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customers-complaints-train-eval

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2020-11-19

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 have tried on several occasions to obtain my EQUIFAX report via XXXX and am unable to. I can access the reports for the other reporting agencies from the site. When the the website routes me to equifax equifax asks me questions that are not related to me and then states it can not authenticate my file. I have reached out to equifax several times and told them that it looks like they are asking questions pertaining to someone else and they refuse to look into it. The last time I called was XX/XX/18 and the rep actually said there is not enough information on my file so the website asks random questions. I filed two XXXX reports because of this issue. In XXXX Equifax responded via XXXX that they would look into the the matter but they never did. I called Equifax a few days after the XXXX response and the representative said there were no notes on my file about me having issues accessing my account despite numerous complaints. I also sent two messages to XXXX to inform them I can not access equifax.

EQUIFAX, INC.

PA

19125

Consent provided

Web

2020-11-19

Closed with explanation

Yes

2023-09-30

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. DEPT OF ED / XXXX XXXX Balance : {$3300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1900.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$7500.00} ; DEPT OF ED / XXXX XXXX Balance : {$4100.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$3000.00} ; XXXX OF XXXX / XXXX XXXX Balance : {$1500.00} ; DEPT OF ED / XXXX XXXX Balance : {$2100.00} ; DEPT OF ED / AIDVANT XXXX Balance : {$2600.00} ; DEPT OF ED / XXXX XXXX Balance : {$2000.00} ; DEPT OF ED / XXXX XXXX Balance : {$2300.00} ; DEPT OF ED / XXXX XXXX Balance : {$1500.00} ; XXXX XXXX Balance : {$20.00} ; XXXX 'S XXXX XXXX XXXX : {$450.00}.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WI

53222

Consent provided

Web

2023-09-30

Closed with non-monetary relief

Yes

2015-09-03

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

CAPITAL ONE FINANCIAL CORPORATION

TX

77022

Consent provided

Web

2015-09-03

Closed with explanation

Yes

No

2023-05-06

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

Credit reporting

Incorrect information on your report

Account information incorrect

Transunion has on my report that I have a closed fraudulent account with XXXX system. This information is false and incorrect. I have a credit report from XXXX system whom I also called and there is no fraudulent or delinquent closed account being reported by them. Attached is a copy of the information being reported by trans union also a copy of my XXXX system report showing no fraudulent or delinquent account or information

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75068

Consent provided

Web

2023-05-06

Closed with explanation

Yes

2021-04-08

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 XXXX 2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX and may have gotten into hands of the wrong person.

EQUIFAX, INC.

SC

29229

Consent provided

Web

2021-04-08

Closed with explanation

Yes

2023-06-08

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

Credit reporting

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

Their investigation did not fix an error on your report

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company believes it acted appropriately as authorized by contract or law

MOHELA

MS

39056

Consent provided

Web

2023-06-08

Closed with explanation

Yes

2023-06-17

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

On XX/XX/2023, I received a letter from " XXXX XXXX XXXX '' accusing me of being " severely delinquent '' on an alleged loan from Cash Store and threatening to take me to federal court on check fraud charges and giving me until XX/XX/2023 to make payment otherwise I would be served with a summons to appear in court. The company also threatened to call in family members, who they cited by name in the letter to testify against me. I have never dealt with this company and the debt according them was taken out while I was working with a company that I had not worked for in more than XXXX years.

Cottonwood Financial Ltd.

TX

75287

Consent provided

Web

2023-06-17

Closed with explanation

Yes

2019-12-15

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Received a letter about a bill owed to XXXX. I am currently going through a medical hardship, due to XXXX treatments.

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

Convergent Resources, Inc.

ME

040XX

Servicemember

Consent provided

Web

2019-12-15

Closed with explanation

Yes

2020-06-11

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

Rash Curtis and Associates has falsely reported information to the credit bureau. After deletion, reported to a different bureau with a different amount and have reaged the account as well. Disgusting! After speaking with them several times and explaining to them that there is no way I have any relation to this, also asking for proof, they have not removed it. They ask questions to try and add legitimacy to false claims. How can they be allowed to falsely report, delete, report again, pad, and reage?

KBR INC DBA RASH CURTIS & ASSOCIATES

CA

94523

Consent provided

Web

2020-06-11

Closed with explanation

Yes

2023-08-14

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

Credit reporting

Incorrect information on your report

Account status incorrect

You all reporting a open status on a collections account which is closed please delete incorrect information Immediately This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards

RentDebt Automated Collections, LLC

GA

XXXXX

Consent provided

Web

2023-08-14

Closed with explanation

Yes

2022-10-05

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

There are several violations here : 1. XXXX XXXX charged me for services that were not delivered. My cell phone rarely worked at my home and dropped calls often when traveling for 9 months I had service with them. They never improved the service or reduced the bill. 2. XXXX agreed to cancel the remaining unpaid month of service, {$120.00}, if I paid off the phones I purchased from them for {$1200.00}. I paid for the phones, but they continued to try and collect for the bad service, finally turning it over to a collection agency. They refused any further effort I made to dispute the bill. 3. Jefferson, the debt collection agency, increased a {$120.00} disputed bill to {$620.00}. They refused to cancel the bill or decrease the amount back to {$120.00}, the original XXXX XXXX bill. XXXX. The three credit agencies did not contact XXXX about the original bill after I disputed the bill. Instead, the only contacted Jefferson, who continued to validate the bill. The agencies also did not require Jefferson to reduce the disputed bill back to {$120.00}, but continued to keep the disputed amount at {$620.00}, even though I told them the amount should be reduced, at a minimum. Facts : 1. Cell phone debt has a federal statute of limitations of two years. After the statute of limitations has expired on a debt, it is considered time-barred. 2. I advised the 3 credit agencies of this fact, but they refused to delete the bill from their files. Jefferson Capital System also refuses to stop reporting this bill to the credit agencies as a debt.

CL Holdings LLC

VA

220XX

Older American, Servicemember

Consent provided

Web

2022-10-05

Closed with explanation

Yes

2020-05-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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

Experian Information Solutions Inc.

UT

84070

Consent provided

Web

2020-05-11

Closed with explanation

Yes

2017-02-03

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt is not mine

Good evening. On XX/XX/XXXX, Ray Klein Inc. filed a writ of garnishment against me for {$1500.00}. I just received notice of my companies intent to withhold all or a portion of this amount from my XX/XX/XXXX paycheck. Upon research I discovered that the majority of this collection is from my estranged wife 's medical debts. They combined several of my small debts with her big ones and filed against me. I was never served. I called them on XX/XX/XXXX and they said my estranged wife received the papers at her address. They said they had the right to collect her debts from me as we are married. It took me 30 minutes to get to the proper person to verbally explain the nature for the debts they are collecting. We have been separated, living in different homes since XX/XX/XXXX. She filed for divorce on @ XX/XX/XXXX. It is not final yet. My complaints are as follows : A ) I was never served prior to adjudication so I had no chance to respond. They say they served my ex but she says they did not. B ) I have received no written information of the nature and source of the combined debts they are collecting. I have not had the opportunity to determine whether the debts are valid or mine as I never received advance notice. C ) I should not be held liable for debts my ex has incurred since our separation. D ) The amount they are having garnished from me on the XXXX of this month will cause an undue hardship. E ) I have never lived at the address that they say they served. ( My former wife 's ) Please let me know what can be done to resolve this issues.

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

Ray Klein, Inc.

OR

97701

Consent provided

Web

2017-02-03

Closed with non-monetary relief

Yes

No

2021-08-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

NY

XXXXX

Consent provided

Web

2021-08-07

Closed with explanation

Yes

2023-03-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires 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. 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.

EQUIFAX, INC.

