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2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 94578 | null | Consent provided | Web | 2023-01-11 | Closed with non-monetary relief | Yes | null | 6,419,704 |
2022-06-15 | 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 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 also states a consumer reporting agency can not furnish an account without my written instructions | null | EQUIFAX, INC. | TX | 76013 | null | Consent provided | Web | 2022-06-15 | Closed with explanation | Yes | null | 5,675,399 |
2023-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I sent letters to Experian, XXXX XXXX XXXX XXXX and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process.
According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors.
I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed.
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports.
Since no response was received all accounts should be deleted Immediately.
Accounts that need to be investigated and deleted promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize.
Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 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 1681 ( b ) Permissible purposes of consumer reports.
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.
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.
If any of the purposes are not present please investigate and delete 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. | GA | 31210 | null | Consent provided | Web | 2023-03-30 | Closed with non-monetary relief | Yes | null | 6,773,208 |
2020-12-01 | Checking or savings account | Checking account | Managing an account | Banking errors | On XX/XX/XXXX I tried to make a transfer deposit of {$430.00} from my Chime checking account ( XXXX XXXX ) to my XXXX bank account online. I had just received {$430.00} ( confirmed credited to my account ) in the form of a direct deposit from my employer earlier on the same date.
XXXX XXXX rejected this deposit on XX/XX/XXXX and stated insufficient funds were the reason. Per XXXX, the deposit was returned unpaid to Chime and debited from my XXXX account. My balance in my Chime account was enough to cover such a deposit, however.
After speaking to Chime several times I spoke with XXXX, a manager in the claims department, who told me that I would have to fill out a claim form for the money and then submit it to another department. He assured me that he would email me the proper form ( s ). I have yet to receive anything from him or the department. My last call to them yesterday XXXX XX/XX/XXXX ) ended with a customer service representative hanging up on me while I was complaining about my situation. Earlier yesterday Chime had sent me an email stating that there was no reason for them to credit my account with the {$430.00} from the failed transfer. | null | Chime Financial Inc | VA | 240XX | null | Consent provided | Web | 2020-12-01 | Closed with explanation | Yes | null | 3,985,281 |
2018-06-08 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | The closing statement of XX/XX/XXXX there was a XXXX limit on my credit limit. Then on XX/XX/XXXX i check my balance and the limit went down. Call in and spoke with a supervisor XXXX XXXX he said that he dont know why this has happen. Then he said its because the credit bureau told them to drop his credit from XXXX to XXXX. First of all we didnt give them permission to access his credit repoert. So for 3 years we had a limit of XXXX now as of XX/XX/XXXX limit XXXX. What we have going on his credit dont have any thing to do with his credit. We already have a established credit and we pay on time for 3 years now.We want our credit back this isnt fair.Is this how they do they loyal customer | null | Bread Financial Holdings, Inc. | TX | 77489 | null | Consent provided | Web | 2018-06-08 | Closed with explanation | Yes | null | 2,930,077 |
2019-05-30 | 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 | There is a paid collection listed on my report from Equifax with XXXX XXXX as the original creditor for {$140.00}. I never sent the payment to the collection agency ( XXXX XXXX XXXX ), I paid XXXX XXXX. XXXX XXXX sent me a letter stating that the account was pulled back from the collection agency by them and that the collection agency can no longer report it. I sent proof of the payment and the letter to Equifax, along with the other two bureaus in the form of a dispute letter. XXXX and XXXX deleted the account. Equifax did not.
The FCRA states that information reported must be accurate and complete ; updated and verifiable. It also provides a dispute mechanism initiated by the consumer through the consumer reporting agency and through the furnisher of information.
As detailed above, I have disputed the information for the referenced account, with both XXXX XXXX XXXX and Equifax directly. I have exhausted all recourses provided for resolution of erroneous information and still the information remains on my Equifax consumer report. The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violations of its provisions.
