was receiving. They refused to refund the charge. I disputed the charge with CashApp, and they denied the claim, despite approving another claim for the same issue in the amount of {$10.00} from XX/XX/XXXX. I did try attaching photos of the charges and the dispute, but the website keeps freezing and I can not attach them.

Block, Inc.

OH

45322

Consent provided

Web

2023-02-04

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2023-08-28

Closed with non-monetary relief

Yes

2020-03-18

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

Credit reporting

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

Their investigation did not fix an error on your report

Given the remnants of the financial crisis as it affected the housing market, I fell behind on mortgage payments on a property that I own. The property was purchased in XXXX and we moved out in XXXX. Prior to moving, the property was listed for sale but with no offers it was converted to a rental. As we were unable to sell the property we rented it. In XX/XX/XXXX our renters gave notice that they wouldnt renew the lease. The house was vacant and put on the market again for sale. I carried the mortgage payments on this property as well as my primary residence both with mortgages from Wells Fargo. While I fell behind on payments on the rental property mortgage I was not 30 days late. I finally got Wells Fargo to agree to a payment arrangement after several unsuccessful tries. By the arrangement I agreed to pay the past due amount over 3 months in addition to the regular monthly mortgage payments. It was my expectation that Wells Fargo would not report late payments during this period. Just to be clear, when I entered agreement I was not 30 days late and had never been. The arrangement actually created the 30 day lates that were reported by Wells Fargo in XXXX and XX/XX/XXXX. Had I known that this would have harmed my credit I would have taken a loan for the past due money instead of basically accepting an agreement that hurt my credit. Wells Fargo claims they indicated theyd report me as late. I dont recall this and again would not have entered into this agreement if the terms of the reporting were indeed actually clear. Also, my spouse is on this mortgage and Wells Fargo never got a spousal agreement as to this arrangement which has hurt both of our credits.

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

WELLS FARGO & COMPANY

NJ

078XX

Consent provided

Web

2020-03-18

Closed with explanation

Yes

2019-07-29

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

XXXX XXXX for rent hired a collection agency, Hunter Warfield to collect a debt I do not owe. I disputed the debt by certified letterXX/XX/2019, and they never sent me the proof of the debt. They just reported me to the credit reporting agencies without sending me proof of the invalid debt.

HW Holding, Inc

WA

98075

Consent provided

Web

2019-07-29

Closed with non-monetary relief

Yes

2022-10-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have unknown accounts being reported on my credit report. I am needing the unknown accounts to be removed from my credit file immediately.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76105

Consent provided

Web

2022-10-24

Closed with non-monetary relief

Yes

2021-06-05

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

I paid a debt with the Law Office of Brett M Borland on XX/XX/2021. They were collecting on behalf of XXXX XXXX XXXX. Original creditor was : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX the amount paid was {$1500.00}. They refuse to either report the debt as paid in full

Law Office of Brett M. Borland, P.C.

SC

29708

Consent provided

Web

2021-07-07

Closed with explanation

Yes

2018-11-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

I sent a certified letter on XX/XX/2018 to Clark County Collections for verification of this debt that is on my credit report. It has been over 30 days and I have received ZERO communications back from this company. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this account within 30 days of my written request. Since this account was not verified or validated to be mine I would like this account to be deleted and removed from my credit report.

Clark County Collection Service

UT

84040

Servicemember

Consent provided

Web

2018-11-27

Closed with explanation

Yes

2022-10-09

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with fees charged

On the XXXX XXXX XXXX XXXXXX/XX/XXXX, I XXXX XXXX signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to purchase XXXX XXXX XXXX XXXXXXXX XXXX XXXX vehicle identification No. XXXX under customer Account XXXX XXXX, at the finance amount of {$24000.00}, finance charge of {$15000.00}, XXXX of XXXX, total sale price of {$42000.00} and a down payment of {$3000.00} for 72 months. My monthly payment was XXXX as a result. For the last four months I have been trying to get answers, going back and forth with Chrysler Capital and XXXX XXXX XXXX XXXX, since finding out that per 15 U.S. Code 1605 a finance charge is a sum of all charges and cash is not a part of a finance charge ( 15 U.S 1679a ) which constitute fraud on their part. The {$3000.00} dollar down payment should have gone to the finance charge but however, was kept by the dealership which I verified with Chrysler Capital. I also found out that I had a Right Of Rescission which which I wasn't given disclosure of. I have been learning about credit since I am not really from this country and went to check my report only to find over 15 enquiries done through XXXX XXXX XXXX which I did not expect to be so many, had no idea that they shop it around like that, and would not have authorized. This has affected me negatively since I have since tried to apply for apartments and funding and have been denied. List of enquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Of the above list of hard enquiries the only valid one is Chrysler Capital who extended me the credit . However the bureaus have refused to remove them from my report. I called Chrysler Capital to put in a dispute several times, was transferred to the executive office where I spoke to an employee by the name of XXXX XXXX ID # XXXX who refuse to give me a full disclosure of the account ledger for my records after getting no where with my complain about XXXX XXXX XXXX XXXX. I also asked to get a copy of a document with Chrysler Capital showing Permissible Purpose I gave them, the authority to report to my credit file which Violates the Privacy Act. XXXX XXXX basically told me no and threatened me that my vehicle would be repossessed, and asking me if I can afford a lawyer ( which I took as a threat ) which I am pretty sure is also another violation of my rights. I then preceded to send a " Right Of Rescission Notice '' to both XXXX XXXX and my sales person at the dealership ( XXXX XXXX ) on XX/XX/XXXX out of frustration. I got no response from either parties. The Dealer number of my Vehicle Buyer 's Order is XXXX, customer # 131270 Month XXXX ( XXXX ) I am again calling Chrysler Capital. I spoke to a XXXX ID # XXXX, in the executive office again, who said he escalated my complain for a " courtesy correction '' to the dealership escalation department however, I did not get any next steps after being asked what evidence I have I was violated. I said a contract and billing error stating everything I stated above. Again I was pretty much dismissed and even still, they are reporting and ruining my credit while I have an open billing error dispute which constitute racketeering. Other violations I have in the XXXX is a clause that says " You, the buyer ( and Co-buyer if any ) may buy the vehicle below for cash or on credit. By signing this contract, you choose to buy the vehicle on credit under this agreement. it says " cash or on credit '' not " cash and credit ''. further it says " you choose to buy this vehicle on credit '' so any cash charge is a violation of what a finance charge/credit is. I believe this renders the contract null and void and the arbitration clause contained within won't hold in court. I was led to believe that I had to put {$3000.00} dollars down which is not the case in a consumer credit transaction according to my comprehension. Furthermore, I tried again with the XXXX XXXX employee XXXX ID # XXXX to request full disclosure of the accounting ledger since the origination of my account, Proof Of Title, a copy of the security instrument showing my interest in the transaction and was told by XXXX, just as I was by XXXX XXXX ID # XXXX that this is not something Chrysler Capital provides to customers. I wanted those documents for my records and a copy of whatever authority I gave them to report to my credit profile which they told me they don't have. Full disclosure refers to the general need in business transactions for both parties to tell the whole truth about any material issue per the SEC and Federal Statutes. I have therefore canceled my signature per 15 USC 1635 for failure of material disclosure, conspiracy to defraud ( Between Chrysler Capital and XXXX XXXX XXXX XXXX )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( I chose to share this with consumerfinance.gov so I will not share the contract here unless I get some feedback about their email disclaimer saying that whatever information shared with me is private and should not be shared ). Thank you

