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aciborowska

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customers-complaints-test

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2020-05-17

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/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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

Experian Information Solutions Inc.

IL

60619

Consent provided

Web

2020-05-17

Closed with explanation

Yes

2022-10-29

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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

Experian Information Solutions Inc.

FL

33319

Consent provided

Web

2022-10-29

Closed with non-monetary relief

Yes

2022-05-21

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 Accounts below 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. Collection Accounts : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$620.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$540.00} XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$250.00} XXXX XXXX Date reported : XX/XX/XXXX Amount : {$2500.00} XXXX XXXXXXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$550.00} Credit Cards : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$330.00} Closed XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Closed Loans : XXXX XXXX XXXX Date reported : XX/XX/XXXX Amount : {$4600.00} Closed Public records : XXXX XXXX Date reported : XX/XX/XXXX Amount : {$0.00} Dismissed and Closed State XXXX XXXX XXXX XXXX Date reported : XXXX XXXX XXXX Amount : {$0.00} Closed and Paid

EQUIFAX, INC.

AL

35216

Servicemember

Consent provided

Web

2022-05-21

Closed with explanation

Yes

2022-08-26

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I noticed an unauthorized charge on my Apple ( Goldman Sachs Mastercard ) from the app store as an in-app purchase. I disputed the charge and it was denied. I requested a review of the denial and it was denied again. Apple support stated there is nothing they can do and I am responsible for the unauthorized charge as they have no recourse after initial dispute.

GOLDMAN SACHS BANK USA

NY

117XX

Consent provided

Web

2022-08-26

Closed with explanation

Yes

2023-04-02

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

I found multiple items on my credit report that I never applied for or ever had. I sent disputes letters information the reporting agencies of these inaccuracies and have not received any response to my disputes.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89147

Consent provided

Web

2023-04-02

Closed with non-monetary relief

Yes

2023-01-31

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

As a loan servicer XXXX has not provided the required disclosure that give me the option to opt out of having any information reported about me. If you are using Department of Education as your backing then you are 15 USC 1692f false and misleading practices to collect a debt. A consumer report does not include transaction or experiences between the consumer and the person making the report that's a violation of 15 USC 1681b. The Federal Government is backed by the Credit of the people does not say corporations or banks in fact 12 1431 States that banks have the power to borrow. So I need for XXXX to show proof that there was actually a " loan '' because I know for fact that there are no such thing as a " loan '' for a consumer. Failure to do so will result in actual damages and fraudulent practices.

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

Experian Information Solutions Inc.

SC

29617

Consent provided

Web

2023-01-31

Closed with explanation

Yes

2023-03-01

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. Accounts : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX have 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 : Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer 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.

SC

29150

Consent provided

Web

2023-03-01

Closed with non-monetary relief

Yes

2019-05-20

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX and Transunion are reporting an incorrect coding of the XXXX/XXXX partial account number XXXX. This account actually this needs to be coded as an XXXX. ( Please see pages 8 and 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

37027

Consent provided

Web

2019-05-20

Closed with explanation

Yes

2022-07-14

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reinvestigated my credit report, I realized that some of the accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below and remove the negative remarks : XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$8600.00} XXXX XXXX XXXX XXXX XXXX : {$4600.00} XXXX XXXX XXXX XXXX Balance XXXX {$650.00} XXXX XXXX XXXX XXXX Balance : {$0.00}

EQUIFAX, INC.

GA

30331

Consent provided

Web

2022-07-14

Closed with explanation

Yes

2023-05-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

XXXXX

Consent provided

Web

2023-05-04

Closed with non-monetary relief

Yes

2020-06-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

After reviewing my credit file I noticed that EOS is reporting a paid medical bill however I have found out that this utility bill is a result of identity theft. I have enclosed my FTC Identity Theft Report, police report, proof of my identity and a copy of my credit report showing the fraudulent items. Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.

EOS Holdings, Inc.

TX

77521

Consent provided

Web

2020-06-27

Closed with explanation

Yes

2020-10-07

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

We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX XXXX and XXXX XXXX We received an order from someone posing as a purchasing agent for XXXX University. They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them. ( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX University. Everything checked out. I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. My insurance policy has some sort of Cybercrime Protection as well. So far everyone is pointing the finger at me and telling me that they can't help me. Apparently the card was flagged as stolen back in XXXX.

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

U.S. BANCORP

VA

23228

Older American

Consent provided

Web

2020-10-07

Closed with explanation

Yes

2019-03-05

Credit card or prepaid card

Store credit card

Getting a credit card

Card opened as result of identity theft or fraud

On or about XX/XX/XXXX I received a XXXX XXXX credit card in the mail from XXXX XXXX. I had not applied for this card. I immediately cancelled the card, filed an identity theft claim with the FTC and froze my credit. I sent written confirmation to XXXX XXXX XXXX as instructed by the FTC, actually using the letter they provided. I received a letter yesterday ( XX/XX/XXXX ) stating that my claim of identity theft with that account had been denied and I would be responsible for the charges which are {$1100.00}.

Bread Financial Holdings, Inc.

GA

31210

Consent provided

Web

2019-03-05

Closed with non-monetary relief

Yes

2022-06-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11763

Consent provided

Web

2022-06-09

Closed with non-monetary relief

Yes

2021-03-25

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

Credit reporting

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

Problem with personal statement of dispute

I leased a car from XXXX XXXX in XXXX of XXXX, with my lease expiring on XX/XX/XXXX. I made every payment on time and ensured I was enrolled in auto pay to make sure I made my payments. XXXX XXXX is claiming I missed two payments, while I was unaware I was being taken off auto pay. The reason I did not bring the car in was due to the COVID-19 pandemic. I live in California, and this is right when the first stay at home order was enacted. I was one of the millions of other people that lost their job in this time. Not only did I lose my job, but had to use any and all resources to get my and my familys life in order. With this, I was under the impression from multiple advertisements and other news outlets that XXXX would extend peoples leases and address it once things went back to normal. With this, I thought my auto pay and lease was extended and had the peace of mind that a large company like XXXX would take care of their customers. I am unable to retrieve documentation or past statements for my XXXX XXXX account, other than my payoff statement. Im unsure that I was contacted at all due to the email on account was previous work email, I left the job XX/XX/XXXX. I understand that I could have changed that email address, but it did not cross my account as my account was on auto pay, and was unaware this would happen. The only billing statement I was aware of and received was in XX/XX/XXXX when I noticed my credit was affected. My father was a cosigner on the account and used his home address and landline as the primary phone number. That phone number hasnt been active for years and I have also not lived there for years. I was also unaware of any missed payments, and once I realized there was one, I paid over {$21000.00} to pay the car in full. I was under the impression that XXXX XXXX was going to remedy the missed payments on my credit, and was promised multiple times on the phone that my credit history would be corrected. I asked on multiple calls with XXXX XXXX if the calls were recorded, and they answered yes, so there should be record of this. After months, nothing showed and was then told by XXXX XXXX they do not do courtesy credit adjustments. I have disputed these missed payments with the three credit bureaus on multiple occasions. One, which I have attached, was on XX/XX/XXXX. I submitted two online disputes with the three credit bureaus on XX/XX/XXXX and XX/XX/XXXX. I have never missed a payment on any tradeline or account in my life. This has decimated my credit. I recently purchased a home on XX/XX/XXXX. Due to my credit profile, I was unable to qualify for preferred interest rates from multiple lenders. This will result in unnecessary and unfair payments of thousands of dollars over the life of the loan. Not only has XXXX XXXX hurt me financially, they have hurt me emotionally causing pain and suffering. I am at the point where my family has secured an attorney and are in the process of preparing a class action lawsuit against XXXX XXXX. Not only are we doing this for ourselves, but the thousands of people XXXX XXXX has surely and unfairly misled in to thinking they would be taken care of. This ordeal has left me and thousands of other people in complete and utter shock as to how XXXX XXXX treats their customers. I will use the full force the legal system will allow me, and not let this go unnoticed.

EQUIFAX, INC.