It is evident that the information reported can not be verifed because the payment was not made to XXXX XXXX XXXX, and therefore must be deleted as required. | null | EQUIFAX, INC. | LA | 71270 | null | Consent provided | Web | 2019-05-30 | Closed with explanation | Yes | null | 3,258,611 |
2022-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75243 | null | Consent provided | Web | 2022-04-28 | Closed with non-monetary relief | Yes | null | 5,514,614 |
2022-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XX/XX/2022, I received an alert of a hard inquiry pull on my credit report from Keystone Equipment Finance Corp . I called the company number, and I spoke to their XXXX XXXX, XXXX XXXX, who notified me that my ex-husband reached out to them asking if he can apply for financing for a truck for his logistics business. Previously, when we were married, my ex-husband financed a truck through the company and used me as a guarantor. He has since paid that truck off. General counsel explained to me that since the company had his previous application on file, they could expedite the financing process. The company nor my my ex-husband asked for my consent to be a guarantor again and ran my credit without my permission. Our divorce has been finalized since XX/XX/2022, so there should have been no reason for my name to be on this new application. Additionally, XXXX XXXX also informed me that my ex-husband forged my signature on the new application. I am requesting an investigation into this matter and the removal of this hard inquiry from my credit report. XXXX told me that he removed me as a guarantor on the new application and made a note in the file. I have also asked him several times for a copy of the application with my forged signature, which I have yet to receive. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | KEYSTONE EQUIPMENT FINANCE CORP. | GA | 30331 | null | Consent provided | Web | 2022-10-01 | Closed with explanation | Yes | null | 6,038,736 |
2019-03-07 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | This is now my second complaint about this same matter, as complaint XXXX received a response from the debt collector and they admit to violating my rights under the FCRA and FDCPA.
As I mentioned in my previous complaint, I was advised by my attorney to send a " Dispute/Validation '' Letter to them to validate the debt under the FDCPA and FCRA. I have attached the letter with my complaint. I mailed it " Certified Mail '' so that I would be able to verify that they received it. I have also attached a copy of the " Certified Mail Receipt '' so that you can see the tracking of this letter. You will notice that this was delivered on XX/XX/2019. Even though the delivery confirmation clearly shows that they received my letter, the debt collector did not send me validation, and instead chose to violate my rights under the FDCPA by the following : This debt collector has broken laws under the Fair Credit Reporting Act and did not address it at all in their response. Not only did they NEVER attempt to send me validation until I finally had to complain to the CFPB, but under the FDCPA Section 807 ( 8 ) they are in violation ( {$1000.00} fine ) as they did NOT notify the credit bureaus that these accounts were disputed. I pulled a credit report on XX/XX/2019 ( over a month since they received my validation letter ) and there are absolutely no notes from the creditor showing that these accounts were under dispute. I've attached that report to this complaint showing the dates, and the notes on the collection account.
In fact, the debt collector admitted in their response to the other complaint that they didn't even submit the accounts to the credit bureaus until 23 days AFTER they received my dispute/validation request, thus violating my rights under the FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, This also carries a {$1000.00} fine. They did not validate the debt yet continued to pursue collection activity by reporting it to the bureaus, and continued to report to the credit bureaus. While I have the right to take them to court for violating these 2 laws, all I ask if for them to do what they should have done in the first place and cease all collection activity and remove these accounts from my credit reports, as demanded by law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | The Outsource Group, Inc | CO | 80233 | null | Consent provided | Web | 2019-03-07 | Closed with explanation | Yes | null | 3,172,818 |
2021-06-25 | 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. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 936XX | null | Consent provided | Web | 2021-07-19 | Closed with non-monetary relief | Yes | null | 4,491,468 |
