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2020-04-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Waypoint Resource Group is attempting to collect on behalf of XXXX XXXX, XXXX. I reached out to Waypoint Resource Group and requested that the collection agency send a copy of the original contract which verifies I owe the debt. I also requested a copy of the last billing statement sent by the original creditor, the amount owed when the collector purchased the debt, the date of last payment and whether the debt is past the statute of limitations. To date, I have received no response.
An amount of {$520.00} is not owed to XXXX XXXX. Waypoint Resource Group has not provided any documentation which proves the debt belongs to me. Thus, I am requesting this entry be removed from my credit report immediately. This debt is erroneous. | Company believes it acted appropriately as authorized by contract or law | Waypoint Resource Group, LLC | IL | 60649 | null | Consent provided | Web | 2020-04-01 | Closed with explanation | Yes | null | 3,588,673 |
2020-02-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon reviewing my report, I noticed fraudulent information was posted on my file. I was recently a victim of identity fraud and believe this resulted in this fraudulent information posted. I request that you remove this information off of my report. | null | EQUIFAX, INC. | NJ | 07407 | null | Consent provided | Web | 2020-02-12 | Closed with explanation | Yes | null | 3,529,387 |
2019-03-09 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | On XX/XX/2019, The Corporation/LLC Certificate of Good Standing for the state of Illinois shows that CMRE Financial Services , Inc. is not legally able to collect in the state of Illinois as they are in not good standing per the website. I am disputing the debts reported on my credit due to no valid license for CMRE to collect in the state of Illinois. | null | CMRE Financial Services, Inc. | IL | 60402 | null | Consent provided | Web | 2019-03-09 | Closed with explanation | Yes | null | 3,174,642 |
2020-01-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Not my accounts | null | EQUIFAX, INC. | NC | 28025 | null | Consent provided | Web | 2020-01-05 | Closed with explanation | Yes | null | 3,485,345 |
2023-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I did not consent or recognize any of these inquiries on my credit report. Please have them removed immediately from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11211 | null | Consent provided | Web | 2023-08-17 | Closed with explanation | Yes | null | 7,419,060 |
2022-03-01 | Credit card or prepaid card | Store credit card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | I took out a credit card with Zale under a promotional offer. no one ever stated at the end of the promotion if you have a balance left when the promotion is over. the company will add the six interests to your bill. | null | Bread Financial Holdings, Inc. | NY | 11720 | null | Consent provided | Web | 2022-03-01 | Closed with explanation | Yes | null | 5,273,505 |
2023-05-05 | 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, has violated my rights .
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 79907 | null | Consent provided | Web | 2023-05-05 | Closed with explanation | Yes | null | 6,936,627 |
2017-07-18 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | I contacted XXXX XXXX about having debts that I 've already paid deleted from my credit, however the representative told me that they can not delete from my report eventhough I 've already paid. They also told me that only the credit bureaus can delete this from my credit, however I pad convergent for the debt I owed them. This is causing a severe negative impact on my credit which is preventing me from obtaining a loan. Convergent uses XXXX ( an email verification system ) and can delete directly, however they refuse to do so. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | FL | 33511 | null | Consent provided | Web | 2017-07-18 | Closed with explanation | Yes | null | 2,577,592 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I disputed accounts and the the accounts came back as verified. When I tried to dispute the information again due to it being correct I was informed that I could not dispute it because it had been verified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 02186 | Older American | Consent provided | Web | 2022-11-25 | Closed with non-monetary relief | Yes | null | 6,250,115 |
2022-07-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | After receiving a copy of my credit report, I discovered the following errors, which are detailed below. In line with 15 USC 1666b If a creditor has not adopted reasonable procedures to ensure that each periodic statement includes the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date, the creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
In violation of 15 USC 1681b, I NEVER issued the credit reporting agency or any other company a formal order to provide any information for my consumer report. Due to its harsh and unethical actions, Credit Reporting Agency has put a great deal of stress and anguish on people.
You, Experian, XXXX, and XXXX ought to feel guilty for having ACQUIRED this position and responsibility in order to routinely defraud consumers and hurt their interests!
It is improper to list these accounts with late or missed payments. The following accounts should be marked as PAYS or PAID AS AGREED because they were NEVER past due.
XXXXXXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments.
XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments.
XXXX XXXX XXXX Please change the account to read Paid/Current as I have never been late on ( XXXX to present ) payments.
Pennsylvania XXXX Since I never missed a payment on this account between XXXX through XXXX, please update the status to Paid/Current.
I demand that these issues be looked into and taken off my report in accordance with the Fair Credit Reporting Act. Additionally, I demand that you give me all supporting documents and hard proof that I am or have been late.
I believe you will double-check these things with the creditor who posted them.
Any information that the creditor can not verify should be removed. I am aware that you have 30 days from receiving this letter to complete this reinvestigation in accordance with 15 U.S.C. Sec. 1681i ( a ).
Send me a revised copy of my credit report with the desired modifications, please.
Sincere regards, XXXX : XXXX { XXXX } Without Prejudice, All Natural Inalienable Rights Reserved | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19006 | null | Consent provided | Web | 2022-07-01 | Closed with explanation | Yes | null | 5,727,925 |
2017-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34787 | Servicemember | Consent provided | Web | 2017-08-17 | Closed with explanation | Yes | null | 2,635,967 |
2023-07-07 | Student loan | Federal student loan servicing | Struggling to repay your loan | Problem lowering your monthly payments | The amount of interest charged all of these years has doubled what I owe and what I took out with continued accumulation.The interest bearing charges have not been transparent or fair. It is making obtaining a higher education for our future generations impossible.
The system and allowable interest needs to be affordable to help students be successful when they get out.