CA

91301

Consent provided

Web

2021-03-25

Closed with explanation

Yes

2018-10-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

XXXX XXXXXXXX XXXX XX/XX/2017 XXXX, IL XXXX Hard inquiry - Needs to be removed Not authorized XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX, IA XXXX Hard inquiry - Needs to be removed not authorized XXXX XXXX XXXX XX/XX/2017 XXXX XXXX, MI XXXX Hard Inquiry Needs to be removed Not authorized XXXX XXXX XX/XX/2017 XXXX MN XXXX Hard Inquiry Needs to be removed not authorized XXXX XXXX / XXXX XX/XX/2017 XXXX XXXX, MN XXXX Hard Inquiry Needs to be removed not authorized XXXXXXXX XXXX XX/XX/2017 XXXX XXXX, mn XXXX Needs to be removed not authorized hard inquiry XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX CA XXXX XXXX XXXX, MN XXXX 2 on the same day - Please delete hard inquiry not authorized XXXX XXXX XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX XXXX TX XXXX Hard inquiry please delete not authorized XXXX XXXX XXXX XXXX TX XXXX Hard Inquiry needs to be deleted not authorized XXXX XXXX XXXX XXXX XX/XX/2017 XXXX LA XXXX Needs to be deleted not authorized XXXX CO Dual Card XX/XX/2017 XXXX, FL XXXX Needs to be deleted not authorized XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2017 Not authorized Needs to be deleted.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MN

550XX

Consent provided

Web

2018-10-17

Closed with explanation

Yes

2022-11-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

American Credit Acceptance Acct XXXX In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602, It states I have the right to privacy. 15 USC 1681 section 604A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 uses 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.

Company believes it acted appropriately as authorized by contract or law

American Credit Acceptance, LLC

GA

30013

Consent provided

Web

2022-11-23

Closed with non-monetary relief

Yes

2019-01-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have provided Equifax with proof that three accounts on my credit report are due to ID theft. Equifax employees have stated that my FTC affidavit is valid, but they are refusing to block even though I have never requested for those items to be blocked before. They also stated that they have received my documents on XX/XX/XXXX it is now XX/XX/XXXX. Per the FCRA the items were supposed to be blocked within 4 business days.

EQUIFAX, INC.

TX

75243

Consent provided

Web

2019-01-09

Closed with explanation

Yes

2022-03-29

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

My Innovis Consumer Report is showing a negative account with XXXX XXXXXXXX XXXX account # XXXX, where the date of the 1st Delinquency or 30 days late is not being reported. It is missing and this makes the account incomplete. On or about XX/XX/XXXX, I sent a letter to Innovis Consumer Reporting Agency requesting to investigate and provide this information. ( See attached document ) On or about XX/XX/XXXX Innovis responded : " The disputed information was verified as accurate '' ( See attached ) However, the missing information wasn't provided and is still missing. How can the missing information be accurate as being missing? It simply does not make any sense. Can you please direct Innovis to provide me the date of the 1st Delinquency and to include it in my report? If they are unable to provide me, please direct them to delete this item from my report. Thank you p.s. ANY RESPONSE REGARDING THIS BCOMPLAINT SHALL BE LIMITED TO THE PROBLEM STATED ABOVE AND MAY NOT EXTEND TO MATTERS WHICH THIS COMPLAINT DOES NOT INVOLVE.

CBC Companies, Inc.

IL

60076

Consent provided

Web

2022-03-29

Closed with explanation

Yes

2023-05-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECONDLY IVE NEVER OWNED AN ACCOUNT WITH THE ACCOUNT # STATED ABOVE AND ON MY REPORTS. NOT MY ACCOUNT.

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

Experian Information Solutions Inc.

TX

77071

Consent provided

Web

2023-05-19

Closed with explanation

Yes

2018-11-18

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

In the matter of XXXX XXXX XXXX. I have started many disputes for the reporting of inaccurate information on my credit reports.in the month of XX/XX/2018, you can see the proof that on Experian and XXXX XXXX at the same time different information was being reported. ( see attached files ) The FCRA protects me from having inaccurate from being reported. Also, I was turned down for credit that I would otherwise receive. In complaint # XXXX with the Attorney General, XXXX XXXX per XXXX On XX/XX/2018, sent a letter saying the account is valid and accurate. I only started looking into my credit in XX/XX/2018, so it only shows the lies from them are true.

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

Experian Information Solutions Inc.

NC

27401

Consent provided

Web

2018-11-18

Closed with explanation

Yes

2021-02-16

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

XX/XX/XXXX, rategenius rep XXXX XXXX pulled a hard hit on my credit score without authorization. I applied originally XX/XX/XXXX and refused the loan. I did not agree to have my credit score pulled or checked again. I do not want this loan. He had no permission to incur another hard credit hit and offer another loan I do not want. When I tried to contact credit union west I was on hold for 20 minutes and hung up on. Tried calling XXXX directly and went to voicemail instantly.

RateGenius Loan Services Inc

AZ

85712

Consent provided

Web

2021-02-16

Closed with explanation

Yes

2023-01-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

In XXXX, I filed for Forbearance and did the extensions in XXXX. I was 1 month behind at the time of the initial filing which is why I needed the forbearance. I was lead to believe that payment would be included in the forbearance. Every month XXXX reported the loan as 30 days late in accordance with that missed payment that should have been rolled into the forbearance. Every month XXXX accrued interest on that payment and forced collections on it once the forbearance period was over.

EQUIFAX, INC.

OH

44224

Consent provided

Web

2023-01-13

Closed with explanation

Yes

2023-04-26

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, this creditor AFFIRM INC has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account with my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Affirm Holdings, Inc

CA

92021

Servicemember

Consent provided

Web

2023-04-26

Closed with explanation

Yes

2020-03-10

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I have this account in my credit report but is not mine

TOYOTA MOTOR CREDIT CORPORATION

FL

33311

Consent provided

Web

2020-03-13

Closed with explanation

Yes

2021-07-18

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

After paying off my balance XX/XX/2021, Capital One charged me interest on a {$0.00} balance on XX/XX/2021, with no notification between XXXX and XXXX that there was a balance on my account. I had also not checked back to that account because It had been paid in full and not used again after. Due to this it caused the credit bureaus to flag delinquency in payment which dropped my over XXXX credit score to close to XXXX. I disputed this with all 3 credit bureaus in which 1 gave me back almost 50 points ( XXXX ), one gave me back 30 points ( XXXX ), but only a slight bump for the 3rd ( XXXX ). The same day that the disputes were being resolved, Capital One also decided to drop my credit limit in half ( {$10000.00} to {$5000.00} XXXX due to delinquency reported by the credit bureaus. This is very questionable timing given the delinquency was originally reported by Capital One therefore showing they already had knowledge of the balance, but also provided NO PRIOR NOTIFICATION of the charge or continued open balance for me to review before it drastically effected my credit.. Prior to this, I held a 100 % payment rate with Capital One and all other institutions in which I held debt, with this account being my oldest line of credit as a member for almost 9 years. In that 100 % payment rate I have paid off MUCH higher balances ( that I actually charged ), so to be punished this highly for an interest charge that I was not even notified about is highly disappointing. I tried to contact Capital one to have this fixed in which they told me there was nothing they could do, and basically it is what it is but it will be gone in 4 years. This is a form of fraud on the side of the institute ( rather than an individual ) and it should be known by all consumers that the company conducts business using unethical practices knowing the leverage it holds over consumers. I do not deserve to have my exceptional credit rating drop to fair/good when I wasnt notified of being charged and all indicators showing that had I known it was there, it would have been paid.

CAPITAL ONE FINANCIAL CORPORATION

TX

78759

Consent provided

Web

2021-07-18

Closed with monetary relief

Yes

2020-04-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion report XXXX This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

29485

Consent provided

Web

2020-04-09

Closed with explanation

Yes

2017-09-12

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

Other personal consumer report

Improper use of your report

Reporting company used your report improperly

According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.

EQUIFAX, INC.

ID

83201

Consent provided

Web

2017-09-12

Closed with explanation

Yes

2016-11-07

Debt collection

I do not know

Disclosure verification of debt

Right to dispute notice not received

the company ENHANCED RECOVERY CORP is currenty reporting a collection account on my credit file that i have no knowledge of. I was never sent a DV before they decided to report on my credit file. This is not my account and i do n't know why they are reporting this debt on my credit file

Company believes it acted appropriately as authorized by contract or law

ERC

PA

19145

Consent provided

Web

2016-11-07

Closed with non-monetary relief

Yes

No

2018-03-26

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Received a notice by mail for a medical transportation debt. I haven't been in an ambulance or any medical transportation in over 20 years. Received notice XX/XX/18 from Debt Recovery Solutions LLC.