2021-04-15 | 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 | Dear Credit Bureau to whom May Concern I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. All Hard Inquiries .. My social Was stolen back in XXXX And a lot of inquiries I have was not made by me I repeat Not done by me. I would like a fair investigation To get all hard inquiries remove or I would Follow this letter up with Cfpb Sincerely 1. ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX ( XXXX XXXX, XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX cards ) 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. | PA | 171XX | null | Consent provided | Web | 2021-04-15 | Closed with explanation | Yes | null | 4,299,449 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n 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 XXXX, XXXX # XXXX, XXXX XXXX, U S DEPT OF ED/XXXX XXXX XXXXXXXX AND XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt | null | EQUIFAX, INC. | IL | 60651 | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,605,756 |
2020-08-31 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | In Early XX/XX/2020 Simons Agency placed a collection account on my XXXX report. ( Exhibit A ) Simons agency is claiming I owed {$170.00}. I never received documentation Or calls from Simons agency validating this debt and was provided no information on services rendered. They are in violation of the the FCRA. On XX/XX/XXXX after speaking with the collection agency, I called XXXX XXXX XXXX and they said I had a balance of {$190.00} which I promptly paid to them. ( Exhibit B ). I never paid anything to Simons Agency. There also appears to be a discrepancy between what XXXX claims I owe and what Simons agency reported. | null | Simon's Agency, Inc. | NV | 89131 | Servicemember | Consent provided | Web | 2020-09-09 | Closed with explanation | Yes | null | 3,823,101 |
2020-02-09 | 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 submitted a request through the LexisNexis website to receive a complete and total copy of my consumer report. I received a letter dated XX/XX/2019 with a link and a PIN code and instructed to use these in order to obtain my report. The PIN code never worked so I contacted LexisNexis via telephone. The representative who answered my call said they would email me a new PIN code. The email never came. I called again and was told the same thing again and the PIN code never came again. I checked ALL folders of my email. I still want a COMPLETE and TOTAL consumer report of any information LexisNexis has to me but I want it printed out and mailed to me at my address as indicated in this complaint. No more PIN codes that do not work. | null | LEXISNEXIS | NY | 13069 | null | Consent provided | Web | 2020-02-09 | Closed with explanation | Yes | null | 3,525,733 |
2023-07-12 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On XX/XX/ I made XXXX debit transactions and accessed my Found Banking app to check my balance. My account was then frozen for unusual activity. The debit charges were for {$43.00} and {$10.00}. I have routinely used this account in this manner.
The application wants me to verify my identity and I can not get the app to work with my device.
This is my business account and I do not have access to my funds despite sending the requested documents as attachments to the representative via email.
It takes hours to days to get a response and they had no one to assist me over the weekend. At this time they are refusing me access to my account thus freezing the commerce of my small business.
I can forward the email thread at your direction to give you a clear understanding of the conversation, dates and times. | Company believes it acted appropriately as authorized by contract or law | Indie Technology DBA Found | TX | 760XX | null | Consent provided | Web | 2023-08-11 | Closed with explanation | Yes | null | 7,242,782 |
2018-12-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am a victim of identity theft and there is a public record that got reported on my consumer credit report with experian, transunion that shows filed XX/XX/2013 with US Bankruptcy Court as chapter XXXX. I have contacted these bureaus and was told I need to file a Federal Trade Commission report and police report so they can block this off. I have also notified them of the fraudulent addresses used. It has been over 6 months now one supervisor told me it only takes up to 4 days and it will be removed and it still reports. I have been calling over and over sending letters and all i get is you need to file it again. This is my last step I am taking then I am going to file a lawsuit against these companies in how they treat victims of identity theft. This has caused my good standing credit card accounts to shut down and has ruined my credit rating. I spoke today again with specialized handling senior supervisor named XXXX that again told me that there is nothing he can do at the moment without any explanation and hang up on me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91601 | null | Consent provided | Web | 2018-12-11 | Closed with non-monetary relief | Yes | null | 3,097,575 |
2022-10-06 | 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 | VIOLATIONS & AMOUNT PER VIOLATION ADVANCED RESOLUTION SERVICES, INC have been reporting this bankruptcy on my credit report from XX/XX/XXXX to the current date as of this complaint XX/XX/XXXX which is 3 years and 4 months ( 40 months x $ XXXX each month = {$40000.00} ).