No assistance is given for graduate student loans on top of that high bearing interest. | null | Nelnet, Inc. | TX | 757XX | null | Consent provided | Web | 2023-07-07 | Closed with explanation | Yes | null | 7,212,391 |
2019-12-05 | 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. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Also, update my personal information to my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33570 | null | Consent provided | Web | 2019-12-05 | Closed with explanation | Yes | null | 3,459,220 |
2015-06-30 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt is not mine | I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " LVNV Funding LLC " under account number XXXX LVNV Funding LLC has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation. It has also been re-aged as a new collection to further affect my score. They use Multiple companies. I have sent several letters, including notarized formal validation letters seeking this verification and to this date LVNV Funding LLC Corporation has failed to provide the information requested. I have been told I will be called about multiple time and no call backs from the company. I will seek legal action against this company for the practices if the issue is n't resolved immediately LVNV Funding LLC has not provided me with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that LVNV Funding LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that LVNV Funding LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither LVNV Funding LLC Corporation possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt. | null | Resurgent Capital Services L.P. | FL | 33068 | null | Consent provided | Web | 2015-06-30 | Closed with explanation | Yes | No | 1,446,016 |
2016-03-06 | Debt collection | Medical | Disclosure verification of debt | Not given enough info to verify debt | comapny will not provide me verification and validation of debt yet continue to report this on my credit report. This debt is not mine | null | Commonwealth Financial Systems, Inc. | TX | 75081 | null | Consent provided | Web | 2016-03-06 | Closed with explanation | Yes | Yes | 1,818,382 |
2021-02-18 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I purchased flooring from XXXX on XX/XX/XXXX. I signed a contract that stated my original total was {$6400.00} but I only had to pay {$5600.00} due to a discount approved by market. I made two deposits on XX/XX/XXXX ( {$580.00} and {$2200.00} ) totaling {$2800.00}. In the special instructions section on page 2 of 14 it stated that I owed {$2800.00} C.O.D. I had two different installation dates. On XX/XX/XXXX I paid {$1700.00}. On XX/XX/XXXX the customer service representative took my payment over the telephone for {$1300.00}. The next day I got a call stating that they had overcharged me and they were going to fix it and my payment of {$1300.00} would not be processed. Then the day after that I got a call stating that I owe {$1200.00} more. After several calls with an unknown representative I asked for a supervisor. XXXX XXXX called me. XXXX XXXX General Office Associate XXXX. Ms. XXXX stated that I owed {$1200.00} more over the telephone and in an email. I explained to her about the call I received as well as everything else and asked her to send me an itemized bill. Ms. XXXX then sent me an email saying I owed {$1300.00} more, she sent me a bill stating that my total order was {$4000.00} my deposit was {$2200.00} with an allowance ( discount ) of {$470.00} and I owed {$1300.00}. However, the original sales receipt stated my original total was {$6400.00} but I was being charged {$5600.00} which is a {$770.00} discount not {$470.00}. Ms. XXXX also sent an attachment showing my total was {$4000.00} with a deposit of {$2200.00}, discount of {$470.00} and balance of {$1300.00}. I informed Ms. XXXX according to the original call I received and the email that she sent me with an attachment mirroring what was she typed, I had over paid by {$390.00}. I also told her that one of my deposits made on XX/XX/XXXX for {$580.00} was not reflecting her itemized bill. Ms. XXXX never addressed that. After several calls and letters mailed to me Ms. XXXX and I couldnt come to an agreement. XXXX XXXX wanted me to send her my credit card statement but with everything that transpired I did not feel comfortable sharing my personal information with anyone at XXXX. On or around XX/XX/XXXX, I received a collection notice for {$1300.00}. This have been a living nightmare and nobody seems to care and now my credit is being jeopardized. Im not sure what my salesman or any other of the workers did with my order. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | MI | 48042 | null | Consent provided | Web | 2021-02-18 | Closed with explanation | Yes | null | 4,147,557 |
2023-06-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX Account number:XXXX Account name XXXX XXXX XXXX XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | SC | 29150 | null | Consent provided | Web | 2023-06-27 | Closed with non-monetary relief | Yes | null | 7,174,364 |
2023-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} Portfolio Recovery Associate : {$1900.00} XXXXXXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first. | null | PORTFOLIO RECOVERY ASSOCIATES INC | NY | 11563 | null | Consent provided | Web | 2023-04-20 | Closed with explanation | Yes | null | 6,866,909 |
2020-05-01 | Mortgage | Conventional home mortgage | Incorrect information on your report | Public record information inaccurate | I called my mortgage servicing company to as what they are offering as far as forbearance plans because I am a XXXX XXXXXXXX and wanted to be informed and inform my clients. The company, New Rez, under Shellpoint Mortgage Servicing, told me someone would call me back. They never called. Instead, I got a letter stating that I was now in a forbearance plan and did not need to pay my mortgage payment. I called them to clarify that I did not need the plan, I just wanted to get information. They apologized and even said that they would file a complaint on my behalf for the misunderstanding. After a few confusing letters contradicting each other, I called them back again on XX/XX/XXXX. They reassured me that I was not in a forbearance plan and that nothing would be reported to the credit bureaus. On XX/XX/XXXX, today, a change was made to my credit report stating that my mortgage was " affected by natural disaster ''. This is exactly what I did not want to happen. I never agreed to any terms of a forbearance plan, verbaly or otherwise. I payed my payment on time, every time. I even pay a {$100.00} more per month to bring my principle down faster. The companies website is https : //www.shellpointmtg.com/ | Company believes it acted appropriately as authorized by contract or law | Shellpoint Partners, LLC | CA | 91402 | null | Consent provided | Web | 2020-05-01 | Closed with explanation | Yes | null | 3,632,324 |
2023-08-04 | Checking or savings account | Checking account | Closing an account | Can't close your account | XX/XX/ Discovered Wells Fargo had created a FAKE account in my name.
A returned uncashed check from the County of XXXXXXXX Property Tax unit contained the FAKE account number.
XX/XX/ A copy of the check and the letter from the Property Tax Unit was provided to XXXX XXXX at the XXXX XXXX XXXX XXXX Wells Fargo.
XXXX said he would forward the information to the bank fraud unit.
He said he could not provide any information on the account.
XXXX said he could not freeze, lockdown or cancel the account.
XXXX said I should file a police report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 95825 | Older American | Consent provided | Web | 2023-08-04 | Closed with explanation | Yes | null | 7,352,576 |
2019-07-30 | Debt collection | Other debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | They called a family member, who has no association with the account in issue whatsoever, and aggressively got into specifics about exactly what amount ( s ) are/were owed, when, what adjustments were made, etc. I told them this was not acceptable, and they told me they can continue to call her to attempt to collect this {$9.00} ( arguably invalid ) underlying debt. | Company believes it acted appropriately as authorized by contract or law | R & B Corporation of Virginia | AZ | 85718 | null | Consent provided | Web | 2019-07-30 | Closed with explanation | Yes | null | 3,322,569 |
2021-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX.
" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance.
Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.
I've contacted XXXX XXXX over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting.
On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance.
This situation is making this diffucult time worst. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78254 | null | Consent provided | Web | 2021-08-14 | Closed with explanation | Yes | null | 4,631,101 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report for the fourth time, 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 corrected 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33126 | null | Consent provided | Web | 2023-09-05 | Closed with non-monetary relief | Yes | null | 7,502,357 |
2023-08-30 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Delete Hard Inquiries | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 22554 | null | Consent provided | Web | 2023-08-30 | Closed with non-monetary relief | Yes | null | 7,477,091 |
2023-08-30 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | Experian Information Solutions Inc. | TX | 752XX | null | Consent provided | Web | 2023-08-30 | In progress | Yes | null | 7,479,489 |
2015-11-30 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Threatened to take legal action | I made contact with XXXX XXXX XXXX who is operating as the " attorney '' for XXXX XXXX ( A subsidiary of XXXX XXXX XXXX ). I tried to discuss the recent consent order that was issued by the CFPB to let them know that the default judgment that they obtained and the payments that I am currently making are a part of the order. I know that they have time to address the Consumers but I was just trying to get a copy of my payment history so that I can close on a mortgage. They were not willing to cooperate with me, said that I have defaulted on the payment agreement, and were rude for no reason. I could not get the legal staff on the phone. What are my options as far as the Consent Order goes? | Company believes it acted appropriately as authorized by contract or law | Mary Jane M. Elliott, P.C. Attorneys At Law | MI | 483XX | null | Consent provided | Web | 2015-11-30 | Closed with explanation | Yes | Yes | 1,675,644 |
2019-01-30 | 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 | Dear Experian, RE : Acct : XXXX Report Number : XXXX This account was under dispute and came back verified in XX/XX/XXXX and XX/XX/XXXX. I recently submitted a dispute asking that you delete the account due to multiple inaccuracies being reported by this account that doesn't even involve whether or not the account had been verified. All you did was update the account and still have failed to report it correctly. A collection account can not have a past due amount for sheer fact that a collection account is already a past due balance, therefore it itself can not have a past due balance.
- This collection account reports 1 months terms - This collection account has been disputed and I have asked for method of investigation as well as who verified this account and Experian has failed to provide this information at every turn.
