Datasets:

aciborowska

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customers-complaints-test

like 0

2019-11-22

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.

United Collection Bureau, Inc.

IL

XXXXX

Consent provided

Web

2019-11-22

Closed with explanation

Yes

2019-04-10

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank.

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

BARCLAYS BANK DELAWARE

VA

23112

Consent provided

Web

2019-04-10

Closed with explanation

Yes

2021-08-09

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I have had so many problems with Wells Fargo bank that it sad that Wells Fargo bank are taking advantage of the consumers that has trusted Wells Fargo bank with their money and especially mine I am XXXX and I thought that this banking institution would help me succeed and help me to become financially stable surely this is not the case. As a Wells Fargo bank instead of helping the consumers to become financially stable it has caused even the bankers at this institution to force those bankers to open up fake accounts with the consumers permission. With out authorization from the consumers knowledge. It's a total disgrace for this institution to take advantage of the consumers as well as my self taking advantage of me as a Wells Fargo customer. This is not professional by any means. This institution has been sued for discrimination and has been sued for forging people names on documents opening fake accounts with out the consent of those consumers knowledge. So after all of these things happening with these banking institutions to this by no means this should be justified and in all reality this is how the consumers are as well as myself being taken advantage of by these banking institutions and I know that slot of bankers are up under pressure to open 8 accounts with out the authorization of the consumers knowledge. The consumers has lost confidence with these bankers at Wells Fargo. Surely if a person is XXXX and maybe suffers with XXXX and XXXX XXXX that no consumer should be treated unfairly and to be taken advantage of by these banking institutions. Now we see and are in a pandemic now this institution is waiting to bring their families problems to work and to treat the consumers any kind of way. And taking their problems out on the consumers. Saying that they are not the one and gagging up on the consumers in their ears. And maybe trying to how hard they can be to the consumers and maybe the bankers at Wells Fargo bank is trying to impress a female banker or a man at Wells Fargo bank. Maybe this how these institutions are making their money by taking advantage of me And other consumers. Now I just want to let you all know that Wells Fargo bank sent me {$25.00} cashier 's check and I haven't signed the check because if I would have cashed that check it will be like that I have given them the permission to take that {$290.00} cents for that checking account. I know that maybe this institution may think that I am XXXX or maybe even slow or maybe this institution may think I am XXXX and maybe they think I am a alien or whatever. But I do know this I know when I am being taken advantage of just like the other consumers as Wells Fargo bank has done me And other consumers as well.

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

WELLS FARGO & COMPANY

AL

36330

Consent provided

Web

2021-08-09

Closed with monetary relief

Yes

2023-02-23

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 sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$4800.00} ; XXXX XX/XX/2021 XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$2400.00}

EQUIFAX, INC.

GA

30034

Consent provided

Web

2023-02-23

Closed with explanation

Yes

2023-06-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33771

Consent provided

Web

2023-06-06

Closed with non-monetary relief

Yes

2015-05-10

Debt collection

I do not know

Disclosure verification of debt

Right to dispute notice not received

On XXXX XXXX, XXXX, I sent a certified letter to XXXX XXXX. XXXX, vice president/trial counsel of XXXX XXXX XXXX XXXX, assignee to Credigy Receivables requesting them to verify a debt that has started in XXXX, but until now I have not received anything from them. They placed lien on my property in XXXX and XXXX but failed because the SSN who owes the debt was not mine. They also tried to foreclose on my property thereafter, and that also failed. This debt was not even ever in my credit report. What should I do next? Will you please help me?

CREDIGY USA CORP.

CA

92114

Consent provided

Web

2015-05-10

Closed with explanation

Yes

Yes

2018-11-22

Credit card or prepaid card

Store credit card

Struggling to pay your bill

Credit card company won't work with you while you're going through financial hardship

Have tried several times to explain my identity was stolen. This card could have been part of that issue. I had offered several times to make a payment on account to satisfy debt. Because if it's mine or not it's destroying my credit. My bill was around {$2300.00} since then I get calls 6 to 10 times a day. They report this is a reminder to pay. That's bull! Now with their added late fees and interest they continue to add to a closed account. The bill is way over {$4400.00} and it has no sign of stopping. I am planning on handing this to an attorney. Their tactics are aggressive and careless with no resolution except their terms. Under the far debt collection act I am protect from them being XXXX. They can make this right or be in court and prove I made these charges.

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

SYNCHRONY FINANCIAL

MN

566XX

Consent provided

Web

2018-11-22

Closed with explanation

Yes

2017-11-02

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I received a XXXX XXXX bill that was n't mine and XXXX XXXX XXXX

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

CA

93705

Servicemember

Consent provided

Web

2017-11-02

Closed with explanation

Yes

2021-03-18

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.

National Credit Systems,Inc.

MN

55904

Consent provided

Web

2021-03-18

Closed with explanation

Yes

2020-06-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

On XX/XX/XXXX I paid XXXX XXXX XXXX a deposit of {$3000.00} for cabinet refinishing and bunks at my Florida property. The job was supposed to be completed before XXXX. Mr XXXX removed the cabinets doors and took them off site and applied a thick coat of a paint product with a roller. The cabinet base resembled and orange peel which made me doubt his ability to do the work. He later informed me that he was taking a cruise on XX/XX/XXXX for a week. I cancelled my return flight from Florida to XXXX XX/XX/XXXX to supervise the remainder of the job he promised to finish. I lost my airfare and missed XXXX with my family. On or about XX/XX/XXXX Mr XXXX returned the cabinet doors and proceeded to spray them outside. This is a beach environment where humidity is high and wind is constant. There were particles and sand stuck in the paint all over the cabinet doors. He destroyed the cabinet faces for my kitchen and two bathrooms in one fell swoop. The doors were left outside for two weeks. I asked Mr XXXX to work on the other job until his return because I could see he was rushing the job and making a horrible mess. I waited until XX/XX/XXXX before I departed for XXXX. He did not contact me upon his return. He had taken all his equipment and my paint and material off the job site on that last day while I was out doing errands. He ghosted my job. I had discussed the issues at hand with a local contractor that eventually completed the job in mid XXXX. I spoke to Citi bank on or about XX/XX/XXXX on an unrelated matter and asked them why they had reversed the chargeback for XXXX XXXX XXXX without first giving me the opportunity to provide documentation. They told me it was procedure and to wait to receive copies of Mr XXXX documents and not to worry all I needed to do was respond. I departed to Florida again for the third time to supervise the work XX/XX/XXXX. The cabinets were an awful mess and the job took longer to complete than expected and in the meantime the WHO declared an emergency due to covid 19 pandemic. I submitted my documents together with my invoice and a statement from the contractor who completed the work. I attempted to contact Citi bank multiple times in XXXX and when I was finally able to reach somebody they told me the disputes department was not operational. In the interim they sent a letter to my home telling me my response was too late and the case was closed. I can tell you the merchant had at least 60 days to respond to my dispute. I was not given the same courtesy and worse, in a covid pandemic citi bank really prejudiced my position. Nobody was working how could I have not provided my documents in time? I had just received them before my flight on XX/XX/XXXX. The job completed a little less than two weeks later. When I had the invoice I submitted everything like Citi told me to do. I have since requested that citi bank reconsider their position and review my submission. On XX/XX/XXXX I contacted them again on an unrelated issue and discussed this matter again. I closed my account after ten years because of their lack of ethics. I paid an additional {$8000.00} to complete the job the first guy messed up. Its not right that I be forced to pay for work that was sub par and incomplete. Two people got paid for the same job. I needed new cabinets because of this but did not have the time to remedy them because this is a rental property. I lost revenue all winter because of Mr XXXX. Mr XXXX threatened me and called me names via txt when he found out about the dispute. When citi reversed the charges without consideration for my ordeal Mr XXXX txted me that he had won. This guy ripped me off and Citi stood by and let him. They did nothing to protect me. They have dropped the ball in a big way with me since XXXX when they also allowed outrageous fraudulent activity occur on my account. This is the first of two very serious offenses on the part of the bank. This is my second complaint because Citi Bank has done nothing to help me. They can not discriminate against me, disallow my documents when covid 19 shut the world down. Nobody has contacted me despite many emails and phone calls to the disputes department relating to this matter. Mr XXXX has the money that should not ya e been given back to him.

