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2022-09-11 | 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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | null | EQUIFAX, INC. | TX | 75287 | null | Consent provided | Web | 2022-09-11 | Closed with explanation | Yes | null | 5,968,515 |
2021-01-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following information listed on my XXXX and Equifax credit report is inaccurate, incorrect and not my information : Employer : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, I never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, XXXX XXXX XXXX, XXXX, MN XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX, the following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX and XXXX XXXX/XXXX, XX/XX/XXXX | null | EQUIFAX, INC. | MN | 55343 | Servicemember | Consent provided | Web | 2021-01-17 | Closed with explanation | Yes | null | 4,074,816 |
2023-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77379 | null | Consent provided | Web | 2023-01-04 | Closed with explanation | Yes | null | 6,394,581 |
2020-12-01 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | more than 4 months i received collection form XX/XX/XXXX regarding my previous renter with collector company named Hunter Warfield for amount of {$1300.00} but i have 2 judgements against this i called XX/XX/XXXX and start dispute more than 7 times but no responds from them so i need to remove this collection from this company in my account | null | HW Holding, Inc | CA | 91764 | null | Consent provided | Web | 2020-12-01 | Closed with explanation | Yes | null | 3,983,962 |
2021-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/21 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 Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach. | null | EQUIFAX, INC. | TX | 76548 | Servicemember | Consent provided | Web | 2021-05-01 | Closed with explanation | Yes | null | 4,342,844 |
2020-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am highly upset! All credit bureaus reported to the CFPB that my information was verified when it wasn't. They have not sent me any verifiable information to determine that these accounts belong to me. I am a victim of ID theft. No matter how loud I scream this, I am getting nowhere with the credit bureaus. They are not complying with the laws of ID Theft. They are all treating me as if I am the criminal. This is not fair!!
XXXX, XXXX and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33971 | null | Consent provided | Web | 2020-02-10 | Closed with explanation | Yes | null | 3,526,419 |
2022-11-11 | 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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19143 | null | Consent provided | Web | 2022-11-11 | Closed with non-monetary relief | Yes | null | 6,197,513 |
2022-05-21 | Checking or savings account | Other banking product or service | Closing an account | Company closed your account | Hello. On XX/XX/2022 during a break at work I called my Bank ( Chime Bancorp Bank ) to dispute a {$30.00} charge. The representative filed the dispute and told me that if I had any documentation of proof that I could send it in but it wasnt mandatory. So I told him after I get off from work I would be able to send in all proof needed. XXXX minutes before I got off from work I received an email stating my Savings, Checking, and Credit Builder accounts had all been closed which was at XXXX XXXX. I was shocked because in total I had close to {$10000.00} in my account. I couldnt even reach out to the company by phone because it kept prompting that my account was closed so I had to reach out by email. I was devastated because I needed access to my funds IMMEDIATELY and had no clue why my account was even closed in the first place. I never done anything wrong, never was overdrawn, never showed suspicion activity. So, I called them from my mothers phone in tears because I have very bad anxiety, I spoke with multiple supervisors and one supervisor actually tried to open the account back because he said that I should have had some type of warning or at least 5 days notice before a closure happened. I had to go to the hospital for this matter because I really needed my funds and I have no answer as to why my account was actually closed. I need my funds for medical reasons and right now I dont have access to any money which is not fair at all to me! I chose their Savings account just for medical reasons. They have not given me any information regarding why my account was closed. I also looked online afterwards and have noticed others have experienced this issue as well and didnt receive their funds back. I have been trusting this company for over 2 years and would have never expected something like this to happen to me. Please someone help me solve this! | null | Chime Financial Inc | TX | 77084 | null | Consent provided | Web | 2022-05-21 | Closed with explanation | Yes | null | 5,586,416 |
2019-04-08 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | To Whom It May Concern : I began making payments on my student loan in XXXX and have not missed or been late on a single payment. I set up autopay in XXXX and have continued using autopay up until today - same bank, same account.
For no reason that I can discern, my XX/XX/XXXX autopay failed to debit from my bank account. This has never happened before. This was not due to insufficient funds or to any action taken on my part.
I received an email notifying me of my " missed '' payment, and promptly logged into my account. As a result of this " missed '' payment, I noticed ( but was never notified ) that I lost the 1 % on-time customer interest rate reduction that I had earned for making my first 48 loan payments on time.
I just called Nelnet to get them to fix this. After spending 47:03 on the phone, as well as paying the " missed '' XX/XX/XXXX payment, they said they can't do anything about this issue, and will " look into it. '' I was told " someone will probably call you back in 3-5 days. '' I smell a rat. The mistake was made on their end, and serves their purposes.
Is Nelnet purposefully " missing '' a payment from on-time customers so that it can quietly take away their 1 % interest rate reduction, and then attempt to drown them in a sea of bureaucracy when ( if ) they notice and complain?
Class action lawsuit?
Expecting resolution of this matter, along with apology, as well as restitution, immediately.
Sincerely, [ redacted for purposes of publication ] | null | Nelnet, Inc. | CA | 94132 | null | Consent provided | Web | 2019-04-08 | Closed with explanation | Yes | null | 3,205,514 |
2023-03-27 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I lived in the apartments XXXX XXXX and one day someone was visiting my apartment and they hit her gate coming in or out. The apartment have video of the person who hit the gate and know that it was not me and also that they were not a resident of my apartment just someone stopping by. I have disputed this debt as well as provided the person who did hit the gate name which is XXXX XXXX she should be responsible for this debt as I explained to the apartments. They have a clear video of this lady hitting the gate and have continued to be a nuisance on my credit | null | National Credit Systems,Inc. | TX | 75181 | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,755,923 |
2023-07-10 | 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | TX | 798XX | null | Consent provided | Web | 2023-07-10 | Closed with non-monetary relief | Yes | null | 7,230,151 |
2022-03-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Fraudulent inquiries and inaccurate account information | null | EQUIFAX, INC. | CA | 95350 | null | Consent provided | Web | 2022-03-27 | Closed with explanation | Yes | null | 5,373,765 |
2017-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have filed a dispute with the Cfpb in regards to XXXX XXXX falsely reporting lates on my credit report and then they remove it after reviewing my payments and then they report other payments late this is an ongoing cycle with them. this is the 3rd time this has happened and when I called XXXX XXXX this time they say that they have gotten new payment system but I am still having the same issue. I reviewed my account history and they agree that no payments were made late but yet they just reported 3 payments as late that had been reported as current. This is becoming quite ridiculous and something needs to be done if they ca n't report accurate information. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are now reporting late but were previously reported as on time. I have not made the payments late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 216XX | null | Consent provided | Web | 2017-06-19 | Closed with explanation | Yes | null | 2,545,761 |
2023-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent my FTC report, PA license, and 15 USC 1681c-2 to XXXX, Experian, And XXXX through certified mail. I requested to block the fraudulent information from my consumer report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 190XX | null | Consent provided | Web | 2023-06-02 | Closed with explanation | Yes | null | 7,064,029 |