This is not request for another dispute, investigation or re-investigation.
Either provide the information asked for or remove this account immediately | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 46235 | null | Consent provided | Web | 2019-01-30 | Closed with explanation | Yes | null | 3,137,454 |
2020-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | My husband and I have been trying to get a mortgage since XX/XX/2020. We havent disputed anything on our credit reports since XX/XX/2020. All of the credit bureaus keep opening up disputes on our reports. We call 2-3 times weekly and they close them only for them to reappear. XXXX was deleted from my credit report XX/XX/2020 and they opened a disputed on them XX/XX/XXXX and then added it back onto my credit report. We cant get a mortgage with open disputes and want them to stop disputing items and adding dispute remakes when we arent disputing things! We also need for them to correct the XXXX error. | null | EQUIFAX, INC. | MI | 487XX | null | Consent provided | Web | 2020-07-26 | Closed with explanation | Yes | null | 3,764,656 |
2022-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On my credit reports from all XXXX main agencies XXXX, XXXX, and Transunion shows incorrect addresses, incorrect name, along with inquiries on my credit that i did not authorize. I will provide the information that is true and correct and should be visible on my credit report all other information should be deleted immediately as this is causing me harm due to these items having a direct affect on my XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91401 | null | Consent provided | Web | 2022-01-20 | Closed with explanation | Yes | null | 5,128,981 |
2022-03-01 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | To whom it may concern, I am having issues with disputing an amount on my Lord and Taylor Card which is now being managed by Capital One. Ever since Lord and Taylor filed for bankruptcy and started to be managed by Capital One, I have been having major issues receiving the bill to my home. I already checked with neighbors and the local post office and they claim no mail is being held back. I have no issues at all receiving my other credit card bills from XXXX XXXX, XXXX XXXX, etc. I called Capital One and they claim that on their end, all mail is being delivered to me. I was so confused as to why I was not receiving the bill in the mail. This has forced me to sign up on Capital One 's website ONLINE to pay my bills online in a timely manner. Also so that I can also get a reminder via email to pay my bill. On XX/XX/2021, I saw that the remainder on my bill was {$1600.00}. I decided to pay this full amount and assumed that the entire amount has been paid off and that I no longer have to worry about this Lord and Taylor card. After this, I have received zero emails for any outstanding payments as I usually would, even though I am signed up for emails and I still did not receive any bills to my home. Now in XX/XX/2021, I started receiving some alerts on my credit score. I discovered that I have an outstanding amount of {$150.00} at Capital One, which was originally {$30.00} interest charge that was applied AFTER I paid the full amount of {$1600.00} and all the additional interest and late fees that accumulated up until now and I had NO IDEA! I received NO emails and NO mail about this unpaid {$30.00} which has now accumulated to {$150.00}. This was applied to my account TWO DAYS AFTER I paid the amount of {$1600.00}. I was appalled and feel like I am being scammed and taken advantage of. I believe the company intentionally stopped sending me email notifications on balances due on this {$30.00} so that interest and fees would continue to pile up and that they would try to make me look like I was avoiding to pay my bills. I spoke with a manager at Capital One and she did not care that I was not receiving the bills and notifications to my home because she said that in their " system, '' it was indicated that mail was being delivered. She made it seem like I was lying or trying to get out of paying my bill which is not the case. I am not sure why a person would WAIT months and have late fees and interest fees piled up and ruin their credit score. How would that benefit me? I received zero MAILS, EMAILS, neither any phone calls or voice mails about an outstanding amount. This is totally unfair treatment of the consumer and Capital One failed to notify me to pay the original bill so that additional fees and interest can be piled up against me. Capital One is trying to squeeze out every penny they can from consumers and are not willing to accommodate when they failed to send me ANY sort of notifications. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 11354 | Older American | Consent provided | Web | 2022-03-01 | Closed with monetary relief | Yes | null | 5,274,403 |
2021-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them | null | Security Credit Services, LLC | FL | 32765 | Servicemember | Consent provided | Web | 2021-05-20 | Closed with explanation | Yes | null | 4,393,442 |
2020-12-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | My name is XXXX XXXX DOB XX/XX/86. I have been impacted with COVID SINCE XXXX! I HAVE BEEN IN CONTAXT WITH XXXX WHEN NOT on XXXX as I could. I have been in most recent contact, XXXX, XXXX, XXXX and XXXX Each month aside from XXXX, I was told, my account was covered under the assistance program for COVID AND NO PAYMENT WAS DUE. I THEN GET A COLLECTION CALL IN XXXX STATING I OWE {$190.00}!!! They told me all this missed COVID PAYMENTS WERE NOW ALL DUE AT ONCE!!! I HAD NO NOTICE THIS WOULD BE THE CASE, NO WRITTEN AGREEMENT NOTHING!!! THIS IS UDAAP!!! HOW CAN A PERSON IMPACTED BY COVID PAY ALL THESE PAYMENTS AT ONCE!! WELL DUE TO MY CONCERNS WITH MY CREDIT SINCE MY HUSBAND JUST DIED FROM COVID AND SO DID MY DAUGHTER, I NEED MY CREDIT! SO I SOLD MY WEDDING BAND TO COVER BILLS! THIS BILL! I PAID {$200.00}!!! TWO DAYS LATER MY CREDIT SCORE DROPS 33 POINTS! WHY?! BECAUSE XXXX REPORTED ME PAST DUE!! I CALLED IN AND THE THRIRD PARTY REP TOLD ME ITD BECAUSE I HAVE NOT MADE A PAYMENT SINCE XXXX. I TOLD HIM I WAS TOLD I DID NOT HAVE TO BECAUSE I WAS ON TEH COVID PLAN. HE SAID, WELL I SEE THEY WAIVED LATE FEES FOR THOSE MONTHS, BUT I STILL HAD TO MAKE PAYMENTS - XXXX XXXX!!! TOTAL XXXX!! I WAS TOLD I DID NOT HAVE TO!
THEY NEED TO BE INVESTIGATED FOR HOW THEIR TREATING COVID IMPACTED CUSTOMERS!! THEY TOLD ME I QUALIFIED FOR COVID ASSISTANCE, AND NO AYMENTS WERE DUE, THEN THEY DEMAND A {$190.00} PAYMENT WITH NO NOTICE AT ALL!!! THERE WAS NO AGREEMENT TO MAKE ME AWARE THAT COULD HAPPEN!
I NOW HAVE TO CREMATE MY DAUGHTER WHO DIED FROM COVID BECAUSE THESE CARELESS XXXX RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | XXXXX | null | Consent provided | Web | 2020-12-29 | Closed with explanation | Yes | null | 4,037,260 |
2021-03-17 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Credit Collection Services has damaged me being NEGLIGENT AND UNFAIR. Your company has committed the following damages {$10000.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. I didnt know I was getting billed and there was anything due. I was charged incorrectly.
Account information : Account number : XXXX, date Opened : XX/XX/2020, original balance : $ XXXX.Your company is committing multiple violations to the CCRA. Please read them carefully : Re-aging account.
Reporting an incorrectly charged-off account.
Unfair business practices.
Failing to report correct last activity date.
Negligence.
This situation is very stressful and I am just asking for what is fair. I need you to take this matter seriously. I demand to get the account removed from all three credit bureaus.
Please send the attached document to the company.