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

CITIBANK, N.A.

TX

76051

Consent provided

Web

2020-06-19

Closed with explanation

Yes

2018-02-16

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

Credit reporting

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

Their investigation did not fix an error on your report

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -Equifax , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with Equifax was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.

EQUIFAX, INC.

MD

21061

Consent provided

Web

2018-02-16

Closed with explanation

Yes

2023-02-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

GA

30135

Consent provided

Web

2023-02-22

Closed with explanation

Yes

2019-07-18

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

My Bankruptcy included a Reaffirmation Agreement regarding my XXXX which XXXX and did not attend, sold my car without a Judgment or any legal basis and continued to take payments until the car was paid in full then closed my account and reported to the credit bureaus that it had been written off in Bankruptcy thus managing to steal approximately XXXX XXXXXXXX from me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OR

972XX

Older American, Servicemember

Consent provided

Web

2019-07-18

Closed with explanation

Yes

2020-06-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I've been dealing with equifax to fix these issues since I was part of their data breach a couple of years ago. I've filed a dispute with them they wait a few weeks say it's complete, send me a pdf credit report showing the negative item that is not mine is removed. Yet online they are still reporting it and it is affecting my score. This is my last attempt before I move to go to the court for sanctions against equifax for violating our settlement agreement

EQUIFAX, INC.

NC

28376

Servicemember

Consent provided

Web

2020-06-10

Closed with explanation

Yes

2023-06-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

GA

30214

Consent provided

Web

2023-06-02

Closed with explanation

Yes

2023-01-19

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Experian Information Solutions Inc.

FL

33135

Consent provided

Web

2023-01-19

Closed with explanation

Yes

2018-07-09

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/2017 AN INQUIRY WAS PLACED IN MY CREDIT REPORT BY COASTAL CREDIT I DID NOT AUTHORIZE THIS COMPANY TO RUN MY CREDIT REPORT I AM A VICTIM OF IDENTITY THEFT AND A FRAUD ALERT HAS BEEN PLACE ON MY ACCOUNT

Coastal Credit, LLC

GA

30106

Consent provided

Web

2018-07-09

Closed with explanation

Yes

2023-03-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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

Experian Information Solutions Inc.

NC

28083

Consent provided

Web

2023-03-10

Closed with explanation

Yes

2021-09-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

All of the consumer reporting agencies are reporting inaccurate and unverifiable information from XXXX on my consumer report. Per attached correspondence from XXXX XXXX XXXX . dated XX/XX/2021, XXXX XXXX XXXX ( Regulatory Compliant Specialist at XXXX XXXX XXXX . ), in fact, states " A copy of your application is not available. '' and as such, XXXX is unable to produce a consumer credit transaction contract with my wet signature on it in connection to the alleged debt. Because a consumer credit transaction contract with my wet signature on it can not be produced, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''

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

Experian Information Solutions Inc.

MD

XXXXX

Consent provided

Web

2021-09-15

Closed with explanation

Yes

2022-12-16

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

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

IN

46224

Consent provided

Web

2022-12-16

Closed with non-monetary relief

Yes

2023-05-29

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. 15 US C 1681 section 602 A. States I have the right to privacy 15 US 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

EQUIFAX, INC.

OH

44512

Consent provided

Web

2023-05-29

Closed with explanation

Yes

2023-02-11

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

Credit reporting

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

Investigation took more than 30 days

My first letters to the credit bureaus regarding this account were in XX/XX/2022 and I have sent out letters each month since. This account is fraudulent and has been in dispute since I first seen it around labor day last year but according to the credit bureaus they have it listed as not in dispute and remains unverified in the last several months. How is this possible if I have sent repeated letters to each bureau disputing this as well as letter to the alleged creditor. These are all violations of my rights under Title 15USC1681 and I demand that CFPB investigate this. Each bureau had 30 days to verify the account and not only did they send me letters stating it was verified but yet on their own report it states that there has been no verification and it is not in dispute. I have copied the XXXX, FTC and the Attorney General for Florida.

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

Experian Information Solutions Inc.

FL

33030

Consent provided

Web

2023-02-11

Closed with explanation

Yes

2023-02-16

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

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XXXX XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX, XXXX. Account number : 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

Experian Information Solutions Inc.

FL

33023

Consent provided

Web

2023-02-16

Closed with explanation

Yes

2020-11-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

filed ftc police reports several complaints sum items still showing as closed please remove all item s i requested

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

608XX

Consent provided

Web

2020-11-13

Closed with explanation

Yes

2022-10-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

MD

20707

Consent provided

Web

2022-10-06

Closed with explanation

Yes

2023-01-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

EQUIFAX, INC.

FL

33183

Consent provided

Web

2023-01-06

Closed with explanation

Yes

2022-12-21

Credit card or prepaid card

General-purpose prepaid card

Problem with a purchase or transfer

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

I used my prepaid ( Card.com ) card to pay a third party ( XXXX XXXX ) via money transfer ( XXXX ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to XXXX, i should have been able to get my money back from them. XXXX was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with Card.com. At this point I have tried to reopen the dispute thru Card.com. I repeatedly bounced back and forth between Card.com and XXXX. I simply want back my funds. And truth be told, XXXX should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.