SANTANDER HOLDINGS USA, INC.

NC

27529

Consent provided

Web

2022-10-09

Closed with explanation

Yes

2022-12-19

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

Credit reporting

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

Investigation took more than 30 days

On ( XXXX ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those 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 data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

CO

80013

Consent provided

Web

2022-12-19

Closed with explanation

Yes

2021-05-29

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

This complaint is being filed under the XXXX XXXX XXXX 's Office case number XXXX, as an attachment to a Class Action lawsuit, case number XXXX that was filed on XX/XX/XXXX, and that this complaint is a secondary Class Action lawsuit within the same information as described under the case number XXXX. This complaint is solely being filed under XXXX XXXX XXXX, as to " The Computer Fraud and Abuse Act '' that outlaws conduct that victimizes computer systems, that pertains to a Cyber Security Law. The HB 969 has failed consumers within this Class Action due to ongoing impropriety, a failure to observe standards ( that still have not been corrected ) after the HB 969 was signed into law. This complaint comes after I applied for a XXXX XXXX Debit Card with cashback features, known as a debit checking account from the IRS website of potential debit cards to receive a tax refund, a stimulus deposit, from a list of banks on the IRS website. I was " unable to be approved for my request to open a cashback debit account with XXXX XXXX from the IRS website list due to a XXXX XXXX, Inc issue. The information I received online was the following, 1 ) the XXXX XXXX Score was " not available '', 2 ) the XXXX XXXX Score Date was " not available ''. I, then requested a copy of my XXXX XXXX Consumer Report and found the same information under the Class Action Case XXXX that also applies upon myself. That on XX/XX/XXXX, XXXX applied for the XXXX XXXX Debit Cashback Card on the IRS website, that the following is deemed punitive, defamation of my character to provide incorrect, deceptive business practices upon my name, my social security number from the inquirer " XXXX XXXX '', on behalf of " XXXX XXXX XXXX '' at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX. Then on inquiry date of XX/XX/XXXX where the last XXXX of my driver 's license is shown, from address of P.O Box XXXX, XXXX, Florida XXXX, from " XXXX XXXX '' at P.O Box XXXX, XXXX, Florida XXXX, on behalf of " Integra/Greenline at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX I have never heard of this business, or any of its affiliates. On the same day XX/XX/XXXX from my previous mailbox of P.O Box XXXX, XXXX, Florida XXXX, along with the last four of my driver 's license and social security number for illegal verification from " Clarity Services '', a third party company that denies consumers with limited credit history from one of the credit bureaus named Experian. This was on behalf of XXXX XXXX XXXX, a company I have never heard of, nor any of their affiliates from Experian. The address to XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX, Il XXXX. Furthermore, a date of XX/XX/XXXX from address of XXXX XXXX XXXX, XXXX, Florida XXXX, along with the last XXXX of my social security number, last four of my driver 's license, but does not provide " on behalf of ''. This is a set example of " deceptive business practices '' upon the third party agency from Experian .I am seeking punitive damages and am adding this complaint to Case Number XXXX for the similar reasons mentioned in the Class Action Lawsuit, as to A ) Invasion of Personal Private " pull '' of my credit report " without my authorization '', B ) that Experian 's third party agency/company defines " deceptive business practices '' even after the HB 969 was signed into law, a ongoing federal violation under 18 U.S.C 1030, " the conduct that victimizes consumers over the computer, as a violation of the " Cyber Security Law ''. Lastly, XXXX XXXX has a Consumer Id number for myself as XXXX, and that my Social Security number will be hidden due to " privacy concerns '' upon my laptop. This complaint will also be filed upon with a DOJ case number of XXXX. Sincerely, 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.

FL

32725

Consent provided

Web

2021-05-29

Closed with explanation

Yes

2022-10-15

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

This company continues to report inaccurate information on my credit report and I have contacted them several times to remove the inconsistencies. Please review uploaded documentation a response from the creditor and remove ASAP.

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

Experian Information Solutions Inc.

TX

77493

Servicemember

Consent provided

Web

2022-10-16

Closed with explanation

Yes

2020-04-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. XXXX XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX {$2100.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NH

03060

Consent provided

Web

2020-04-23

Closed with explanation

Yes

2018-10-29

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

Credit reporting

Incorrect information on your report

Account status incorrect

Im a victim of identity thief someone got my information and used my credit cards and buy lots of stuff when I found out I called the company XXXX and XXXX to report the activity and I was still paying my bills until they closed the account and still wanted me to pay for something I didnt use

EQUIFAX, INC.

NY

11434

Consent provided

Web

2018-10-29

Closed with explanation

Yes

2020-06-26

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

Credit reporting

Incorrect information on your report

Account status incorrect

Equifax is incorrectly reporting that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

EQUIFAX, INC.

OH

454XX

Consent provided

Web

2020-06-26

Closed with explanation

Yes

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

Investigation took more than 30 days

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.