15 USC 1684n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Being that ADVANCED RESOLUTION SERVICES, INC is a corporation ( See Exhibit D ), they obtained my consumer report under false pretenses or knowingly without a permissible purpose. ( {$1000.00} ) 15 USC 1684n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
After contacting ADVANCED RESOLUTION SERVICES, INC and informing this company that they are reporting an unverifiable bankruptcy ( public record ) on my credit report and after sending them the 2nd notice ( Exhibit B ) with a copy of the Courthouse letter stating that the courthouse does not report to any consumer reporting agencies, ADVANCED RESOLUTION SERVICES, INC willfully and negligently kept reporting this bankruptcy on my credit report. The continuance of reporting this bankruptcy on my credit report is a direct violation of the following federal law.
15 USC 1681o- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I did not give written permission to ADVANCED RESOLUTION SERVICES, INC to report this bankruptcy ( public record ) on my credit report. Therefore, ADVANCED RESOLUTION SERVICES, INC did not have a permissible purpose to report this bankruptcy on my credit report. ( {$1000.00} violation/month = 40 months ) 15 USC 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
By reporting this bankruptcy on my credit report, ADVANCED RESOLUTION SERVICES , INC has violated my privacy rights. The reporting of this bankruptcy has caused defamation of my character, my mode of living because I have been very stressed out from the numerous denials needed to take care of my family, and my ability to obtain credit for my everyday household needs and causing me to having to settle with credit that subjects me to high interest rates and resort to payday loans and cash advances which subjected me to predatory lending. ( {$1000.00} violation ) 15 USC 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
ADVANCED RESOLUTION SERVICES , INC failed to report verifiable and accurate information on my credit report for each of the accounts dealing with the bankruptcy and the liens being reported. ( 6 accounts total ) ( {$1000.00} per violation for each month of reporting inaccurate and unverifiable information = {$40000.00} ) 15 USC 1681e - Accuracy of Report - ( b ) Accuracy of report- Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Thus resulting in knowingly transferring, possessing, and using without lawful authority a means of identification of me, ADVANCED RESOLUTION SERVICES, INC committing identity theft. There is no public record and ADVANCED RESOLUTION SERVICES, INC can not furnish this information because I did not give them permission to report the bankruptcy/public record to my credit report.
18 USC 1028A - Aggravated identity theft ( a ) Offenses. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
I have attached a copy of my state issued drivers license for verification of identity. | null | Advanced Resolution Services Inc. | MS | 39532 | null | Consent provided | Web | 2022-10-06 | Closed with explanation | Yes | null | 6,058,145 |
2023-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. | null | Nelnet, Inc. | SC | 29210 | Servicemember | Consent provided | Web | 2023-05-15 | Closed with explanation | Yes | null | 6,975,378 |
2022-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help. | null | EQUIFAX, INC. | IL | 60643 | null | Consent provided | Web | 2022-09-29 | Closed with explanation | Yes | null | 6,031,382 |
2020-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent a certified letter asking them so sent me a Method of Verification for my bankruptcy and if they couldn't please remove from my report and they said it was verified through XXXX who sent me a letter stating the Experian or XXXX never responded to their request. XXXX, Experian nor XXXX has sent me the Method of verifying this information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60609 | null | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,597,893 |
2020-11-24 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 010XX | null | Consent provided | Web | 2020-11-24 | Closed with explanation | Yes | null | 3,972,593 |
2020-10-02 | 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 | Not only this is taken more than 60 days to respond, but their investigation even prior to this didn't resolve my concerns. How are you doing? I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 02302 | null | Consent provided | Web | 2020-10-02 | Closed with explanation | Yes | null | 3,878,936 |
2022-05-05 | 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. I have sent numerous letters certified mail to the credit bureaus XXXX, XXXX was the latest attempt to remove these fraudulent accounts. Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted after an improper investigation that they conducted. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.