CARD Corporation

AZ

85015

Consent provided

Web

2022-12-21

Closed with explanation

Yes

2022-08-05

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Equifax Equifax assumed a vital role, when they reported Information without my permission or consent. I never instructed equifax to furnish a report, equifax never had permissible purpose -- I never consented to the report to begin with. To my surprise, they are not exercising their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

EQUIFAX, INC.

TN

37013

Consent provided

Web

2022-08-05

Closed with explanation

Yes

2020-12-09

Student loan

Federal student loan servicing

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

Their investigation did not fix an error on your report

I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Nelnet, Inc.

MA

02132

Consent provided

Web

2020-12-09

Closed with explanation

Yes

2023-01-20

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

my credit cards do not appear on my transunion credit report and they are more than XXXX XXXX XXXX. This has brought me many problems when requesting new credits since I do not have that history. it's all because there's a mistake in my name. which I sent to modify for XXXX XXXX with transunion with letters and calls and I have not achieved the objective, my XXXX XXXX XXXX last names come together in a XXXX word, when all I want is to be separated or just leave me with only XXXX name and a XXXX last name as it has : XXXX XXXX. XXXX. experienced. XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32832

Consent provided

Web

2023-01-20

Closed with non-monetary relief

Yes

2021-02-19

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

THIS IS NOT A REQUEST FOR VALIDATION OR VERIFICATION OF DEBT. THIS IS ME CALLING OUT DISCOVER FINANCIAL SERVICES FOR IDENTITY THEFT. they collateralize MY " LOAN '' and PROPERTY to SECURE their INVESTMENTS ... WHICH ARE ACTUALL " MY '' INVESTMENTS '' ... THEY TURNED ME INTO A DEBTOR BY AND THROUGH IDENTITY THEFT TO MOVE ME OUT OF THE ROLE OF INVESTOR Im neither the consumer debtor nor consumer obligor, Im the principal/ issuer of the asset securing payment for my service and you are directed to credit my account

DISCOVER BANK

TX

76002

Servicemember

Consent provided

Web

2021-02-19

Closed with explanation

Yes

2019-01-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX is erroneously reporting on all 3 of my credit reports and this account is not mine.

EQUIFAX, INC.

CA

92394

Servicemember

Consent provided

Web

2019-01-27

Closed with non-monetary relief

Yes

2022-03-10

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

Credit reporting

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

Was not notified of investigation status or results

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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

2022-03-10

Closed with non-monetary relief

Yes

2022-02-03

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

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/2021, I sent a dispute to XXXX, XXXX, and Transunion. These credit bureaus, are reporting incorrect information on my credit report. I have no late payments ; Its been well over 40 days and I have not received a resolution to the described.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

44137

Consent provided

Web

2022-02-03

Closed with non-monetary relief

Yes

2022-11-29

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

i was pre approved, approved, for XXXX vehicles and was denied after the company benefited from using my social security card, i still havent benefited anything i dont have any car.

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

ALLY FINANCIAL INC.

NC

27407

Consent provided

Web

2022-11-29

Closed with explanation

Yes

2019-06-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to XXXX me and XXXX my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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

2019-06-12

Closed with non-monetary relief

Yes

2017-12-13

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

Credit reporting

Credit monitoring or identity theft protection services

Billing dispute for services

In XXXX 2017, I signed up to get my credit report through Transunion. Unbeknownst to me I was signed up for a Credit Monitoring service consisting of XXXX per month. I simply missed it but caught it XX/XX/XXXX. I called effective today. spoke with an agent about getting the money refunded or at least giving me proof of services. She referred me to my account which says little more than the date I signed up for services. This is not helpful I said and requested to speak to a supervisor. She offered me back the most recent charge for XX/XX/XXXX. I then spoke with the Supervisor but this was only after a lot of push back. She also erroneously told me I could not speak with someone or submit a dispute on the transaction. It makes sense to me that Transunion would have a Dispute Resolution Center. I then Spoke to the supervisor " XXXX '' would not disclose last name, and he stated he would only refund 6 of the 9 total bills. I asked for a confirmation email for the refund but he refused to send one to me and said within 10 days ' I should get the money. Gave me Reference # XXXX. This feels like a bait and switch. I researched this and it appears to be a common tactic by this company. They know that since consumers are stuck with arbitration fees they will not pursue it for such a miscellaneous amount of money. I would like a full refund not part of my money that they should not have gotten in the first place.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WI

54016

Consent provided

Web

2017-12-13

Closed with monetary relief

Yes

2022-08-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

People of United States of America, XXXX, XXXX XXXX, XXXX XXXX of the United States, non-citizen, native Georgian, surety of the XXXX XXXX XXXX XXXX, demand my right to privacy. On XX/XX/2022, by certified mail number XXXX XXXX XXXX XXXX XXXX , People , XXXX, XXXX XXXX sent EQUIFAX notice of the corporations invasion of privacy pursuant to the Fair Credit Reporting Act. All information was received and signed by " XXXX '' on XX/XX/2022. The Inaccurate Consumer Report in dispute has not been properly updated, given the instructions to remove and delete private information inside said notice to EQUIFAX. I demand Equifax remove all private accounts and inquiries for failure to use their grave responsibilities to ensure the accuracy of the report being reported. I do not and have not ever consented to any information Equifax reports.

EQUIFAX, INC.

WA

98072

Consent provided

Web

2022-08-10

Closed with explanation

Yes

2018-06-15

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

My son and I live on {$750.00} per month. On XX/XX/2018 the same day of my ssi deposit ; my account was debited {$170.00} by a XXXX in XXXX XXXX XXXX. I was told I would still have to dispute this charge even though it was a breach on XXXX XXXX. I have disputed just as I was told too. Upon contacting XXXX XXXX XXXX I was given this info and told that I was the third person that had this problem. I have faxed three disputes and mailed there dispute form and still nothing .My acct card number was ran as a credit card, I explained that I was having hardship and needed these funds to pay my light bill that will be turned off if not paid tomorrow. I also told them if they would look at my acct that they could see that I am in XXXX XXXX. This is a nightmare. I have nobody to ask for help and I am so afraid. Nobody from this company will help me. I need a provisional credit. They know I didn't make this charge. Please help me. The dispute number is XXXX. My card was in my possession they have sent me another one. I memorize my pin number. Also upon calling the XXXX they told me no charges of that amount at the time I was given by XXXX XXXX had never occurred.

Comerica

SC

295XX

Consent provided

Web

2018-06-19

Closed with monetary relief

Yes

2022-09-04

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I have a Capitol one credit card and have had nothing but issues constantly with no help. Customer service always hang up on me and refuse to move me to a manager. The APP I use for my card refuses to set my autopay through the Capitol one checking. I recently got restricted and my account closed because of one reverse payment that was the fault of the APP and now customer service just keeps hanging up on me and refusing to help. Literally absolutely no help. Now Im worried about my credit report because I have been killing my self to keep everything perfect. I need help. I feel like Im being forced to fail.