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

Experian Information Solutions Inc.

MO

64131

Consent provided

Web

2023-08-03

Closed with non-monetary relief

Yes

2022-03-24

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

Card company isn't resolving a dispute about a purchase or transfer

The state of New Jersey issued me a card from Bank of America for my temporary XXXX payments. The local branch has a known broken cash advance system and refuses to do anything about it. My bank branches often cant get through to the cash advance system to access my money. I can not pay my mortgage with a bank card or my other bills for that matter. If Bank of America cant support the nj XXXX payments they should t be handling it. Peoples live or severely and negatively impacted by their lack of care and lack of ability to support their own system. Bank of America on XXXX XXXX in XXXX New Jersey should be shut down!

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NJ

070XX

Consent provided

Web

2022-03-24

Closed with explanation

Yes

2023-01-25

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

Credit reporting

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

Investigation took more than 30 days

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33647

Consent provided

Web

2023-01-25

Closed with non-monetary relief

Yes

2022-08-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

63137

Consent provided

Web

2022-08-10

Closed with non-monetary relief

Yes

2022-07-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

KY

421XX

Consent provided

Web

2022-07-28

Closed with non-monetary relief

Yes

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

Their investigation did not fix an error on your report

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.

EQUIFAX, INC.

NC

28311

Consent provided

Web

2021-10-01

Closed with explanation

Yes

2021-07-29

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

Credit reporting

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

Was not notified of investigation status or results

I am not working with any third party credit repair company, I am solely the only person working on resolving issues on my credit report. On XX/XX/2021 I have sent a letter regarding inaccurate and unknown things on my credit report to this day, over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and ignored of my disputes. It has been over 30 days 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 data breach and may have gotten into the hands of the wrong person.

EQUIFAX, INC.

TX

752XX

Consent provided

Web

2021-07-29

Closed with explanation

Yes

2017-09-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XX/XX/XXXX Equifax informed the public that 143 million people 's personal information was stolen. Equifax learned of this incident on XX/XX/XXXX but did not notify the public for over a month. I used the website setup by Equifax to facilitate information about the incident, and was informed that my personal information was among those stolen. Equifax is offering their own Credit Monitoring service free for for XXXX year, but upon reading the terms of service, I found that they had inserted an Arbitration Clause into the terms of accepting this service. My basic interpretation of this clause is that by accepting Equifax 's offer of credit monitoring, I will also be waiving my right to seek compensation for damages through a class-action lawsuit. I have reproduced the arbitration clause below. As a precaution, I tried to freeze my credit file with Equifax, which they are still charging {$10.00} for. Reproduced from XXXX XXXX XXXX " ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. Except as otherwise expressly provided in this Agreement, all claims, disputes, or controversies raised by either You or XXXX XXXX arising from or relating to the subject matter of this Agreement or the Products ( Claim or Claims ) shall be finally settled by arbitration in the county ( or parish ) where you live or where You and XXXX XXXX XXXX otherwise agree using the English language in accordance with the Arbitration Rules and Procedures of XXXX then in effect, by one commercial arbitrator with substantial experience in resolving complex commercial contract disputes, who may or may not be selected from the appropriate list of XXXX arbitrators. This arbitration will be conducted as an individual arbitration. Neither You nor We consent or agree to any arbitration on a class or representative basis, and the arbitrator shall have no authority to proceed with arbitration on a class or representative basis. No arbitration will be consolidated with any other arbitration proceeding without the consent of all parties. This class action waiver provision applies to and includes any Claims made and remedies sought as part of any class action, private attorney general action, or other representative action. By consenting to submit Your Claims to arbitration, You will be forfeiting Your right to bring or participate in any class action ( whether as a named plaintiff or a class member ) or to share in any class action awards, including class claims where a class has not yet been certified, even if the facts and circumstances upon which the Claims are based already occurred or existed. If the parties can not agree upon the identity of the arbitrator within fifteen ( 15 ) days following the date, then a single arbitrator shall be selected on an expedited basis in accordance with the Arbitration Rules and Procedures of XXXX. Any arbitrator so selected shall have substantial experience in complex commercial contract disputes. Judgment upon the award so rendered may be entered in a court having jurisdiction or application may be made to such court for judicial acceptance of any award and an order of enforcement, as the case may be. Notwithstanding the foregoing, each party shall have the right to institute injunctive or other forms of equitable relief at any time in any court of competent jurisdiction. This agreement to arbitrate involves interstate commerce and is made pursuant to the Federal Arbitration Act, 9 U.S.C. sections 1-16 ( the " FAA '' ). Any claim or dispute as to the enforceability of this arbitration provision 's restrictions on your right to participate in or pursue a class action or class wide arbitration shall be decided by a court and not an arbitrator. Notwithstanding anything in this Section, either You or XXXX XXXX may bring an individual action in small claims court as long as ( i ) the claim is not aggregated with the claim of any other person, and ( ii ) the small claims court is located in the same county ( or parish ) and state as Your address that You most recently provided to XXXX XXXX XXXX according to XXXX XXXX XXXX records in connection with this Agreement. ''

EQUIFAX, INC.

CA

92102

Consent provided

Web

2017-09-10

Closed with explanation

Yes

2023-03-09

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

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.

EQUIFAX, INC.