IL

60643

Consent provided

Web

2023-03-28

Closed with explanation

Yes

2022-11-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. .I 've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11206

Consent provided

Web

2022-11-04

Closed with non-monetary relief

Yes

2023-04-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my XXXX XXXX. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. Thank you for your attention to this matter. Sincerely, [ Your name and contact information ]

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30052

Consent provided

Web

2023-04-26

Closed with non-monetary relief

Yes

2020-04-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report.

EQUIFAX, INC.

AR

721XX

Consent provided

Web

2020-04-30

Closed with explanation

Yes

2022-02-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions.

EQUIFAX, INC.

CA

94124

Consent provided

Web

2022-02-03

Closed with explanation

Yes

2022-12-25

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

Hello im am writing to get assistance resolving a charge dispute for the amount of {$820.00} to my synchrony XXXX credit card. The amount reflect the cost of XXXX XXXX XXXX XXXX purchased through XXXX via a second party vendor XXXX XXXX XXXX The charge is in error due because the items weren't delivered nor received. I was tracking this purchase via XXXX website in order to make sure I was home when delivered, On the day of expected delivery XXXX a message was posted that the delivery was delayed and expected on XXXX. Next day XXXX I received a notification that it was delivered after midnight. After looking around my property there was no package and also checking my security camera during the time frame of so call delivery I was convinced it must have been an error message. I immediately contacted XXXX via the website chat on the afternoon of XXXX. At first they emailed the refund department to check on the return and issued me a refund.. After no resolution in their part I reached out again to XXXX and was told to contact the seller because it appears that the items was delivered, I contacted the seller and he advised me that the refund was issued on XXXX to XXXX. Once again I contacted XXXX via chat and advised the that the seller issued the refund on XXXX in which they directed me to contact Synchrony bank and open a charge back dispute due to the fact I bought the items with my XXXX credit card. After contacting synchrony and opening a charge back dispute they concluded that im responsible for the charges because it states that the item was delivered. I sent them documents showing the sellers response writing that a refund was issued in the full amount and gave them access to my chats with XXXX but again they closed the dispute saying the item was delivered. According to synchrony because the item is labeled delivered they can not issue the credit. I tried to have XXXX and synchrony and the seller communicate with each other and resolve this issue but have no luck. This should be an easy resolution the seller admits the refund was issued I don't know what the issue is I sent every document concerning this to all parties. I even sent bank statement and XXXX receipt to show I repurchase the same set tire via XXXX ..This is pretty much my last resort to resolving this matter I've been dealing with this for 6 months I will include all documents sent to XXXX and synchrony with this complain and will await any emails concerning or requesting more documents from me.. Thank you XXXX XXXX

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

SYNCHRONY FINANCIAL

FL

33604

Consent provided

Web

2023-01-09

Closed with monetary relief

Yes

2016-08-26

Debt collection

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

Cont'd attempts collect debt not owed

Debt is not mine

I terminated my membership with XXXX XXXX XXXX. It refused to end the membership, claimed I still owed fees, and referred the alleged debt to Pinnacle Recovery, a debt collection agency, which has been harassing me for 2 months.

Company believes it acted appropriately as authorized by contract or law

PINNACLE RECOVERY, INC.

MD

21403

Older American

Consent provided

Web

2016-08-26

Closed with explanation

Yes

No

2020-08-12

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Card opened as result of identity theft or fraud

called to dispute card opening and charge was told '' I commited bank fraud " and im going to be arrested!! refuse to dispute charge from XXXX XXXX refuse to take my dispute refuse to stop calling me and threatening me calling me over 45 times rude fraud rep telling me they don't care if someone else used my card im paying the bill or there ruin my credit incredibly abusive fraud back office operator told me " you commited bank fraud " refuse to listen to me combative morons!! refuse to take off credit or follow ANY federal laws whatsoever ever refuse to dispute refuse to stop calling! yelling scream tell me I a fraud there not going to listen back office fraud refuse and kind of detail on charges yelling a screaming at me I commited bank fraud abusive combative could get a word any edge

COMMERCE BANK

CA

92024

Consent provided

Web

2020-08-12

Closed with explanation

Yes

2022-11-08

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have been trying to get this issue fix I send in a letter stating that I want to OPT out from XXXX reporting my information without my consent. under truth in lending Act 15usc6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless they clearly and conspicuously discloses to the consumer in which avant never did, I also send a certified letter including a affidavit that they never reply back too. this is my third chance at trying to fix this issue. All they keep saying is we are right reporting correctly how? when you dont have my consent and never gave me the chance to can opt out

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19134

Consent provided

Web

2022-11-08

Closed with non-monetary relief

Yes

2021-04-12

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

Credit reporting

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

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

XX/XX/2020 I was forced to shut my business down due to the COVID 19 virus, XXXX XXXX ( XXXX XXXX ) was deemed nonessential by our county commissioners that made their own decisions by an order left vaguely open by Governor XXXX orders to determine whom was essential and nonessential employees or industries. I didnt want to fall behind on a couple of credit cards with large balances. One being XXXX. I contacted XXXX and asked if they are offering any assistance so my account does not fall behind. The women I spoke with was through a call center. For what I could understand is yes they are offering a lower payment scale and it will keep my account current as long as it is drafted out of my account automatically on a day that works for me over an 8 month period so I choose the XXXX, my original due date has always been the XXXX of every month. My original payment was {$140.00}, and as you pay the balance down the payment goes down. The representative and I discussed and agreed to split the payment in half ( {$70.00} ). As months went on and dozens of phone calls to XXXX, certified mail demanding they fix the missed payments that were in fact made on time and impossible to be late as it was auto drafted monthly. Dozens of disputes and calls to XXXX, Transunion, and XXXX and XXXX, Ive gotten nowhere. Ive sent copies of my payments and a 609 letter to all 3 bureaus including XXXX with fail. Please please help me fix this problem. Im trying to buy a house and with these frivolous missed payments its really hurting my payment history.

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

2021-04-12

Closed with explanation

Yes

2023-03-01

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

Credit reporting

Incorrect information on your report

Account status incorrect

I got an alert that I was over 30 days late on my car payment which I was not. I made the payment and also have the email and screenshot to show the date paid. I would like to have the account to reflect on time. This has lowered my credit score with my XXXX account XXXX points which has affected my gravely. The payment was authorized on XX/XX/26 which is not over 30 days past due.

JPMORGAN CHASE & CO.

CA

91739

Consent provided

Web

2023-03-01

Closed with explanation

Yes

2023-07-29

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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The letters are stated with items and issues. 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.

EQUIFAX, INC.

TX

77099

Consent provided

Web

2023-07-29

Closed with explanation

Yes

2023-07-18

Vehicle loan or lease

Loan

Struggling to pay your loan

Lender trying to repossess or disable the vehicle

XX/XX/2023 My wife took our car to the store to pick up prenatal vitamins before work, and after she walked out of the store, walked into work. She felt nauseas, and not quite right and she walked out to go drive to the doctors office but the car we have was suddenly GONE. She panicked and called me, I showed up to see no evidence of theft.. confused we called the police, they had no evidence or reports of tow / repossession so we filed the report and I called my insurance company to report the stolen car. So after all of that my fianc just wanted to go home, around XXXX we got a call from the police that the company didn't report the repossession then but reported it now and i would need to call my provider. Now further confused i knew i had paid a lump sum payment for about 9 months of payments, no one called me or emailed to tell me anything was behind or a mistake had been made or anything. And I had to call Wells Fargo in the end of may regarding my account being withdrawn but I had not used it recently and my auto payment withdrew more than it was supposed to.. NO MENTION AT ALL about my car loan being behind.. So I was instructed i'd get a call regarding my account soon and here we are mid XXXX, car reposessed. I spoke with wells fargo that friday and they said unless i paid repo fees i would not get any info of where the car is being held, But i need to get my personal belonging out of the vehicle, sorry unless you pay those fees i can not provide any details??... so i was refused to allow me to get my important stuff out of the vehicle.. what the XXXX is that even legal? Now on monday the XXXX i got a call from some lady who basically was XXXX me about how she would look into everything regarding my concerns, ( how did you know where the vehicle would be 30 mins away from my house at target, i suspected they used my gps which is illegal, why can i not get my stuff out of the vehicle, why would you reposess my vehicle when i paid 9 months in advance and some of the monthly payments as well, why was i never notified at ALL my payments were behind??.. ) she called me back today to tell me due to their policy they no longer support and payments beyond three months, they apply it directly to principle, Okay why was i NOT notified I would have asked for it back.. so how about you return it and apply it now? sorry we can not do that once it was submitted.. so I told her ma'am I didn't request a principle payment I think you need to return all that money back to me and apply it now so I can have our vehicle back.. NOPE! I owe them more than I did before.. " get out of here you scamming horrible people. '' So after I told XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So no car, XXXX XXXXXXXX, I owe them more than i would have originally, and im just told sorry about your luck, pay or we sell the vehicle. How is this legal?? where is the justice in doing this to your customers? I used wells fargo all of my life.. and this is how i'm repaid. How offensive can a company really be.. i've heard horror stories but sheesh. This is just WRONG Oh and i cant access my account anymore due to them completely blocking me from being able too access anything for my own records, cant access my agreement, cant access my loan, cant even access my BANK account..