CAPITAL ONE FINANCIAL CORPORATION

WA

98055

Consent provided

Web

2022-09-04

Closed with explanation

Yes

2021-07-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Re : This is not a regular dispute. Take action immediately you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC

EQUIFAX, INC.

TX

77021

Consent provided

Web

2021-07-15

Closed with explanation

Yes

2021-01-27

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Simple bank which is owned by BBVA is closing and I have attempted to transfer my funds to another bank account. I was successfully able to transfer some funds but I have not been able to transfer my remaining balance. BBVA will not accept customer service calls, and I am given the XXXX number for Simple which says my wait time is 2hrs. All of my support messages on the website are left unanswered. I need and want access to my funds immediately. The web interface even says I am eligible to transfer funds but it errors out on every attempt.

BBVA FINANCIAL CORPORATION

WA

98110

Consent provided

Web

2021-01-27

Closed with explanation

Yes

2017-08-22

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 sought to obtain my credit report from the Trans Union. They have refused to correct even provide me with copies of my report. For me to know as a consumer, what they 're reporting. Although they 're disseminating inaccurate information about me, I have no insight into their inaccuracies. However, they continue to try and get me to buy credit monitoring services, etc. I 've tried repeatedly to obtain a copy of my credit report, have them reference for inaccurate information, to no avail.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

223XX

Servicemember

Consent provided

Web

2017-08-22

Closed with explanation

Yes

2022-08-24

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 have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

349XX

Consent provided

Web

2022-08-24

Closed with non-monetary relief

Yes

2022-12-07

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

Credit reporting

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

Was not notified of investigation status or results

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being XXXX and that I'm being XXXX of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30035

Consent provided

Web

2022-12-07

Closed with non-monetary relief

Yes

2021-01-06

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

Credit reporting

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

Their investigation did not fix an error on your report

I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33619

Consent provided

Web

2021-01-06

Closed with explanation

Yes

2020-05-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Two accounts have appeared on my credit reports, both are fraud. XXXX XXXX account for XXXX XXXX XXXX XXXX for XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92705

Consent provided

Web

2020-05-07

Closed with explanation

Yes

2018-08-09

Vehicle loan or lease

Loan

Incorrect information on your report

Information is missing that should be on the report

I secured an auto loan through XXXX XXXX XXXX ( American Honda Finance ) in XX/XX/XXXX. I have made all on-time payments and have paid as agreed according to my contract. Due to unforeseen circumstances, I filed for chXXXX bankruptcy on XX/XX/XXXX. I contacted American Honda Finance on XX/XX/XXXX and spoke with XXXX XXXX. I communicated that I would be re-affirming the auto loan to continue to pay outside the bankruptcy. I was told that once the re-affirmation agreement was received and the bankruptcy was discharged, my onetime payments would continue to be reported to the credit bureaus. This was the deciding factor to indeed proceed with a reaffirmation agreement and not surrender the vehicle. The reaffirmation agreement was presented to me and I signed it XX/XX/XXXX and American Honda Finance filed it with the court XX/XX/XXXX. The agreement was a reinstatement of my original contract terms with Honda/XXXX XXXX. I once again confirmed with XXXX XXXX on XX/XX/XXXX that my payments would report the the credit bureaus after my discharge on XX/XX/XXXX and was told the account would start reporting payment history after discharge. As of XX/XX/XXXX, my bankruptcy is discharged. I received an email alert from FICO on XX/XX/XXXX that there were changes to my credit report and discovered that XXXX/Honda Finance had removed my entire account history from all ( 3 ) credit bureaus. I also discovered that my score declined between 50-70 points among the bureaus. I called XXXX/Honda Finance immediately on XX/XX/XXXX and spoke with XXXX who advised me that any account included in bankruptcy, regardless of reaffirming the account and regardless of the current payment status would no longer be reported to the credit bureaus. I asked when this policy change and she stated " recently '' and could not provide a date. I was not allowed the opportunity to speak with a manger. I now have a 60 month remaining term, a balance of {$40000.00}, a monthly payment of {$880.00} and a car that is only worth {$35000.00}. I will not be able to refinance this vehicle, and my credit has been harmed with this policy change. This is highly unethical as I have made all payments on time and I re-affirmed my obligation to Honda/XXXX XXXX with the promise that my timely payments would be reported to all bureaus as before once my discharge was final.

AMERICAN HONDA FINANCE CORP

TX

79912

Consent provided

Web

2018-08-09

Closed with explanation

Yes

2020-07-14

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

Unable to link investment accounts and so forth.

PNC Bank N.A.

PA

19606

Consent provided

Web

2020-07-14

Closed with explanation

Yes

2021-09-20

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt is not yours

i originally signed a contract XX/XX/2019 with speedycash account number XXXX I didnt sign a contract with ad astra recovery amount {$1000.00} consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information recieved from other resources .the collection account is also reporting open i have a right to a accurate credit report please remove this account immediately from my credit report and provide me a copy reflecting this account is removed

CURO Intermediate Holdings

IL

XXXXX

Consent provided

Web

2021-09-20

Closed with explanation

Yes

2021-05-26

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

On XX/XX/XXXX, I was the victim of a wire fraud transfer and immediately opened a case with Citibank Fraud case # XXXX. The contact I am working with is Fraud supervisor, XXXX. It was requested that I report the case to both the FBI, local authorities, and the bank in which my funds were transferred, which is XXXX XXXX I completed this request the day it happened. I have been working with XXXX XXXX with the XXXX Police department. His number is : XXXX. Here are the details of the fraud/scam : I received a text message for a couple of flagged charges and in typical Citibank fraud alert fashion it asked me to respond with a 1 for YES or 2 for NO for no for verification. I responded with a 2 for NO and within a few seconds my phone rang. The woman on the other end presented herself as a Citi fraud manager who was going assist me with receiving a new debit card. I did not give her any personal details over the phone. She sent me three more text messages for which was presented as a two-step verification process, and this was how they were able to gain access into my account to successfully send a fraudulent wire transfer from my Citibank account to XXXX in XXXX. I received an email notification of the wire transfer which is how I was able to immediately report it. The Citibank fraud supervisor sent XXXX XXXX a Hold Harmless letter requesting the funds be recovered and sent back to Citibank. Detective XXXX with XXXX PD received communication from XXXX that the funds were sent to Citibank XXXX XXXX XX/XX/XXXX ) and Citibank is claiming they have not heard back from XXXX. I am beyond frustrated. My case is currently active and after speaking Citibank several times, I was told my funds were not guaranteed to be returned to me. My money is supposed to be FDIC insured. I have rent due in a few weeks. This may get me evicted from my apartment. I have been a Citi customer since 2006 and I am beside myself that I could potentially not get all of my money back which was {$1500.00}. Ive asked the Citibank fraud team several times the following questions ; How did the fraud/scammers know I was a Citibank customer? How were they able to gain access into my account online without my password? How did they know my username? Ive never sent a wire transfer in my entire life and why wasnt that red flagged?? They have not been able to answer these questions. I am attaching screen shots of the initial fraud alert which clearly states it is from Citibank and mimics the exact type of text I have received from them in the past. I absolutely believed I was communicating with my bank, and I have no idea how I was supposed to know otherwise. I need someone to help me with this. The fraud department can only do so much. They shared this has been a known issue within Citibank and other financial institutions. I need my funds returned as soon as possible. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

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

CITIBANK, N.A.