2023-04-12 | Debt collection | Other debt | Communication tactics | You told them to stop contacting you, but they keep trying | On or about XX/XX/XXXX a XXXX XXXX came to my house and installed a water softener system and told me that they have in house financing for their systems and it would only be {$70.00} a month for 96 months with no interest or fees. I was never given any account information or terms just a yellow paper receipt with the cost of the machine and the additional price for the platinum maintenance package. The technician had a little cell phone that I signed the installation agreement but I only signed that XXXX thing. I started to immediately have issues with the water softener system and tried multiple times to obtain assistance in repairing the issues. The original company ( XXXX XXXX ) never followed through, falsely changed their address with the XXXX and won't honor their part of the deal and when I did speak to a representative I told them I wanted to cancel the contract and have them take the machine back, at which point they informed me they don't hold the money part - it was a CREDIT CARD!!! ( not what I was led to believe at all ) and I would have to dispute it with the credit card company ( ISPC ). So, on XX/XX/XXXX I sent ISPC a letter disputing the validity of the debt since I was never told I was opening a high interest, low balance, incurs monthly fees, credit card. I sent ISPC a letter of refusal to pay, requested that they stop contacting me completely by phone or text, and disputed the validity of the debt. On or about XX/XX/XXXX - ispc sent a response that included an agreement that they would not communicate with me via phone or text. They also sent copies of the alleged agreement with my alleged signature - however, every single spot is the exact same signature. The technician from XXXX used my first signature for the original contract to fraudulently apply me for this credit. After this letter from them arrived, they continued to call me and leave voicemails and refused to remove the info from my credit report. On XX/XX/XXXX I received another letter that is the opposite of their first response but still does not solve the fraudulent opening of this account problem. I have already reported the XXXX XXXX XXXX to the XXXX and the attorney general for fraudulent and deceptive practices and neglect of follow through for their unkept promises. I am still getting phone calls from ISPC. | null | Independent Savings Plan Co. | FL | 34219 | null | Consent provided | Web | 2023-04-12 | Closed with non-monetary relief | Yes | null | 6,827,980 |
2020-06-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There is a financial account on my credit I know is a mistake. It is from a company called XXXX XXXX. After doing a search for it on online, it appears to be an insurance company. I have never heard of them before. This account is not mine and I would like it removed from my credit report. | null | EQUIFAX, INC. | GA | 30312 | Servicemember | Consent provided | Web | 2020-06-14 | Closed with explanation | Yes | null | 3,698,716 |
2021-07-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On or around XX/XX/XXXX I noticed Wells Fargo was on my credit report I know thats account was cleared however XXXX and XXXX has it as a derogatory account. It took me three days to dig up this exhibit # 1 to prove wells fargonis full of XXXX and have committed fraud by falsely reporting inaccurate information. Attached you will see a refund the account was closed XX/XX/XXXX and yet its till being reporting why? Because Wells Fargo is a fraud and they do crooked XXXX to original creditors/consumers.
The law states that and communication means conveying information regarding debt directly or indirectly to any person through any medium wells fargo is in violation of 15 usc 1692a also in violation of 15 usc 1692 c because I sent a cease and desist. Im addition I was violated because they submitted inaccurate information misleading information under the law 15 usc 1692e and 15 usc 1692f unfair practices you ruined my reputation by reporting inaccurate information for 2 years Whats XXXX me off is that Wells Fargo would have gotten away with fraud if I didnt find this document so Im demanding this be removed immediately XXXX and XXXX did no investigation when I spoke to a representative they told me it was correct no results from the dispute I submitted its a joke they have also violated my consumer rights they did not address my concerns I had to dig deep for three days to find proof and submit exhibits they do a half XXXX XXXX no investigation and if they did and investigation show me proofed XXXX you found follow the law laws listed above this needs to be removed immediately | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | 19406 | null | Consent provided | Web | 2021-07-07 | Closed with non-monetary relief | Yes | null | 4,524,217 |
2018-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | They tried to open a credit card with my information not authorized.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | PR | 00754 | null | Consent provided | Web | 2018-05-02 | Closed with explanation | Yes | null | 2,889,155 |
2019-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XX/XX/19 : Paid XXXX XXXX what should have been my final bill but still received a subsequent bill.
XX/XX/19 : Switched from XXXX XXXX to new service.
XX/XX/19 : Returned all XXXX equipment to them.
XX/XX/19 : Received final XXXX Bill. Called immediately to dispute charges but was unable to get immediate assistance.
XX/XX/19: Took the day off from work and was finally able to reach a representative who explained the bill. Still didn't agree with the explanation but we could not come to an amicable agreement. I explained that my contract buyout was in process and that I would pay the bill by XX/XX/2019.
XX/XX/19 : Received email notice from MRS BPO , LLC, XXXX had assigned them the account. MRS BPO provided 2 payment options. I opted to make 2 payments of {$220.00} due XX/XX/19 and XX/XX/19. I made my first payment XX/XX/19.
XX/XX/19 : Called MRS BPO to clarify payment agreement because I received a notice which stated the option I chose would not pay the bill in full. Representative said the option had expired on XX/XX/19 but there is nothing in their records that shows this and the rep agreed to accept the final payment. She assured me that my bill would be paid in full and accepted my credit card payment by phone. 15 minutes later I receive notification that she placed the account on my Credit Record. It dropped my credit score by 54 points. I am in the process of buying my retirement home and this can either impact my interest rate or lead to me being denied for a mortgage all together. | Company believes it acted appropriately as authorized by contract or law | MRS BPO, LLC | NY | 11420 | null | Consent provided | Web | 2019-08-26 | Closed with explanation | Yes | null | 3,353,346 |
2018-05-09 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I received a first notice of debt from XXXX or XXXX XXXX XXXX on XX/XX/XXXX. I sent a validation of debt letter via certified mail pertaining to US U.S.C. 1692g, Sec. 809 ( b ) of the FDCPA. on XX/XX/XXXX and an employee named XXXX XXXX signed for it on XX/XX/XXXX. I never received a response from XXXX. On XX/XX/XXXX, a letter from XXXX that was addressed to me was sent to my ex in-law 's address. I ignored the letter as it was not sent to my address and I already asked the debt be validated XX/XX/XXXX. To this day, I receive phone calls several times a week from this company. Below is a copy of the letter I sent to XXXX on XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX RE : Account # XXXX. Dear Sirs : ( 1 ) I owe no debt to XXXX XXXX XXXX and dispute the validity of this claim alleged against me. I demand verification of this debt. Mail it to the address above. I will seek the appropriate regulatory and judicial remedies if any adverse information is recorded against me for this debt I do not owe. ( 2 ) If this is related to XXXX XXXX in XXXX XXXX, there was a mutual release of claims in a court settlement. Because I am represented by counsel, all further communications regarding XXXX XXXX must go through my attorney : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, Michigan XXXX ( 3 ) I am not responsible for the debts of XXXX XXXX. He does not reside at the above address. Do not contact me about matters related to him. Sincerely, XXXX XXXX | null | PCR Group | MI | 49504 | null | Consent provided | Web | 2018-05-09 | Closed with explanation | Yes | null | 2,901,502 |
2022-07-09 | Debt collection | Credit card debt | Communication tactics | You told them to stop contacting you, but they keep trying | 15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.
Thank XXXX Capital One for stating in the response you sent through the CFPB on XX/XX/2022 that you cease and desist communication with me the consumer thank you again for providing me with evidence Capital One you still in violation of federal law pursuant to15 USC 1692a ( 2 ) Congress stated using any medium the XXXX major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the XXXX major credit bureaus remove this account from all three major credit bureaus immediately if not I will send my evidence and a XXXX of Truth to you and to the local Authority General and to the Consumer Financial Protection Bureau and to the FTC will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it.
15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. | null | CAPITAL ONE FINANCIAL CORPORATION | MI | 48228 | null | Consent provided | Web | 2022-07-09 | Closed with explanation | Yes | null | 5,753,961 |
2018-07-25 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 30 DAYS LATE XX/XX/XXXX- 30 DAYS LATE XX/XX/XXXX- 60 DAYS LATE XX/XX/XXXX- 90 DAYS LATE XX/XX/XXXX- 120 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MA | 02301 | null | Consent provided | Web | 2018-07-25 | Closed with explanation | Yes | null | 2,971,795 |
2023-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
3. there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Delete this account.