I have never lived at the address that are on my credit report and I have sent the credit bureau several letters with proof. I have always lived at XXXX XXXX XXXX XXXX XXXX, Tx XXXX, never at any other address on my credit report. I have attached a copy of my Bill for proof once again. I dont know why the credit bureau is so consistent with causing harm to my person and financial obligations by reporting information and accounts that do not belong to me even after there were sent the Federal Police Report of proof of my identity theft. | null | EQUIFAX, INC. | TX | 773XX | Servicemember | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,548,152 |
2023-09-16 | 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 | I was trying to purchase a home and noticed damages on my report which is a deformation to my character according to the 15 U.S.C 1681 there should not be any damages on my report. 15 U.S.C 1681 section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written consent. Sent letters XX/XX/2023 and XX/XX/2023. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78258 | Servicemember | Consent provided | Web | 2023-09-16 | Closed with non-monetary relief | Yes | null | 7,558,636 |
2023-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78660 | null | Consent provided | Web | 2023-07-17 | Closed with non-monetary relief | Yes | null | 7,262,918 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the following accounts from my file.
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 31907 | null | Consent provided | Web | 2023-05-01 | Closed with non-monetary relief | Yes | null | 6,909,909 |
2023-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XXXX, I discovered inaccuracies on my credit report provided by Equifax. The report listed several accounts that I never authorized and was unfamiliar with. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies such as Equifax have an obligation to provide accurate information and conduct thorough investigations when discrepancies are pointed out.
Upon finding these inaccuracies, I promptly filed a complaint via the CFPB XXXX XXXX, demanding that Equifax investigate these accounts and provide proof of their veracity. In the same complaint, I cited 15 USC 1681-2, which explicitly states that an entity should not furnish inaccurate information to a consumer reporting agency. My intention was to resolve these inaccuracies swiftly, as they were affecting my credit score and could potentially lead to more significant financial issues.
The disputed accounts included multiple XXXX XXXX accounts ( with duplicate amounts ), a SABLE/CCB account and a XXXX XXXX XXXX account, amounting to tens of thousands of dollars.
Equifax responded to my complaint by deleting two accounts from my credit file, which I appreciate. However, the remaining accounts were not addressed adequately. Equifax merely stated that these accounts have been " verified '' without providing any substantial evidence. Furthermore, they did not answer my question regarding their adherence to 15 USC 1681-2, leading me to believe that my rights under consumer law may have been violated.
As of today, Equifax has yet to show any proof from the debt collectors that verifies these disputed accounts. Neither have they shown any steps they took to ensure the accuracy of the information provided by these debt collectors. I find this lack of transparency concerning, especially given the potential impact on my credit score and financial stability.
I have reiterated my demands for these unauthorized accounts to be deleted from my credit file and for Equifax to provide clear, documented evidence for their verification. I also stated that if they fail to comply, I would seek legal recourse, including a small claims action against Equifax, for multiple violations including defamation of character, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act.
I now anxiously await a satisfactory response within 5 days, including a revised and accurate credit report. Furthermore, I have also provided a legible and valid proof of my current address, which was previously deemed illegible by Equifax.
Equifax 's improper use of my consumer report has caused significant distress and financial inconvenience. The Fair Credit Reporting Act was designed to protect consumers like me, and I expect Equifax to uphold its obligations under this law. | null | EQUIFAX, INC. | LA | 70068 | Servicemember | Consent provided | Web | 2023-07-06 | Closed with explanation | Yes | null | 7,207,585 |
2021-01-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/XX/2019, a fraudulent withdrawal was made from my bank account through paypal. I immediately contacted Paypal and notified the company that this was fraud. I asked that they ( 1 ) return the fraudulently taken funds, ( 2 ) change my account from XXXX back to XXXX ( the hackers changed the language ), and ( 3 ) close my account. Paypal debited my bank account the {$1000.00} that was stolen. However, the company placed on my account a negative {$1000.00} charge. I repeatedly attempted to contact paypal and speak to a customer service representative, but could never speak to an actual person. I also attempted to send the company emails. No action was taken to help me. As far as I know, my account is still in XXXX and has not been cancelled.