CO

80205

Consent provided

Web

2021-05-26

Closed with explanation

Yes

2023-07-28

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

Credit reporting

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

Their investigation did not fix an error on your report

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be fixed immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33309

Consent provided

Web

2023-07-28

Closed with non-monetary relief

Yes

2018-02-28

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite my three ( 3 ) previous formal written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Every time I submit a dispute request I am just told the information will be re-investigated, but the documents & information I requested is NOT provided to me. I have given Transunion far more than the number of days allotted to do an investigation on my dispute, but Transunion IGNORED them. As you know with information breaches and the possibilities of identity theft it is important to do a proper investigation. My family has endured enough DEFAMATION AND SLANDER from Transunion NOT providing accurate information and ENOUGH IS ENOUGH!!! XXXX & XXXX have deleted this inaccurate information & I demand Transunion follow suit and update my Transunion credit report accordingly to show my true credit history, as these inaccuracies should not be reflecting on my credit report. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? However, you have still not identified who in your company verified the accuracy of these accounts, or how they verified them? Nor have you provided the physical proof of such verification. Again, XXXX XXXX XXXX defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me, and the information being reported is accurate, and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ), and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist, and therefore is proof that you can not properly verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days of your receipt of this letter. I have attached the tracking number for this parcel. A copy of this letter, as well as copies of the three previously written letters sent to you by certified mail, with proof of delivery, will also become part of a formal complaint to the Consumer Financial Protection Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this offer of settlement. These laws are very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ), if you fail to comply with Federal Law and remove these items, or provide me with the physical proof of verification. As I have repeated in the past communications, I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. In order to avoid legal action I will demand that you delete all of the unverified accounts listed below IMMEDIATELY. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. *XXXX XXXX XXXX XXXX XXXX ( late payments ) *XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( late payments ) *XXXX XXXX XXXX XXXX XXXX ( late payments ) XXXX XXXX XXXX XXXX XXXX ( late payments ) *XXXX XXXX *XXXX XXXX *XXXX XXXX LLC XXXX *XXXX XXXX XXXX XXXX In addition I have disputed & it was confirmed the following inquiries were removed, but they still remain : *XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX Thanking you in advance for your anticipated quick co-operation on this matter.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Consent provided

Web

2018-02-28

Closed with explanation

Yes

2020-03-10

Vehicle loan or lease

Lease

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

Problem with personal statement of dispute

In 2015 I took out a loan to purchase a car from Ally financial the balance that is being reported as a charge off is currently at {$6100.00}. The issue that I have, is that ally was sued and found to have charged me and other minorities with excessive interest rates. I was included in the the law suit and received financial compensation for their illegal practice. However, they refused to remove the charge off from my credit. I have made multiple attempts to have them remove this. It is negatively affecting my credit and ability to purchase a home or receive other loans at a decent interest rate.

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

ALLY FINANCIAL INC.

MS

39503

Consent provided

Web

2020-03-10

Closed with explanation

Yes

2023-08-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I, XXXX XXXX XXXX, am verifying that I am XXXX XXXX XXXX mailing out this information with my wet signature. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07105

Consent provided

Web

2023-08-17

Closed with non-monetary relief

Yes

2022-11-03

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

1. please remove old items i.e XXXX XXXX XXXX XXXX etc. 2. Why does it still show I owe? Please remove items that have been paid

EQUIFAX, INC.

MD

210XX

Consent provided

Web

2022-11-03

Closed with explanation

Yes

2020-10-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

331XX

Consent provided

Web

2020-10-30

Closed with explanation

Yes

2023-06-16

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

273XX

Consent provided

Web

2023-06-16

Closed with non-monetary relief

Yes

2018-08-15

Checking or savings account

Checking account

Closing an account

Company closed your account

I'm a victim of identity theft. I have been working with XXXX and the FTC. My checking account with Wells Fargo became overdrawn after someone tried to get payday loans and credit cards in my name. This happened before and Wells Fargo did nothing and just closed my account and opened a new one without investigation. This time I was afraid to bring my account current because the person might work for Wells Fargo. I found this out from a conversation from an outside source. The outside source may have misstated the information, but I could not risk it. I made deposits to bring the account to $ XXXX. I felt safe with this amount, while the investigation was going on. Then on XX/XX/2018 Wells Fargo closed my checking account and sent it to collections and reported it to XXXX XXXX XXXX, a consumer reporting agency When I asked Wells Fargo in new accounts my closed account is listed as a " Charge Off '', even though I called and paid in full today XX/XX/2018, and was told my account was never sent to collections. So now Wells Fargo sent to to executive section for an investigation because an employee might be involved. Wells Fargo can not investigate this issue, it needs to be assigned to an outside entity because I already know Wells Fargo will decide in their favor and not mine. I'm the victim.

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

WELLS FARGO & COMPANY

CA

XXXXX

Servicemember

Consent provided

Web

2018-08-15

Closed with non-monetary relief

Yes

2021-07-15

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

Credit reporting

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

Was not notified of investigation status or results

This letter is formal notice that Credit Bureau has failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires Credit Bureau to respond within thirty ( 30 ) days, yet you have failed to respond. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. Credit Bureau has failed to respond within time limited by law. 1. I have never been late with payments on this account. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

EQUIFAX, INC.

IL

60462

Consent provided

Web

2021-07-15

Closed with explanation

Yes

2018-11-07

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

Have 6 transaction in one day, but only enough funds to cover 5 transaction, But chase charge me 3 overdraft fees ( which the agent told me was the max they can charge for the day ). They said they processed the largest transaction first, but the largest transaction will not cover the funds available.

JPMORGAN CHASE & CO.

NJ

07109

Consent provided

Web

2018-11-07

Closed with monetary relief

Yes

2018-08-28

Debt collection

Credit card debt

Communication tactics

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

My employer does not allow personal calls on the 2 main lines in our office. My place of employment is a busy XXXX XXXX XXXX XXXX XXXX XXXX that employs licensed professionals and our patients are always in my office and I am often in meetings and sessions with patients. I received a call from XXXX and the receptionist had to come in a room in front of co workers and tell me I had a call from ( the reps name ) and it was a personal matter. The caller ID identifies the caller as XXXX XXXX. I took the call and had to talk quietly and told the Rep to never call that number again. A different day a week later I was in a group that was about to start and the receptionist again notified me I had a Call that was personal from ( the reps name ) I asked her to tell them I could not take the call. About a week later I received a 3rd call from XXXX and took the call and notified the rep ( XXXX ) I had made it clear I would be written up by my employer if I continue to receive calls from a collection agency and it threatened the dignity of my job for a trashy collection agency to turn aggressive and harass me at my employment. She stated she would take the number out but the first Rep said they would not call my employment again and they did 2 more times. The agency knows what they are doing is illegal but because these debts are about to be removed from my credit report they are doing anything to intimidate me and harass me to get their money.