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
5. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. | null | EQUIFAX, INC. | AZ | 85033 | null | Consent provided | Web | 2023-05-08 | Closed with explanation | Yes | null | 6,949,719 |
2019-08-01 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | I have sent several disputes to SCA collections regarding an inaccurate collection listed on my XXXX report in the amount of XXXX. I have also sent disputes to XXXX regarding this inaccurate information listed on my credit file and neither company has been able to produce any proof that this debt actually belongs to me! SCA collections continually ignores any debt validation letters I send and continues to list this unverified inaccurate information on my credit file. I will attach my most recent correspondence as well as the certified letter I sent to SCA collections giving them one final chance to verify and send me the proper information as requested in my letter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SCA Collections, Inc. | SC | 29485 | null | Consent provided | Web | 2019-08-01 | Closed with explanation | Yes | null | 3,325,492 |
2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | EXETER FINANCE CORP has inquire about a vehicle on my report that i did not ask for nor was i looking to purchase a vehicle. i'm asking that this be removed and i'm attached a police report stating that time of this inquires i wasn't able to talk nor write nor drive so its FRAUDULENT and i would like it REMOVED IN 5 days or a Lawsuit will be filed against this company for stealing my information without my consent. Police report attached | null | Exeter Finance Corp. | GA | 300XX | null | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | null | 6,280,554 |
2017-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My information was leaked in the Equifax hack. There has been no effect on my credit yet, but the very fact that the information is out there is frightening. | null | EQUIFAX, INC. | CO | 809XX | null | Consent provided | Web | 2017-09-08 | Closed with explanation | Yes | null | 2,668,519 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I recently checked my credit report and I noticed numerous inaccurate accounts, inquiries and information on my credit report I've reached out to the credit reporting agencies to correct the issues but they did not please see the attachments included in the following complaints | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 317XX | null | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,077,319 |
2021-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$610.00}. I have tried many times to get this verified with no such luck. Please review for deletion. | null | EQUIFAX, INC. | NC | 27107 | null | Consent provided | Web | 2021-05-20 | Closed with explanation | Yes | null | 4,392,346 |
2022-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | MI | 49006 | null | Consent provided | Web | 2022-10-06 | Closed with explanation | Yes | null | 6,059,895 |
2023-02-24 | Debt collection | Federal student loan debt | False statements or representation | Impersonated attorney, law enforcement, or government official | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX : We regret to inform you that your employment with The XXXX of XXXX XXXX, XXXX, Texas XXXX Title Coordinator is being terminated, effective XX/XX/XXXX. You are being terminated for the following reasons : Layoff Force Reduction Poor Performance You Freely Entered Into A Signed Written Contract Between You And The Title Company Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Title Company. This Agreement Stipulated That You Not Compete For A Period Of XXXX Years Independently Or Through A Competitor Of Explore Talent Within The XXXX States Of America.
More Specifically, Your Non-Compete Agreement States That You Will Refrain From Any Direct Or Indirect Contact With Current Employees, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With Public Works That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For The Title Company.
It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant ( XXXX ) And Have Been Soliciting Business From Consumers And/or Business Associates Of The Title Company . As You Are Aware, Soliciting Consumers Or Associates Of The Coordinator Is A Breach Of Contract And A Direct Violation Of The Non-Complete Agreement Signed On XX/XX/XXXX, And Thus You Are Interfering With The Agreements Established Between The Title Company And Its Customers/business Associates.
In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By XXXX You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Current Resident ( XXXX ), Vendors, Customers Or Any Other Individual Entity Maintaining A Contractual Relationship With XXXX XXXX. Failure To Comply Will Result In The Obtainment Of A Temporary Restraining Order In District Court Against Both You And Your Current Respondent And The Filing Of A Motion For Breach Of Contract Seeking Monetary Damages, Courts Costs And Attorney Fees.
It Is Not My Wish To Seek Legal Recourse ; However, I Will Vehemently Do All That Is Necessary To Protect The Title Company Interests.
Please Note This Letter Will Be The Only Warning Provided. THEREFORE, You Are Hereby Requested To Immediately Cease And Desist Any Further Breach Of Oath And Within XXXX Business Days, Or No Later Than XX/XX/XXXX, And To Return The Signed Written Assurance Below Affirming That You Will Refrain From Any Further Acts Of Breach Of Oath With Regards To Your Signed Non-Compete Agreement.
You were issued written warnings, including but not limited to warnings for the termination reasons listed above, on the following dates : XX/XX/XXXX, and. We have on file, copies of these warnings, signed by you and which have been placed in your personnel file. Each warning issued indicated the existing problem at the time which was discussed with you and your manager, the steps which needed to be taken to improve your performance, and then signed off by you at the end of each warning discussion. As stated in your final written warning notice, you were required to take the necessary steps to correct the issues by XX/XX/XXXX. Your failure to correct the issues has resulted in your termination.
You have the right to appeal this termination by returning a written notification of your intention to appeal this matter to XXXX XXXX XXXX XXXX XXXX in the XXXX XXXX Department no later than XX/XX/XXXX.
Failure to submit a written appeal notification by the deadline provided shall constitute a waiver of the right to appeal.
For additional information regarding termination of your employment, please refer to the following included enclosures : Class Action Settlement Sincerely, Title Coordinator cc : Securities And Exchange Commission | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | TX | 770XX | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,606,062 |
2023-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92571 | null | Consent provided | Web | 2023-06-09 | Closed with non-monetary relief | Yes | null | 7,093,132 |
2021-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : Us SM BUS ADMIN ODA ( XX/XX/XXXX ).
XXXX XXXX XX/XX/XXXX XXXX.
XXXX XXXX XXXX XX/XX/XXXX XXXX.
XXXX XXXX XXXX XX/XX/XXXX XXXX.
I did not authorize anyone employed by these companies to inquire and view my credit report.This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights.Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation.In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 01841 | null | Consent provided | Web | 2021-07-18 | Closed with non-monetary relief | Yes | null | 4,552,885 |
2023-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I feel that these accounts are negatively affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the federal trade commission and XXXX XXXX XXXX because to my knowledge I do not recall any of these accounts being taken place. I need this problem fixed promptly because I will not wait another 50 days to receive no response due to the fact that I am clearly being ignored. I demand these accounts be deleted expeditiously or I will file for litigation due to the stress you have caused me. In Section 611 ( a ), it is 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 60 days so they should be deleted immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33169 | null | Consent provided | Web | 2023-01-26 | Closed with non-monetary relief | Yes | null | 6,486,216 |
2021-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have disputed several inaccurate accounts from my report to the credit bureaus but they aren't neither answering nor taking action, after 30 days of waiting for nothing, i disputed again my accounts. | null | EQUIFAX, INC. | FL | 34668 | null | Consent provided | Web | 2021-02-27 | Closed with explanation | Yes | null | 4,171,067 |
2023-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | AZ | 85213 | null | Consent provided | Web | 2023-03-07 | Closed with explanation | Yes | null | 6,660,272 |
2022-02-08 | 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 | I sent letters to Equifax, XXXX XXXX XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. | null | EQUIFAX, INC. | NC | 27332 | null | Consent provided | Web | 2022-02-08 | Closed with explanation | Yes | null | 5,198,261 |
2022-03-13 | 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 | On XXXX, I XXXX XXXX XXXX the consumer, notified TRANSUNION, XXXX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by TRANSUNION, XXXX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23324 | null | Consent provided | Web | 2022-03-13 | Closed with non-monetary relief | Yes | null | 5,314,395 |
2023-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I never had an account with capital one. They keep allowing someone to put credit cards in my name. This is not the first time i had to deal it this with them. Please provide me with proof that this account is mine. They mentioned before they didnt have proof. The account is not mines! | null | CAPITAL ONE FINANCIAL CORPORATION | PA | 19104 | null | Consent provided | Web | 2023-04-26 | Closed with explanation | Yes | null | 6,893,601 |
2021-07-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I can not believe that Equifax decreased my credit score wrongfully AGAIN despite the fact that I had disputed ( Confirmation number : XXXX, Dispute date : XX/XX/2021 ) months ago for the very exact reason ( Decreasing of my credit score significantly upon a wrongfully late payment remark in our XXXX XXXX ( Auto ) account ). Equifax corrected my credit score after I had provided a letter from XXXX XXXX ( Auto ) showing that I had no delinquency and paid each of my payments on time and in full. Again, this was months ago.