LA

70806

Consent provided

Web

2023-03-09

Closed with explanation

Yes

2022-12-20

Debt collection

I do not know

Written notification about debt

Didn't receive notice of right to dispute

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 and STATE Law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation punishable under 18 U.S.C 1001. 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 believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

MI

48076

Consent provided

Web

2022-12-20

Closed with explanation

Yes

2020-03-09

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

Hello, thank you for your assistance. Issue : I didn't receive advertised or promotional terms on AMEX Blue Cash Preferred card. Also, reporting that the offer was misleading advertising about the credit card ( terms weren't clear, couldn't find important information on the online approval process ) ( 1 ) I applied online at XXXX for AMEX Blue Cash Preferred : 0 % for 12 months, {$250.00} Bonus after {$1000.00} spent in 3mos time. AMEX card approved me online immediately on XX/XX/XXXX. ( 2 ) I called a representative around XX/XX/XXXX to inquire about the {$95.00} membership fee charged. We talked about the card 's fee ; We talked about the 0 % for 12 months, {$250.00} Bonus during that conversation. I decided to keep the card and not reapply for the Blue cash card that offered a {$150.00} bonus, 0 % for 12 months with no membership fee of {$95.00} : the monies earned would work out to nearly the same amount taking into consideration the bonus amounts and the membership fee. ( 3 ) I put the card on autopay and waited for the usual time for the bonus to record. ( 4 ) To my chagrin, I saw interest charged and have been trying to resolve with AMEX repeatedly with no resolution. ( 5 ) The representatives said there was a pop up online stating I wouldn't get the promo offer. I saw, APPROVAL, I didn't see anything saying not approved for promotion. I'm very savvy using promotional offers and I've never had this happen : BAIT and SWITCH. In addition, AMEX did not send a letter notifying me I wasn't approved for the promotion. ( 6 ) The interest rate AMEX is charging me is a whopping 25.74 %!!!! I would never knowingly agree to that interest rate. ( 7 ) After the original call, I've spoken to a total of 5 representatives including managers. Each time escalated. No resolution. Lastly on XX/XX/XXXX, I was promised a call back from an authority that could assist. No call back. Here 's a list of attempts to resolve issue : 1. Approx XX/XX/XXXX - inquired about card details. 2. XX/XX/XXXX - Inquired about my promotion and reported interest charged instead of 0 %. Rep said to call back to follow up. 3. XX/XX/XXXX - Followed up and spoke to XXXX, XXXX and, manager, XXXX who forwarded my issue to a resolution department. Mentioned at least a 2 week process at minimum up to 90 days. 4. XX/XX/XXXX - Followed up again and spoke to XXXX and then escalated to, supervisor, XXXX. At that point, I was to be given to a higher authority to call me within 48hrs. No attempt was made. Thank you, XXXX XXXX

AMERICAN EXPRESS COMPANY

PA

18940

Consent provided

Web

2020-03-09

Closed with explanation

Yes

2022-03-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.

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

Experian Information Solutions Inc.

CT

06902

Consent provided

Web

2022-03-09

Closed with explanation

Yes

2023-08-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70458

Consent provided

Web

2023-08-22

In progress

Yes

2019-08-07

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Old information on my Equifax credit report that was removed is reappearing.

EQUIFAX, INC.

NY

11704

Consent provided

Web

2019-08-07

Closed with explanation

Yes

2019-10-30

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Equifax Information Services, LLC. XXXX XXXX XXXX. XXXX, GA XXXX Re : Social Security Number XXXX 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 : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXI 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 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.

EQUIFAX, INC.

NC

28273

Consent provided

Web

2019-10-30

Closed with explanation

Yes

2018-10-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My XXXX XXXX XXXX credit card # : XXXX, XXXX XXXX credit card # : XXXX, and XXXX XXXX XXXX XXXX XXXX credit card # : XXXX is lost/stolen, and all the charges/transactions on the accounts are fraudulent and unauthorized.

EQUIFAX, INC.

AZ

85202

Servicemember

Consent provided

Web

2018-10-08

Closed with non-monetary relief

Yes

2023-01-22

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

My wife handled all of our bill paying up until she died last XX/XX/XXXX. Recently I was told by a woman I had hired to help me with legal services that she was going to serve my work with wage garnishment papers. I asked her from who, about what? Why would my wages be being garnished. She refused to tell me so I looked up my court record and my credit history on XXXX XXXX. Apparently since XXXX several credit companes and companies who bought debt from credit cards have been taking me to court over credit cards in my name. I was not aware of any credit cards in my name. I have not taken any out. Clearly my wife XXXX XXXX, or my daughter XXXX XXXX, mustve taken these cards out in my name, ran them up and hid the statements from me. My wife always got the mail, I never even had the mail key til she died. Now I am getting stuff from companies and I dont even understand what it all is. All I know is that I did not sign up for any credit cards. So all of them were taken out by someone in my name. The companies I found on my court record that have apparently gone to court over this debt are : XXXX XXXX XXXX ( bought debt from XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. My credit report says these companies I also have debt with despite me not taking out cards or loans with them : XXXX, XXXX XXXX Co, and XXXX XXXX XXXX. Please investigate these fraudulent accounts and see who actually took them out in my name.

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

SYNCHRONY FINANCIAL

CA

936XX

Older American

Consent provided

Web

2023-01-22

Closed with explanation

Yes

2017-07-27

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report

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

Experian Information Solutions Inc.

NV

89115

Consent provided

Web

2017-07-27

Closed with explanation

Yes

2022-04-27

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

As quick as I can request a copy of the permissible permission from XX/XX/2017 and complain about Experian and XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not have permissible permission to access my credit report, XXXX labels as a duplicate while Experian tries to act like our government by shuffling paper. Shame on whoever is reading this for being a low paid pawn of a large company. Treat others the way you want to be treated.

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

Experian Information Solutions Inc.

TX

77494

Older American

Consent provided

Web

2022-04-27

Closed with explanation

Yes

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 constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the corrections and or deletion of these items.

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

Experian Information Solutions Inc.

TX

77043

Consent provided

Web

2023-01-18

Closed with explanation

Yes

2021-11-10

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not convinced that XXXX and XXXX XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on COLUMBIA DEBT RECOVERY. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

WA

98031

Consent provided

Web

2021-11-10

Closed with explanation

Yes

2018-10-07

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I made an on-line payment to by Paypal Credit Card issued by XXXX XXXX on XX/XX/XXXX. as of XX/XX/2018 payment was still pending eventhough it had cleared my bank on XX/XX/XXXX. Now, XX/XX/2018 Paypal has received payment,, posted under payments received, BUT THEY HAVE NOT posted it to by account balance They say it is a " computer glitch '' ..When i called on XX/XX/2018 they said it would be fixed the next day,,, now it is going to take upto another week. I have a late fee attached to by account because of their " computer glitch ''.

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

SYNCHRONY FINANCIAL

TN

37042

Servicemember

Consent provided

Web

2018-10-07

Closed with explanation

Yes

2017-08-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

EQUIFAX, INC.