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

WELLS FARGO & COMPANY

TN

37922

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2022-06-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. These companies are misusing my personal information and by law are violating my rights!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28214

Consent provided

Web

2022-06-01

Closed with non-monetary relief

Yes

2023-08-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

RE Applications and Inquiries on : XX/XX/XXXX and XX/XX/XXXX Address XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX This letter is a formal notice for you to cease making unauthorized hard inquiries into my credit report, and a formal demand that you immediately instruct Experian ( and any other applicable credit bureaus ) to remove your illegal inquiries from my credit report. Please note that I WILL be checking my credit report next month to ensure you have had the following unauthorized inquiries removed : XXXX, Experian and XXXX To the best of my knowledge, I have not signed any documents authorizing your company to pull my credit, which means you are in violation of the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. As long as these inquiries are removed from my credit report, then I will be satisfied. Otherwise, if you are in possession of any document that has authorized your company to make inquiries into my credit report or proves any type of permissible purpose ( as outlined in FCRA Sec. 1681b ) then I request that a copy of any such document is immediately mailed to my address listed above so that I may review it. If you do not possess any such inquiry authorization, then I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my requests. Sincerely, XXXX XXXX XXXX XXXX of SS # - XXXX

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

Experian Information Solutions Inc.

MI

48843

Servicemember

Consent provided

Web

2023-08-17

Closed with explanation

Yes

2020-10-14

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have filed numerous dispute against the company tell him I dont owe them nothing I dont know who they are they got the wrong information on there in the wrong mail and they even shown thoughts information to the list XXXX XXXX this is been going on since XXXX and finally on thanking and I are sharing the investigators finally busted them in their lies and XXXX and XXXX but yeah its still on my XXXX and my XXXX credit report and XXXX credit report they cost me to lose a lot of loans cost me higher interest rates I lost a lot of money whenever I tried to borrow money XXXX pay higher interest rate because of them I believe they owe me a lot of money like I said this is been going on since XXXX and here it is XXXX and I wont conversationFor aggravation deformation of character and use mental anguish for a damage they have done to my reports my credit and was messed up cause of them

CL Holdings LLC

GA

30132

Consent provided

Web

2020-10-14

Closed with non-monetary relief

Yes

2022-07-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

To Whom It May Concern : I've contacted PHH Mortgage Servicing Company on several occasions regarding negative information they've reported to the credit bureaus. The derogatory information that they are reporting is a charged off with a high credit amount of {$69000.00}. I've never signed a contract with PHH Mortgage regarding this account. This reporting is erroneous and I've challenged the accuracy, compliance and reportability of this listing. I've asked PHH Mortgage Servicing Company to delete this account from my credit report.

Ocwen Financial Corporation

VA

23435

Servicemember

Consent provided

Web

2022-07-18

Closed with explanation

Yes

2022-10-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am making this complaint to properly notify the credit reporting agencies of the pending disputes with the listed company that the credit reporting agencies falsely furnish on my report. On XX/XX/2022 the listed company was given notice pursuant to 15 U.S. Code 1602 ( k ) - the company never provided adequate notice which clearly and conspicuously mentioned the pertinent facts of these transactions causing me to make an uninformed decision. Further, the only evidence of indebtedness provided was just a computer-generated agreement. There's absolutely no way a computer generating a bunch of generic agreements is creating adequate notices, or agreements that everybody can understand. Lastly notice was given to the company listed for their unauthorized use which is defined in 15 U.S. Code 1602 ( p ) use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. And the credit reporting agencies are complicit and continue to violate my privacy by disclosing my nonpublic information. You might want to remove the accounts because you will be held accountable just like the companies listed. If you have any questions contact me at XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77583

Consent provided

Web

2022-10-16

Closed with non-monetary relief

Yes

2021-03-28

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

Credit reporting

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

Was not notified of investigation status or results

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

EQUIFAX, INC.

IL

60617

Consent provided

Web

2021-03-28

Closed with explanation

Yes

2023-09-21

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Investigation took more than 30 days

I am a victim of identity theft and I have sent all the correct information per the FCRA to remove the fraud accounts from my credit report. The disputes are not being done correctly and the FTC report is not being attached to the dispute. These are the accounts : 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.

NY

14211

Consent provided

Web

2023-09-21

Closed with non-monetary relief

Yes

2018-04-15

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX THESE ACCOUNTS ARE REPORTING BALANCES AND PER FCRA THEY MUST BE DELETED WHEN REPORTING INNACURATE AND THIS BUREAU HAS DONT NOTHING ABOUT IT. INCORRECT NAME OF XXXX XXXX REMAINS ON MY REPORT INCORRECT ADDRESS OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07407

Consent provided

Web

2018-04-15

Closed with explanation

Yes

2022-08-05

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

I filed a complaint about JP Chase Bank XX/XX/2022 not properly handing my bank account when it came to a court ordered XXXX. The funds in my account were completely exempt from XXXX and garnishment under THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES 31CFR Part 212.4 ; FEDERAL RULES AND REGULATIONS CFR 581.104 ( j ), 76 FR 9939, 78 FR 32099 ; and also payments made pursuant to sections 1381 et seq., of title 42 of the United States Code ( title XVI of the Social Security Act This is an update to complaint # XXXX and # XXXX that I filed with the Consumer Financial Protection Bureau that they closed and did not take my complaint serious! I went to court on XXXX XXXX the judge decided that the funds in my account WHERE EXEMPT FROM GARNISHMENT AND LEVY ; which means JP MORGAN CHASE IN FACT VIOLATED the rules and regulations put in place by THE DEPARTMENT OF THE TREASURY BUREAU OF FISCAL SERVICES to assure Banks do their DUE DILIGENCE when handling warrants for garnishment and levy on consumers accounts! Chase mismanaged my money, and my CIVIL RIGHTS were violated and I'm ready to file a lawsuit!! All discoveries are uploaded below!

JPMORGAN CHASE & CO.

NJ

07103

Consent provided

Web

2022-08-05

Closed with explanation

Yes

2021-10-13

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. I have an attached copy of my ID Theft Report in the attachments. I demand that the all and any accounts from the following accounts be removed immediately off my credit report. Account name COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.

Commonwealth Financial Systems, Inc.

VA

23231

Servicemember

Consent provided

Web

2021-10-13

Closed with explanation

Yes

2022-07-17

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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

Experian Information Solutions Inc.

FL

34471

Consent provided

Web

2022-07-17

Closed with explanation

Yes

2020-12-08

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

I have been a Citibank Diamond Preferred Card member since XXXX Recently noticed a monthly charge of {$48.00} for " Payment Safeguard '' on my card and called. I was told it is for disaster assistance and it has been charged to my account since XXXX. I told them I do not have any recollection of agreeing to the charge and asked if they can prove it to me. They claim it may be that I signed a flyer. I never signed anything nor did I agree to anything by phone. I asked for proof of the flyer, but nothing yet.