Today, I found out that Equifax decreased my credit score AGAIN for the very same reason.
I am attaching a letter -AGAIN- from the aforementioned company in order to be added to my dispute file.
Please correct this item in my credit report and correct and restore my credit score.
Thank you for your time.
Sincerely, XXXX XXXX. | null | EQUIFAX, INC. | CA | 92602 | null | Consent provided | Web | 2021-07-23 | Closed with explanation | Yes | null | 4,569,202 |
2019-06-20 | Student loan | Private student loan | Dealing with your lender or servicer | Problem with customer service | Dealing with XXXXAES, I can not access links or pages to apply for Income Based Repayment. There process has been to stonewall all of my attempts since XXXX 2018. This has caused my loans to go into default and my credit score has take a severe dive. | null | AES/PHEAA | TX | 77080 | null | Consent provided | Web | 2019-06-20 | Closed with explanation | Yes | null | 3,281,252 |
2017-12-05 | Checking or savings account | Checking account | Closing an account | Company closed your account | On XXXX XXXX, 2017 XXXX XXXX closed my account due to their terms anhd conditions. They did not give me enough time to get my direct deposit switched. I called them about 20 times. | null | BBVA FINANCIAL CORPORATION | IN | 46530 | null | Consent provided | Web | 2017-12-05 | Closed with explanation | Yes | null | 2,746,696 |
2019-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Experian is reporting fraudulent information regarding a dismissed chapter XXXX bankruptcy. The information has been disputed multiple times over the course of several years in attempts to have the information removed. Experian states the information is verified by XXXX. XXXX states otherwise, they do not have any information regarding a chapter XXXX bankruptcy being reported by them in the VERIFIED department of their data base. XXXX did state they do have information in their UNVERIFIED department which from their statement, " Under the FCRA, can not be used for credit decisions, personal information, job placements etc. '' If Experian is using unverified public records from XXXX they are violating this act and my right as a consumer. Attached is XXXX report stating they do not contain the information Experian is stating they provided. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30252 | null | Consent provided | Web | 2019-09-10 | Closed with explanation | Yes | null | 3,369,558 |
2021-11-06 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | XXXX XXXX I run a small XXXX XXXX and unfortunately Covid hit my XXXX hard and 90 % of my clients went on hold ( clients choice ) due to the virus and fear! Do to this I was on XXXX and I had to apply for the PPP loans. I never expected when I started my XXXX for any of this to happen and prior to covid my account was in good standing! I have been charged thousands of dollars in fees! THOUSANDS! Yes they waved some ( {$2200.00} last I counted ) in fees since covid hit hard, but then again Ive paid over {$12000.00} in fees to This date XX/XX/2021. Ive explained my experience and Ive asked for help and I keep getting told they can no longer help me. I am aware I got a lot of help during the pandemic because times were hard, but Im also aware that $ XXXX in fees is absolutely ridiculous! I keep trying to get into the positive and keep it there and they keep applying fees. Each fee puts me further and further behind!! Im a single mom, a small Buisness owner and this past almost 2 years has been hard and I need some Help here! Ive given them over $ XXXX in hard earned money just because I went negative or I had NSF a few times. Im doing my best to catch up, and I cant catch up if they keep adding fees and continuing to put me further behind. | null | CITIZENS FINANCIAL GROUP, INC. | NY | 12866 | null | Consent provided | Web | 2021-11-06 | Closed with monetary relief | Yes | null | 4,880,202 |
2023-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30058 | null | Consent provided | Web | 2023-06-19 | Closed with non-monetary relief | Yes | null | 7,133,371 |
2022-07-19 | 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 reports on my credit file And account is not mine | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 433XX | null | Consent provided | Web | 2022-07-19 | Closed with non-monetary relief | Yes | null | 5,785,639 |
2022-10-02 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | hello, my name is XXXX XXXX XXXX. i am a XXXX XXXX with XXXX XXXX XXXX
my XXXX is presently XXXX XXXX XXXXXXXX. at the branch on XXXX XXXX in XXXX tennessee. i work 6 days a week. yesterday, XXXX XX/XX/XXXX i was blindsided at my post by a gentleman serving me a summons.
it is for a court hearing on TUESDAY XXXX XX/XX/XXXX, XXXX. could you believe this, less than 30 days. FOR A COURT CASE. no room to breathe or prepare here..
details are as follows : : : : GENERAL SESSIONS COURT XXXX XXXX TENNESSEE DOCKET # XXXX CIVIL WARRANT PLAINTIFF XXXX XXXX XXXX ACCT # XXXX BAL {$2100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( ES ) XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX TN XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX it is for an account with cashnetusa acct was charged off on XXXX XX/XX/XXXX.
i am unfamiliar with said acct.
after work, i went home to research my credit reports to look for this debt.
after thorough searching i found the following results...
XXXX NOT FOUND XXXX NOT FOUND XXXX NOT FOUND XXXX nothing there | null | ENOVA INTERNATIONAL, INC. | TN | 38018 | Servicemember | Consent provided | Web | 2022-10-02 | Closed with explanation | Yes | null | 6,041,325 |
2022-07-16 | 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 account below has violated my federally protected consumer rights under 15 U.S. Code 1681.
XXXX XXXX XXXX XXXX - Account number XXXX, has violated my rights.
The collection from XXXX XXXX XXXX XXXX - Account number XXXX is reporting on my credit profile in error. I do not own this account nor have i ever done business with this company. I do not have a bill with XXXX XXXX hospital. This company was verified on my report which would be a violation of my consumer rights and a hippa violation.
15 U.S. Code 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30132 | null | Consent provided | Web | 2022-07-16 | Closed with non-monetary relief | Yes | null | 5,777,655 |
2021-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was a victim of fraud and made a police report and I have disputed more than 15 accounts that do not belong to the 3 credit bureaus but I experience it is the only company that has not eliminated these accounts, I have been sending you a police report for more than 6 months personal information and they say they can do nothing if the creditor does nothing and that the creditors confirm that it is me. I have called the creditors but they say that they do not receive anything from Experian to dispute the account and that they do not have to certify to Experian that I am the owner of the account because they do not have a photo of my ID or any contract. This is hurting me and experian is not complying with the processes established by law. All the representatives give me different information and no one wants to help me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 338XX | null | Consent provided | Web | 2021-02-09 | Closed with explanation | Yes | null | 4,127,719 |
2020-06-16 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | I received no notification regarding a collection account now appearing on my credit report. The company never contacted me regarding the account therefore I was never able to dispute the validation of the debt.