NC

28216

Consent provided

Web

2017-08-02

Closed with explanation

Yes

2022-01-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I never consented nor benefited from the attached inquires, please block and delete all inquires. If Experian believe i did any good and services from the following transactions, please let them have one of their senior executive sign under the penalty of perjury that i did receive indeed.

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

Experian Information Solutions Inc.

TX

77070

Consent provided

Web

2022-01-03

Closed with non-monetary relief

Yes

2020-11-30

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/XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

CNG FINANCIAL CORPORATION

TN

37174

Consent provided

Web

2020-11-30

Closed with explanation

Yes

2018-05-07

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

Credit reporting

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

Their investigation did not fix an error on your report

I am writing to request assistance with Experian. I believe that they are not actually investigating and verifying my accounts. I believe this to be true because after I submitted the same information to the other two credit bureaus XXXX and XXXX and after investigating them the accounts were deleted. I wrote Experian several times regarding the inaccurate information on my credit report and they are refusing to remove it. My most recent letter to Experian states : XX/XX/2018 Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian, The below accounts are inaccurate, out of date and the balances are incorrect. Based on your results, I believe that you have not investigated or verified these accounts correctly or at all. By law ( FCRA Fair Credit Reporting Act ) you are required to investigate consumer disputes and remove the accounts if they are found to any inaccuracies. There is no way you could have properly investigated and verified these accounts and they were deemed accurate. I am requesting that you actually investigate and verify these accounts for accuracy, and delete them, as they are incorrect. Account Name : XXXX XXXX Account Number XXXX Reason : Not mine. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$7500.00} Reason : Inaccurate. Out of Date. Incorrect Balance. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Balance {$15000.00} Reason : Inaccurate. Out of Date. Incorrect Balance. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number XXXX Reason : Inaccurate. Out of Date. Incorrect Balance.

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

Experian Information Solutions Inc.

MD

20748

Consent provided

Web

2018-05-08

Closed with explanation

Yes

2021-12-17

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

Credit reporting

Incorrect information on your report

Account status incorrect

There is a XXXX XXXX debt with account # XXXX & XXXX on my equifax and XXXX credit report along with XXXX XXXX XXXXXXXX XXXX XXXX These debts don't belong to me and matter of fact it says on my report that account was paid in full and is a charge off. I am in the process of getting a mortgage loan and with these no balance delinquent charge-offs being posted on my account not only is it severely harming my credit score. But I am unable to qualify for a home loan. I need these inaccurate accounts that do not belong to me removed from my credit report ASAP!

EQUIFAX, INC.

SC

29341

Consent provided

Web

2021-12-17

Closed with explanation

Yes

2023-02-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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

Experian Information Solutions Inc.

GA

30039

Consent provided

Web

2023-02-16

Closed with explanation

Yes

2022-08-09

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 credit report, incorrect information is being reported to my personal credit file. The Experian 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 and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is 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 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.

GA

30058

Consent provided

Web

2022-08-09

Closed with non-monetary relief

Yes

2020-04-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I just reviewed my credit report and noticed errors on my file.

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

Experian Information Solutions Inc.

CA

93722

Consent provided

Web

2020-04-15

Closed with explanation

Yes

2019-08-27

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

I paid this debt with convergys in XX/XX/XXXX but they have not updated the account since late XX/XX/XXXX.

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

Convergent Resources, Inc.

FL

33055

Servicemember

Consent provided

Web

2019-08-27

Closed with explanation

Yes

2021-08-12

Debt collection

I do not know

False statements or representation

Indicated you were committing crime by not paying debt

The company calling was CONSERVE. When I returned the phone call they said they sold my number. They said they have every right to call any number for debt collection. I asked if I had a debt and they did not know but offered a service to help with debt. I have NO debts.Their number was XXXX XXXX XXXX. They ( the man 's name was XXXX XXXX XXXX said that they do not look at the do not call list. And again tried to sell me a service to avoid debts. This is a scam

Continental Services Group, Inc. d/b/a ConServe

CT

XXXXX

Older American

Consent provided

Web

2021-08-12

Closed with explanation

Yes

2021-12-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions

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

Experian Information Solutions Inc.

MD

20785

Consent provided

Web

2021-12-17

Closed with non-monetary relief

Yes

2021-05-15

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

We are small business owners and we shop weekly at Sam 's Club. On XX/XX/XXXX, we were approached by a Sam 's Club employee at checkout who asked if we wanted to " save {$30.00} today '' and " earn 5 % cash back on all purchases. '' We were provided a flyer to review the Sam 's Club Business Mastercard benefits by the Sam 's Club employee. We agreed that we wanted to apply for the Sam 's Club Business MasterCard. Our application was processed on the spot and we were informed that we were approved for a $ XXXX credit limit. We state that the 5 % cashback would be helpful and the employee agreed. The Sam 's Club employee then processed our purchases made on XX/XX/XXXX to the card and applied a {$30.00} credit to our bill leaving a charge to the card of {$250.00}. The bill for this new card arrived a week later. The balance was {$300.00}. Upon review, we noted the bill from Synchrony Bank indicated we had a Sam 's Club Business Credit Card, not the Sam 's Club Business MasterCard that we requested. My wife immediately called Synchrony Bank on XX/XX/XXXX and spoke to agent in Ohio named XXXX, Operator # XXXX on XX/XX/XXXX. XXXX told her that we qualified only for the " business credit card, '' and not the " business mastercard. '' We were not told this at Sam 's. Wife told XXXX that the Sam 's Club employee had misrepresented this and asked operator to close the account and provided bank information to pay the bill ( {$300.00} ). Wife then contacted Sam 's Club to complain. The employee I spoke to said they see many angry customers daily who come to customer service to complain about this same issue. The employee was uncomfortable with this apparent bait and switch tactic. My wife also spoke to a manager at Sam 's Club who apologized but tried to excuse the misrepresentation that occurred. Manager said she too applied but did not qualify for the Sam 's Club Business MasterCard at first, but that if we waited about 6 months, Synchrony might invite us to get the Business MasterCard at that time. This is a betrayal of the trust we had in Sam 's and Synchrony Bank is complicit in this predatory and fraudulent activity.