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

CITIBANK, N.A.

NY

11710

Older American

Consent provided

Web

2020-12-08

Closed with explanation

Yes

2018-07-25

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

XXXX, XXXX has been servicing my Perkins Loan from XXXX College since it entered repayment. They recently have switched website platforms and for nearly 3-weeks they have not processed a loan payment that I made. The loan payment has left my checking account and they keep blaming the error on technical trouble all while the loan is accruing interest on the incorrect amount. They are literally stealing my money and blaming it on technical delays. It is unacceptable.

TRANSWORLD SYSTEMS INC

PA

180XX

Consent provided

Web

2018-07-25

Closed with explanation

Yes

2023-07-13

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

Midland credit is attempting to collect an alleged debt from me the consumer. Has midland got " Direct Consent from me the consumer " or the express permission of a court of competent jurisdiction? I defiantly did not give midland direct consent to communicate to with me period .Has this alleged debt been verified pursuant 15USC 1692G? if not wouldn't it be false information if reported that I the consumer owes this alleged debt? and would it not be a violation of 15USC 1692e ( 8 ) if I the consumer disputed this false information and midland still furnished this inaccurate information on my credit report? Midland credit has violated my rights under the ( FDCPA ). pursuant 15 USC 1692k midland is liable for these actions.

ENCORE CAPITAL GROUP INC.

MI

48035

Consent provided

Web

2023-07-13

Closed with explanation

Yes

2021-06-26

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is very clearly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the ongoing stress being caused by the delayed resolution of this situation. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

SC

29532

Consent provided

Web

2021-06-26

Closed with explanation

Yes

2020-04-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX is reporting 3 late payments and I NEVER had them as a creditor. Numerous unauthorized hard inquiries are also showing on my report.

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

Experian Information Solutions Inc.

CA

92555

Servicemember

Consent provided

Web

2020-04-22

Closed with explanation

Yes

2020-12-03

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

Credit reporting

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

Investigation took more than 30 days

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

EQUIFAX, INC.

CA

90247

Consent provided

Web

2020-12-03

Closed with explanation

Yes

2023-07-17

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 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.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

238XX

Consent provided

Web

2023-07-17

Closed with non-monetary relief

Yes

2023-09-07

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The block must be no later than 4 business days The information is fraudulent. The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76262

Consent provided

Web

2023-09-07

Closed with non-monetary relief

Yes

2018-03-29

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

I was called by a collection agency, and when they told me that I had a collection account, it was from XX/XX/XXXX. they then told me my last payment was done inXX/XX/XXXX. I asked them what they were talking about and who the creditor was they were trying to collect for. they told me it was for XXXX XXXX credit card. I told them that I didn't remember, but that I was at work and couldn't talk at the moment but to continue talking to my fianc. I myself and my fianc told them not to put the account in dispute, and the collection representative asked us if we wanted to dispute it and my fianc said no, however the representative went ahead and disputed it anyways. I know that doing this reactivates the collection on the credit report, and it shows it as a new/recent collection. I told them that this was an old collection and shouldn't be reporting on my credit report. I told them that I didn't want it to be disputed so that it wouldn't affect my credit report, but they refused to take it out of the dispute. I have not received any documentation regarding this debt.

PORTFOLIO RECOVERY ASSOCIATES INC

NM

88012

Consent provided

Web

2018-03-29

Closed with explanation

Yes

2022-05-13

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

Credit reporting

Incorrect information on your report

Personal information incorrect

in accordance with the fair credit reporting act XXXX, Equifax, XXXX has violated my federally protected consumer rights to privacy and confindentially under 15 usc 1681 according to the 15 U.S.C 1681 section 602A I Have the right to privacy these adresses and names do not belond on my credit report XXXX : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX equifax : XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX

EQUIFAX, INC.

CA

94804

Consent provided

Web

2022-05-13

Closed with explanation

Yes

2022-03-21

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/22 I submitted letters to Equifax, XXXX and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

EQUIFAX, INC.

NC

28215

Consent provided

Web

2022-03-21

Closed with explanation

Yes

2020-08-11

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

Credit reporting

Incorrect information on your report

Account status incorrect

BSI Financial apparently bought our mortgage loan from our previous mortgage servicer. When the transaction ended, XX/XX/2020. The account was closed. The account closing was reported to XXXX and XXXX. It caused an immediate drop in credit rating 55 points and 77 points for my co-borrower. We did not close the accounts ( we didn't even know what was going on ). The accounts also are not credit card accounts but mortgage loans. The hit has been immediate and dramatic. I called our previous mortgage servicer and they directed me to BSI Financial. I called and the customer service representative said they did receive new loans but that I wasn't even in the computer. My home address wasn't either. So she couldn't help me and told me to call back on Wed., XX/XX/2020. At this time I don't even have any paperwork from BSI Financial. I don't even know who they are really, only through XXXX. I also don't know whom to pay and it is XX/XX/XXXX. I feel that we should have had this paperwork and a letter long ago. My immediate request is to correct the credit ratings as it also impacts job hunting which I am doing now. We didn't ask for our loan to be bought so it is unfair that we suffer an immediate negative hit in credit rating and possibly missed loan payment at this point, without a way to fix immediately. I also would like to know how to pay our mortgage. I feel, through no fault of our own, we are being set up to fail. I will call in again on Wed., XXXX. I'd appreciate any help that can be offered.

BSI Financial Holdings, Inc.

CA

94610

Consent provided

Web

2020-08-11

Closed with explanation

Yes

2019-02-16

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

Credit reporting

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

Investigation took more than 30 days

XX/XX/XXXX I deposited a check from an Insurance claim and it was returned, no fault of mine. Ditech reversed my mortgage payment of {$1200.00} and the insurance check of {$10000.00}, in XX/XX/XXXX. I have always paid my mortgage many days before the due date.Every month I pay an extra {$100.00} more than the mortgage payment. I have a mortgage with this company for many years and have NEVER been late. They requested the copies of my bank statement and canceled checks from my bank which I have provided. I wrote and called them every few weeks and spoke to several Managers and Customer Service Representatives. They have all promised to get the problem resolved and mail out 1 year of payment history. I have not received that from Ditech and lately I have been receiving my monthly statements late. I was informed that they are reassigning all my payments from XX/XX/XXXX to present from XX/XX/XXXX and that should resolve the problem. That has made things worst because they now have be owning {$10000.00} and reflecting that I only pay {$330.00} for interest payment for the entire year of XXXX. They have been reporting me to the credit bureau as paying late every month. Last week I received a letter that my property is in foreclosure and I need to respond to them by XX/XX/XXXX. I am a older person and this mortgage company is about to kill me. I would appreciate your assistance ASAP. Thanks.

Company believes complaint is the result of an isolated error

Ditech Financial LLC

FL

XXXXX

Older American

Consent provided

Web

2019-02-16

Closed with explanation

Yes

2019-06-20

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

I received a letter from Bank of America at my home to sign up for a Bank of America checking account and I will get a {$300.00} bonus after {$4000.00} was deposited into my account via direct deposit from my employer. I open my account in XXXX of this year and met all the requirements by XXXX but never received my {$300.00} bonus. After finally getting someone on the phone they say that they couldn't find any bonus offer for me and then told me I will have to wait 30 days for them to look into it and send {$100.00} when the offer was for {$300.00} not {$100.00}. I was advised if I could find the letter which was several months ago I could take that to a branch I might would send it to the XXXX area but of course it's been since XXXX and I no longer have that letter.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

SC

29229

Consent provided

Web

2019-06-20

Closed with monetary relief

Yes

2020-05-08

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I have a Bankruptcy that is showing on my credit report and I have tried to have the information removed and nobody has responded to my request.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75150

Consent provided

Web

2020-05-08

Closed with explanation

Yes

2021-01-12

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

Credit reporting

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

Investigation took more than 30 days

Hi I sent Transunion a dispute XX/XX/XXXX, they received it XX/XX/XXXX, today is the XXXX of XXXX of XXXX. I submitted a complaint earlier today, but I left off a page so I'm redoing it.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

710XX

Consent provided

Web

2021-01-12

Closed with explanation

Yes

2023-07-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My real estate agent just recently pulled my credit report and I came across alot of accounts that dont belong to me. I never applied for these accounts, I have no idea who stole my credit but i am in desperate need of removing these fraudulent accounts from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

RI

02906

Consent provided

Web

2023-07-16

Closed with non-monetary relief

Yes

2023-05-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My name is 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 these accounts. I have no knowledge of this and all is being investigated 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. Please delete these accounts : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX

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

Experian Information Solutions Inc.