Reporting XX/XX/2020 with remarks affected by natural disaster. | Company believes it acted appropriately as authorized by contract or law | The CMI Group, Inc. | NC | 28269 | null | Consent provided | Web | 2020-06-23 | Closed with non-monetary relief | Yes | null | 3,701,702 |
2023-02-19 | 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 | 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 | Experian Information Solutions Inc. | FL | 34746 | null | Consent provided | Web | 2023-02-19 | Closed with explanation | Yes | null | 6,591,787 |
2017-02-13 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Trouble with how payments are handled | In XX/XX/1997, I graduated with my student loan debt being XXXX. I recall correctly, I consolidated from both my community college and XXXX year college to accumulate that amount. At the time, the interest rates were near XXXX %. I was never able to re-consolidate again to lower the rate, I was told. I paid it faithfully. Then, I married and started a family, in which I ended up staying home to raise. I chose that because I was a XXXX school teacher and did not get paid enough to afford day care. My husband was in a union apprenticeship that happen to come with some really bad times. In turn, I had to defer my loan numerous years because we could not afford to pay it. We, at times, were on state assistance too. Because of the deferment, now the loan has gotten so high that I can not afford to even pay the interest. I do not know how to handle this. I am back to work, but only make XXXX a year as a XXXX school teacher, and my loan has accurred so much interest that I can not even afford to pay it. It 's very upsetting to me that when you file an financial hardship, the interest still accures, how does that help. I have accured more interest than the amount of the loan. Something has to be done with student loans in this country. It 's not like I just ignored the payments. I contact Great Lakes, for help and they just consistently told me to defer it because of my financial situation. Now, look where it 's gotten me! I am so irritated. XXXX years later, no help from Great Lakes when I needed it and now a loan almost 3 times the amount I borrowed. I have no idea how to handle this. | Company believes it acted appropriately as authorized by contract or law | GREAT LAKES | PA | 19061 | null | Consent provided | Web | 2017-02-13 | Closed with explanation | Yes | No | 2,342,178 |
2022-08-30 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | this card is not mine i did not sign for it my id was stolen | null | Colony Brands, Inc. | PA | 19139 | null | Consent provided | Web | 2022-08-30 | Closed with explanation | Yes | null | 5,930,090 |
2019-06-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 902XX | null | Consent provided | Web | 2019-06-05 | Closed with non-monetary relief | Yes | null | 3,264,635 |
2020-10-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I've contacted this company numerous of times over the past 5 months. I've stated to them as well as proven to them that they are reporting inaccuracies on my credit report. This is affecting my credit very poorly and stopping me from obtaining residence for my family. I gave this company more than enough time to correct this. Way past the legal time companies have to respond. And they just continue to violate my rights per FCRA. | null | EQUIFAX, INC. | CT | XXXXX | null | Consent provided | Web | 2020-10-28 | Closed with explanation | Yes | null | 3,924,058 |
2019-07-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was victim of Identity Theft, somebody stole my personal information to open credit cards and loans, i never applied for it, i don't recognize this accounts. 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | null | EQUIFAX, INC. | FL | 33161 | null | Consent provided | Web | 2019-07-09 | Closed with non-monetary relief | Yes | null | 3,300,362 |
2023-07-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to U.S.C. 1681e ( b ) Compliance Procedures, my consumer report must be created with the utmost accuracy.
Section 602 A of U.S.C. 1681. States I am entitled to privacy.
In accordance with U.S.C. 1681 Section 604 A Section 2, a consumer reporting agency is not permitted to provide information about me without my prior written consent.
No consumer reporting agency may make any consumer reports, any other negative items of information, or any other ran records of convictions of crimes that predate the report by more than 7 years, according to U.S.C. 1681c. ( a ) ( 5 ) Section.
U.S.C. 1681s-2 ( A ) ( 1 ) If someone knows or has good reason to suspect that information on a consumer is false, they are not allowed to give that information to any consumer reporting agency. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76063 | null | Consent provided | Web | 2023-07-01 | Closed with non-monetary relief | Yes | null | 7,186,795 |
2022-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter.
XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$870.00} XXXXXXXX XXXX**Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX**Balance : {$0.00} XXXX Balance : {$0.00} XXXXXXXX XXXX**Balance : {$0.00} XXXX***Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 151XX | null | Consent provided | Web | 2022-08-30 | Closed with non-monetary relief | Yes | null | 5,930,474 |
2017-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Didn't receive services that were advertised | On or about XXXX after hearing of Equifax 's breach I visited their site and entered information ( name, last six of my social, etc. ). After receiving a prompt that my my credit information may have been affected I started the process of enrolling in the one year " free '' monitoring service. After receiving a email a week or two later I thought I created a account yet received error messages. I contacted both equifax and trustedID for assistance. On XXXX I received a email stating I have a account but needed to re-set my password. I did and received a error message that set up failed. All information, employment, credit, etc was blank. No link regarding credit monitoring was found. I called Customer Care Team at : XXXX who advised me to call XXXXXXXXtrustedid who advised me to call XXXX. I feel equifax is making the process of monitoring ( due to breach XXXX impossible. | null | EQUIFAX, INC. | NY | 132XX | null | Consent provided | Web | 2017-10-04 | Closed with explanation | Yes | null | 2,692,788 |
2019-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have submitted multiple requests to remove inaccurate account information, unauthorized inquires and incomplete personal data from my credit reports to All 3 bureaus. They have not removed them and have not responded within the 30day time frame of the law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11435 | null | Consent provided | Web | 2019-03-22 | Closed with explanation | Yes | null | 3,188,084 |
2023-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am desperately trying again to correct certain inaccurate late payments showing on my credit report during XXXX.
Historical late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94115 | Older American | Consent provided | Web | 2023-04-24 | Closed with non-monetary relief | Yes | null | 6,883,128 |
2023-05-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I am writing to file a complaint regarding a debt on my credit report that has not been properly addressed by the credit bureau.
Despite my requests for deletion and validation, the credit bureau has failed to respond within the required timeframe.
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX.
Here is my tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's been more than 30 days and the credit bureaus failed to send my investigation back.
However, the credit bureau failed to respond within the required timeframe of 30 days. Despite multiple attempts to follow up with the bureau, I have not received any response to my request.
I believe that the credit bureau has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate and respond to my dispute. I request that the debt be removed from my credit report immediately.
According to the law 15 U.S. Code 1681 ; - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75219 | null | Consent provided | Web | 2023-05-10 | Closed with explanation | Yes | null | 6,960,869 |
2023-06-07 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | Never received a debt validation letter from this company via mail or electronically. | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | PA | 19131 | null | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,077,229 |
2020-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30034 | null | Consent provided | Web | 2020-06-10 | Closed with explanation | Yes | null | 3,691,893 |
2020-05-29 | Checking or savings account | Checking account | Closing an account | Can't close your account | My mother owned an account at PNC Ban, it was owned by her Revocable trust, I am the successor trustee for that trust. My mother passed XXXX XX/XX/XXXX. After her funeral in Florida, I stopped by the branch she used, and spoke to the branch manager, and gave her a copy of the trust document. She said I would need to fax down a copy of the death certificate, which i did when I received them from the state of RI at the end of XX/XX/XXXX.
I called the branch subsequently to see what the next step was, this would have been XXXX XX/XX/XXXX ( my mother ' birthday ), whomever answered the phone told me that the person I was looking for did not work there, they put me on hold and then said they had no information about my request.
I called the 800 number for PNC Bank the following week. The CSR put me on hold, came back and told me I needed to send in the death certificate, probate information and will for my mother to a PNC PO Box in XXXX. I told him it was a trust and not a personal ownership, he said it did not matter. I sent the death certificate and trust to that address, and did not hear anything back. A call on XXXX XXXX to the same 800 number they were unable to tell me anything. In early XXXX I called the PNC XXXX XXXX XXXX, mostly to see whether they knew how to resolve the issue. The very helpful woman called the Florida branch, they were going to call me back.