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

SYNCHRONY FINANCIAL

MN

560XX

Servicemember

Consent provided

Web

2021-05-17

Closed with explanation

Yes

2018-01-17

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.

TRANSWORLD SYSTEMS INC

CO

80112

Consent provided

Web

2018-01-17

Closed with explanation

Yes

2022-10-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been brought to my attention that the Equifax Credit Bureau is not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im submitting this CFPB Complaint once again to help establish a legal recourse. My information has been exposed in the Equifax data breach. The following inquiries and inaccurate address are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. I have already grew tired of the Credit Bureaus ' stall tactics and their choice of not having the disputed information removed from my Credit File. I am now willing to file a lawsuit against the Equifax Credit Reporting Agency in the event that they still would not remove the disputed items completely from my Credit File. If it is not too much to deal with than facing a lawsuit, please remove the following items removed : XXXX date of inquiry XX/XX/2021 XXXX date of inquiry XXXX/XXXX/2021

EQUIFAX, INC.

MO

XXXXX

Consent provided

Web

2022-10-28

Closed with explanation

Yes

2023-07-21

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/XXXX I transferred by XXXX XXXX XXXX XXXX and XXXX XXXX balances to XXXX XXXX XXXX XXXX. On XX/XX/XXXX I filed a dispute with Experian letting them know the balance on my XXXX card was incorrect. XX/XX/XXXX I received an email from Experian that after their investigation they would not change the information. As a result of the fraudulent information my credit score decreased due to the utilization.

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

Experian Information Solutions Inc.

MD

21217

Consent provided

Web

2023-07-21

Closed with explanation

Yes

2023-02-09

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I have been an Amex card holder for 15 years. Prior to XX/XX/XXXX I've held 2 Amex cards, a XXXX card ( {$0.00} annual fee ), and the Amex Hilton card ( {$95.00} annual fee ). I closed the Hilton card, not because of Amex, but because the hotel had signs of bed bugs, the air conditioning unit in our room was broken, they couldn't move us to a new room, and all of their amenities promised on the website were closed. I didn't plan on staying at a Hilton ever again, so I closed the card because it didn't make sense to pay $ XXXX for it. I am still an Amex customer via my XXXX card. In XX/XX/XXXX, American Express XXXX was offering a XXXX Welcome Offer if you spent $ XXXX in 3 months. This card comes with a {$690.00} annual fee. The terms of this welcome offer were " Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' After weighing my options between this card and several others, after much consideration I decided to sign up for this card and was approved. During the application process I received NO notice that I would not receive a welcome offer. I certainly would not have moved forward with a {$690.00} annual fee card when others were receiving it for opening it. As of today ( XX/XX/XXXX ) I've spent well over $ XXXX, so I chatted with Amex online to obtain the progress I've made on my spend towards the welcome bonus and was going to ask for timing on when the points would be applied. Much to my dismay the representative told me my welcome bonus was declined and that I was informed of this during my application process. They said I received a pop up when I was applying that would've informed me of this and I'd have to agree to move forward. I understand that it may be DESIGNED to work that way, but as someone who has worked in technology and XXXX, I can 100 % tell you there is a gap in that pop up window appearing and it didn't appear for me, I am 100 % certain. I don't know if they need to investigate a bug, or what, but I read things carefully when I sign up for stuff and I am 100 % certain I did not receive a pop up message informing me my welcome offer was declined. I was NOT informed of this during my application process, and certainly would not have agreed to a {$690.00} annual fee without the welcome bonus as a factor. I was told to get the specific reason for the decline I'd need to call the number on the back of my card. I called the number on the back of my card and was told by the phone representative that I was declined because I received an Amex welcome offer in the past, I believe they're referring to the XXXX card I referenced above, that I closed because of a very poor hotel experience. The main issue for my complaint here is misleading advertising and terms/conditions, as well as no communication that I would not receive the welcome bonus. It was 100 % not disclosed to me when I signed up. I also do not feel American Express had a valid reason to decline my welcome offer. It is not contained in my welcome offer terms that I am disqualified for receiving bonus offers in the past, the 2 terms outlined are 1 ) I can't have held the Amex card in the past, which I haven't, and 2 ) they'll weigh how many cards I've opened and closed. I've opened 2 and closed 1 over 15 years which is objectively not abuse of any system and any reasonable company would not disqualify me for those reasons. For all intents and purposes I should be eligible for this offer based on their terms. Their welcome terms are misleading and incomplete since they will disqualify you for receiving a welcome offer in the past, but do not include that in their terms.

AMERICAN EXPRESS COMPANY

OH

43054

Consent provided

Web

2023-02-09

Closed with explanation

Yes

2022-11-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Equifax seemed to ignore my appeals and neglect its duty to comply with the FCRA section 605b. I've been asking for a remedy about this matter but I guess XXXX is oblivious for they have again neglected my concern. You asked for Documentation and I have given it. And now, Im attaching the required FTC Report again for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... PLEASE DELETE IT NOW! XXXX XXXX XXXX XXXX XXXXXXXX

EQUIFAX, INC.

CA

91722

Consent provided

Web

2022-11-15

Closed with explanation

Yes

2023-07-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my several request to the XXXX Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the XXXX credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

XXXXX

Consent provided

Web

2023-07-13

Closed with non-monetary relief

Yes

2022-04-29

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

I want to report fraud for the following accounts that I have disputed with all XXXX credit bureaus. The credit bureau told me to add all the companies I am disputing in one FTC fraud report and not to complete it individually. 1 ) XXXX ending in XXXX 2 ) XXXX XXXX XXXX ending in XXXX 3 XXXX XXXX XXXX ending in XXXX 4 ) XXXX XXXX XXXX ending in XXXX 5 ) XXXX XXXX ending in XXXX 6 ) XXXX XXXX ending in XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33326

Consent provided

Web

2022-04-29

Closed with non-monetary relief

Yes

2023-02-16

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

Credit reporting

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

Their investigation did not fix an error on your report

This is 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 corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33193

Consent provided

Web

2023-02-16

Closed with non-monetary relief

Yes

2017-01-19

Student loan

Federal student loan servicing

Can't repay my loan

Can't decrease my monthly payments

I was no longer able to participate in IBR, however the other loan payments I make in a month total almost {$600.00}. I have had to put my loan in forbearance for the past two years as I can not afford to make those payments.