CAPITAL ONE FINANCIAL CORPORATION

TX

75455

Consent provided

Web

2018-08-28

Closed with explanation

Yes

2017-08-03

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

Credit reporting

Incorrect information on your report

Personal information incorrect

i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91344

Consent provided

Web

2017-08-03

Closed with non-monetary relief

Yes

2019-08-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX AND XXXX XXXX HAS INFORMATION THAT DOES NOT BELONG TO ME REPORTING ON MY PERSONAL CREDIT REPORT. I REQUESTED THEY UPDATE OR REMOVE THE INFORMATION BUT THEY REFUSE TO DO SO.

EQUIFAX, INC.

GA

30327

Consent provided

Web

2019-08-20

Closed with explanation

Yes

2016-01-27

Debt collection

Credit card

Disclosure verification of debt

Not given enough info to verify debt

I recieved a call from a girl named XXXX. XXXX Company is : Central Portfolio Control XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MN XXXX TEL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX Advised that she is a " licensed debt collector ''. Stated I owed over {$500.00} to a XXXX I opened up back in XX/XX/XXXX and closed it XX/XX/XXXX. I asked for the CC company 's name and she would not give it to me. I then asked for more information to verify if I actually owed money but she became aggressive and insulting. The call ended quickly.

Company chooses not to provide a public response

Central Portfolio Control Inc.

TX

78613

Consent provided

Web

2016-01-27

Closed with explanation

Yes

No

2018-02-03

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

Credit reporting

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

Their investigation did not fix an error on your report

I am filing a complaint against the 3 credit bureaus XXXX, XXXX, and TransUnion. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and XXXX more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and TransUnion removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95136

Consent provided

Web

2018-02-03

Closed with explanation

Yes

2017-02-09

Debt collection

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

Communication tactics

Frequent or repeated calls

This is my parents phone number. I setup a payment plan and gave them my phone number and told them that I ca n't be reached at the number they have been calling and to stop calling. They stopped for awhile but are now calling my parents multiple times per day.

Company believes it acted appropriately as authorized by contract or law

Harris & Harris, Ltd.

IL

60133

Consent provided

Web

2017-02-09

Closed with explanation

Yes

No

2023-07-26

Debt collection

Mortgage debt

Communication tactics

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

Shellpoint Mortgage continues to place calls to my cell phone after being told via writing and verbally multiple times not to contact me by phone. In addition to this being an annoyance, I have requested reasonable accommodations from Shellpoint that communication be by email or secure messaging based on a XXXX that impacts my ability to understand and participate in verbal communication. On XXXX XXXX XXXX I disclosed to Shellpoint employee XXXX XXXX that I am hearing impaired and require written communication. This request did not result in any effort from Shellpoint to grant that request for reasonable accommodation. I am currently trying to resolve a past due balance on my mortgage, and Shellpoint 's failure to provide reasonable accommodations may result in losing my home.

Company believes it acted appropriately as authorized by contract or law

Shellpoint Partners, LLC

CO

80910

Servicemember

Consent provided

Web

2023-07-26

Closed with explanation

Yes

2023-07-21

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

Credit reporting

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

Their investigation did not fix an error on your report

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian Information Solutions Inc.

TX

78245

Consent provided

Web

2023-07-21

Closed with explanation

Yes

2022-10-25

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

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

I've sent several request in order to receive my consumer report from XXXX, LexisNexis and XXXX. However, I have not yet received the requested reports. Please advise me in how to remedy. I have provided the verification documents that were needed in order to fill my request.

LEXISNEXIS

MI

48210

Consent provided

Web

2022-10-25

Closed with explanation

Yes

2017-07-15

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

Mailed.on XX/XX/XXXX of current year to kohls handwritten letter regarding denial of a credit card and opening of a new one since my card was deactivated or closed and cashier suggested me to open a new account so I could get extra discount. I was confident in doing so because I have really good credit " XXXX '' To my surprise was denied and embarrassed felt insulted. Well I was to wait for a denial letter and all I can understand was they closed my account. I will attach letters that explain what all I have tried to do not because the credit card itself but I think it was an unfair treatment. I tried getting information through kohls customer service exactly why I was denied but nobody not even the supervisor could give me a response or explanation why the denial was to wait for credit report They have written twice to me that the credit report bureau could give me an answer. I order my credit report but I did n't see any negative remarks. I saw I had a XXXX score and XXXX on other XXXX reports. It 's not the credit card itself it 's the fact I should know the reason since I have excellent score. Could you please help me decipher this? Thanking you in advance

CAPITAL ONE FINANCIAL CORPORATION

PA

17356

Older American

Consent provided

Web

2017-07-16

Closed with explanation

Yes

2021-09-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} XXXX XXXXBalance {$18000.00}

EQUIFAX, INC.

PA

19143

Consent provided

Web

2021-09-28

Closed with explanation

Yes

2022-07-03

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 and XXXX Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX AccountXXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX Account : XXXX XXXX. XXXX XXXX XXXX XXXX Account:XXXX XXXX. XXXX XXXX. Account:XXXX all of which has violated my rights. 15 U.S.C. 1681section 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 any account without my written consent of instructions as well verify the true and accuracy of the information with consumer.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

272XX

Consent provided

Web

2022-07-03

Closed with non-monetary relief

Yes

2020-10-20

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

Credit reporting

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

Investigation took more than 30 days

I requested and received copies of my credit report from XXXX, Experian and XXXX. I identified multiple violations on all 3 credit reports. All three CRA 's mentioned above report that my DPT ED/XXXX accounts are 90 days late when there is not a prior 30 or 60 days late. On XX/XX/2020 I mailed all 3 CRA 's letters explaining the violations, and requested removal of all the DPT ED/XXXX accounts that showed 90 days late without being late 30 or 60 days prior. After 45 business days I again contacted all 3 CRA 's mentioned above, and demanded removal of all DPT ED/XXXX accounts that report 90 days late when there are no 30 or 60 days late prior, because XXXX, Experian and XXXX did not respond to my disputes in a lawful time frame. I have attached copies of the actual disputes that I sent to XXXX, XXXX and Experian. I have attached copies of the actual disputes that I sent to Experian. Attachments include account names, account numbers and violations.

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

Experian Information Solutions Inc.