Debt Recovery Solutions, LLC

VA

229XX

Consent provided

Web

2018-03-26

Closed with explanation

Yes

2023-01-23

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

Credit reporting

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

Was not notified of investigation status or results

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10705

Consent provided

Web

2023-01-23

Closed with non-monetary relief

Yes

2023-05-05

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

Credit reporting

Incorrect information on your report

Account status incorrect

I disputed an account on experian that was paid off in XXXX of XXXX and wrongfully showing the account was still open. Once I disputed it in XX/XX/XXXX they claimed the account delinquent and a payment of {$1000.00} was due since the vehicle was paid off until now. I re-disputed it with the information from XXXX showing the account was paid in full and closed on XX/XX/XXXX. This did nothing. I was then told to send a letter of dispute to XXXX 's dispute center. I sent that XX/XX/XXXX. Nothing has changed on my credit report. This is stopping me from getting into a house and getting a new car. My credit score dived from XXXX to XXXX just from this fraudulent charge.

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

Experian Information Solutions Inc.

MT

59801

Consent provided

Web

2023-05-05

Closed with explanation

Yes

2017-03-15

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt resulted from identity theft

Several times this company has called me on attempts to collect a debt that I have never heard of. I asked them to please send proof that it is me who requested the loan. They will not send proof and keep calling me.

Ad Astra Recovery Services Inc

CA

94513

Consent provided

Web

2017-03-15

Closed with explanation

Yes

No

2022-02-23

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

AMEX XXXX And the FTC. These people lie about everything. When I protested they sent police. They got me put in a XXXX. We left the state because they destroyed our lives. They continued to pursue the charges relentlessly, hiding evidence of criminal fraud and passing from department to department because no one will ever hold them accountable. They are no better than the criminals. They are even worse, they process the transactions for the criminals.

AMERICAN EXPRESS COMPANY

WA

98109

Consent provided

Web

2022-02-23

Closed with explanation

Yes

2022-03-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60106

Consent provided

Web

2022-03-22

Closed with non-monetary relief

Yes

2022-01-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33312

Consent provided

Web

2022-01-25

Closed with non-monetary relief

Yes

2021-07-29

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

Credit reporting

Incorrect information on your report

Account information incorrect

SELF FINANCIAL/XXXX XXXX REPORTING MY SECURED CREDIT CARD SINCE XX/XX/2021 AS OPEN WITH A XXXX BALANCE ... .. THIS IS INCORRECT.. IT IS A CLOSED ACCOUNT WIITH A XXXX BALANCE I HAVE REQUESTED BOTH SELF FINANCIAL/XXXX XXXX & XXXX TO CORRECT 4 DIFFERENT TIMES AS OF XX/XX/2021. IT HAS NOT BEEN FIXED

Self Financial Inc.

NJ

07307

Consent provided

Web

2021-07-29

Closed with explanation

Yes

2015-11-23

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt was paid

Approximately 12 years ago I had an outstanding debt with XXXX. The total debt was less than {$4000.00}. It remained on my credit report and the day before it was due to come off my credit report, I received notification from Pressler & Pressler that they had purchased the debt which was then over {$7000.00} after they tacked on interest, fees and court costs. I filed an answer to their court documents and we made a payment arrangement of $ 100 monthly. That continued for approximately 2-3 years. I paid more than the original amount owed. Per my conversation with them today they were aware of my new address. I received no correspondence from them since 2013, nothing requesting payment, at all. I assumed since I had received nothing, the debt had been satisfied. Friday I received my paycheck and it was garnished for {$200.00}, XXXX % of my income. I was not made aware of this beforehand, just 2 years later, out of the blue, they take my money. They are saying I still owe over {$4100.00}. This is robbery. I have checked online and they have had numerous complaints and suits filed against them for these unethical practices. Why should I have to pay double for a debt that was never owed to them in the first place. The money is not even going to the original debtor. This should be against the law. I am the only source of income for my household and I am already struggling. With them taking {$400.00} a month from my pay I can not pay my rent. They had ample time to contact me in reference to this debt and nothing for two years. I realize not that this was intentional. If the3re is any way possible to stop this garnishment, that is the objective, even if it means going back in front of a judge.

Company believes it acted appropriately as authorized by contract or law

Pressler & Pressler, LLP

NJ

08060

Consent provided

Web

2015-11-23

Closed with explanation

Yes

No

2017-03-22

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

I have on several occassion disputed my Federal Loan Servicing with XXXX and XXXX. Both credit bureaus keep coming back stating they verified that they were verified as such. My student loans were never discharged under Chapter XXXX bankruptcy and they could not provide me the proof from their source. I called Federal Loan servicing my self on XXXX/17 and was told the credit bureau never inquired about my loans and that they were consolidated and paid. I have been paying my loans each month since 6 months from graduating. I did fill out Fed loans dispute form and sent them a copy of my credit report showing them what the credit bureau has on them and they stated they were going to call them to correct the information. I do n't think I should have had to go this long with no proof from these credit bureaus to remove this information when they know by law student loans can not be discharged only under certain circumstances which I do not fit under. They have damaged my credit further by not doing their job. XXXX also had it on theirs but is no longer there so they did their job. I lost XXXX points when they put this on and I want it fixed. XXXX will no longer give me the option to dispute.that information.