Navient Solutions, LLC.

NC

28214

Consent provided

Web

2017-01-19

Closed with explanation

Yes

No

2020-03-01

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

Credit reporting

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

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

XXXX XXXX granted me credit a line of XXXX 2016. Payments are continually report negative late payments on credit file. Funds are available in savings and not checking. Instead of removing available funds ; the company furnish inaccurate information on credit file. With this type of reporting continues to enable credit worthiness and growth in score. According Federal Reserve Board this is illegal. In addition, during multiple late payment reporting, a protection instituted by XXXX in case my health becomes compromised and unable to work Requesting all late payments to removed from tradeline

EQUIFAX, INC.

PA

19013

Consent provided

Web

2020-03-01

Closed with explanation

Yes

2022-07-25

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

collections account from XXXX XXXX XXXX on XX/XX/2022 with account number XXXX {$2600.00}

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

Experian Information Solutions Inc.

NJ

085XX

Consent provided

Web

2022-07-25

Closed with non-monetary relief

Yes

2023-04-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Unfortunately, this is my third time reaching out regarding this Bank of America account. This account is inaccurate and fraudulent and it needs to be removed from my credit report. I received a letter from XXXX stating the information was validated but there was no information as to how this information was validated, no proof was provided regarding my consent of this account.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

VA

231XX

Consent provided

Web

2023-04-21

Closed with explanation

Yes

2018-02-10

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

-XX/XX/XXXX an item was ordered by accident from XXXX costing XXXX dollars. -- XX/XX/XXXX I received notice via e-mail that the item was ordered. On that same day I called XXXX and cancelled the order. -- XX/XX/XXXX item was delivered when I was at work. On that same day I called my credit card company and told them to hold payment because I cancelled the item and it showed up anyways. -- Not sure exact date but early XX/XX/XXXX I shipped item back to XXXX unopened. -- XX/XX/XXXX without me knowing XXXX disputed delivery because they did not receive or process return yet. -- XX/XX/XXXX XXXX received return. ( I have proof with attachment ) -- XX/XX/XXXX credit card company issued refund back to XXXX based on XX/XX/XXXX information. I was never told of this until I received bill in XX/XX/XXXX. -- Beginning of XX/XX/XXXX I received bill from credit card company with the XXXX charge on it. -- Early XX/XX/XXXX I have numerous calls with the credit card company and XXXX on this matter. Credit card company tells me they paid XXXX on XX/XX/XXXX and I have to pay XXXX dollars or be charged interest. When I talk to XXXX they tell me they have no record of refund on XX/XX/XXXX ( I have proof with attachment ), but they do agree that the item was returned. I call credit card company back and asked for some kind of confirmation number or proof they sent XXXX the money on XX/XX/XXXX so I can give to XXXX so they can track down the transaction. Credit card company tells me there is no proof they can give me. -- So the main thing I am trying to get is proof of the transaction from my credit card to XXXX on XX/XX/XXXX in the amount of XXXX so XXXX can possible track this transaction down and I can get a refund that I deserve. -- The credit card company is bank of America. -- I would greatly appreciate any help you can give me on this matter.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MI

48316

Consent provided

Web

2018-02-10

Closed with explanation

Yes

2023-08-08

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I received a debt collection notice on XX/XX/08 regarding a bill I did not know existed from XXXX XXXX. XXXX XXXX never sent me a bill but instead sent my bill directly to PMT XXXX who require you to pay in person or acquire an extra {$35.00} fee to your bill. I have lived in Florida now for 5 months and can not go in person to pay my bill that I did not know existed. When I contacted XXXX XXXX regarding the bill, they stated it is not their responsibility to notify me of payment due. XXXX XXXX has also deleted my account so I can no longer see what the charge is for or any details regarding the bill.

PMT Solutions, LLC.

FL

336XX

Consent provided

Web

2023-08-08

Closed with explanation

Yes

2022-04-29

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

Credit reporting

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

Investigation took more than 30 days

This company has NOT provided me with ANY INVESTIGATION RESULT regarding complaint ID XXXX of XX/XX/2022. It is now over 30 days and I still DO NOT KNOW what their investigation result is. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), it has 30 days to investigate disputes. If it can not verify the information within the 30 day time period, it must delete all of the disputed accounts from my report.

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

Experian Information Solutions Inc.

TN

XXXXX

Consent provided

Web

2022-04-29

Closed with explanation

Yes

2022-10-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # XXXX Account Name # 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 XXXX years. 15 U.S.C. 1681s-2 ( A ) 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

758XX

Consent provided

Web

2022-10-24

Closed with non-monetary relief

Yes

2021-08-04

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

Experience refuses to put the correct employer. They are putting XXXX XXXX XXXX XXXX XXXXXXXX, XXXX instead of 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.

FL

328XX

Consent provided

Web

2021-08-04

Closed with non-monetary relief

Yes

2022-02-24

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

On or about XXXX of XXXX, I was notified by checking my credit bureaus reports by XXXX, XXXX, XXXX XXXX, and I noticed a creditor by the name of mountain Runs Solution whom I was not familiar with. I was later contacted by them through a unrecognized number. After speaking with a representative, I asked why I was not contacted before now and was told by representative that they did not have my address and they told me that they had sent the letter to my last address at XXXX XXXX XXXX in XXXX, Georgia, where my son used to reside and where I resided with him at that address in XXXX from XXXX to XXXX of XXXX. They said they sent the letter to that address and this was bit puzzling for me because I had the system installed in my house at XXXX XXXX XXXX, XXXX, Georgia XXXX in XXXX of XXXX and maintained the system from XX/XX/XXXX until XX/XX/XXXX, and now they are saying that I owe then {$94.00} which I know not to be true. To my knowledge the account was sold to XXXX from XXXX and from XXXX to Mountain Run Solutions debt collection. I contacted XXXX Monitoring company and they said they had no record of my information. Mountain Run must have gotten my information and is now trying to harass me for money I do not owe because I honored my contract from XX/XX/XXXX until XX/XX/XXXX according to their own recollection. I am asking that they send financial proof that I owe this money or this matter be dismissed off of my credit report. I had a high credit score until they sent this ridiculous report to XXXX. XXXX has dismissed it, but with no proof of this collection against XXXX is falsely reporting this on my credit report. I have been working with the CFPB and was given a case # XXXX.