NY

11219

Consent provided

Web

2023-05-11

Closed with explanation

Yes

2018-08-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These inquiry accounts were disputed on XXXX. XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

36526

Consent provided

Web

2018-08-05

Closed with explanation

Yes

2017-07-31

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

The company took {$1400.00} from my checking account before I agreed to the terms. There was no third party verification and the supervisor was pressuring me and trying to intimidate me into paying {$4500.00} which I explained that I could not afford. I told him I was no longer interested in the payment terms. I then went online and paid the past due amount to XXXX XXXX on the XXXX of XXXX, 2017. The next day, on the XXXX, of XXXX 2017, Firstsource Advantage , LLC. took the {$1400.00} out of my checking account without my authorization with a check that appeared to be written by me.

Company disputes the facts presented in the complaint

Firstsource Business Process Services, LLC

PA

189XX

Consent provided

Web

2017-07-31

Closed with explanation

Yes

2021-09-03

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

To Whom It May Concern, I have been the victim of identify fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. Under the Fair Debt Collections Practices Act, I have the right request validation of the debt you say l owe. I am requisition proof that l am indeed the party you are asking to pay this debated there is some contractual obligation which is binding on me to pay this debt.

Smith, Rouchon & Associates, Inc.

MS

39211

Servicemember

Consent provided

Web

2021-09-03

Closed with explanation

Yes

2020-08-17

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

Credit reporting

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

Problem with personal statement of dispute

I dispute and requesting the Experian credit bureau permanently delete the collection account for XXXX since it was over 7 years old and because information is being reported by collection agency was illegal re-aging. I also submitted 3 copies of past due notices from original creditor that shows that first DOFD was in XX/XX/XXXX and up to XX/XX/XXXX, however credit bureau just would sent dispute to collection agency and leave comment that collection agency reported back it is accurate.. Clerk from Experian wants me to provide him my history payment statement from the date account was opened, which is impossible to get. I called collection agency and they wouldn't do it and the original creditor wouldn't give me any due to account is placed for collection.

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

Experian Information Solutions Inc.

NV

89123

Consent provided

Web

2020-08-17

Closed with explanation

Yes

2023-07-14

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I DID NOT SIGN ANY AGREEMENT THAT GM FINANCIAL COULD FURNSH MY PERSONAL INFORMATION TO ANY COMPANY, WHICH IS A VIOLATION OF 15 USC 6821A. THIS IS AN ADVERSE ACTION AND IDENTITY THEFT. THIS IS ALSO A CLEAR VIOLATION 15 USC 1681B ( 2 ). THE REPORT OF 2 ALLEGED LATE PAYMENTS TO MY ACCOUNT XXXX IS NOT VERIFIED, WHICH IS A CLEAR VIOLATION OF 15 USC 1681A ( 4 ). THE INFORMATION PROVIDED TO THE CONSUMER REPORTING AGENCIES OF LATE PAYMENTS ARE INACCURATE AND A DEFAMATION OF MY CHARACTER, WHICH IS VIOLATING 15 USC 1681E ( B ) AND 15 USC 6821A ( 2 ). THIS INCORRECT REPORTING IS CAUSING DENIALS WHENEVER I'M TRYING TO EXTEND MY CREDIT FOR PERSONAL, FAMILY AND HOUSEHOLD USE.

General Motors Financial Company, Inc.

NY

106XX

Consent provided

Web

2023-07-14

Closed with explanation

Yes

2018-11-05

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

Every day I am receiving 2-3 calls a day, up until XXXX XXXX from AMERICAN EXPRESS. The number shows as XXXX. After so many calls, I called the number left for me to call for a very important matter. The number to call is, XXXX. After reaching a live agent, I was told to enter my card number, OF WHICH I DON'T HAVE. I explained that 40 years ago I had an AMERICAN EXPRESS CARD, when I was in the work force. Also there is no one at my home except me, and please stop calling as I do not owe them.

AMERICAN EXPRESS COMPANY

WA

XXXXX

Older American, Servicemember

Consent provided

Web

2018-11-05

Closed with explanation

Yes

2023-07-12

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

Credit reporting

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

Investigation took more than 30 days

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

65401

Consent provided

Web

2023-07-12

Closed with non-monetary relief

Yes

2016-10-31

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Don't agree with fees charged

Dear Consumer Financial Protection Bureau, Amid 6 months of contacting XXXX and XXXX regarding my American Education Services ( AES ) Federal Student Loan, I write, because since XXXX 2015 there has been a persistent error regarding the balance of XXXX my AES student loans. Specifically, the balance for XXXX of my AES student loans jumped 56 % ( {$17000.00} ) in one month and has been negatively impacting my credit and ability to secure employment for several years. And despite provided detailed evidence and documentation via emails and in writing to the above noted organizations no one has responded to correct this matter. I am requesting that this error be corrected in my XXXX credit reports and in AES records as soon as possible. Above all else, imperishable thanks for your time and consideration in this matter.

AES/PHEAA

CO

80237

Consent provided

Web

2016-10-31

Closed with explanation

Yes

Yes

2022-08-12

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

Credit reporting

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

Investigation took more than 30 days

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. Also, the name and address below listed on my credit report are not nor have ever been an address in which I resided and do not relate to me. It is the result of identity theft. I have contacted Equifax XXXX and XXXX many times to have a solution to their inquiry issue and they have refused to remove or respond to my letters in the time frame given.

EQUIFAX, INC.

CA

92102

Servicemember

Consent provided

Web

2022-08-12

Closed with explanation

Yes

2022-06-17

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have sent all three credit bureau 's letters to removed unauthorized inquires off my credit report, that I have no knowledge of. They have refused to remove any of the inquires that I have asked to be removed.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21234

Consent provided

Web

2022-06-17

Closed with explanation

Yes

2023-03-03

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

The unverified items listed below remain on my credit report in violation of Federal Law. Rather than immediately remove the items listed below per federal law, you opened up a dispute for these items, contrary to my request. I am NOT disputing these items, I am demanding that they be removed if you can not provide me visual proof that I have signed a contract for this account. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing dated XX/XX/23, received in the mail by me XX/XX/23, that you " verified '' that this item is being " reported correctly. '' Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit and has. Caused me emotional distress. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76006

Consent provided

Web

2023-03-03

Closed with explanation

Yes

2022-01-24

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

Credit reporting

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

Investigation took more than 30 days

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results

CAPITAL ONE FINANCIAL CORPORATION

NV

89012

Consent provided

Web

2022-01-24

Closed with explanation

Yes

2019-03-31

Credit card or prepaid card

Store credit card

Problem when making payments

You never received your bill or did not know a payment was due

Never received bill in month if XXXX but when i received XXXX bill, I saw missed payment and paid required amount. Phone calls from the bank coming all hours of day and night. Had to install robo killer device on cell. The continue to disquise calls as unknown. I request them to stop as payment was made electronically thru my bank and confirmed delivered.

Bread Financial Holdings, Inc.