AES/PHEAA

NJ

08021

Consent provided

Web

2017-03-22

Closed with explanation

Yes

No

2020-06-30

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

As a single father battling XXXX, I have been charged {$6000.00} in bank fees over the past 5 years. The banks are oppressing poor, lower-class citizens. Here 's how : Assume the following : There is an account with {$200.00} and the account opt-in to overdraft coverage. The account takes transactions of {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX. It has the available funds to cover these transactions at the time of authorization. Consider these six transactions pending. Therefore the available balance is {$0.00}, and the posted balance is still {$200.00}. The account makes another transaction of {$1.00} the next day ( say from an auto-bill transaction ). This {$1.00} transaction overdrafts the account by {$1.00}. This transaction is also pending. The available balance is now $ XXXX, yet the posted balance still {$200.00}. The {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX transactions post. This occurrence puts the posted balance at {$0.00}, with an available balance of $ XXXX. Since the available balance is negative at the time the transactions post, the account will be charged overdraft fees for all of these transactions. These fees will equal {$210.00}. This occurrence will put the account at - {$210.00}. The {$1.00} transaction posts the following day. The bank will also assess another {$36.00} fee for this transaction. This occurrence will put the account at - {$250.00}. Total fees in example : {$250.00} for a {$1.00} overdraw. My bank has even all-but-confirmed this scenario with me in an email correspondence. I feel this may rise to the level of unconscionability, Full correspondence with bank : Me : >Hi [ redacted agent ] -, >Assume the following : >There is an account with {$200.00} and the account opt-in to overdraft coverage. >The account takes transactions of {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX. It has the available funds to cover these transactions at the time of authorization. Consider these six transactions pending. Therefore the available balance is {$0.00}, and the posted balance is still {$200.00}. >The account makes another transaction of {$1.00} the next day. This {$1.00} transaction overdrafts the account by {$1.00}. This transaction is also pending. The available balance is now $ XXXX, yet the posted balance still {$200.00}. >The {$60.00}, XXXX, XXXX, XXXX, XXXX, and XXXX transactions post. This occurrence puts the posted balance at {$0.00}, with an available balance of $ XXXX. Since the available balance is negative at the time the transactions post, the account will be charged fees for all of these transactions. These fees will equal {$210.00}. This occurrence will put the account at - {$210.00}. >The {$1.00} transaction posts the following day. The bank will also assess another {$36.00} fee for this transaction. This occurrence will put the account at - {$250.00}. >Total fees : {$250.00} for a {$1.00} overdraw. >Is this right? >Thanks, > [ redacted self ] Agent : >Good morning [ redacted self ], >While I very much appreciate you taking time to understand how the posting order and overdraft occurrence works I would not be able to give insight as to if your scenario is correct or not. I can say that regardless of how many overdrafts your scenario would cause, if the account in the scenario was opted-out than the {$1.00} transaction would not have been authorized and an overdraft instance would not be a consideration. >Thank you, > [ redacted agent ] Me : > [ redacted agent ] - >Thank you for the quick response. >Why would you not be able to give insight to whether this scenario is correct or not? >I understand that if the account was opted out that it would not have been assessed any fees. Thank you for this subtle advise. > [ redacted unrelated sentence ] >Thanks, > [ redacted self ] Agent : >Hi [ redacted self ], >With a hypothetical that was not something processed through our system I can not be certain what the outcome would be. While I looked at scenario and the math it appears you are on the right track with how it would work due to the fact of the available balance being the negative {$1.00} but I can not say for sure the overdrafts in your scenario would be accurate. >While I appreciate your understanding and continuing to ensure you completely understand how the posting order and overdrafts work as it is an important aspect of operating a checking account. I would also recommend taking time to utilize some of the tools and resources available through our Online Banking. One tool specifically would be the Account Alerts. These would be a preventative measure where you can set a Balance Limit and any time your balance gets below a given balance ( i.e. {$50.00} ) you can opt for a text or email alert. There is also another option regarding setting up a specific account to be linked for Overdraft Protection that would be too wordy for an email that I would be happy to go over with you also. >Like I said, I really do appreciate you taking the time to understand how the overdrafts work, I prefer to set up measures that will prevent the situation of an overdraft coming up. I am not deflecting your scenario in any way, it is just difficult for me to comment on something that could happen that hasnt actually been processed in my system. I will say that your scenario is very similar to what we talked about the other day but with easier transaction amounts and balances to help see what would happen. >Thank you, > [ redacted agent ] Me : >Hey [ redacted agent ] - >Thank you for your correspondence. >The issue I take with the ruling in this hypothetical is the only reason the account 's available balance is in the negative is because the funds were " set aside '' [ agent 's words ] for these exact transactions [ you charged overdraft fees for ], for wh en it came time for them to post. > [ redacted self ] Agent : >I understand and that makes sense. With everything that can happen with transactions nowadays the computer system can not run with hypotheticals built in or even take into consideration the balance when the transaction was authorized. A pending transaction can post for more, less, not at all or at a delayed time not the current or next business day. It is important also to know that with your scenario, if a deposit was made the day the {$1.00} transaction was made that brought the account positive that would avoid an overdraft situation from occurring, only if made during that business day. >Situations like you presented do happen and cause both confusion and problems. The way transactions show on an account are continuously being updated based on new processing methods and trends for how customers use their accounts. I have been in banking for 8 years and have seen 2 updates which both were in favor of the customer. Me : >Hey [ redacted agent ] - >It 's almost as if the transactions are being posted against the available balance when they should " post '' against the posted balance. >Mainly if the account has a positive posted balance after the transaction clears, a fee should not be charged yet, or if the available balance was there at the time of the transaction, a fee should not be charged yet ; either way would make more sense, at least to me. It would seem this is where the system disagrees, and where much of the confusion stems from. >In any case, I am moving on and putting this behind me, although I do think it is rather strange. And, please, excuse my candor. I thank you for all your help. I understand that time is invaluable and I greatly appreciate your continued efforts. I look forward to our future business. >Have a great day! >Regards, > [ redacted self ] Agent : >I can see what you mean. And you are partially right, a transaction counts towards both posted and available balance, the system will take into account if either balance goes into the negative and if so, an overdraft has resulted due to that particular transaction. What you are saying does make sense but is just not how the regulations have been set up. >I was glad to have helped you with this issue and no apology is needed. I understand this is and can be frustrating but I am thankful that you were willing to take time to understand that happened and work through it constructively. To me that makes these types of interactions worth it. > [ redacted unrelated sentence ] This correspondence came after I had already tried pleading with the bank manager in person at the branch, while the exact scenario laid out was happening to me but with different transaction amounts. The bank refused to refund the money and stated that is how the system works. If you overdraft your account, you are going to pay the fees, even if you don't agree that each transaction was legitimately an overdraft.

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

REGIONS FINANCIAL CORPORATION

FL

33756

Consent provided

Web

2020-06-30

Closed with explanation

Yes

2022-02-11

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

Credit reporting

Incorrect information on your report

Account information incorrect

Today Trans Union dropped my credit score XXXX points today for paying off over {$2000.00} in debt. Really!!!! XXXX XXXX needs to get a handle on Trans Union and XXXX. As a matter of fact I have paid off more than {$20000.00} in debt in the last 3 months and my score keeps dropping. Even was denied a loan because of these XXXX groups in XXXX. XXXX XXXX needs them to report correctly. They are quick to lower your score and take months to raise it after a mistake. Clean up your business! 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.

OH

455XX

Servicemember

Consent provided

Web

2022-02-11

Closed with explanation

Yes

2023-05-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

IL

60621

Consent provided

Web

2023-05-17

Closed with explanation

Yes

2021-04-09

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

On XX/XX/XXXX I checked my Transunion credit score through XXXX XXXX and my score decreased by 71 points. The only change that was made was that I made a payment on my XXXX account to decrease my credit card utilization which went from 80 % to 53 %. My credit score should not have dropped because of paying down a revolving account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75104

Consent provided

Web

2021-04-09

Closed with explanation

Yes

2023-05-15

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

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXXXXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report XXXX. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach XXXX documents that XXXX XXXXXXXX XXXX and Experian provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error XXXX ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error XXXX ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error XXXX ). Upon examining the provided documents is you will find a credit limit. The Experian Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error XXXX ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error XXXX ). Recent Balance is ( NOT REPORTED ) ( Error XXXX ). The payment history has been left blank ( INACCURATE ) ( Error XXXX ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXXXXXX XXXX XXXX

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

Experian Information Solutions Inc.

MT

59101

Servicemember

Consent provided

Web

2023-05-15

Closed with explanation

Yes

2022-12-12

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 confidentially under 15 USC 1681. accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & out # XXXX, 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 a reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

MA

021XX

Consent provided

Web

2022-12-12

Closed with explanation

Yes

2017-11-08

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

I do not have a signed contract nor any contract with CommonWealth Financial. I have never done business with this company. I am not liable for collection from this debt from CommonWealth Financial. I am not responsible for this debt with XXXX XXXX XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt.

Commonwealth Financial Systems, Inc.

FL

XXXXX

Servicemember

Consent provided

Web

2017-11-08

Closed with explanation

Yes

2018-10-19

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I submitted a payment to XXXX XXXX XXXX in the amount of {$130.00} on XX/XX/2018. However, I was charged twice for this payment. I noticed the error on the same day as the second transaction was posted to my account and immediately notified the company. I was told that they will issue a refund, but that it would take 60 - 90 days to get back to me. That is 2 - 3 months. The irony of the situation is almost too much to bare ; during my time as a customer with XXXX XXXX XXXX I, too, was unable to pay them for a period of 90 days. I was reported to the credit bureaus, without notification, and as a result my credit situation has been damaged for the better part of a decade. Thus, I must contend that XXXX XXXX XXXX, lacks an adequate process to manage a timely resolution for their customers in the event of an accidental, or erroneous charge.I also assert that they lack adequate customer service capacity, as every call I have ever had with them has been frustrating, fruitless, and entirely unhelpful. Because XXXX XXXX XXXX is either unable, or unwilling, to return my funds to me in a timely manner, I have also disputed the charge with my banking institution, and have asked them to assist me in recovering the funds that were erroneously withdrawn from my account, and were not being returned.

AES/PHEAA

FL

32789

Consent provided

Web

2018-10-19

Closed with explanation

Yes

2020-09-11

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

Credit reporting

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

Their investigation did not fix an error on your report

They are reporting a 90 day late payment for XX/XX/2020 when I paid on time in XX/XX/2020. How can I pay on time in XX/XX/2020, and then become 90 days late for XX/XX/2020? From my understanding, I would have to have been 3 months late to receive a 90 day late on my credit report.

EQUIFAX, INC.

LA

70131

Consent provided

Web

2020-09-11

Closed with explanation

Yes

2021-11-09

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

Credit reporting

Incorrect information on your report

Personal information incorrect

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX Date Updated : XX/XX/2021

EQUIFAX, INC.

FL

34221

Consent provided

Web

2021-11-09

Closed with explanation

Yes

2022-02-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00}, XXXX XXXX XXXX Inquired on XX/XX/2021, XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/Experian/XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

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

Experian Information Solutions Inc.

FL

XXXXX

Consent provided

Web

2022-02-22

Closed with non-monetary relief

Yes

2019-06-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Shows on my credit report as an account that was allegedly mine. Reported as a charged off account with a balance of {$700.00} and a credit usage of {$660.00}. If tried to dispute the account because I have never owned this account or any first premier products or services. I keep being reported negatively. I don't know what else to do as a consumer since this is the only thing that i negatively reflecting on my credit, i tried disputing it i don't have an account number, don't own a first premiere card. Basically the company wants me to assume responsibility for an account/bill i have not seen in the mail or encountered.