GA

30297

Consent provided

Web

2020-10-20

Closed with explanation

Yes

2023-04-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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.

EQUIFAX, INC.

NY

11225

Consent provided

Web

2023-04-21

Closed with explanation

Yes

2022-12-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

EQUIFAX, INC.

IL

60504

Consent provided

Web

2022-12-01

Closed with explanation

Yes

2022-04-09

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

33313

Consent provided

Web

2022-04-09

Closed with non-monetary relief

Yes

2020-12-16

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

unauthorized inquiries and a late payment that is incorrect

EQUIFAX, INC.

CA

94124

Consent provided

Web

2020-12-16

Closed with explanation

Yes

2021-08-15

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

The company is Midland credit solutions. IT IS FOR XXXX XXXX WHICH THE ACCOUNT INFO IS WRONG. Their are similarities in name but birthday and social are totally different and it has been verified. Also charter is not available in my part of XXXX. we have XXXX. They hung on me and were very rude and would not remove the charge from my credit report even tho they knew I'm not the person that they are looking for.

ENCORE CAPITAL GROUP INC.

GA

30310

Consent provided

Web

2021-08-15

Closed with explanation

Yes

2023-05-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

THE INFORMATION AND ACCOUNTS THAT SHOWS ON MY CREDIT REPORT ARE INACCURATE. THESE ACCOUNTS DO NOT BELONG TO ME. PLEASE REMOVE THESE ACCOUNTS OFF MY CREDIT REPORT.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

770XX

Consent provided

Web

2023-05-25

Closed with explanation

Yes

2020-02-04

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

On XX/XX/XXXX, on a trip to XXXX XXXX I tried to use my Chase debit card to withdraw funds from an ATM. I tried to take out {$210.00}, I inserted my card into the ATM, selected the amount I wanted to withdraw, but the ATM machine did not dispense any cash or receipt. I checked my app on my phone immediately and saw that the amount was withdrawn, but then credited back immediately. I assumed that I had tried to take out too much money, so I tried again. This time taking out {$100.00}. Again, the same thing happened, the ATM did not dispense any cash or receipt. The next day I called Chase to confirm my money was secure and to notify them of what had happened. I talked to a representative who had me explain my story about 6-8 times, drilling me about the amounts I tried to take out and kept insisting I tell her the amount I actually received, even though I kept repeating that I got {$0.00} from the ATM. From the very beginning it seemed like she was on the defensive and did not believe what had happened. I explained to her that she could check my history with them, that I traveled a lot and never had I tried to submit a claim of this sort because this never happened to me. She eventually, after a very long call told me she would submit a claim and they would investigate the matter. My money was refunded on XX/XX/XXXX. On XX/XX/XXXX they reversed the refund. I did not receive any notification that they would be removing these funds from my account, though they claim I did ( thankfully I had additional funds and my account was not in red ). I called and asked to speak to someone who could explain why my claim was denied - they said that they communicated with the bank in XXXX XXXX and they said their ATMs were balanced and the money was retrieved from the ATM. I asked them to please contact them again and explain that the money was not dispensed. I called again today on XX/XX/XXXX to receive an update, because again I am not being notified of any updates on this claim and they said that the bank claimed again that the ATM dispensed the money and they were able to provide a receipt. I asked if they could please ask the bank for the CCTV footage, because the ATM did not dispense any money or a receipt and they said that those could only be subpoenaed so they would not be doing that. The agent told me there was not much more I could do. I've asked twice now what I can do in the future to protect myself from this happening again and no agent can provide a response. I am very frustrated that {$320.00} were stolen without Chase taking any responsibility for their actions or even trying to advocate in my defense as their customer.

JPMORGAN CHASE & CO.

NY

11103

Consent provided

Web

2020-02-04

Closed with monetary relief

Yes

2020-09-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2020 Phoenix Financial Services LLC added a derogatory remark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Phoenix Financial Services LLC has violated my rights as a consumer and I'm requesting legal actin to remove this account immediately.

Company believes it acted appropriately as authorized by contract or law

Phoenix Financial Services LLC

TX

756XX

Consent provided

Web

2020-09-07

Closed with explanation

Yes

2021-10-28

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

Credit reporting

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

Investigation took more than 30 days

I have filed a dispute with XXXX and Transunion regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter XXXX on both TransUnion and XXXX. Its been well over 30 days and I haven't received results from investigation. Both Transunion and XXXX have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11552

Consent provided

Web

2021-10-28

Closed with explanation

Yes

2020-09-30

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

On XX/XX/2020 NF reported to XXXX I was 30 days late for {$12.00} on my Navy Federal Visa card. Up to this date, I was unaware I had a balance or if the account was still even open. The last time I spoke to NF regarding this account was on XX/XX/2020 when their security department informed me that they were closing my visa account because I had not applied for the car and blocking my online access to all of my accounts. I had not receive any invoices on this account nor able to log in online to get my statement. I didn't think I was late because as of XXXX XXXX., NF had reported to XXXX that my account was current. NF is reporting different and conflicting reports to the credit bureau regarding this account. Per NF, the visa account was closed because I had not applied for the card. So why am I being held responsible for an account I didn't apply for? And how am I supposed to know I owed a balance on an account deemed not applied by myself I don't receive statements or ability to get statements online? Why am i being charged {$20.00} per month? What is that {$20.00} charge? It's not a late fee nor interest. My balance has climbed from {$12.00} to {$92.00} in 5 months

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

CA

92703

Consent provided

Web

2020-09-30

Closed with explanation

Yes

2023-01-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit 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 COLLECTIONS # xxxxxx XXXX, Account name : XXXX XXXX XXXX # xxxxxx XXXX, Account name : XXXX XXXX BANK # xxxxxxxxxxxx XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX has violated my rights by claiming items are verified without proper investigation by law and knowingly and intentionally leaving false information on the credit report including but not limited to false names.

EQUIFAX, INC.

NY

10453

Consent provided

Web

2023-01-23

Closed with explanation

Yes

2022-08-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Trans Union has violated my civil rights under 15 USC 1681 in accordance with the Fair Credit Reporting Act, account XXXX XXXX acct # XXXX 15 USC 1681 section 602 A states I have a right to privacy, 15 USC 1681 section 604 A section 2 It states a consumer reporting agency can not furnish a account without written instructions

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

756XX

Consent provided

Web

2022-08-24

Closed with non-monetary relief

Yes

2021-07-22

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

On XX/XX/XXXX I sent a dispute regarding a debt that I do not recognize to National Credit Systems. Is an apartment complex, and when I left, everything was paid and no past due balances were left. By XX/XX/XXXX the collection agency didn't respond to my previous letter but still sent a bill trying to collect the money, on the same day I send a second letter by certified mail letting them know that they were in violation. As of today XX/XX/XXXX, the collection agency has not responded to me. In addition, I never got my right to dispute the debt by any means.