VA

230XX

Consent provided

Web

2019-03-31

Closed with non-monetary relief

Yes

2022-10-20

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts is UNKNOWN to me and I have doubts about their accuracy. XXXX XXXX XXXX XXXX XXXX, IL XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX

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

Experian Information Solutions Inc.

IL

60402

Consent provided

Web

2022-10-20

Closed with explanation

Yes

2022-06-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

CA

93312

Consent provided

Web

2022-06-26

Closed with explanation

Yes

2023-02-06

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

Credit reporting

Incorrect information on your report

Account information incorrect

Incorrect amount being reported to credit bureaus for vehicle loan repayment.

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

Experian Information Solutions Inc.

MD

20745

Consent provided

Web

2023-02-06

Closed with explanation

Yes

2022-12-30

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, and Equifax violated my rights and privacy and disregarded the fact that I'm a federally protected consumer and according to the 16 CFR 422 1-3 states any holder has the right to assert their rights and Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten verbal, nonverbal per 15 USC 6802. A charged off account is considered a certificate of indebtness which means income and income according to the IRS publication income has to be filed on my taxes and not reported to my credit report. Im now rescinding under the 1974 Privacy Act and XXXX has violated my rights and taken criminal action by reporting unlawful and invalid activities by reporting transaction history which is unlawful under 16 CFR 313.7 also XXXX and XXXX disregarded my privacy and rights as a federally protected consumer to gain profit. Therefore, the charged off XXXX account I am asking this to be blocked and removed immediately as set by law, also according to 15 USC 1666 b late payments shouldnt be reported as well, not to mention the violations of the Security and Exchanged Act. I would like the original documentary evidence that I owe this debt and have it forwarded to me and all relevant documents with proof, as well as the method used to verify that this account is accurate including name, address, and telephone number. Please do not merely contact the company electronically without a copy of this letter and all relevant enclosures and I'm not asking for an XXXX report. I also will require for purpose of discovery that all information from Creditor/Collection Agency be signed in ink by the officer of the company with the corporate seal or a notarized copy along with full direct contact information for this officer and if XXXX, XXXX, and Equifax don't provide me documentation that in fact I authorized any of these accounts I want them removed asap and all XXXX credit bureaus have XXXX days to remove it by law. XXXX, XXXX, and Equifax already have me as a victim of identity theft and they had it in their system as well, it's also on my credit reports. Credit alerts and monitoring services was also added to my profile. Im requesting Billing error status under 15 USC 1666A and while my account is in billing error status a company cant do adverse actions, threaten, report late or report delinquent on an account. I want the following accounts below blocked from my report and deleted immediately today! not XXXX days from now, theres no need to investigate when I clearly stated the laws that federally protects consumers When their rights and privacy are violated. These items can be removed immediately just by putting in the code for deletion, when Im stating the very consumer federal laws and Acts based off the FTC pursuant to section 605B. These creditors along with the credit bureaus and XXXX-party companies have shared and sold my information for interest and securities, and that put me in a lot of hardship and depression filled with heart ache, humiliation, and suffering and pain being a single father of XXXX kids, and having to experience the wrong doing and unlawful acts of these items being placed on my credit report hindering me from getting a home and the vehicle for us, because of the wrongful, inaccurate and illegal reportings. Things went downhill from there and truthfully and I should have been a part of the class action law suit for XXXX XXXX XXXX because they were doing shady, unethical and illegal things. I just recently hired a law firm enforcing consumer right under the FCRA Fair Credit Reporting Act. 15 USC 1681et seq. XXXX my behalf to seek all possible Remedies and damages associated with the Fair Credit Reporting Act laws. Please note that your credit reporting agency is now subject to federal consumer financial laws. Including among others, the FCRA and title X of the Dodd- Frank Act, and related regulations a ban on Abusive Acts or Practices { section 1031 of the Dodd - Frank Act } } By the way the address on my credit report is incorrect and its an nonmailable address. My address XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX and this is the only address I been at over 15 years and please make this update on my report and delete the other nonmailable address. The following accounts below I want removed asap : ALL XXXX ACCOUNTS on XXXX XXXX XXXX Block, optout, and Delete ALL XXXX accounts referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility XXXX NEVER LATE FOR XXXX Based on 15 USC 1666B. Billing error & Electronic Transfer Act and want removed from XXXX and XXXX XXXX -- - Block, optout, and delete this account referencing the consumer laws and Acts I stated above that based on numerous violations and unlawful criminal activity that was done to me and my credibility and want removed from XXXX, XXXX. and Equifax and I want it removed as well because of the violation of my rights and privacy according to many of the federal laws I stated above that all XXXX credit bureaus and more XXXX party companies have broken and XXXX, Equifax, and XXXX are securitizing my data and every other consumer as well yet refuse to provide a copy of my file when I'm an investor in their companies by my information being sold as securities and I wanted to be compensated for the unlawful reporting and the pain, humiliation and suffering I been through being a single father trying to purchase a home at the time and the repossession of my truck has put me in financial struggles and unbearable hardship because of this criminal activity and sinister acts I would like compensation from all companies. Hard Inquiries : Please Delete all inquiries below based on 15 USC Permissible Purposes US DEPT. OF EDUCATIONXXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXX

EQUIFAX, INC.

SC

29803

Consent provided

Web

2022-12-30

Closed with explanation

Yes

2020-06-15

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX- I have been a victim of identity theft and should be receiving free credit monitoring which XXXX has locked me out of my account, continues to solicit monthly payment of XXXX a month, reports inaccuracies on my credit report after several disputes and letters violating FCRA with no documentation of proof resulting from their investigations. I have tried calling numerous times resulting in no answer the numbers they have advertised. I have also used credit repair agencies and advice to follow from professionals and still have had no success. XXXX Continues to report inaccurate information on my credit report after several attempts to dispute. My credit score has increased due to good payment history. Between XXXX XXXX in one day my report showed a report of good payment history with the removal of an inquiry, and payment decrease which showed a increase and decrease in the same day of 57 points. On my trans union and XXXX reports my scores are in the XXXX range. XXXX continues to report inaccurate credit scores and accurate information. I have used professional services, sent several dispute letters, and questioned their violations of FCRA. They have not mailed me proof of any disputes showing signature and documentation, and have allowed changes to my account with incorrect updates, information from creditors harming my credit file. I am requesting a full investigation to their practices and would like to seek damages as a result to their practices.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

174XX

Consent provided

Web

2020-06-15

Closed with explanation

Yes

2022-02-04

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

PLASE HELP ME Complaint Against Specialized Loan Services LLC Account No : XXXX XXXX XXXX Foreclosed PropertyAddress : XXXX XXXX XXXX. XXXX, GA XXXX Property Foreclosed : in XXXX I, XXXX XXXX, bring this issue to you once again as Ive been trying to deal with issue for years and no one at Specialized Loan Service, ( SLS ) will address the credit reporting errors. I have contacted SLS over twenty times with no one to help me. In XXXX, I submitted paperwork for a home loan and was denied due to SLS reporting a XXXX foreclosure that was reporting still active and reporting late when the property in question was CLOSED. The reporting caused me a great deal of distress as I contacted SLS pleading that they make the correction, and remove it from credit reporting. It was requested by SLS that I send my request in writing, which I did send via Certified Return Receipt. I received the receipt of acceptance from SLS, however, they continue to report the account to the credit reporting bureaus. Due to the incorrect reporting, I lost out on purchasing a home as no lender would work with me. In XXXX, I am in the process of purchasing a home and once again, SLS has not removed, nor have they corrected the incorrect information they are reporting to the bureaus. It is imperative that this be corrected asap! I can not lose out on purchasing a home once again due to SLS violating my rights as a consumer and disable veteran. There is no reason why SLS can not make the correction and also remove the account from reporting as its a very old account that continues to hurt my rights of purchasing a home for me and my family. This has caused me so much emotional distress, and XXXX. If this is not corrected, I will lose out on another home. If this is not corrected, I will seek legal counsel for emotional distress and damages. I seek your assistance with this issue that I can not get SLS to correct. Thank you, I may be reached at XXXX XXXX

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

Specialized Loan Servicing Holdings LLC

FL

33411

Servicemember

Consent provided

Web

2022-02-04

Closed with explanation

Yes

2023-08-17

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

Credit reporting

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

Their investigation did not fix an error on your report

My credit report is showing late payments to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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

Experian Information Solutions Inc.