EQUIFAX, INC.

NY

11434

Consent provided

Web

2019-06-11

Closed with explanation

Yes

2019-03-16

Checking or savings account

Other banking product or service

Closing an account

Funds not received from closed account

On the XX/XX/2019 a savings account was closed at Capital One 360 and the remaining amount to be mailed out is {$480.00}. The customer service representative stated that it should take between 5 to10 business until receipt of the check. It is now XX/XX/2019 and I have yet to receive the check from Capital One 360. I have called several times to check on the status to no avail. Customer service keeps bouncing me to another department that handles the account that is either never available, and never gets back to you when leaving a message. It is now close to a month of dealing with this bank with this issue, and yet nothing is being resolved. I just want my funds made available as soon as possible!

CAPITAL ONE FINANCIAL CORPORATION

NJ

07055

Consent provided

Web

2019-03-16

Closed with explanation

Yes

2017-06-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE AN ACCOUNT FROM XXXX XXXX XXXX XXXX SHOWING AS A CHARGE OFF ACCOUNT. THIS IS NOT MY ACCOUNT AND SHOULD NOT BE ON MY CREDIT REPORT. I HAVE CONTACTED XXXX IN REGARDS TO THIS ACCOUNT MANY DIFFERENT TIMES AND THE ACCOUNT IS STILL SHOWING ON MY CREDIT REPORT.

EQUIFAX, INC.

PA

19142

Consent provided

Web

2017-06-12

Closed with explanation

Yes

2021-10-16

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

XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.

EQUIFAX, INC.

TX

77493

Servicemember

Consent provided

Web

2021-10-16

Closed with explanation

Yes

2023-08-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is the several times I've complained about being a victim of identity theft. You must remove/block any accounts that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

EQUIFAX, INC.

MI

493XX

Consent provided

Web

2023-08-07

Closed with explanation

Yes

2023-07-19

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have attached all of the accounts in question that MUST be removed from my credit report. I have highlighted all data, inconsistencies, etc that must be removed and the violations. I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )? Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, actually has exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one account number that would be supposed truly and provable mine yet not even exposed at all? As example, if were 4 redacted values in any truncated number, there is at least XXXX potential account numbers ( XXXX ) that would satisfy filling in those redacted values yet only one COULD BE THAT OF THIS REPORTING. MATHEMATICALLY, IT IS IMPOSSIBLE FOR ANY ALLEGING DATA REPORTER OR ANY ACCEPTING REPOSITORY OF DATA TO KNOW IN CERTAINTY THE CLAIMS MADE ARE FACTUAL, VERIFIABLE, VALIDATABLE, COMPLIANT, MUCH LESS CONFIRMATIONAL if said considered information is from a concerning truncation. Another potential ailment in the reported claims adherence to requirements appears to be the reported base field 15 related to the scheduled monthly payment amount. This deviation highlights the likelihood of questionable reporting, an infraction of the ethical and lawful reporting practices of each or either the alleging data reporting furnisher and any accepting repository. The universal requisites, at a minimum, includes adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the Metro 2 data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenging of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized Metro 2 format. CLEARLY INACCURACIES CANT BE CERTIFIABLY COMPLIANT! I ask, DID OR NOT THE accusing REPORTER actually SATISFY THEIR very CONDITIONAL PRIVILEGE TO even REPORT? As you are aware and as I too am aware as a litigious currently injured consumer, THERE IS NO " RIGHT TO REPORT ''. I n addition t o m y CONTEST of THE data reporter 's claim ( s ) ' REPORTABILITY, understand also this IS TO CHALLENGE THAT SAME REPORTER and or any accepting repository ( yourself included ) to demonstrate or make demonstrated PROOF that a confirm-able ( certifiable ) compliant reporting process was used. This demand is to include in that certified compliant reporting process evidence ensuring that the mandatorily utilized Metro 2 Data-filled field formatted reporting standards WAS IN fact perfect as used. Per CDIA 's own most recently rendered version of the CRRG manual it is stated in clarity on 3-4 that there can be no deviation from the standards nor omitting of requisite reported aspects without jeopardizing the integrity of the data alleged. Additionally stated are the guidelines that are purposed for the ensuring of consumer reporting to be most fair, true, correct, timely, and complete in total agreement with at least the FCBA, FCRA ECOA and all applicable state laws. Clearly, failure to prove a certifiably compliant reporting process potentially lends to bringing concerns that the alleged claim ( s ) by any or each reporter is questionable, at least. There is no assumption by me as the potentially injured consumer that the information reporting seemingly deficient of each any and all of the mandatory requirements in regard to the standards indicates certainty of any claim having been made by reporter known to be untrue, incorrect, untimely, incomplete, unverifiable, invalid, nor otherwise improperly reported. However, let me remind you of the fact that it is the onus of the reporter ( not consumer ) to present and or provide ONLY DATA THAT IS UNQUESTIONABLY provable as true, timely, correct, and is adequately complete information of which is also factually verifiable as even being undeniable in its validity in total adherence to any and all of the mandates with absolute accordance to at least the FCBA FCRA ECOA and each any and all applicable state laws. In was suggested by the CDIA and is my agreed opinion that ONLY confirmable certified compliance to the Metro 2 format gives greatest assurance that the reporter did on fact report fairly and otherwise ethically within the regulations of which were deliberately designed to limit or eradicate injurious misrepresented information accused of and reported against a consumer. XXXX CHECK IF OR NOT REPORTER TRULY SATISFIED MINIMUM CRITERIA TO HAVE GAINED THE PRIVILEGE TO REPORT? XXXX IF STATED OR ASSUMED SO, REQUIRE THE REPORTER TO CONFIRM THEIR PRACTICES OF REPORTING IS ACCORDING TO EACH THE STATE AND FEDERAL LAWS AS WELL AS TO THE INDUSTRY REQUIRED STANDARDS, NAMELY IN PERFECT ADHERENCE TO THE REQUISITE REPORTED METRO 2 FORMAT? XXXX IF BOTH ABOVE IS CLAIMED YES OR ASSUMED SO, THEN EXPLAIN HOW IT IS THERE EXISTS " DEVIATIONS '' WITHIN THAT MANDATORILY UTILIZED STANDARD FORMAT OR OMITTANCE FROM IT OF REQUISITE REPORTED ACCOUNT DATA THAT might be specific to a particular industry type or primary negativity issue? XXXX if the standards are flawed, explain how it can be feasible to suggest that ANY information alleged was done so to the federal mandates/laws which REQUIRE ONLY DATA REPORTED TO BE DONE SO VERIFIABLY AND VALIDATED AND TO A DEGREE NO LESSER THAN THAT OF A MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. XXXX SEEING how the reporter continues reporting despite flawed reporting practices, how is it assumable the reporter is not misreporting in willful noncompliance, even willfully in recklessness? > finally, as an accepting repository, it is your duty to ensure the information you gather is in fact adequate and fair, especially upon notification that some data is potentially not so. If you are continually going to report for reporter accusing me of negativity injurious to my credit worthiness, how can I assume youre not willfully noncompliant and reckless yourself? Might be wiser you require the accusing reporter to do so in full alignment with the very industry standards and in total accordance with each any and all laws required of both you and the reporting entity involved with Derogatory claims versus me. Further, might be advisable that you immediately and continuously remove from reporting each any and all claims versus me deficient of the perfect adhering to the reporting standards and regulations of reporting, be them mentioned or not, until a date no sooner than each circumstance for ethical lawful fully compliant reporting can be and IS ACHIEVED, DOCUMENTED, AND A NOTICE RETURNED TO ME ALERTING ME OF SUCH CERTIFIABLY COMPLIANT REPORTING OF DEROGATORINESS RETURNING TO REPORTING AGAINST ME, within 5 days of such if occurs! Finally, I am within my rights to demand that you timely investigate then send me an updated report displaying your then-adequacy in that the argued points within this complaint will have rendered your De Riguer-like actions to remove from reporting the data of the opposed reporter ( s ), temporarily at least. If and when the alleging data reporting furnisher ( s ) makes good on its reporting practices and information, and you again accept its reporting, I demand it only be so in a manner of provable compliance in every aspect of concern. Closing Professionally My requisite reported first and last name is exactly XXXX XXXX XXXXplease note any included image proofs of my non-contested personal identifier information data.

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

Experian Information Solutions Inc.