National Credit Systems,Inc.

TX

78729

Consent provided

Web

2021-07-22

Closed with explanation

Yes

2017-09-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Equifax and XXXX XXXX still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX

EQUIFAX, INC.

CA

90046

Consent provided

Web

2017-09-18

Closed with explanation

Yes

2023-02-01

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

To whom it may concern : Ive notice unauthorized inquiries on my credit report and notice that someone may have applied to something in my name. I have sent multiple disputes to remove these hard inquires they are unauthorized, and I demand that they be removed immediately. I have listed the hard inquires below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fcu - XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

44137

Consent provided

Web

2023-02-01

Closed with non-monetary relief

Yes

2022-11-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my ANOTHER endeavor to tell XXXX CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28314

Consent provided

Web

2022-11-15

Closed with non-monetary relief

Yes

2021-11-08

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021 I sent the letter regarding an accurate and unknown things on my credit report. To this day over 32 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove those items From my credit report it has been over 32 days and counting so they should be deleted promptly. I demand these accounts be delete it immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

AL

354XX

Consent provided

Web

2021-11-08

Closed with explanation

Yes

2023-07-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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

Experian Information Solutions Inc.

GA

30342

Consent provided

Web

2023-07-25

Closed with explanation

Yes

2022-11-03

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21213

Consent provided

Web

2022-11-03

Closed with non-monetary relief

Yes

2022-06-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

In 2020 due to the pandemic/covid my account was in deferred payments. As you can see in the attached picture. In XXXX and XXXX my account was marked as " No data '' because is was in deferred. However, due to a bank error. My payment history is showing late payments for XXXX and XXXX. WELLSFARGODEALERSVCS Late Payments : XXXX 2020, XX/XX/ 2020 2020

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

WELLS FARGO & COMPANY

PA

195XX

Consent provided

Web

2022-07-07

Closed with explanation

Yes

2023-05-15

Checking or savings account

Checking account

Managing an account

Problem accessing account

I am a college student who decided to use Chime for banking but they held my account hostage and held onto my money even though I have provided them with a government issued ID as they requested. They claim there is a security breach even though they have no evidence. They sent me a link to upload my ID. Upon completing that, they sent me several seemingly generic messages stating that they didnt receive my ID. There are many reports of this companys fraudulent activities and I believe they are scamming consumers during tax season. I am requesting that my account be reinstated and compensation for the stress caused.

Chime Financial Inc

CT

06606

Consent provided

Web

2023-05-15

Closed with explanation

Yes

2022-09-29

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

On XX/XX/2022 I received an alert from CFPB that my dispute was closed. Upon reading XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ..... 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30214

Older American, Servicemember

Consent provided

Web

2022-09-29

Closed with non-monetary relief

Yes

2022-09-01

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

Credit reporting

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

Their investigation did not fix an error on your report

This was closed because it was not specific. I will make it specific. XXXX XXXX took over my account in XXXX. It was about 5 yrs old. The 30 year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after 30 yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? They reported me late XXXX -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. ACCT XXXX I will be pursuing this- trust me.

EQUIFAX, INC.

AZ

85037

Older American

Consent provided

Web

2022-09-01

Closed with explanation

Yes

2023-03-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

I was trying to initially get a car loan with XXXX XXXX on XX/XX/XXXX and got denied due to my DTI being too high, which was impossible considering all of my student loans are deferred. I also lost the vehicle to someone else buying it at the price point I wanted and was planning on getting it upon approval because of this. I had someone in the financial industry look into how I could possibly be denied considering Ive worked my XXXX off to build my credit back up and have good credit so I know for a fact I wouldve gotten the loan and was told that the student loans were what was putting my DTI too high. They stated to me that it appeared a student loan was showing as active not deferred on my credit report and stated that it looked like it had been shown that way since XX/XX/XXXX. This information was provided to me on Friday XX/XX/XXXX. I was told to call the lender to find out what code they were showing. I called XXXX XXXX on XX/XX/XXXX. They stated they didnt see a code but would email underwriting after I told them what happened and someone would be in touch. I then called XXXX first since I saw on XXXX that they were in trouble for coding errors. XXXX stated that they didnt see anything but that my loans were {$0.00} and didnt give any other info but stated I would have to prove its them. I then call XXXX to see if they had the same thing. I was then told that not only the loan I was inquiring about showed as active but all of my loans that were taken over by XXXX showed as active and not deferred. Also my private loan from XXXX was showing as active. So I had to dispute starting with them and while I was on the phone with them my mother was on her phone with XXXX who admitted that they had a computer glitch and it reported everyones loans like this. Meanwhile the guy at XXXX is on speaker and also my moms phone is on speaker and XXXX states that the call is being recorded. I said good because you got him on recording admitting to an error thats affecting peoples lives and explaining it as if its no big deal because theyre sending letters to all credit bureaus about theyre boo boo. I stated to XXXX that I got denied an auto loan and lost out on the vehicle I wanted because of you guys. I also told him I needed that letter now because Im disputing now and I need documented proof. So he tells me to get on the site go to tools and print to send. But I also told him a hard inquiry has also been ran against me and now I have to wait and the inquiry will be shown on my report for no reason.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28270

Consent provided

Web

2023-03-28

Closed with non-monetary relief

Yes

2023-02-28

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

While working abroad for meany years, I was unable to use my Capital One Visa, since I was mostly using foreign currency. I also used my other credit cards. My Capital One Account was in good standing. Capital One sent a letter to my U.S. address saying my account would be closed on XXXX XXXX XXXX due to dormant status. My parents had been traveling, and didn't receive the letter until after they returned in late XXXX, and notified me of it. I called Capital One on XX/XX/, saying I didn't wish to have my account closed, as I have almost XXXX reward miles on the card. Capital One said they can not re-open my account. I asked to at least allow me to redeem my miles, because I have had that account for almost 20 years, accumulating all those miles. They refused.

CAPITAL ONE FINANCIAL CORPORATION

MD

20850

Consent provided

Web

2023-02-28

Closed with explanation

Yes

2019-12-03

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

Card Issuer : Bank of America Credit Card, XXXX XXXX : Unapproved merchant declaration of charges. Fees were not reimbursed. The point when charged were constructed I was in ownership about card. Another Witness : Any voicemail demonstrating all transactions associated with it. Suspect fraudulently utilizing my card : XXXX XXXX I have not utilized alternately authorized whatever one to utilize my charge card//credit card. Attachments : Copies of company policies and procedures. Bank record copies. Act-related copies of invoices. Exactly voicemail speaking to every one related transactions. Record audits to determine the amount of loss. Discrepancies also surprising transactions on invoice. The vendor 's expressions alternately regulate activities about starting with the following impacts of the individuals ' condition. Listed persons are in custody and control of the originals.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

XXXXX

Consent provided

Web

2019-12-03

Closed with explanation

Yes