Thank you. | Company disputes the facts presented in the complaint | CCS Financial Services, Inc. | CA | 94601 | null | Consent provided | Web | 2021-03-17 | Closed with explanation | Yes | null | 4,219,642 |
2022-12-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I do not believe that an investigation was done because there are still unauthorized inquiries on my report. I have already filed a report and sent letters to the credit bureaus 7 months ago explaining that the inquiries being reported are not correct. I will attach the letter with this complaint. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove the following from my Transunion report immediately : XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX is duplicate but an actual account ***** XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX **** XXXX is accurate but duplicate Inquiry *** XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 750XX | null | Consent provided | Web | 2022-12-15 | Closed with non-monetary relief | Yes | null | 6,326,491 |
2018-10-09 | Debt collection | Auto debt | Communication tactics | You told them to stop contacting you, but they keep trying | I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | MD | 20784 | null | Consent provided | Web | 2018-10-09 | Closed with explanation | Yes | null | 3,040,756 |
2019-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Equifax and XXXX is currently reporting a medical bill in collections that is incorrect. According to Equifax they are reporting two ( 2 ) Medical Bills from XXXX XXXX one for {$470.00} and one for {$650.00}. This information is incorrect XXXX is also reporting a medical bill from XXXX XXXX for {$650.00} that was paid and should be removed. | null | EQUIFAX, INC. | FL | 33993 | Servicemember | Consent provided | Web | 2019-06-12 | Closed with explanation | Yes | null | 3,272,287 |
2017-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I submitted a dispute letter to Equifax by certified mail on XXXX/XXXX/XXXX XXXX, and it was received by the company on XXXX/XXXX/XXXX at XXXX. My letter of dispute addressed the incorrect addresses listed on my Equifax report along with additional accounts listed. I sent with my letter my picture ID for my current and previous addresses to show that the additional addresses listed do not belong to me. I also sent in other verifying documents of my address such as utility and insurance bills. I called Equifax at XXXX on XXXX/XXXX/XXXX at XXXX to inquire about why I have not received a response to my disputes. I was on the phone for XXXX hour and XXXX minutes. The representative stated that they received my information but the disputes were not investigated. I asked to speak to a XXXX where I was on hold again for over XXXX minutes. The next person who answered stated the same thing, that it was received but that they only updated the spelling of my name and my current address. I asked by they did not send me any correspondence and she said nothing else was investigated and she does not know why. It has been over 60 days now and I still have not received a response. | null | EQUIFAX, INC. | NC | 28211 | null | Consent provided | Web | 2017-10-04 | Closed with non-monetary relief | Yes | null | 2,693,118 |
2023-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 21117 | null | Consent provided | Web | 2023-02-23 | Closed with non-monetary relief | Yes | null | 6,607,116 |
2019-08-19 | 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 | transunion web site is not updating my credit reports.what there is,is that the web site is not functiong. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89502 | Servicemember | Consent provided | Web | 2019-08-19 | Closed with explanation | Yes | null | 3,344,925 |
2021-10-06 | 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 | Transunion and XXXX reporting XXXX XXXX XXXX credit Inquiry | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | HI | 96707 | null | Consent provided | Web | 2021-10-06 | Closed with explanation | Yes | null | 4,785,847 |
2023-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am writing to dispute some information that I believe was added to my credit report without my knowledge or consent. These are potentially the results of identity theft and should be blocked and deleted from my report immediately. The details of these accounts are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with a reporting balance of {$2200.00}. I WISH TO EXPRESS THAT I DID NOT OPEN THESE ACCOUNTS, NOR HAVE I AUTHORIZED ANYONE TO DO SO ON MY BEHALF. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30349 | null | Consent provided | Web | 2023-07-18 | Closed with non-monetary relief | Yes | null | 7,266,777 |
2019-09-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I contacted Equifax on XX/XX/XXXX about some items that was incorrect on my credit report. Equifax sent me a letter back stating that they didn't have a credit file for me. I do have a credit file I have an auto loan and credit cards. This hurting my credit score. I am attaching the information that was sent to equifax on XX/XX/XXXX, along with my driver license. | null | EQUIFAX, INC. | LA | 70806 | null | Consent provided | Web | 2019-09-24 | Closed with non-monetary relief | Yes | null | 3,385,029 |
2023-04-22 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | My private student loans are through Navient. These loans never went to me directly at the time at XXXXXXXX XXXX. I was frequently put into default/ forbearance without asking for forbearance. I have repeatedly asked to remove the cosigner 's from my private loans and been given multiple reasons they wouldn't. They said it is not in their best interest to remove a cosigner and I still have them almost 15 years later. I was granted borrows defense on my federal loans for my schools fraudulent practices but that does nothing to assist with the private loans they received. I had three private loans for a total of {$15.00}, XXXX. I graduated in XXXX I have paid on the loans the majority of that time. Having paid already double what I had borrowed with fluctuating interest rates and incorrect payment data I still owe an additional approximately XXXX dollars in private loans. What they claim to have received in total payments is not accurate based on payment history. I was in default for more than seven consecutive months being forced to make payments to prevent wage garnishments being told inaccurate information and for some reason was not included in the navient settlement. When going through their customer service and asking why I was not included in the settlement seeing as how I met the qualifications for the settlement they stated that because I had made a payment XXXX of XXXX it disqualified me and I had no further recourse and I have continued to make payments every month since then. I believe I should have been included in that settlement due to my loan status and I believe that navient coerced me. Based on the lawsuit that was posed against navient in that settlement any loan that had been in default or forbearance for seven consecutive months at any point prior to the issuing of the settlement was included. I request that my loans be evaluated for their qualifying factors in that settlement they be discharged and my payments be refunded. I was cruelly taking advantage of by a fraudulent predatory School that is created great financial harm since attending. I filed bankruptcy in XXXX however private student loans at that time were not included because I was not disabled. Navient upheld their private loans throughout my bankruptcy and the two years since. Navient refuses to settle the private loans unless your loan is in default this costs additional interest and fees. | null | Navient Solutions, LLC. | FL | 34758 | null | Consent provided | Web | 2023-04-22 | Closed with explanation | Yes | null | 6,877,419 |
2023-05-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX | null | EQUIFAX, INC. | AZ | 85043 | null | Consent provided | Web | 2023-05-31 | Closed with non-monetary relief | Yes | null | 7,053,929 |
2023-03-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I tried to fix this problem with XXXX XXXX XXXX XXXX Experian and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95205 | null | Consent provided | Web | 2023-03-31 | Closed with explanation | Yes | null | 6,648,341 |
2019-03-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I am resubmitting my complaint trying to get my EQUIFAX credit report I have been trying since XX/XX/2019. this company is asking me to resend my personal information yet again and what they are asking for I have already sent this company. I have refused to send my personal information in the mail again and when I did send it I received two letters from Equifax XXXX first letter dated:XX/XX/2019 and the second letter dated XX/XX/2019.And now I have received letter number 3 dated XX/XX/2019 asking for more personal that as I have stated above has already been send letter # 3 is from XXXX XXXX.CFPB I JUST WANT MY FREE ANNUAL CREDIT REPORT PLEASE HELP! | null | EQUIFAX, INC. | FL | 347XX | null | Consent provided | Web | 2019-03-26 | Closed with non-monetary relief | Yes | null | 3,190,752 |
2020-09-04 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | this started on XX/XX/XXXX their was a lot of unauthorized fraudulent transactions made by playstation/sony in my card. I have been going to my local bank almost everyday and they have not helped me as much, I just wanted to know whats taking so long for them to dispute my transactions i have bills to pay and was wondering if i can get this situation fixed sooner | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | XXXXX | null | Consent provided | Web | 2020-09-04 | Closed with explanation | Yes | null | 3,831,103 |
2023-06-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX
XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX CARD - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C . 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX BANK - XXXX - Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction As a consumer by law this account must be deleted immediately - under 18 U.S.C XXXX
1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX BANK - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75208 | null | Consent provided | Web | 2023-06-28 | Closed with explanation | Yes | null | 7,177,790 |
2022-03-14 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | Grant and Weber continually adds to the balance of this account each and every month. The original balance was {$390.00} and now is over {$520.00} on my XXXX, XXXX and XXXX credit reports.