TX

77034

Consent provided

Web

2023-07-19

Closed with explanation

Yes

2022-03-20

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33064

Consent provided

Web

2022-03-20

Closed with non-monetary relief

Yes

2019-11-25

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

After speaking to my insurance company regarding payment of the claims, my insurance informed me that they had requested the company call them and/or submit additional information regarding the claims. My insurance company informed me that because CAC XXXX did not communicate and respond to them the claims were not paid. After my dispute of the 8 different collections on my credit reports ( XXXX, XXXX and XXXX ) it appears the CAC removed the collections in XXXX, 2019 and resubmitted them as new in XXXX, 2019.

CAC Financial Corp

TX

XXXXX

Consent provided

Web

2019-11-25

Closed with explanation

Yes

2022-11-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

CA

90805

Consent provided

Web

2022-11-05

Closed with explanation

Yes

2023-01-12

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

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

618XX

Consent provided

Web

2023-01-12

Closed with non-monetary relief

Yes

2022-08-31

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

DE

19802

Consent provided

Web

2022-08-31

Closed with explanation

Yes

2020-02-20

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Creditor Information XXXX XXXX XXXX {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

EQUIFAX, INC.

CA

90241

Consent provided

Web

2020-02-20

Closed with explanation

Yes

2021-03-30

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

I fear I am the victim of discrimination by the American Express corporation. I received a promotional offer on my account to upgrade from their Hilton Surpass to their Hilton XXXX card, yet when I accepted their offer they informed me that the offer was not valid. Their response is very obtuse, puzzlingly alluding to some vague, unspecified issue that they claim may or may not have impacted my account. Amex asked me to be patient while they researched this issue, as you'll see in their correspondence to me from XX/XX/2021 ( copy attached ), but over six more weeks have passed and I still do not have resolution to my concerns. Further, overwhelming evidence is amassing on various consumer websites suggesting, strongly, that other Amex customers encountered the same issue yet were upgraded, given preferential treatment for not complaining to the XXXX or CFPB. I have a perfect payment record with Amex and am sickened and repulsed by their callous, dismissive treatment. I ask that you launch an aggressive investigation.

AMERICAN EXPRESS COMPANY

NC

28078

Older American

Consent provided

Web

2021-03-30

Closed with explanation

Yes

2022-05-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C 1681 section 602A. States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnisg 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 crime which antedates the report by more than seven years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

77901

Consent provided

Web

2022-05-19

Closed with explanation

Yes

2019-09-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Looking to apply for credit and found a number of inquiries that I did not make or give permission.

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

Experian Information Solutions Inc.

NC

27284

Consent provided

Web

2019-09-28

Closed with explanation

Yes

2017-10-25

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have filed a complaint against XXXX XXXX XXXX XXXX or more times for this same issue. They falsely report payments as late then when a complaint is filed they admit it is wrong and remove them only to put the same information back on my account a couple months later. They are falsely reporting that I have XXXX late payments.

EQUIFAX, INC.

MD

216XX

Consent provided

Web

2017-10-25

Closed with explanation

Yes

2023-06-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20902

Consent provided

Web

2023-06-30

Closed with non-monetary relief

Yes

2017-08-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

Loancare is our loan service provider for our mortgage. We set up an automated payment request for the XX/XX/XXXX to pay our XXXX mortgage payment since we would be traveling out of state from XXXX XXXX - XXXX. We did not have access to email or XXXX mail until we returned on the XX/XX/XXXX, but did have cell phone access during the entire trip. OnXX/XX/XXXX we received notification that our mortgage payment for XXXX XXXX was not made in a timely manner and that Loancare reported us 30 days late to the credit reporting agencies. Upon contacting Loancare, we found that the automated payment was not accepted. When asking why we were not immediately contacted, they told us that they had been reaching out via telephone, but upon further inquiry, they admitted they had the wrong phone contact number in their system and was unsuccessful in reaching me. Furthermore, the letter that was sent to us stating we are late for XXXX was dated XX/XX/XXXX, post marked XX/XX/XXXX and not received by us until XX/XX/XXXX. Clearly we were not notified from Loancare that the payment we had submitted was not processed and immediately upon finding out, we corrected the problem. It is for the reasons stated, specifically the wrong contact information and mailing of the late notice so late in the month, that we are requesting a credit suppression for the 30 day late report they are ruining our credit file with. On XX/XX/XXXX we requested a one time credit suppression due to the unique nature of this problem and Loancare states on their website that " within 15 calendar days following the receipt of an inquiry, we will provide a written response that includes details of how the inquiry has been resolved. This would be XX/XX/XXXX. A resolution was never given. Furthermore, they state that withing 5 days of the inquiry, " we will provide you with a case number and a toll-free number to call to discuss the issue and a resolution. '' This toll-free number was NEVER provided and NOBODY has ever discussed the case with us. This issue has now caused our credit FICO score to reduce by 60 points. We are currently working with XXXX XXXX XXXX XXXX to secure a mortgage on a new home and need to have this issue resolved prior to XX/XX/XXXX ( which according to the Loancare website should have been resolved by the 20th ) or we will lose our mortgage commitment and our new home. We have made a reasonable request for Loancare to suppress the erroneous reporting based on them having improper contact information and Loancare is acting unreasonably. Especially considering that we have NEVER been late on ANY payment to Loancare or any other creditor in the last 14 years.

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

LoanCare, LLC

NJ

08723

Consent provided

Web

2017-08-18

Closed with explanation

Yes

2023-06-07

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

Dear CFPB, This letter is a complaint regarding the Wells Fargo Bank XXXX XXXX XXXX 's negative handling and lack of response to disputes between customers and merchants, where they simply collect salaries without performing their duties. Recently, I made a purchase from a merchant on XXXX. The seller claimed to offer free returns and a 75-day buying protection. However, when I tried to return the item a month later, I discovered that the seller did not honor their guarantee of free returns and even refused to accept the return. I have already filed a complaint with the XXXX, but XXXX has never responded to any of the consumer complaints and continues to conduct business in the United States. Frustrated by this situation, I had to initiate a dispute. However, during the process, I found that my bank was handling my dispute in a passive manner. They readily refunded for inexpensive items but claimed to have filed a case for larger amounts after I provided details over the phone. After waiting for several weeks without receiving a claim ID email, I made two phone calls to inquire about my ID. Surprisingly, the bank informed me that they were unable to provide a claim ID. I asked them how I would know if they had completed the work without a claim ID. During the phone call, I provided all the details I knew when I submitted the dispute, albeit only verbally. The bank 's passive handling involved categorizing these cases as " lack of evidence '' and deliberately disconnecting calls, stalling the process until I asked again, only to be told they couldn't provide an ID. It seems that this bank employs these complex and burdensome tactics to discourage new immigrants from pursuing disputes, thus reducing their workload. If such difficulties arise during the application phase, I seriously doubt their ability to handle my dispute. I request that the authorities exercise oversight and management of banks, preventing them from resorting to such unethical practices of reducing their workload by exploiting language barriers faced by new immigrants while still collecting fees without fulfilling their responsibilities. Sincerely, XXXX

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

WELLS FARGO & COMPANY

TX

78626

Consent provided

Web

2023-06-07

Closed with explanation

Yes

2022-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was the victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} DOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX GEORGIA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

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

Experian Information Solutions Inc.

GA

30052

Consent provided

Web

2022-07-29

Closed with non-monetary relief

Yes

2021-11-30

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

Credit reporting

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

Investigation took more than 30 days

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75038

Consent provided

Web

2021-11-30

Closed with non-monetary relief

Yes

2019-06-25

Debt collection

Auto debt

Written notification about debt

Didn't receive notice of right to dispute

Hi I'm XXXX XXXX, I was have insurance with the general insurance and im never receive any mailing to know how I pay and after that they send it in XXXX XXXX, I need to dispute with them the account number XXXX and apologize thank you my phone number XXXX

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

CT

06902

Consent provided

Web

2019-06-25

Closed with explanation

Yes

2023-04-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$2500.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX Balance : {$0.00}, XXXX ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX Balance : {$3200.00}, XXXX XX/XX/XXXX, XXXX XX/XX/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

33055

Consent provided

Web

2023-04-17

Closed with non-monetary relief

Yes

2023-07-28

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30297

Consent provided

Web

2023-07-28

Closed with non-monetary relief

Yes

2019-02-16

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

On Wednesday XX/XX/XXXX this company left a voicemail to return a call did not leave a name but said it was in reference to legal documents from the clerks office document # XXXX. That same day they called my father in laws cell phone number. On XX/XX/XXXX they called my daughters cell phone number as well. I do not know who they are I called but they are closed when I get off of work. I do not have any lawsuits against me and this company has not called my direct cell phone. They are calling relatives and giving this information to them or leaving it on their voice mails. These numbers they are contacting I have never given out so I do not know how they are getting this information. Also I have never received a collection letter from this company. The company name is National services group. Phone # XXXX

National Account Services Group, LLC.