CA

91403

Consent provided

Web

2023-08-17

Closed with explanation

Yes

2022-08-13

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

Credit reporting

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

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

World Finance Needs to remove incorrect information from all of my credit reports.

World Acceptance Corporation

KY

42104

Consent provided

Web

2022-08-13

Closed with explanation

Yes

2022-11-04

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

Credit reporting

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

Their investigation did not fix an error on your report

The credit bureaus are illegally reporting inaccurate information on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91387

Consent provided

Web

2022-11-04

Closed with non-monetary relief

Yes

2020-07-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

EQUIFAX, INC.

FL

33462

Consent provided

Web

2020-07-23

Closed with explanation

Yes

2022-12-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my six 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX : {$2200.00}

EQUIFAX, INC.

NC

28306

Consent provided

Web

2022-12-08

Closed with explanation

Yes

2022-06-09

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

Someone used my identity to get a A apartment in my name and purchased a vehicle.

National Credit Systems,Inc.

FL

33168

Consent provided

Web

2022-07-06

Closed with explanation

Yes

2021-07-19

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

XXXX XXXX was sent a letter of dispute. After review of my credit reports, XXXX XXXX has not marked my account as disputed as required by the FDCPA

EQUIFAX, INC.

NC

27545

Consent provided

Web

2021-07-19

Closed with explanation

Yes

2017-05-04

Credit card or prepaid card

Store credit card

Problem when making payments

Problem during payment process

On XX/XX/XXXX I mailed a check in the amount of {$2700.00} to Macy 's XXXX XXXX , to be paid towards my credit card balance. For 3 weeks I waited and they told me they never received it. On XXXX XXXX 2017 I called my bank and they said Macy 's cashed the check on XXXX XXXX 2017. It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called Macy 's back to see if they received it. They said they 'll need to investigate and it could take up to 2 billing cycles ( 2 monthhs ) to get it corrected. I severely needed this check to go through to Macy 's as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.

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

CITIBANK, N.A.

OH

452XX

Consent provided

Web

2017-05-04

Closed with explanation

Yes

2018-09-16

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

XXXX XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. Can someone please help me

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

Experian Information Solutions Inc.

PA

152XX

Consent provided

Web

2018-09-16

Closed with explanation

Yes

2022-12-26

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

Credit reporting

Incorrect information on your report

Account information incorrect

Company continually displays incorrect information on my account, an account was paid in full and closed and now they are trying to report it as 6 months delinquent. Another account was inaccessible for months to make payments and they also reported that as delinquent. I called multiple times attempting to pay, but it is common knowledge their system was down for a long time and my account was being reported incorrectly.

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

Experian Information Solutions Inc.

KY

41011

Consent provided

Web

2022-12-26

Closed with explanation

Yes

2018-03-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I paid my balance in full on XX/XX/XXXX my bill isnt due until XX/XX/XXXX. Capital one is holding on to payments until the payment due date to ensure interest charges are applied. I thought I was the only one experiencing this issue until I made a XXXX dollar payment on my husbands credit card that I am an authorized user for. The payment will not post until XX/XX/XXXX although I made the payment on XX/XX/XXXX.

CAPITAL ONE FINANCIAL CORPORATION

TX

XXXXX

Servicemember

Consent provided

Web

2018-03-19

Closed with explanation

Yes

2023-06-17

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/XXXX I received a text from SCHWAB Visa Debit card that my card was used in XXXX XXXX for {$1.00}. A minute later another text that my XXXX debit card was used for {$430.00}. and another text if I authorized this transaction Yes or No. I replied NO. Right away I called Schwab and reported these transactions. SCHWAB canceled my Debit Visa. I only had {$300.00} in my checking account, the fraudulent charge was for a larger amount and I noticed that SCHWAB transfer additional money to cover the charge from my brokerage account. On XX/XX/XXXX I called SCHWAB and asked if they are going to revert the charges. They said they are investigating the case and don't know. Depending on the investigation the decision will be made once the investigation is completed. In the meantime, I have no cash left in my checking and brokerage account. Why can they allow fraudulent charges to clean my account and not fund my account? I did not make these charges, The cards are in my possession and I clearly have not authorized the charge by promptly replying to Schwab 's text.

CHARLES SCHWAB CORPORATION, THE

AZ

850XX

Consent provided

Web

2023-06-17

Closed with explanation

Yes

2020-06-29

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

XXXX XXXX - XXXX ( rental company ) sent a damages statement after we moved out. We called and told them that we believe these charges to be valid. We consulted with a lawyer and are only responsible for the depreciated values, assuming the damages are outside of normal wear and tear. We only spoke with the receptionist who said she'd pass it along, but told her we would need proof, including pictures, and receipts of installation to calculate depreciated value of the carpet, vinyl floors, and A/C cover. We did not hear anything back. XXXX, XXXX - I noticed a collections agency had late payment reports since XX/XX/XXXX and filed a dispute with the credit bureau as I was unaware of what they were. XX/XX/XXXX - FABCO sent first letter, the same damages statement XXXX provided, and an unsigned renewal copy of the lease from and a signed pet addendum with the wrong address from XXXX, XXXX as a response to my credit dispute. XX/XX/XXXX ( postmarked XXXX ) - I sent a request for proof of debt validation., requesting pictures of the accused damages, receipts of original installation, original value, and life expectancy of each item they were charging to be replaced, and requested the late payments be removed from my credit score for the dates I was never notified of the debt XXXX XXXX XX/XX/XXXX ). XX/XX/XXXX - FABCO sent extremely blurry, black and white, close up pictures that can not even be identified in most cases, and internal statements provided by XXXX. These internal statements just have one line of a number representing original value with no actual information or proof of the original installation/value/life expectancy of the items to calculate depreciated value. Additionally, one of the statements containing the carpet information ( only one that shows a date of installation ) claims that the carpet was installed in XXXX of XXXX, which I know is untrue because I lived there at that time. I believe XXXX is trying to scam us and assumed we would believe it because the copy of the lease they provided was really a renewal of the lease from XXXX, so they didn't realize I had been living there in XXXX. Additionally, I believe some of these charges are made up so they could try to get us to pay to replace the entire carpet throughout the house, as they claim holes in the carpets from the dogs in all bedrooms. Only 1 bedroom was actually used, the remaining 3 bedroom doors remained closed at all times and the dogs were not allowed in. The pictures provided are also completely unidentifiable, and the few that I think I can identify look to be normal wear and tear. They also claim that the lease states the walls were not allowed to be painted any color other than neutral colors, which I questioned as I did receive approval, but am unable to get a copy of the original full lease from them. I have provided examples of the photos and statements as my zipped file containing all the correspondence is too large to submit. However, I do have all letters, statements, and pictures if needed.

Federal Adjustment Bureau, Inc.

OH

43082

Consent provided

Web

2020-06-29

Closed with explanation

Yes

2020-12-08

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

Credit reporting

Incorrect information on your report

Account information incorrect

I'm unsure as to what this account is about. There's also a report date of XX/XX/20 on my report that is incorrect and false. Please do not respond with an automated message.

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

Experian Information Solutions Inc.