Per 15 U.S. Code 1692e ( 2 ), Grant and Weber can not claim an amount more than actually owed ( allegedly due to interest, late charges or other fees, that are not authorized ).
This is a medical bill and no contract was ever signed to charge any additional amounts. I do not have any signed or verbal contract either with the doctor or Grant and Weber. They are clearly breaking the law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Grant & Weber | IL | 61350 | null | Consent provided | Web | 2022-03-14 | Closed with explanation | Yes | null | 5,319,944 |
2022-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act Dept Of EducationXXXXXXXX ( All Accounts ) 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 | null | EQUIFAX, INC. | PA | 19132 | null | Consent provided | Web | 2022-06-18 | Closed with explanation | Yes | null | 5,684,382 |
2023-06-20 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | THIS ACCOUNT IS NOT MINE. EXPERIAN IS NOT DOING DUE PROCESS ACCORDING TO LAW TO GET THIS REMOVED OFF MY CREDIT FILE. THEY ARE MERELY USING E-OSCAR AND NOT CONDUCTING A INVESTIGATION. I HAVE PROVIDED POLICE REPORTS, IDENTIFCATION DOCUMENTS, AND FTC AFFADAVIT AND EXPERIAN STILL HAS THIS LISTED ON MY CREDIT FILE AND IT IS NOT MINE. IT IS AN RESULT OF IDENTITY THEFT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32904 | null | Consent provided | Web | 2023-06-20 | Closed with explanation | Yes | null | 7,139,955 |
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 | Their investigation did not fix an error on your report | I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX BANK NA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77063 | null | Consent provided | Web | 2023-05-10 | Closed with non-monetary relief | Yes | null | 6,957,394 |
2022-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a dispute by mail to Transunion regarding a credit card account with XXXX XXXX. I advised them there were inaccuracies on the information being reported which is having a huge negative impact to my fico score. Transunion sent a generic letter stating the information was verified and confirmed valid. It is clear there was no actual verification of the information because inaccuracies are still on the report and nothing changed. I requested a method of verification which was dismissed by them and not provided. I am requesting for Transunion to do an ethical and actual correct investigation so the information is reported accurately or they need to delete the tradeline completely. Transunion is currently approving a false manipulation of the statue of limitations on this account by not correctly validating the information and actually doing an investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 761XX | null | Consent provided | Web | 2022-01-02 | Closed with non-monetary relief | Yes | null | 5,062,604 |
2020-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX has reported multiple 30 day late payments to transunion credit bureau that are not accurate and has reported to XXXX that I did a settlement not a full payoff.
In XX/XX/XXXX I took a {$20000.00} loan out with XXXX XXXX. I've paid off the loan in XX/XX/XXXX and up to that point always made my payments on time. In XX/XX/XXXX I informed XXXX XXXX at XXXX XXXX that they have reported multiple 30 days late payments on my account to TransUnion. She said that she would get these removed since I had no late payments. Within 60 days those late payments were removed. In XX/XX/XXXX I was informed by TransUnion that multiple 30 day late payments have been reported from a loan that I had with XXXX XXXX back in XXXX. I called XXXX XXXX at lending point and emailed them with documents showing the late payments on my credit report. XXXX informed me via phone she would talk to management to get them removed. I have heard nothing back from lending point. I've left multiple messages and emailed multiple times. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 926XX | null | Consent provided | Web | 2020-08-21 | Closed with explanation | Yes | null | 3,807,179 |
2022-08-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights.
15 U.S.C 1681 section 602a States I have the right to privacy.
15 U.S.C 1681 section 604a section 2. It also states a consumer reporting agency can not furnish a account without my written instruction. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27603 | null | Consent provided | Web | 2022-08-13 | Closed with non-monetary relief | Yes | null | 5,876,179 |
2020-01-04 | 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 | On or around XX/XX/2019. I received an alert from my credit monitoring that a new inquiry for a personal loan had been added to my report. I immediately disputed the fraudulent inquiry, the inquiry was made through Clarity Services INC. they are a low budget credit reporting agency operating out of XXXX, Florida. several people have tried fraudulently to open personal loans in my name using Clarity Services INC . The inquiry was removed through XXXX the major credit reporting agency. I then attempted to place a freeze on my credit report with Clarity Services, INC. I followed the Clarity Services INC procedure to initiate a freeze by completing their SECURITY FREEZE REQUEST FORM and mailing it to Clarity Services , Inc. XXXX. XXXX XXXX XXXX, FL XXXX. They send me a letter stating that they need my full name, DOB and Social Security, all of which were provided to them on the credit freeze form they require you to use. I believe that Clarity Services is misusing consumer information and then making it impossible for someone to stop them by refusing or making difficult for consumers to place a permanent freeze on their own reports. I have also tried to resolve the issues with clarity services about the fraudulent inquiry but the telephone customer service representative refused to provide me with information, again showing how difficult it is to remediate fraudulent information with their company, | null | Clarity Services | TX | 78633 | Servicemember | Consent provided | Web | 2020-01-04 | Closed with explanation | Yes | null | 3,485,561 |
2022-04-10 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | I went to do a XXXX XXXX around XXXX or XXXX years ago. I had insurance when I went. I was charged a fee for the consultation. Then I was charged a fee for seeing a medical professional about the problem. Then I was charged a fee for a XXXX XXXX Charged a fee for someone to read the XXXX XXXX. Then charged again to have someone explain the fee to me. When does it end? I paid collections of {$510.00} to a collector for the debt listed below.
XXXX XXXX XXXX XXXX XXXX Now I'm told I owe {$360.00} to a different debt collector COLLECTION SERVICE CENTE For the same type of services allegedly. This when comes from a neurology center in XXXX, WV. I have never been to a neurology center in XXXX, WV. I used to live in XXXX, WV and now I have lived in XXXX for over 2 years. I can't get in touch with the debt collector because I have no information except the neurology center I have never visited. I need help figuring this out. How many times am I going to pay the same related group of people for something some of them may have not had any involvement in.
XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXXXXXX XXXX, WV XXXX Is committing fraud for services that were never agreed to and possibly never rendered. | null | Collection Service Center, Inc. | FL | 32034 | null | Consent provided | Web | 2022-04-10 | Closed with explanation | Yes | null | 5,428,604 |
2020-06-22 | 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 | on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company Capital One that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
On XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30080 | null | Consent provided | Web | 2020-06-22 | Closed with explanation | Yes | null | 3,709,784 |
2020-02-29 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | I moved into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX, on XX/XX/XXXX, I moved in on a 12-month lease. Prior to me moving in I put a {$500.00}, deposit with the first months rent. During my stay I never was late with rent my rental history was good always on time payments. Once my 12-month lease was up I decided to move. I went to XXXX XXXX XXXX in XXXX Texas. Before I moved, I gave the proper 60-day notice to move. Before I moved, I did a complete walk thru with the property manager, on XX/XX/XXXX, which was a few days extra, I paid {$250.00} for the extra stay. XXXX XXXX XXXX received a rental verification from XXXX XXXX XXXX XXXX stating that I did not have any balance with them. Then in XX/XX/XXXX I was having a hard time getting a place to stay, even though I have stay in 3 apartments since. I was told by now apartment manager that I was in collections for money owed to XXXX XXXX XXXX XXXX, with Pro Collect and this was on my credit since XX/XX/XXXX, in the amount of {$340.00}. I never received my deposit back and never received any notice that there was a now balance after there was not with verification to my new apartments which at that time was XXXX XXXX XXXX in XX/XX/XXXX, XXXX XXXX XXXX XXXX had my new address and apartment number to be able to send me any correspondences about any newfound balance that they discovered error. However, I never received one letter no phone calls or emails. When Pro Collect took over, I never received any correspondences from them at all about any new founded balance. Less than one month of me moving into my new apartments XXXX XXXX XXXX is when Pro Collect was added to my credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | TX | 770XX | null | Consent provided | Web | 2020-03-04 | Closed with explanation | Yes | null | 3,549,591 |
2017-05-15 | Debt collection | Federal student loan debt | Communication tactics | You told them to stop contacting you, but they keep trying | XXXX XXXX , 2017 Me ssage left on machine looking for another person who was " listed on an application as a reference ''. Caller ID # XXXX XXXX , call back number stated XXXX | null | Navient Solutions, LLC. | VA | 22193 | null | Consent provided | Web | 2017-05-15 | Closed with explanation | Yes | null | 2,484,794 |
2020-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have disputed several inaccurate false accounts on my consumer report with Transunion all to no avail. They have failed to conduct any account investigations in an accurate and equitable in accordance with the FCRA. They have continued to ignore my request to have these false accounts deleted from my report. This information does not belong to me and they have failed to legally validate these false accounts they are furnishing on my reports.
XXXX XXXX XXXX.
Amount : {$14000.00}.
Date Opened : XX/XX/XXXX.
XXXX XXXX XXXX.
Amount : {$400.00}.
Date opened : XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77082 | null | Consent provided | Web | 2020-11-15 | Closed with explanation | Yes | null | 3,955,642 |
2019-05-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | TransUnion is reporting an un-authorized HARD INQUIRY to my credit report, I highly suggest you remove it ASAP.
On XX/XX/19, I called XXXX XXXX over the phone to switch phone plans. I was told I had to Submit a SOFT INQUIRY to verify my identity just as insurance companies do. Minutes later, I received a HARD INQUIRY alert on my credit monitoring app that's shows XXXX XXXX have placed a hard inquiry on my credit report. I asked to speak with a manager on duty and i was informed by the XXXX XXXX manager, the hard inquiry will only last on my credit report for less than 30 days than it will automatically be removed. I DEMAND THIS INQUIRY BE REMOVED ASAP! THIS IS NOT A DISPUTE TO VERIFY IDENTITY. I AM REQUESTING IT TO BE REMOVED DUE TO POOR EXPLANATION BY XXXX XXXX STAFF!
PLEASE REMOVE INQUIRY FROM XX/XX/19 FROM MY CREDIT REPORT! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | XXXXX | null | Consent provided | Web | 2019-05-03 | Closed with explanation | Yes | null | 3,231,045 |
2020-07-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72211 | null | Consent provided | Web | 2020-07-09 | Closed with explanation | Yes | null | 3,737,006 |
2020-05-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | i disputed a XXXX charge a while ago because as i said then i did not receive the items. I still have not. Yesterday i received a call message it was very hard to understand from a man in a heavy XXXX accent saying that something was being disputed i should respond in 24 hours. i did not hear who what or a phone number so today i checked all my accounts and on my buy power the transaction was rebilled for XXXX i did NOT receive the items. i will not pay for it. Capital one in a one size fits all way simply rebilled it to my account. and this is wrong. please reverse.
Since the pandemic people in this area have been reporting missing items they order perhaps there is a thief but i did not get the items and will not pay for them. I also had no opportunity to respond to the call since i could not make it out due to the accent and lack of clarity | null | CAPITAL ONE FINANCIAL CORPORATION | NJ | 085XX | null | Consent provided | Web | 2020-05-19 | Closed with explanation | Yes | null | 3,660,141 |
2023-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Ive contacted all three Credit Bureaus regarding XXXX XXXX XXXX XXXX Credit Card for {$15000.00}, now it been sold to XXXX and the Inquiry that are on my report is also not mine Trans Union is giving me the most issue with this and will not help me nor remove this Fraudulent Account After sending them a New Police Report and a Letter showing this is Fraud what they are doing is Illegal. Before all of this I tried to have this fixed with the Credit Union Directly letting them know & showing them Proof that I never opened this account Ive never had a Credit Card with with them what so ever nor had I lived at the address they had for me in Texas EVER, they also refused to give me copys of the Credit Application. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94588 | null | Consent provided | Web | 2023-07-06 | Closed with non-monetary relief | Yes | null | 7,216,217 |
2016-05-02 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left.
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again.
I never received anything from the collection company notifying me that I was going to collection. | Company believes it acted appropriately as authorized by contract or law | Stellar Recovery, Inc. | OR | 97526 | null | Consent provided | Web | 2016-05-02 | Closed with explanation | Yes | No | 1,904,895 |
2023-06-12 | Checking or savings account | Other banking product or service | Managing an account | Problem making or receiving payments | 1. ) The KEY bank does not allow ACH transfer to be set up with a competitive bank.
2. ) The KEY bank falsifies its interest payment when there are no interest payments made on the account.
3. ) The KEY bank holds back payments of bills for a long period of time and at the same time depletes the amounts from the account.
4. ) When questioned why bill pay was not executed for over 15 days ; it comes up with various excuses and delays due to postal services etc.
5. Then they cancel the payment and for that i have to wait for 10 more days to get my money back. A total of 25 to 30 days to get my money back from the time i paid a bill?