TX

78217

Consent provided

Web

2019-02-25

Untimely response

No

2023-01-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX account # XXXX Has violated my rights. XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions

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

Experian Information Solutions Inc.

PA

187XX

Servicemember

Consent provided

Web

2023-01-11

Closed with non-monetary relief

Yes

2019-10-16

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

LET ME KNOW THE REASON AS TO WHY THE NEGATIVE ACCOUNT FOR XXXX/XXXX XXXX IS STILL REPORTING ON MY CURRENT CREDIT REPORTS. THE ACCOUNT IS FROM 2015 WITH NO BALANCE AND IS REPORTING LATE PAYMENTS OF 90 DAYS. PLEASE TAKE THE TIME TO INFORM ONTO WHY THE ACCOUNT IS STILL ON HERE. I HAVE ATTEMPTED SEVERAL TIMES AT REMOVING IT, AND NOTHING HAS BEEN DONE ABOUT IT.

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

Experian Information Solutions Inc.

IN

46383

Consent provided

Web

2019-10-16

Closed with explanation

Yes

2023-01-25

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have contacted Affirm and XXXX 3 times requesting proof of an account that has been listed on my credit report. Under the New Rule REGULATION F which took effect XX/XX/2021. Affirm and XXXX has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. AFFIRM INC Account # : -- XXXX -- High Balance : -- {$1200.00}

Affirm Holdings, Inc

NJ

08638

Consent provided

Web

2023-01-25

Closed with explanation

Yes

2019-01-16

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

Credit reporting

Incorrect information on your report

Account status incorrect

I contacted EQUIFAX regarding an account reported by them as late payment to correct it. Equifax never communicate back to me regarding the account. I contacted XXXX College been on record per Equifax, they report the late payment. XXXX College advised that they are not responsible for reporting to the credit bureaus, all payments and reports are handle by XXXX on behalf of all the school. The said account is a student loan reported under my social security number reported by XXXX College according to the information on file with Equifax. XXXX College is the college I graduated from. While in college I took a federal student loan and upon graduation the loan is and has been managed by XXXX on behalf of XXXX University of XXXX XXXX under account number XXXX, which is also on file with EQUIFAX and the status is current. There should not be two different reporting for one single account. The loan amount is {$3600.00} under the account number XXXX, and I made a payment of {$40.00} on XX/XX/19. I contacted XXXX they advised that my account is current and no negative reporting has been made. They clearly stated that XXXX college does not report or handle this account, and there should be only one single account reported to the bureaus not two different reporting and that report should come them not the college.

EQUIFAX, INC.

NY

10456

Consent provided

Web

2019-01-16

Closed with explanation

Yes

2022-05-24

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

Credit reporting

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

Their investigation did not fix an error on your report

I contacted this company XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for VALIDATION of some accounts which by law I have this right. The company responds back VERIFIED but FAILED to show HOW as I requested all three times. My three collections, HOW did you validate? I can say for a fact that I have proof eastern account systems is inaccurate being I have actual proof XXXX was PAID. How was XXXX verified? So how is it exactly these accounts validated? I have a right to know and if this was not done, removal. I have a right to see the contract to each of these companies showing I owe them by terms of a contract with my signature, This is my right to obtain this and this is by law the only way they can be reported on my report. This contract is to show their company names and my signature to be a valid debt by law. The accounts by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX are all INACCURATELY REPORTING. These XXXX accounts show XXXX in payment history, they show 100 % payments on time but yet CHARGE offs! Law code 15 is code 1679c states ALL INACCURATE ACCOUNTS ARE TO BE REMOVED IMMEDIATELY! I asked to validate XXXX XXXX and XXXX XXXX also to a simple valid. How was this validated? When I questioned inquiries I was IGNORED. I called each of these companies and they have no record of me and told me to contact the reporting agency, so why am I being ignored? Who is XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX XXXX XX/XX/XXXX.

EQUIFAX, INC.

NY

14224

Consent provided

Web

2022-05-24

Closed with explanation

Yes

2021-08-17

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

Midland is on my credit reporting and been negatively reporting for years on a debt thats not mine.

ENCORE CAPITAL GROUP INC.

LA

70005

Consent provided

Web

2021-08-17

Closed with explanation

Yes

2017-05-04

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

World Recovery Service ( WRS ) collected on a debt that I had back in XXXX of XXXX . I received a letter from WRS that states that the account in question was paid in full. In XXXX XXXX I received a phone call from a lawyers office stating that the original creditor was taking me to court because I did not pay my debt. I explained that I did pay my debt and that it was paid to WRS and they sent me a letter proving that my debt had been paid in full. The person told me that they had a string of debt collection agencies that had the debt after WRS. This means that WRS collected the debt but did not report it properly and allowed the debt account to be sold off to another company to collect on. WRS received money from me to pay of my debt and from another collection agency when they sold the debt to them to be collected on. I 'm not sure if this is just a mistake or if this is a trend with their business. I would like for someone other than the business itself to look into this matter to determine if they are failing to report payments they collect purposely and getting paid twice or if this was a one time error.

World Recovery Service, LLC

VA

22180

Consent provided

Web

2017-05-04

Untimely response

No

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

Nothing has been done on these accounts. There are numerous violations showing on my report. There are accounts that XXXX stated, were deleted, after their investigation. However, they are still showing on my report well over a month after they completed their so-called investigation. Also there have been 21 accounts added by Experian, after their investigation, that were not reported previously. These are accounts that are several years old, that the other two were reporting already. I have called all three Bureaus to dispute these issues and all I am told is that I basically have no control over what is done because they can report whatever they want. They would not tell me who did my investigation and I want all the information pertaining to the investigation they claim to have performed. I want the name of my investigator, their role in the company, who they spoke to, and if they contacted everyone that they are legally required to contact according to the FCRA. I will be notifying the Attorney General over this and I will be seeking litigation if nothing changes. How can my credit report be accurate if all three Bureaus are reporting something different? I have documented all the violations over the last 5 months, and I am prepared to take things to the next step legally to make sure that all the information on my credit report is accurate.

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

Experian Information Solutions Inc.

TN

37355

Servicemember

Consent provided

Web

2022-10-24

Closed with explanation

Yes

2017-12-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

multiple accounts opened in my name, have never lived at any of the addresses associated with the accounts. Have tried to dispute on XXXX XXXX.

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

Experian Information Solutions Inc.

TX

760XX

Consent provided

Web

2017-12-07

Closed with explanation

Yes

2021-07-31

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I have been trying to get my credit reports since XX/XX/XXXX. I filed a Chapter BK in XXXX of XXXX and it was discharged in XXXX. Equifax has removed 90 % of my history. I had to send a 10 page fax proving my identity. I still can not access my report. XXXX also has identity issues but I can get to a partial report online. XXXX also has me blocked from obtaining my report even after uploading on my phone to the representative who said I would be able to access. I have had a 160 point drop in my score. I have been denied PPP, FEMA and SBA assistance and nobody will disclose why. I had no issues with my Covid tax stimulus or IRS Tax return but in XXXX when my score dropped, and Equifax removed most all of my history I can not access ID.me for the IRS, SSA, and I have not gotten my unemployment credit not advanced child tax credit payments. I have a medical collection bill that was paid in full by XXXX XXXX XXXX XXXXXXXX XXXX XXXX that was sold to collections for {$250.00} and never got a bill. I have been working with two debit collectors, the insurance and medicaid. Every month its worse. Multiple debt collectors discharged in BK in XXXX are reporting discharged debt and selling to new collectors. I need help.

EQUIFAX, INC.

OK

74074

Servicemember

Consent provided

Web

2021-07-31

Closed with explanation

Yes

2021-01-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX balance of {$3000.00} is incorrect. Provided supporting documentation to creditor and reporting agencies validating correct amount of debt. Refuse to look into my documents and continues to report incorrectly to my credit.

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

Experian Information Solutions Inc.