Now I am informed that Paypal has sent me to collections so that it can recover the {$1000.00} that appears negative on my account, although this was an action taken by Paypal in response to fraudulent charges that appeared on my account in XX/XX/2019. I have not been able to speak to a single person since this ordeal started months ago. And I should not be required to send money to Paypal that I do not owe. I also can not login to my account to contact the company that way. They have been imposible to communicate with and now they have sent me to collections because of the response they took to fraudulent activity on my account. | null | Paypal Holdings, Inc | CA | 95350 | null | Consent provided | Web | 2021-01-18 | Closed with non-monetary relief | Yes | null | 4,075,641 |
2023-07-24 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | hello ordered an XXXX ring returned it 5 days after receiving it was going to use Affirm to pay for it they got reimbursed for the loan 3 weeks after i ordered it but day they didnt get enough says loan was for {$330.00} but XXXX gave them {$310.00} want me to pay the difference the ring price was {$290.00} with tax it was {$310.00} Affirm says its not interest but wont tell me WHY i should pay them {$18.00} returned ring 10 days after receipt they were paid by XXXX im not paying this extra charge if they do this to all customers they are taking LOTS of money off people for no reason! i DONT WANT tjis affecting my credit report and i DONT want them adding late payments ive tried to work this out they insist i give them {$18.00}! | null | Affirm Holdings, Inc | CT | 062XX | Older American | Consent provided | Web | 2023-07-24 | Closed with explanation | Yes | null | 7,297,075 |
2023-03-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 631XX | null | Consent provided | Web | 2023-03-03 | Closed with non-monetary relief | Yes | null | 6,644,839 |
2020-02-05 | Debt collection | Medical debt | Written notification about debt | Notification didn't disclose it was an attempt to collect a debt | On XX/XX/2020 I found out from the SCDOR that about {$500.00} was seized from my taxes for medical debt. I did not receive any notification written or verbal that my medical debt was sold to this company. The employee over the phone told me that they had my address wrong, and that my phone blocks Robo Calls ( which is a service I very recently activated ). I was never made aware of this company, or that any money was owed to them and it should not have been taken from my tax return with any knowledge. Ive been making multiple monthly payments on my medical bills, and did not have any notification of a portion going to this company. | null | Global Financial Services Group | SC | 29169 | null | Consent provided | Web | 2020-02-05 | Closed with explanation | Yes | null | 3,521,443 |
2023-06-05 | 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 | Company has reported XXXX XXXX on my credit. This was previously disputed in 2020 under a different company name XXXX XXXX XXXX. I sent in documentation at that time showing that the account was not mine and it was removed from my Credit account. XXXX XXXX is a different company but same amount ( XXXX XXXX XXXX XXXX ). I have shown documents showing deletion in 2020 under XXXX XXXX XXXX however, company is still reporting. As I have shown before ( 3 years ago ), although the company name has changed, the account was and is not mine and I am wishing to have it deleted 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. | CA | 91364 | null | Consent provided | Web | 2023-06-05 | Closed with explanation | Yes | null | 7,075,104 |
2023-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am filing this dispute against TRANSUNION for unfair and inaccurate credit reporting for an unvalidated XXXX XXXX XXXX Credit Card Charge Off/Other Derogatory account with a balance of {$4200.00}. I have made several attempts to resolve the matter with All In XXXX and TRANSUNION. I have disputed this account without any action which is a violation of The Fair Credit Reporting Act. Charge Off definition based on XXXX : A charge-off is an entry on your credit report that indicates a creditor, after trying and failing to get you to make good on a debt, has given up hope of getting payment and closed your account. Per the comments reflecting on my credit report : Unpaid balance reported as a loss by credit grantor. I requested a 1099 from XXXX XXXXXXXX XXXX by certified mail and did not receive a response. I am disputing inaccurate and incorrect information on the account. The account is reporting as Charge Off but does not have any payment history reporting to support delinquency on credit report therefore payments made on time, late payments, and C/O status is unknown and can not be reported as Charged off as bad debt. This is inaccurate information and I demand the charge off to be deleted immediately from my credit report. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. They need to be held of violation of the consumer 's law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 36507 | null | Consent provided | Web | 2023-07-20 | Closed with non-monetary relief | Yes | null | 7,278,916 |