I BELIEVE THE KEY BANK IS DISCRIMINATING AGAIST A MONORITY AND SENIOR PERSON. IT ALLOWS ACH TRANSACTIONS SET UP WITH SOME BANKS AND NOT WITH OTHERS --? | null | KEYCORP | OH | 43616 | Older American | Consent provided | Web | 2023-06-12 | Closed with explanation | Yes | null | 7,105,001 |
2023-09-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30058 | null | Consent provided | Web | 2023-09-04 | Closed with explanation | Yes | null | 7,495,950 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I submitted a dispute to Equifax regarding the account for XXXX XXXX XXXX XXXX XXXX to update the debt to reflect XXXX balance or paid in full/closed as of XX/XX/XXXX. I submitted documentation to support the update request. I contacted Equifax on XX/XX/XXXX and after explaining the purpose of the dispute the CSR recommended, I submit the dispute to have the account updated quickly, it has been approximately 45 days and my Equifax dashboard is still reflecting the account balance as open/never late and displaying a balance of {$9200.00}. Again, the balance should reflect {$0.00} paid/never late. Equifax stated they would contact the creditor, XXXX XXXX XXXX XXXX XXXX, to verify the account status/balance. I also forwarded the supporting documentation that states the account is paid in full and closed via mail to Equifax on XX/XX/XXXX. I requested this account to be updated since I provided supporting documentation, specifically. Again, this is a lack of attention to detail on behalf of Equifax. If Equifax contacted the creditor XXXX XXXX XXXX XXXX XXXX, they would have confirmed that the information I provided along with the supporting document is sufficient for accurately updating the account. Each time I request the information to be updated correctly, it requires a new dispute which causes further delay. | null | EQUIFAX, INC. | MD | 20708 | null | Consent provided | Web | 2023-06-07 | Closed with non-monetary relief | Yes | null | 7,084,370 |
2018-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I sent letters with multiple request to have credit inquiries removed that I did not recognize from my credit reports. XXXX removed the inquires, XXXX and Experian refuses to remove the inquiries. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28269 | null | Consent provided | Web | 2018-08-23 | Closed with non-monetary relief | Yes | null | 2,999,450 |
2021-01-26 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | in XXXX of 2020 i started a dispute for the charge from XXXX XXXX. since then, i have never gotten any contact status update from discover throughout the investigation. it was always up to me to call to find out what the next step was and what was expected of me, otherwise i wouldn't hear anything. I had to do this in XXXX, XXXX and XXXX of 2020. I thought the dispute was judged in my favor after talking with discover corporate office until i went over my bank records and saw that i wasn't. the last time i reopened the case was in XX/XX/2020 for the amount of {$450.00}, still have not heard anything back about that and i wont contact them again.
i truly think discover has mishandled the investigation and haven't done much to help get it resolved. i have supplied evidence, including pictures and statements that the merchant was caught lying and they still side with the company. | null | DISCOVER BANK | PA | 184XX | null | Consent provided | Web | 2021-01-26 | Closed with explanation | Yes | null | 4,093,446 |
2023-02-08 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | I am writing you this statement to delete the following information on my credit report. The items I need deleted are listed in the report. I am a victim of identity thief, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and have attached the federal trade commission affidavit. Now that I have given you the following information, please correct my report or I shall proceed with involving my attorney! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19702 | null | Consent provided | Web | 2023-02-08 | Closed with non-monetary relief | Yes | null | 6,546,006 |
2022-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Did not authorize Credit Pull. Please remove. | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30518 | null | Consent provided | Web | 2022-11-03 | Closed with explanation | Yes | null | 6,105,264 |
2022-09-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several times I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; Bankruptcy XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30132 | null | Consent provided | Web | 2022-09-12 | Closed with non-monetary relief | Yes | null | 5,974,050 |
2022-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | CA | 93727 | null | Consent provided | Web | 2022-12-16 | Closed with non-monetary relief | Yes | null | 6,323,218 |
2019-10-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have disputed a reporting issue with a debt collector XXXX XXXX XXXX. They bought a debt from XXXX that they are reporting as a real estate mortgage secured loan. The loan reporting was a personal loan. Our house was foreclosed in XX/XX/XXXX they bought the debt in XX/XX/XXXX and havent updated the file on Experian since XX/XX/XXXX. The Lien on the house was released in XX/XX/XXXX and they bought an unsecured debt in XX/XX/XXXX. They are reporting late payments for almost 3 years and have never contacted us and the required 5 day period after they bought the unsecured debt they did not notify us. I hired an attorney and I will attach the letter sent to XXXX XXXX XXXX. I have also notified Experian several times to no avail. They will only let XXXX XXXX XXXX change the reporting. I have never entered or had an ( XX/XX/XXXX as they did not do as they said they would and erase the erroneous info ) agreement with XXXX XXXX XXXX and have asked them to remove this erroneous account to deaf ears. They claim it is a mortgage and an installment loan and it is clearly not. I have sent the documentation including all deeds and XXXX XXXX County deed and sale records. XXXX XXXX XXXX is not listed. They are reporting this as a payment loan when it is simply a collection that they are illegally reporting as a mortgage.
I am asking to have this account removed and placed as a collection. I entered a temporary payment agreement with them and promised by XXXX XXXX that they would erase the erroneous reporting and nothing was done. They actually updated the account to current and made our situation worse. Please delete this illegal account Ty | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 231XX | Servicemember | Consent provided | Web | 2019-10-15 | Closed with explanation | Yes | null | 3,406,242 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63137 | null | Consent provided | Web | 2022-09-08 | Closed with non-monetary relief | Yes | null | 5,961,265 |
2020-08-13 | 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 did not make the charges. | null | EQUIFAX, INC. | PA | 191XX | null | Consent provided | Web | 2020-08-13 | Closed with explanation | Yes | null | 3,793,899 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33183 | null | Consent provided | Web | 2023-05-09 | Closed with non-monetary relief | Yes | null | 6,951,153 |
2021-11-12 | Checking or savings account | Checking account | Closing an account | Company closed your account | We were told we had to open a checking account with US bank when we refinanced our house with them. The checking account was opened and was not used. When we got the HELOC with them in XXXX ( 6 months after account opening ), we were told that we had to us the checking account for a direct debit. We left enough money in the account just to cover the debit.
In XX/XX/XXXX, we went through another refinance and paid off the HELOC with US Bank ( $ XXXX ), AND we paid off a $ XXXX credit card that we had with them. We were told that since the bank account ( in branch ) was attached to the HELOC that it would be closed at the same time.
Fast forward to XX/XX/XXXX, I find out that our account was closed, charged off and being reported to check systems for a unpaid balance of {$200.00}.
I called on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX to get answers and see what happened. That is where the XXXX started.
First, I would not have paid off over $ XXXX in debt to US bank to leave a charge off balance of {$290.00}. it makes no sense. I tried to tell US bank this, and all representatives agreed.
Then, I found out that they charged me another payment AFTER the payoff was made ( they made an error in calculating the payoff ) and charged me fees for two months until the account was closed- hence the balance.
I submitted a complaint, the only thing they did was send me my bank statements.
I appealed the complaint, again, no resolution.
I called and tried to make a payment on the account, only to find the account has several issues.
1. The account was coded wrong as a " litigation '', when in fact i got to that department, they said it was not with them. The account was not housed anywhere to even pay and no representatives would help. I was sent to 6 different departments on XX/XX/XXXX alone.
I called Recoveries, Account services, Litigation, customer service, and collections.
I called 3 levels of managers and left a total of 7 voicemails for XXXX, XXXX, and XXXX. No return calls.
2. When I got the social media team involved, XXXX also called with me to recoveries to try to make the payment.
Not only is the account coded wrong, my NAME ( XXXX XXXX ) was not even on the account- only my social. So she could not even make a payment!
4 times we called trying to make payments and not a single person could take a payment because the account was not set up properly and had some issues associated with it.
This information was submitted back through the social media team to corporate, who did not even address this.
Issues : 1. The account I am being penalized for is not even set up correctly with correct information. My name is not on the account and it is coded improperly.
2. I am being penalized for an account I can not even make a payment on. This has been going on since XX/XX/XXXX.
3. I am not getting return calls from the Bank, its managers or anyone who promises to " fix '' this issue. The continue to drag me through a process of appeals, when in fact, I can not even pay. This should have already been resolved and cancelled.
4. In addition to the fact I can not even pay the balance, this account should have been CLOSED at the time of the HELOC being closed.