NC

28212

Consent provided

Web

2021-01-22

Closed with explanation

Yes

2020-10-27

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

I work for Synchrony. Multiple times, in a couple of years but especially in the pandemic, has taken payments through XXXX XXXX XXXX and had the incorrect amounts taken. I have raised my complaints within the company of Synchrony and directly through XXXX XXXX to be shot down every time. This is such a widespread problem throughout Synchrony and XXXX XXXX to be estimated in millions of losses for our consumers. The problem continues to persist and Synchrony and XXXX XXXX are either not acknowledging the problem or profiting from it. I can not explain the number or volume of complaints that we have received in response to this problem. Synchrony and XXXX XXXX are both responsible for these problems.

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

SYNCHRONY FINANCIAL

SD

577XX

Consent provided

Web

2020-10-27

Closed with explanation

Yes

2022-08-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The complaint alleges the violations of the Consumer Financial Protection Act of 2010 ( CFPA ) ; 12 U.S.C. 5531, 5536 ( a ), 5564, 5565 ; and the Fair Debt Collection Practices Act ( FDCPA ) ; 15 U.S.C. 1692-1692p ; in connection with debt collection act and practices. In accordance with the Fair Credit Reporting act ( FCRA ) ; XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

442XX

Consent provided

Web

2022-08-12

Closed with non-monetary relief

Yes

2022-09-29

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have put claims in with all credit bureaus. A few have fixed some false information. Other do not have proof or legal right to report the way it is being reported. These companies are not a real credit bureaus. They all need to be held accountable for reporting my scores incorrectly. They will not give me the information or transmissions to the companys they are reporting for. By law they have to or fix my credit to its proper and higher score. Lastly, they all are showing different scores and different reporting of information which is also not lawful. I have submitted multiple claims to have resolved and nothing is being done.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

313XX

Servicemember

Consent provided

Web

2022-09-29

Closed with explanation

Yes

2020-06-17

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I pay XXXX a month to experian so I can see my scores with the 3 credit bureaus. My scores with Experian are in the 6 's, when I got to other sites like XXXX, XXXX XXXX XXXX XXXX my scores are in the 5 's, this is a 100 point difference! These scores are in the month of XXXX, why is there such a big difference? Is experian being honest, it does not seem to be. Please explain! Thank You!

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

Experian Information Solutions Inc.

MA

01824

Consent provided

Web

2020-06-17

Closed with explanation

Yes

2023-08-19

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

And as far as dates and times this has been going on for years I finally decided to fight back I'll get as close as I can on the dates from XX/XX/XXXX all the way up to XX/XX/XXXX every day they would call even on the weekends then I heard if you use the word stop, then they would stop and it did. Then the letters started coming and I found some in accurate information XXXX XXXX, XXXX XXXX. I wrote letters to all of them asking them for a detailed account of the information they had I told him they have 30 days to respond. This was sent on XX/XX/XXXX. No response then I got to looking at the dates on what was being reported and found with all three agencies that there's inconsistencies in their dates and Active this is incorrect or this is why I am writing to you. I am familiar with something called 15 USC section 168. I heard that if you can provide proof these cards must be deleted and I want these accounts deleted if they are not 100 % correct please investigate I know you have 30 days to complete an investigation. Can you please remove them

ENCORE CAPITAL GROUP INC.

ND

58801

Consent provided

Web

2023-08-19

Closed with explanation

Yes

2022-07-18

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I received, via USPS, a letter from American Coradius International LLC that I owed XXXX {$680.00}. I do not have a XXXX account. I had one many years ago and have not used XXXX in years. I tried to call the company, someone picked up the telephone, but did not speak. I also didn't speak, but listened to people speaking in the background, the person breathing on the telephone. After 5 minutes, I hung up. I then contacted the FTC and I was instructed to look at my 3 credit reports to see if this fee was on there. There is nothing on the 3 credit bureaus reporting this debt. I was a victim of Identity Theft in XX/XX/XXXX and XX/XX/XXXX, as someone filed for unemployment under my name. No funds were ever paid out and I had the 3 credit bureaus freeze my credit. I unfroze the credit the summer of XXXX.

American Coradius International LLC

IL

60439

Servicemember

Consent provided

Web

2022-07-18

Closed with explanation

Yes

2023-07-14

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. Below are the negative account/accounts impacting my credit DEPT OF EDUCATION/XXXX XXXX {$23000.00} XX/XX/XXXX DEPT OF EDUACTIONXXXX XXXX {$17000.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60652

Consent provided

Web

2023-07-14

Closed with explanation

Yes

2023-02-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

MS

XXXXX

Consent provided

Web

2023-02-22

Closed with non-monetary relief

Yes

2023-02-01

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

Credit reporting

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

Was not notified of investigation status or results

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX XXXX. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.

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

Experian Information Solutions Inc.

CA

90047

Consent provided

Web

2023-02-01

Closed with non-monetary relief

Yes

2020-05-24

Checking or savings account

Checking account

Problem caused by your funds being low

Non-sufficient funds and associated fees

I am in a homeless shelter in XXXX XXXX and need medication I have an emergency. My debit card number is : XXXX. My name is XXXX XXXX XXXX. My email is XXXX. My phone is XXXX. I need medication and need to reach someone immediately. Preferably a supervisor. There must be someone in charge even though it is XXXX XXXX weekend and there is limited contact because of the virus. But there must be someone in charge for emergencies. My account was closed because I had a negative balance of {$290.00}. Which is fine. I don't want to bank with a bank that won't give a customer time to cover a negative balance. I am homeless and living in a shelter but was XXXX. A charity deposited {$5000.00} for me. I called to get the money from the deposited check released but they told me the check was no good. This is ridiculous. It is a reputable charity and credit union and the check is perfectly good. The validity of the check that was deposited can be easily checked with the head of the charity or the credit union it came from. Of course, the negative balance can be deducted. I need emergency access to the funds. I have called many different Chase numbers. At first, it's 24-hour customer service line answered. I called 3 times and explained the situation and to please get me in touch with whoever was in charge of emergencies. I was switched to a department that was closed every time and got a recording and a disconnect. I called every other number I could find for Chase and they all had recordings saying they were closed. I don't know if there is a specific rule requiring banks to have someone on call at all times for emergencies, but there should be. Especially a bank as large as Chase. I posted what was going on on the XXXX XXXX account by mistake and they responded within an hour. I do know there are many rules and policies requiring banks to make funds available from deposited checks. The FDIC policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Under TheExpedited Funds Availability Act there are time limits too. I don't know what Chase used to determine that the deposit in question was suspicious for fraud, but whatever they did was obviously deficient. The supervisor I talked to only took less than 5 minutes to check. At least as a practical matter, banks should be required to be sure they have in place a reliable system.

JPMORGAN CHASE & CO.

CA

92101

Consent provided

Web

2020-05-24

Closed with explanation

Yes

2023-06-30

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

Credit reporting

Incorrect information on your report

Personal information incorrect

In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy. 15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

322XX

Consent provided

Web

2023-06-30

Closed with non-monetary relief

Yes

2023-01-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

A fraudulent account was opened up in my name with XXXX XXXX XXXX XXXX and they are refusing to block/remove this fraudulent account from my Experian Credit Report, which they are violating the 15 U.S. Code 1681c-2 and 15 U.S.C. 1681b and 18 U.S.C. 1028A. My next steps is to take Experian and XXXX XXXX XXXX to court to file a lawsuit. A resolution would be for Experian to remove this fraudulent account from my credit report immediately and comply to the laws above in this paragraph.

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

Experian Information Solutions Inc.

GA

30909

Consent provided

Web

2023-01-08

Closed with explanation

Yes

2023-06-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

After purchasing a car my credit dropped which was expected so I continued to live life normal and pay off my credit and pay my car loan on time. Then all of a sudden I check my credit a month or two later and it continued to drop, the reason why was because of " personal loans '' that were opened and loans that are past due, they are opened with Affirm INC . I can see only partial of the account numbers that are associated with the loans. I cant see the location they were opened with, the email, nor the name. I have no way of going into this account to close it, I have no way to let customer service know the account numbers for the loan so they can pause it or close the account down. But they are connected with my credit and it is dropping it tremendously. ( over 100 points )

Affirm Holdings, Inc

MD

217XX

Consent provided

Web

2023-06-12

Closed with explanation

Yes

2022-11-12

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian and XXXX to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$28000.00}

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

Experian Information Solutions Inc.

CA

91737

Consent provided

Web

2022-11-12

Closed with non-monetary relief

Yes