LA

70360

Consent provided

Web

2020-12-08

Closed with explanation

Yes

2020-06-09

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

My medical debt was transferred from XXXX XXXX XXXX to Browns Collection Service in XX/XX/XXXX. In XXXX of XXXX I explained that I did not have the funds to pay in full and could realistically pay {$200.00}. They told me the minimum was {$280.00} and that it was a courtesy they didn't need to offer. I sent 3 payments, only 2 were received. They are now threatening me with a lawsuit if I do not pay in full. During a global pandemic. I do not have the funds to pay {$3600.00}. When I was trying to work out an arrangement, XXXX XXXX was rude the entire time. Told me I was " lucky '' to even be getting a payment arrangement, and that the lawsuit would take care of dealing with me if I couldn't. XXXX has yelled at me numerous times, told me I was poor with money management, alleged that my husband should take care of it if I couldn't, and said my inability to pay was " luxury items '' she told me I had no reason why I couldn't take care of it, didn't ask if I was struggling with employment, or other life events, and said that she was the expert after 20 years of doing this and that my account isn't special. XXXX. Unreasonable torment for someone that's just trying to do the right thing and pay their bills.

Brown’s New Credit Bureau Inc.

GA

313XX

Servicemember

Consent provided

Web

2020-06-09

Closed with explanation

Yes

2022-02-14

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Experian Information Solutions Inc.

NY

XXXXX

Consent provided

Web

2022-02-14

Closed with non-monetary relief

Yes

2023-07-13

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and anxiety. I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.

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

Experian Information Solutions Inc.

FL

33010

Consent provided

Web

2023-07-13

Closed with explanation

Yes

2021-02-04

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

I have an open complaint about injuries from CapitalOne with the CFPB with Complaint ID XXXX. CapitalOne closed the credit card account in question on XX/XX/2021, account ending XXXX without prior notice. I called to find out what was going on and the representative told me my account was closed due to too many returned payments and also fraud on my part. The representative later said she cant find any returned payments so she transferred me to the fraud department, this is where the agent told me my card is closed and that a mail has been sent to notify me. I received the mail about 8 days later. I have attached proof from a screenshot of my USPS mail notification by email labeled exhibit D. CapitalOne has not complied with my validation of debt request which is my right as a consumer pursuant to 15 USC 1692g meanwhile they charged a past due fee to the alleged debt and also interest. CapitalOne falsely represented the character, amount or legal status of the debt which is a violation pursuant to 15 USC 1692e ( 2 ) ( A ) under the Fair Debt Collection Practices Act. I have proof attached from CapitalOnes mobile app labeled exhibit A. Further adding more injury, CapitalOne is reporting the closed account with balance to XXXX XXXX and XXXX consumer reporting agencies. Under the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( A ) it is the duty of furnishers of information to provide accurate information, and it also prohibits reporting information with actual knowledge of errors. It goes on to provide that a person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This is in fact a violation pursuant to 15 USC 1681s-2 ( a ) ( 1 ) ( A ) CapitalOne also closed another credit card ending XXXX which was out of the question, also without prior notice and a notice by mail was received 8 days later. The second card is a card CapitalOne gave me a pre-approval offer for on XX/XX/2021, I applied and they approved me on XX/XX/2021 and they closed the card on XX/XX/2021. CapitalOne used my Social Security card which is my credit card pursuant to 15 USC 1602 ( l ), to originate the credit and closing the account after sending me a card constitute unauthorized use of my credit card pursuant to 15 USC 1602 ( p ) because, I, the cardholder receives no benefit. This constitute a willful noncompliance under Truth In Lending Act which makes CapitalOne criminally liable pursuant to 15 USC 1611 ( 1 ) because the above referenced case was open and is still open and I believe CapitalOne knew they were going to close my credit cards anyway since they have violated my consumer rights in all possible ways, they shouldnt have pre-approved me for another credit card offer only to close it after 10 days of approval without prior notice. I have attached proof in the attachment labeled exhibit E. I have proof in the attached exhibit labeled exhibit B and exhibit C that CapitalOne closed my account because I exercised my right in good faith as a federally protected consumer. This is in fact a violation pursuant to 15 USC 1691 ( a ) ( 3 ) which provides that it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction because the applicant has in good faith exercised any right under this chapter.

CAPITAL ONE FINANCIAL CORPORATION

CT

06042

Consent provided

Web

2021-02-04

Closed with explanation

Yes

2021-02-24

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

Wells Fargo suddenly closed my account based on credit usage increase and 30 day late notice on my credit report that was erroneous in nature and is being disputed. I had just finished paying off credit card with a XXXX credit limit. I was a good customer and even took a consumer loan to finance kitchen remodel. They merely closed my credit card account and ruined my credit score based on nothing feasible and fear. They in no way worked with me or asked why credit usage was high ( was remodeling home ). The credit usage was on another card not affiliated with WF.

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

WELLS FARGO & COMPANY

CA

91766

Consent provided

Web

2021-02-24

Closed with non-monetary relief

Yes

2023-08-02

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

EQUIFAX, INC.

CT

06605

Consent provided

Web

2023-08-02

Closed with non-monetary relief

Yes

2023-01-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78040

Consent provided

Web

2023-01-10

Closed with non-monetary relief

Yes

2022-06-30

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

631XX

Consent provided

Web

2022-06-30

Closed with non-monetary relief

Yes

2020-06-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX COUnder Dispute U.S. DEPARTMENT OF XXXXUnder Dispute all ftc

EQUIFAX, INC.

LA

70809

Consent provided

Web

2020-06-25

Closed with explanation

Yes

2023-02-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Netcredit a loan provider made a determination on a loan by a third party which I believe violates my rights as a consumer.

ENOVA INTERNATIONAL, INC.

OR

974XX

Consent provided

Web

2023-02-28

Closed with explanation

Yes

2023-07-13

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I put in a fraud claim to Navy Federal Credit Union for charges made on my Checkings account that were not mine on a foreign island I went to for a Scuba Diving trip in the beginning of XXXX of 2023. I was on the island of XXXX, XXXX XXXX XXXX from XX/XX/2023 through XX/XX/2023. The charges began around the XXXX of XXXX towards the end of my trip and ran all the way through the XXXX, 5 days after I had already come back to the United States and blocked my card. I was not notified of these transactions until the XXXX and by then there were numerous transactions on the card. Even after blocking my card, all pending transactions that were not mine were still processed and taken out of my account. I called a representative on XX/XX/XXXX after going through my account and seeing how many transactions were actually made to put in a fraud claim. After speaking with the representative who was helpful and even said himself that the charges looked obviously suspicious, the total amount came out to {$680.00} after separating fraud charges from my actual transactions. I was assured that I would receive provisional credit within the day and in the worst case scenario it would be 10 business days. I patiently waited for the credit to be issued and it never did. I called again on XX/XX/XXXX to speak with a representative that informed me my claim was denied and the only information I got was that after an investigation, no errors were found. I found it unprofessional as I was not even asked to provide any documentation to provide my claim and I had plenty from screenshots to multiple transactions in the same amounts of XXXX and XXXX with an absurd amount of international transaction fees directly under. It was clear that someone was abusing my card information. It was especially evident considering these transactions were still being made days after I was off the island and back in the states. I was also in possession of my card the entire time therefore it did not make sense that there were reoccurring international transactions on my card from an island I was no longer on. On XX/XX/XXXX I made valid purchases in the amount of {$200.00} from an ATM in my city of residence and there were still foreign transactions being made. It simply is not possible for me to be in two places at once. Upon my request to have a second review made into the matter I provided my flight itinerary proving I was already back in the XXXX and multiple photos of charges on my account that were evidently not mine as they were repeatedly in the same amounts at the same location. On XX/XX/XXXX I contacted a representative on the matter and was put on hold multiple times when I asked for a detailed explanation as to why my claim was denied the first time. I later received a message from Navy Federal Credit Union stating that my claim was denied due to discrepancies in the information I provided. However, prior to the second claim no documents were provided and the only information to go off was what the representative and myself spoke about. Today I received a letter stating that again no error was found despite the ample amount of information supporting my claim I provided. It is unjust and I fully believe I was not given a fair investigation and every time I requested detailed information, I was put on hold or given vague responses.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

NJ

07305

Servicemember

Consent provided

Web

2023-07-13

Closed with explanation

Yes