The local branch asisstant manager, XXXX XXXX, called me and told me that the reason my issue was being held up was that the trust document that I had delivered was dated XXXX, and their records show that it was amended XXXX of XXXX. I asked by whom, she said " your father ''. My father passed in XXXX. I asked if they could show me that document, she told me they did not have a copy of the XXXX trust and that I needed to produce it. When I said I had no information of any amendment to the trust, especially in XXXX, she told me to go to the lawyer who wrote the XXXX changes. I reiterated that I did not have any information of any XXXX change. She suggested that I find an attorney to write a letter stating that no such change existed.
I contacted an attorney who told me " no attorney in his right mind is going to attest, under the pains and penalties of pergury, that a document that was allegedly executed by a person who was never his client, does not exist. I advise you against signing such an affadavit, as well. It is up to the bank to either produce the trust amendment referenced in their records, or give you the money. If they refuse to do either, you should file a complaint with the CFPB ''.
I stated such to XXXX in the middle of XXXX, and as soon as she heard " lawyer '' she told me she could not speak to me further.
Two weeks later I received a call from XXXX XXXX from PNC XXXX XXXX @ XXXX. A week later we were finally able to speak and she told me she was waiting for the XXXX trust document from Florida. I told her that PNC Florida was asking me for it and I have no knowledge of it. She told me she would talk to her legal department.
Today she called me back and said that I needed to get an affidavit drafted stating that the XXXX trust, that they do not have a copy of, does not exist. I again explained that it makes no sense that they have records of a change but not the document itself, and she told me that she could not give me any more information because I am not listed on the account itself, but I needed to attest that the XXXX change did not exist.
The value of the account is less than XXXX, and I have used the trust documents in my posession for managing accounts from XXXX and XXXX with no issue. I do not know where else to turn, this sounds like outright theft to me | null | PNC Bank N.A. | RI | 028XX | null | Consent provided | Web | 2020-05-29 | Closed with explanation | Yes | null | 3,674,556 |
2022-11-10 | Debt collection | Credit card debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | I was notified multiple times about the debt, I just got in good with my job to where I can make said payments and the account was closed, this was my first credit lines opened and I am just trying to pay off the whole thing within the next two months | null | CAPITAL ONE FINANCIAL CORPORATION | AZ | 85044 | null | Consent provided | Web | 2022-11-10 | Closed with explanation | Yes | null | 6,188,725 |
2019-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XX/XX/XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IA | 522XX | null | Consent provided | Web | 2019-12-02 | Closed with explanation | Yes | null | 3,455,822 |
2023-05-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33409 | null | Consent provided | Web | 2023-05-17 | Closed with non-monetary relief | Yes | null | 6,984,149 |
2021-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a dispute letter to Experian on XX/XX/15 regarding charges for XXXX XXXX. I was NEVER seen on the dates listed and disputed the charges. The collection company has failed to send documentation signed my ME showing this was me because AGAIN I WAS NEVER there. During the dispute Experian confirms this was verified and this continue to remain on my credit report. This is not correct and need to be removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75104 | null | Consent provided | Web | 2021-04-16 | Closed with explanation | Yes | null | 4,303,069 |
2023-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter. | null | EQUIFAX, INC. | FL | 33165 | null | Consent provided | Web | 2023-07-12 | Closed with non-monetary relief | Yes | null | 7,238,944 |
2019-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77089 | null | Consent provided | Web | 2019-10-11 | Closed with explanation | Yes | null | 3,402,657 |
2018-10-14 | 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 recently obtained a copy of my credit report from XXXX report. It indicated that ( 3 ) credit inquiries were made by your company. However, only one was authorized by me the ( 2 ) other inquiries were not authorized by me. Therefore, I am writing to dispute these inquiries, and have them removed from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | CA | 95823 | null | Consent provided | Web | 2018-10-14 | Closed with explanation | Yes | null | 3,045,548 |
2022-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have reached out to XXXX, Transunion and XXXX to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60621 | null | Consent provided | Web | 2022-09-09 | Closed with non-monetary relief | Yes | null | 5,966,594 |
2017-12-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX- no knowledge of account in violation of HIPPA and CRA | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77063 | null | Consent provided | Web | 2017-12-18 | Closed with explanation | Yes | null | 2,757,940 |
2021-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I XXXX XXXX, rights of privacy have been violated and breached by this bureau which could be a direct violation of federal law. This bureau is reporting incorrect data on their site and according to the government law, it is the bureau 's GRAVE Obligation to guarantee reasonableness, unbiasedness, and a regard for the consumer 's right to privacy. This bureau is additionally in infringement of federal law by putting inaccurate accounts on their site without my authorization. | null | EQUIFAX, INC. | TN | 383XX | null | Consent provided | Web | 2021-07-20 | Closed with explanation | Yes | null | 4,557,293 |
2021-11-19 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients. | null | PNC Bank N.A. | null | XXXXX | Older American | Consent provided | Web | 2021-11-19 | Closed with explanation | Yes | null | 4,929,104 |
2021-08-11 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | The collection company have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised them that under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified. | null | PORTFOLIO RECOVERY ASSOCIATES INC | MI | 48340 | null | Consent provided | Web | 2021-08-11 | Closed with explanation | Yes | null | 4,624,293 |
2022-08-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have 4 different accounts reporting to my credit reports. XXXX XXXX for {$12000.00}, and XXXX XXXX for {$16000.00}. XXXX XXXX for {$57000.00}. And XXXX XXXX acceptance for {$12000.00}. These are not my accounts. They were opened Fraudulently. | null | EQUIFAX, INC. | SC | 29605 | null | Consent provided | Web | 2022-08-29 | Closed with explanation | Yes | null | 5,925,889 |
2019-09-13 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | Agreement was reached to settle two separate debt accounts with XXXX XXXX. I purchased two separate certified checks through my bank on XX/XX/19 payable to XXXX, each printed with the corresponding account number. One was for {$260.00} and one was for {$310.00}. I sent the checks together in the same envelope via certified mail with signature confirmation on XX/XX/19 to XXXX XXXX. I received confirmation that XXXX XXXX received the check for {$310.00} and my debt for that account has been settled on XX/XX/19. I called to verify that they received the {$260.00} check and they stated they did not. I explained how I mailed them together and they denied that they lost the check but they would look into it. I called twice more since then and they deny ever receiving the check. I have verification that the money has been withdrawn from my bank account, copies of the check sent, and copy of the fact that it was sent via certified mail. I called for the last time on XX/XX/19 and they again denied they ever received the check and they could not help me. | null | Resurgent Capital Services L.P. | OH | 45224 | null | Consent provided | Web | 2019-09-13 | Closed with explanation | Yes | null | 3,373,131 |
2021-10-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. | null | EQUIFAX, INC. | PA | 19111 | null | Consent provided | Web | 2021-10-15 | Closed with explanation | Yes | null | 4,812,760 |
2022-08-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this complaint AGAIN to delete the following fraudulent accounts in my file that are reporting on Experian Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 958XX | null | Consent provided | Web | 2022-08-26 | Closed with non-monetary relief | Yes | null | 5,915,985 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.