2023-01-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am a confused consumer because I filed a dispute with the credit bureaus ( Equifax, XXXX, & XXXX ) and these 2 medical collections companies XXXX XXXX XXXX XXXX and XXXX XXXX XXXX because they are violating my consumer rights. I declare under penalty of perjury, my dispute is true and correct to the best of my knowledge. I am allowed by Federal and State Law to file this dispute and I also know and understand that knowing and willful misstatements or omissions of material facts constitutes a Federal Criminal Violation which is punishable under 18 U.S.C. 1001. Please be aware that these misstatements are punishable as perjury under 18 U.S.C 1621. All 12 of These alleged medical collection accounts are in violation 15 U.S.C 1692g because I was never notified about this account within 14 days of communication and other violations thats included but not limited to the sharing of Medical Information. The violations are 15 US Code 1681b ( 4 ) Limitation on re-disclosure of medical information Any, 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information, and 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information. Also, they have yet to send me any documentation about the alleged 12 medical collections and I was sent any proof of the method of verification by the credit bureaus. | null | EQUIFAX, INC. | MO | 63137 | null | Consent provided | Web | 2023-01-24 | Closed with explanation | Yes | null | 6,481,241 |
2018-09-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 609a1a of the fair credit reporting act XXXX or Transworld systems nether one of them was able to properly verify the collection account but will not remove it from my credit file. the law is very clear. i have therr letters and there respond saying it is verifed but never showed me no original documents. witch the law states that they have to provide. | null | TRANSWORLD SYSTEMS INC | TX | 75216 | null | Consent provided | Web | 2018-09-26 | Closed with explanation | Yes | null | 3,029,537 |
2023-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have XXXX XXXX credit card, issued by XXXX Bank. However, the same account is showing up twice on my credit report, effecting my overall utilization. I reached out to XXXX customer service, but they said, they can not correct the error that I need to dispute it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23113 | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,761,165 |
2023-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am submitting this complaint in order to verify some accounts that are erroneously reported in my file. The accounts must be investigated in my file to prevent further damage to my scores, also I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform XXXX XXXX Balance : {$56000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95125 | null | Consent provided | Web | 2023-04-20 | Closed with non-monetary relief | Yes | null | 6,860,776 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | im victime of equifax data lick my personal information was exposed and i have star reciving a lot of hard iquares in my credit and some credits aproved, i have informed to the financial intitucion the open acount for fraud has been closed but after a couple of disputes but equifax havent delet the fraudelant activity, for this reazon i file this complain to get fair action and have my credit report recovered from fraudeland activity, also i willbe paert of thge data lick settlement compensation for XXXX and time fixing my credit report | null | EQUIFAX, INC. | FL | 34116 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,930,588 |
2019-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently sent certified mail which experian received XX/XX/XXXX. They then sent a letter dated XX/XX/XXXX that there reinvestigation is now complete. They did absolutely nothing. That tells me they did not follow the law and did not review the evidence that I provided. I am not a litigious person. But I feel its best now to follow my Attorneys advise and take them to federal court. This is my final attempt to get them to do the right thing review the evidence and delete. What is more experian has not provided me any documentation that the items I disputed are accurate. They have no proof.
Banruptcy -- At first experian kept saying the courts were the furnisher of information. This was not the truth. I have 2 letters from the Banruptcy courts division manager showing that they were NOT the furnisher of information. After lengthy back and forth with no change experian now pulls from the air and say XXXX XXXX is the furnisher. This again is not the truth. I have documented proof from XXXX XXXX is not the furnisher of information. What is more XXXX XXXX sent me documentation that they could not get a hold of experian to dispute the false claim they are the furnisher. So if the Bankruptcy court is not the furnisher XXXX XXXX is not then who is?? Its obvious by law you are required to delete this. I have a right to know who furnished you this information. Please do the right thing and DELETE. XXXX did the right thing and contacted XXXX XXXX and after there investigation saw there error did the right thing and deleted it. Why cant you experian. Please see proof.