Company believes the complaint provided an opportunity to answer consumer's questions

Mountain Run Solutions, LLC

GA

30017

Older American

Consent provided

Web

2022-02-24

Closed with explanation

Yes

2022-04-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

EQUIFAX, INC.

NJ

07103

Consent provided

Web

2022-04-22

Closed with explanation

Yes

2015-08-28

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt is not mine

I 've received XXXX letters and daily phone calls from a company named Portfolio Recovery Associates , LLC. They say I owe {$260.00}. For something I bought from XXXX XXXX 's. I responded to their letters asking them to please provide me with proof of purchase. They sent me a blank form of verification of debt, which they want me to give them all my personal information and have it notarized. That 's not gon na happen! I almost never shop at XXXX 's. I have n't used a XXXX 's credit card and I normally pay by check. If I did owe XXXX XXXX 's for a purchase would n't they have sent me a bill? All I 'm asking them for is proof. Thank you.

PORTFOLIO RECOVERY ASSOCIATES INC

VA

22407

Older American, Servicemember

Consent provided

Web

2015-08-28

Closed with explanation

Yes

Yes

2021-04-14

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

Credit reporting

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

Investigation took more than 30 days

I was notified by my mortgage company that they did not receive payment for my loan. I pay automatically every month since inception. I have provided proof from my bank that it was paid and they still have not credited my account or fixed my credit score.

EQUIFAX, INC.

VA

23464

Consent provided

Web

2021-04-14

Closed with explanation

Yes

2022-12-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account which does not belong to me or was opened without my permission. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

EQUIFAX, INC.

CA

93230

Consent provided

Web

2022-12-23

Closed with explanation

Yes

2023-04-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

OH

452XX

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2019-11-07

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

Credit reporting

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

Their investigation did not fix an error on your report

This complaint is against Experian.com which is one of the big three credit bureaus. I purchase Experian membership which is {$24.00} a month which shows you everything on all three credit bureaus. I seen my student loans accounts closed on my Experian account for all three credit bureas closed instead of open. They don't suppose to be closed and there reporting positively. I contacted XXXX and XXXX both told me the accounts are open and seen them for myself even the one on Experian was closed that suppose to be open as well. I turnaround called the two student loan companies which is XXXX, XXXX both told me the loans are still open in great condition and nothing has changed. Experian told me it could be a error in the membership but its been weeks and ever got back to me after I sent them over the documents and nothing never got fixed.

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

Experian Information Solutions Inc.

MI

48504

Consent provided

Web

2019-11-07

Closed with non-monetary relief

Yes

2019-11-08

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

I man receiving repeated calls from EOS-CCA. Every single day, multiple times a day. They do not leave voicemails and when I do answer I am threatened with legal action for a debt I dont even know about ... and they will NOT tell me about unless I divulge all of my personal information. I received a call again today ( 2nd one today ) and I didnt answer the phone in time. I called the number back ( XXXX ) and simply said remove me from your calling list! ) the woman proceeded to ask if I was XXXX, I said yes stop calling me. She said we are in the process of beginning legal Action against you for a debt. Can I ask you about your personal information? I answered No! Thats not your business. And I hung up. I do not even know what this supposed debt is over!! Their tactics are ridiculous, threatening, and I can only imagine how elderly people must feel getting calls from these crass people too.

EOS Holdings, Inc.

PA

186XX

Consent provided

Web

2019-11-12

Closed with explanation

Yes

2020-11-16

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I opened Bank of America Cash Reward credit card with the following offer : {$200.00} Online Bonus Offer after making at least {$1000.00} in purchases in the first 90 days of account opening. The credit card was shipped out on XX/XX/XXXX and was activated on XX/XX/XXXX It takes 10 business days to arrive via US mail. I called BOFA customer service asking for my {$200.00} bonus offer and was told that I did not make {$1000.00} purchases up to XX/XX/XXXX ( I forgot when I actually applied for the card ) How can this be? I did not even receive the credit card until around XX/XX/XXXX and it took me 2 days from receipt to activate the card. At least give me 90 days to use the credit card from the time the credit card itself arrives. I had no way of making purchases on the same day that I applied as I did not physically have possession of the " approved '' card. I want BOFA to honor the {$200.00} promotional credit and calculate the total spending from XX/XX/XXXX to XX/XX/XXXX to be fair to an account holder. I should not be penalized by the number of days the card was in transit not being able to make purchases immediately. Thank You, XXXX XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

75063

Consent provided

Web

2020-11-16

Closed with monetary relief

Yes

2021-02-26

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

Credit reporting

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

Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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

SYNCHRONY FINANCIAL

PA

15236

Consent provided

Web

2021-03-03

Closed with explanation

Yes

2017-05-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I looking over all XXXX of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1. XXXX XXXX XXXX # XXXX Never don business with this company error please delete. XXXX XXXX XXXX # XXXX This was discharged in Bankruptcy and is listed wrong please delete. XXXX XXXX # XXXX This account was paid and is listed wrong error please delete. XXXX # XXXX This account was discharged in Bankruptcy error please delete. XXXX XXXX BANK # XXXX This account is FRAUD I have never had a credit card with this company ever. XXXX XXXX XXXX XXXX XXXX This account is listed wrong and dates and status are wrong please delete. XXXX XXXX # XXXX This account was never verified please delete.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

43207

Consent provided

Web

2017-05-08

Closed with explanation

Yes

2023-08-02

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

Credit reporting

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

Investigation took more than 30 days

On XXXX XXXX I sent Equifax and dispute regarding inaccurate accounts reporting on my consumer file. As of XXXX XXXX I have not received any correspondence regarding my dispute and Equifax now has violated 15 USC 1681i ( a ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required 611 - 15 U.S.C. 1681i ( a ) 59 ( 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 ( 5 ), 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.

EQUIFAX, INC.

AR

72209

Consent provided

Web

2023-08-02

Closed with explanation

Yes