See the documents attached. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76013 | null | Consent provided | Web | 2023-04-19 | Closed with non-monetary relief | Yes | null | 6,859,878 |
2023-01-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | INQUIRIES reporting to my file is a result of identity theft. I recently discovered through my new monitoring service these inquiries being reported I made efforts to remove these account from my file as they do not belong to me. These inquiries are fraud through these companies with the recorded dates above an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NV | 89084 | null | Consent provided | Web | 2023-01-17 | Closed with explanation | Yes | null | 6,443,510 |
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 | All XXXX credit bureaus made a report with out my consent and inaccurate information is also on my report | null | EQUIFAX, INC. | DE | 198XX | null | Consent provided | Web | 2023-01-10 | Closed with explanation | Yes | null | 6,424,444 |
2021-03-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for XXXX XXXX that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted XXXX XXXX in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between XXXX XXXX transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( Experian, XXXX, and XXXX ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77545 | null | Consent provided | Web | 2021-03-01 | Closed with explanation | Yes | null | 4,172,606 |
2017-05-15 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | To whom it may concern ; I am writing in regard to the referenced accounts and transactions. This vehicle was repossessed by NFCU in the State of F lorida on or about, XXXX , and resold on or about XX/XX/2014 . Under the laws of the State of ( State of Repo ) UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal s tatutes and UCC 9 remedies. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | FL | XXXXX | Servicemember | Consent provided | Web | 2017-05-15 | Closed with explanation | Yes | null | 2,484,586 |
2019-01-14 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | I have been receiving bank statements from the Wells Fargo company and I have never authorized to open an account in my absence. Please delete my personal information with Wells Fargo fraudulent open accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33125 | null | Consent provided | Web | 2019-01-14 | Closed with explanation | Yes | null | 3,124,217 |
2019-08-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In XX/XX/XXXX, I paid off in full an alleged debt. The originating lender was XXXX XXXX. Depending on which credit bureau you look at, XXXX XXXX reported the alleged debt as a charge off in XXXX, XXXX, and XXXX, depending on the bureau.
XXXX XXXX sold the alleged delinquent debt account to XXXX XXXX XXXX.
In XX/XX/XXXX, I paid XXXX XXXX XXXX for the full amount that I allegedly owed : {$16000.00}. Both XXXX XXXX and XXXX XXXX XXXX assured me that they would update my credit report with the 3 bureaus to indicate my account was no longer delinquent.
XXXX XXXX did not update the entry despite my providing written proof of payment and chain of custody. Furthermore, XXXX XXXX XXXX refuses to update XXXX XXXX with this information or forward them the letter proving that I paid off the account in full.
I hereby demand that the account entry either be deleted from my credit reports entirely, or at a minimum, that you accurately report that the account is no longer listed as currently delinquent. Additionally, I demand an accurate reporting of chain of custody of the account and accurate charge off dates. You cant charge off the same alleged debt 3 times. | null | EQUIFAX, INC. | IL | 60056 | null | Consent provided | Web | 2019-08-29 | Closed with explanation | Yes | null | 3,358,238 |
2020-09-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have made attempts to resolve this matter with Experian via letter and phone.
XX/XX/2020, I submitted a dispute letter regarding information that XXXX XXXX XXXX XXXX XXXX provided to Experian. In such correspondence, I stated that [ t ] his was a Business Credit Card for which I am not personally responsible. I specifically requested that I be provided with evidence of personal responsibility or remove this from my report. According to the certified mail records, Experian received my letter on XX/XX/2020. I have not received a reply to my dispute.
I contacted Experian via phone on XX/XX/2020 regarding the dispute, only to learn that they had no begin to work on the dispute. I was advised that my letter may still be in the mail department. I advised Experian that I sent a certified letter on XX/XX/2020 and that they received it on XX/XX/2020. In the telephone conversation I requested that this account be removed from my credit report immediately. The telephone representative advised me that he would initiate a dispute now, and it may take an additional 30 days to resolved.
I am applying for disaster relief funding ( which is time sensitive ), and would like to have this matter resolved promptly as it negatively impacts my credit score. My original dispute was filed 38 days ago ( on XX/XX/2020 ). Experian has had ample time to resolve to this dispute. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 17408 | null | Consent provided | Web | 2020-09-21 | Closed with explanation | Yes | null | 3,858,268 |
2019-04-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft and identity fraud. After viewing my credit report, I noticed accounts and credit inquiries that I did not apply for or authorize. I immediately contacted the companies in question and notified them of the incorrect reporting and advised them that it is obvious that I have been victimized and that someone has used my personal information to fraudulently open several accounts. Currently those accounts are a XXXX credit card opened XX/XX/XXXX and a XXXX XXXX credit card opened XX/XX/XXXX. There are also several inquiries on my credit report that I did not authorize. In addition to the ones for the XXXX and XXXX credit cards, there are the following : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX. | null | EQUIFAX, INC. | TX | 75061 | null | Consent provided | Web | 2019-04-30 | Closed with non-monetary relief | Yes | null | 3,228,055 |
2023-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Report provided to employer without your written authorization | In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX ( Original Creditor : XXXX XXXX ) XXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item 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. | MT | 591XX | null | Consent provided | Web | 2023-05-16 | Closed with non-monetary relief | Yes | null | 6,978,582 |
2023-01-23 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I received a letter in the US Mail on Saturday the XXXX stating I owed {$430.00} to PayPal. The reference number they gave me is XXXX and the account number is XXXX. I check my PayPal account and it show no outstanding balance. I contacted PayPal an confirm this. I believe XXXX XXXX XXXX XXXX is phishing to get me to pay when I dont owe any money. I contacted the collection agency and they said they are going to close this inquiry and sent it back to PayPal fraud department. This whole scenario sound like possible fraud. | null | Paypal Holdings, Inc | MD | 206XX | Older American, Servicemember | Consent provided | Web | 2023-01-23 | Closed with non-monetary relief | Yes | null | 6,476,871 |
2022-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Equifax complaint was received by XXXX XXXX from Equifax on XX/XX/XXXX. ( XXXX ) Equifax dated their response to my complaint as XX/XX/XXXX. ( XXXX ) The envelope that I received from them showed that it was mailed on XX/XX/XXXX. ( XXXX ) It appears as if Equifax engaged in mail fraud in order to make sure the negative items were not deleted within 30 days, as is required by the FCRA when there is no response within 30 days. When I originally sent out the complaint, I sent it out at the Post Office on XX/XX/XXXX ( XXXX ). | null | EQUIFAX, INC. | NH | 03820 | null | Consent provided | Web | 2022-06-04 | Closed with explanation | Yes | null | 5,631,322 |
2017-01-02 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | This debt was paid 15 days after the original date of service, we have disputed with the original dental office and with the collection agency, no 14 months after they reported to my credit bureau as a collection with a " dispute " listed so they knew there was a issue before they even tried to report to credit not only was this paid but it was paid twice and some refunded due to there collection activity The original date of service was XXXX original payment received and cleared from XXXX on XXXX overpayment notice received on XXXX from XXXX XXXX XXXX paid bill a third time Final collection notice from XXXX on XXXX ( after payment received ) spriniger collections letter XXXX and XXXX fax confirmation proofing payment and over payment confirmed by springer collections XXXX springer collections reported to my credit as a disputed collection even thought they have confirmed verbally multiple times payment was received by XXXX and confirmed that they had received the fax proof to them, they gave reassurances that they would take care of the issue with the dentist office and it would not affect credit then went and reported it | Company believes it acted appropriately as authorized by contract or law | Springer Collections Inc. | OR | 973XX | null | Consent provided | Web | 2017-01-02 | Closed with explanation | Yes | Yes | 2,271,422 |
2021-03-16 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION.
605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection XXXX b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid
tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which
may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general.