5. This account does not even have my data correct in it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 945XX | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,905,182 |
2017-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I do NOT have a signed contract nor any contract with XXXX, XXXX XXXX, or XXXX XXXX. I have never done business with these companies. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and XXXX aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 302XX | null | Consent provided | Web | 2017-10-24 | Closed with explanation | Yes | null | 2,710,318 |
2017-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I have sent via mail, fax, site upload the required documents to block a fraudulent account on all my credit reports and neither bureau will follow rules and remove the information. This is a serious matter that needs attention immediately. | null | EQUIFAX, INC. | MS | 39503 | null | Consent provided | Web | 2017-06-19 | Closed with explanation | Yes | null | 2,552,600 |
2022-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX 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 an account without my written instructions | null | EQUIFAX, INC. | FL | 32303 | null | Consent provided | Web | 2022-04-18 | Closed with explanation | Yes | null | 5,464,096 |
2017-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XXXX XXXX, 2017, Experian experienced a security breach and according to their reports, I was a victim of this breach. I 've had to add credit freezes to my account at each of the 3 major credit reporters ( Experian, XXXX, and XXXX ) because of this breach. My state requires that I have to pay a {$10.00} fee to each to of these companies, so I 'm paying good money and will have to deal with these freezes in the future because of Experian 's neglect. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53154 | null | Consent provided | Web | 2017-09-09 | Closed with explanation | Yes | null | 2,660,240 |
2018-12-29 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SUNTRUST BANKS, INC. | FL | 33578 | null | Consent provided | Web | 2018-12-29 | Closed with monetary relief | Yes | null | 3,112,612 |
2021-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29209 | null | Consent provided | Web | 2021-03-10 | Closed with explanation | Yes | null | 4,197,819 |
2017-01-30 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | No knowledge of this debt. | Company believes it acted appropriately as authorized by contract or law | ERC | LA | 70043 | null | Consent provided | Web | 2017-02-02 | Closed | Yes | No | 2,316,485 |
2018-07-26 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved. | null | AMERICAN EXPRESS COMPANY | CA | 94544 | Servicemember | Consent provided | Web | 2018-07-26 | Closed with non-monetary relief | Yes | null | 2,972,972 |
2019-09-18 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | Midland Credit has called multiple times without leaving a message regarding debt they are not authorized to collect. | null | ENCORE CAPITAL GROUP INC. | CA | 91103 | null | Consent provided | Web | 2019-09-18 | Closed with non-monetary relief | Yes | null | 3,378,596 |
2020-10-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On the Experian for sure. The correct PAYMENT HISTORY is not reporting correctly for my XXXX Card # XXXX. It's showing only 2 months when it should show 5 plus years ... Please correct history ASAP! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 31906 | Servicemember | Consent provided | Web | 2020-10-19 | Closed with explanation | Yes | null | 3,907,208 |
2021-06-08 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Wells Fargo did not issue me a provisional credit at the time of filing unauthorized transaction claims even though it was required by law. Wells Fargo also is not recovering my money that was stolen out of my checking account. I hate how Wells Fargo is taking advantage of me like this. They are not doing their job to protect their customers. This is the last time I will be filing my complaint on CFBP. If I don't get my money back, I will be talking to press and escalate this further. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 75006 | null | Consent provided | Web | 2021-06-08 | Closed with explanation | Yes | null | 4,441,647 |
2022-12-30 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt is not yours | I received a letter on XX/XX/2022 to pay a collection from Constar Financial, in the amount of XXXX. I didn't recognize the debt so I sent a letter of validation letter on XX/XX/2022 via certified mail. I received validation of debt letter back from Constar on XX/XX/2022 saying that I personally owe them money for a vehicle that is in a business entity, the sales contract with the dealership doesn't have my name on any of the paperwork as this being personally guaranteed by me or that I was listed as a co buyer of this vehicle. This vehicle was purchased in the name of the company using the companies credit. | null | Constar Financial Services, LLC | CA | 93292 | null | Consent provided | Web | 2022-12-30 | Closed with explanation | Yes | null | 6,380,247 |
2017-09-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | This debt is not mine, I never lived in the state or the address that the account was opened. The debt is for {$400.00} and I have contacted the CBE GROUP and has not received a response to my complaint. | null | The CBE Group, Inc. | MS | 38671 | null | Consent provided | Web | 2017-09-18 | Closed with explanation | Yes | null | 2,676,802 |
2023-03-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | 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 XXXXXXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF XXXX / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, DEPT OF ED / XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 62702 | null | Consent provided | Web | 2023-03-02 | Closed with explanation | Yes | null | 6,638,677 |
2022-08-16 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit. | null | DISCOVER BANK | PA | 19124 | null | Consent provided | Web | 2022-08-16 | Closed with explanation | Yes | null | 5,886,498 |
2020-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I initially disputed these accounts with all 3 credit bureaus on XX/XX/2020. XXXX is the only credit bureau that removed the fradulent accounts. I am very confused on why XXXX and Equifax didn't remove the accounts when they all verify with the same creditors. It has also been over 60 days and the credit bureaus have not completed an investigation. I was always under the impression that the credit bureaus have 30 days to complete an investigation. According to 611 ( a ) if the credit bureaus do not complete a proper investigation within 30 days then the accounts should be automatic deletion. This definitely applies to my case. I am also a victim of the Equifax data preach and my information could've definetly been placed in the wrong hands. | null | EQUIFAX, INC. | TX | 78109 | null | Consent provided | Web | 2020-12-14 | Closed with explanation | Yes | null | 4,011,296 |
2018-04-30 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | Please look into illegal activity by the XXXX XXXX XXXX as well as Bank of America for infringing on our Natural and God-given rights to own, purchase, and bear Arms. Our Second Amendment is non-negotiable to any entity headquartered within the continental US of A. This should be a crime of treason against the Constitution and should be punishable by maximum fines and prison sentences for the Upper Executives. Please arrest these treasonous people and get them on trial for treason. I have wrote the President about these matters and someone should look into dissolving these banks as soon as possible, please. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91605 | Servicemember | Consent provided | Web | 2018-04-30 | Closed with explanation | Yes | null | 2,892,274 |
2023-04-16 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Overcharged for something you did purchase with the card | All my credit cards have been secured credit cards. XXXX XXXX refused to investigate the charges and the unwarented credit limit increase while account was still secured. All they could say was I'm trying to help you but nothing was resolved. I had to pay off the balance which was doubled and close account.
With XXXX the same thing happened and I closed account and my money was taken. On the credit agencies they stated account paid XXXX. But I was still paying XXXX which the had wrong.
Wells Fargo kept increasing the credit limit on every know federal holiday but XXXX increments for one year. I was being told they would investigate but never a call back I had to keep calling the customer service number to leave numerous messages. I also have many phone problems like hot phone battery, power off drop calls and had to purchase thru my phone insurance new phones. Unless they where rigged phones I had no idea who or how my phone was hacked. I went many times in person to a local Wells Fargo branch and they refused to help and forced me out of branch with business card and phone number to call. I have a collection agency trying to collect this money XXXX which they refused to respond to my calls email fax mailed correspondence. I paid XXXX to pay my true balance and they sent me a statement with errors on amount. I submitted money orders from the bank with notarized letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 10009 | null | Consent provided | Web | 2023-04-16 | Closed with explanation | Yes | null | 6,847,851 |
2023-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company believes complaint is the result of an isolated error | EQUIFAX, INC. | FL | 33461 | null | Consent provided | Web | 2023-03-31 | Closed with explanation | Yes | null | 6,777,534 |
2023-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30038 | null | Consent provided | Web | 2023-08-21 | Closed with explanation | Yes | null | 7,435,794 |