The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
CREDITOR CONTACT INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
TD BANK USA/TARGET CREDIT XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXXXXXX XXXX, OH XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly.
DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX XXXX XXXX XXXXXXXX XXXX maintain integrity for the American consumers.
The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially six criteria : 1 ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I may have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act 7-Year rule on the deletion of antiquated information.
2 ) That there may be items on my credit report that was acquired through a public record vendor, and that I may request a fully documented validation of any or all items posted from public record, and upon discovery may request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed.
3 ) I may dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I may have had an association with, or if the collection agency maintains that they have acquired the debt. I may request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt may have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I may in addition request such documentation through the Federal Deposit Insurance Corporation if that is indeed the governing body of the original credit grantor.
4 ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I may volunteer to add my payment histories of this nature at any time.
5 ) I may request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports.
6 ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency.
I may dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that may never be addressed without Congressional overhaul on current legislation. There is one major problem in the FICO scoring models implemented with each major credit reporting agency ( CRAS ). The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons credit score even though there was no validation on approval to pull credit or as the FCRA states a legitimate business need. Accordingly ; I may request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry.
DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY.
LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.
Thank you for your full consideration in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX | null | TD BANK US HOLDING COMPANY | MA | 01104 | null | Consent provided | Web | 2021-03-16 | Closed with explanation | Yes | null | 4,216,907 |
2018-03-11 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | This Complaint is intended as means to clarify my contention that the XXXX laptop computer I purchased from XXXX on XX/XX/XXXX is intended as more or less a disposable toy designed to generate as much revenue as possible for XXXX and its myriad partners, largely -- but not entirely ( the system battery is by no means intended to be accessible to users, as I have yet to even locate it ) -- owing to the absence of adequate cooling for the device 's Central Processing Unit. As seen in the attached photo, the customary cooling configuration for laptop computers involves the use of CPU paste ( not visible in the photo, but assumed to be present ) and an exhaust fan which sucks air through its top and blows it out the side air vents of the laptop, while also funneling air to the CPU via a flat copper rod. While the this configuration may well suffice for an XXXX CPU whose maximum speed is 2.4 GHz, it can not adequately cool an XXXX CPU whose nominal speed is 2.4 GHz -- designed to operate at speeds as high as 3.3 GHz -- as is the case with the XXXX XXXX mobile CPU that powers my device. This explains why my device is not reliable for anything more CPU-intensive than email, as the device will invariably crash when used for extensive multi-tasking of any kind or intensive video rendering.
Moreover, the device is recycled and fraudulently advertised as retail, as XXXX has persistently failed to provide me with an explanation for the six-month discrepancy between when my laptop computer was manufactured on XX/XX/XXXX and when it was allegedly received ( and subsequently registered with the manufacturer, XXXX ) on XX/XX/XXXX by the supposed distributor, XXXX XXXX ( XXXX ), given the precarious and short shelf-life of laptop batteries. As recently as XX/XX/XXXX, I presented Citi with an offer to be forwarded to XXXX that I would reduce the amount of the dispute in question from {$370.00} to {$50.00} if XXXX were willing to demonstrate that the relevant issue at work with the dispute in question is shoddy ( as opposed to fraudulent ) distribution by procuring from XXXX a replacement device that can be verified as having been manufactured within a month of being delivered to me. Thus far, Citi has failed to even acknowledge receipt of my offer, which I resubmitted today via fax. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | GA | XXXXX | null | Consent provided | Web | 2018-03-11 | Closed with explanation | Yes | null | 2,839,946 |
2019-08-04 | Vehicle loan or lease | Lease | Struggling to pay your loan | Loan balance remaining after the vehicle is repossessed and sold | I got divorced in XXXX, my wife then two months before went to the dealership and sign my name to a lease of a XXXX XXXX XXXX. The payment was XXXX XXXXper month. So after we divorced she dropped the lease in my lap. She said she didnt have the money to pay for it. So I took it back to the dealer, and was told I could return it but the payments and the other fees I still have to pay. Sales and finance said that it was my signature on the lease and it was my responsibility. They then told me that since I had to still pay for lease, they can put me in a lease for with the same as the truck to replace it payment wise. I agreed thinking I was just paying for the new lease in place of the old lease. After about 5months I get two bills from TFS saying I still owe on the truck and the car lease. They added the reminder of lease of the truck to my car lease. I struggled to pay the {$790.00} as I retired from the Military the same month XX/XX/XXXX. I attempted to get payment lowered, TFS told me no because of my now credit score after the divorce. I was always a two payments behind because of due date they wouldnt change. I get threatened with repossession of the car every month. Its about 8months and the day I had to had the last current month payment in, I had to send it by XXXX XXXX. That night they repossessed my car. After the fact that I brought it current. I tried getting my car back, and was denied. Two weeks later they sold it at a auction. The amount that it was sold for wasnt and still hasnt been disclosed to me, and TFS reported to credit unions that I still owe them $ XXXX. I also asked them about the Solider and Sailor Act, and was shut down. Im a retiree on a fix pension after divorce, and on the hook for a payment on a prior lease that was add to a newer lease I didnt sign for. Now my ex-wife credit score is 800+ do to her paid debts off. So if thats the case her credit was attached to mine, but my credit file never changed | null | TOYOTA MOTOR CREDIT CORPORATION | CA | 92562 | Servicemember | Consent provided | Web | 2019-08-04 | Closed with explanation | Yes | null | 3,328,753 |
2023-08-04 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | Good evening, Wells Fargo keeps denying my rights to arbitration under section 6 of my credit card agreement. I have requested arbitration to contest the results of two disputes : # XXXX & # XXXX many times but keep getting told I can not do so, despite it being in my credit Card agreement. I even have audio recordings of phone calls to Wells Fargo customer service, which show them denying my request ( attached ).
Thank you, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11101 | null | Consent provided | Web | 2023-08-04 | Closed with explanation | Yes | null | 7,352,212 |
2020-12-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 770XX | null | Consent provided | Web | 2020-12-22 | Closed with explanation | Yes | null | 4,025,432 |
2017-05-31 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I receive d a Summons letter earlier this month from office of Lustig & Glazier sta ted that I failed to appear in court XX/XX/XXXX a nd a judgment was made against me in XXXX in regards to a XXXX credit card from maybe XXXX . I emailed their offices questioning what the documents was about because I was never notified on the actual hearing date! Even worse it 's 10 year old an d they are chasing me for this! I probably had this type of card but thought the account was charged off or something? Sorry not sure what came of this card, I will own that I could have had a balance but NOT {$3000.00}. This office stated that the amount before this " judgement " against me, {$1800.00} was being basically taxed every month since XXXX !? Which explains why it sits at {$3000.00}? Anyway I called this office today XXXX # and requested a payment plan because I ca n't afford to take time off and or extra court costs. I need to know if this is legitimate? This whole thing has thrown me for a loop because it 's been 10 years and the lustig office wo n't give me anything other than the summons letter to explain why after this long I 'm being charged to pay this drastic amount. Please help! | Company believes it acted appropriately as authorized by contract or law | Lustig, Glaser & Wilson, P.C. | MA | XXXXX | null | Consent provided | Web | 2017-05-31 | Closed with explanation | Yes | null | 2,498,470 |
2023-10-23 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Credit bureaus includes identity theft info that does not belong to me and they still haven't been able to update my information despite several request. I'm attaching driver license, utility bill and social security for them to update and delete all information not matching my driver license.
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Jobs : XXXX Phone : XXXX The rest do not belong to me, I live at this address since XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2023-10-23 | Closed with non-monetary relief | Yes | null | 7,739,325 |