XXXX XXXX XXXX / XXXX XXXX XXXX -- - Please explain how in your reinvestigation of 1 day what your method of verification was / is? How did you verify this as accurate in 1 day when I cant get them to properly respond to me or my attorney?? See documented proof. XXXX and XXXX and XXXX did a REAL INVESTIGATION saw the error and deleted. Please provide documented proof that my first date of deliquency was when they claim it was? Please provide a cancel check of mine showing my date of first deliquency. You cant why? I have never done business with caliber home loans. I have never written them a check or had any correspondence with them. They can not show you truthful proof. They now claim they acquired the debt from XXXX. If that is the case and they never received any payment or documentation from me { they now admit this } they are nothing more than a debt collector and are bound by the FDCPA. Which states they must go by the original creditors first date of delquentcy. XXXX says there first date of delquiency was prior to XXXX. Well they can not report debt /ect past 7 years. SO how did you verify these 2 accounts are accurate. XXXX has never been found no where on any of my files except yours. XXXX was deleted by XXXX and XXXX Delete these unverified accounts.
Please provide me your method of verification. Specifically how you were able to do a reinvestigation in 1 day? Who verified these accounts? How did they verify them? Please provide me documented proof these accounts are reporting accurately. Please provide cancel checks of mine showing my first date of deliquency was in XX/XX/XXXX. XXXX admits payments were never caught up and they never had any documentation with my signature from me. XXXX admits they never received payments from me. So how is it Experian you verified these accounts as accurate?? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 238XX | null | Consent provided | Web | 2019-05-08 | Closed with explanation | Yes | null | 3,235,651 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible.
XXXX XXXX XXXX : {$330.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89166 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,924,910 |
2023-05-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX Dear Credit Bureaus : I am requesting XXXX inquiries are removed from my credit report : # XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Regarding XXXX ticket # XXXX : Addresses where I have lived : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Occupation : XXXX XXXX XXXX XXXX XXXX My credit report must be accurate because it has an impact on my livelihood. | null | EQUIFAX, INC. | TX | 77303 | Servicemember | Consent provided | Web | 2023-05-07 | Closed with explanation | Yes | null | 6,944,150 |
2020-05-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am writing to exercise my right to question the validity of the debt your agency claims I owe, according to the Fair Credit Reporting Act ( FCRA ). As stated in Section 609 of the FCRA, ( 2 ) ( E ) : A consumer required to remove inaccurate derogatory information from a consumers file that can not be verified. I would like to see a complete list of all documents and correspondence in regards to the below accounts. Please include all names and contact information of employees that you spoke to at, as part of this investigation. As is my right, I am requesting verification of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. Thank you for your prompt attention to this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19150 | null | Consent provided | Web | 2020-05-14 | Closed with explanation | Yes | null | 3,652,215 |
2020-05-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | SOMEONE HAS OPEN SEVERAL ACCOUNTS USING MY SOCIAL SECURITY NUMBER AND ID NUMBER XXXX DID NOT OPEN THESE ACCOUNTS THE ACCOUNTS ARE FRAUD AND I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80011 | null | Consent provided | Web | 2020-05-12 | Closed with explanation | Yes | null | 3,648,699 |
2023-07-05 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | On XX/XX/23 at XXXX I received an email that a Citizens Access, Checking account was opened in my name at the Citizens Bank XXXX This account was opened without my knowledge and consent. An initial deposit of {$1.00} was made from account ending XXXX. After calling Citizens Bank, I was told that the account address is in Florida. I do not live in Florida. Citizens Bank has agreed to immediately close the account and report to the credit bureau. | null | CITIZENS FINANCIAL GROUP, INC. | GA | 30253 | null | Consent provided | Web | 2023-07-05 | Closed with explanation | Yes | null | 7,206,034 |
2018-06-03 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Have contact both party 's involved numerous times still no resolution. The problem is that it's a medical bill that was discharged in bankruptcy in XX/XX/2014. Appears on my XXXX credit report as in collections with Common wealth Financial ( XXXX XXXX ) Head supervisor XXXX extension XXXX. It has been dismissed through Common Wealth Financial I currently have no open accounts with them. Bankruptcy was final in XX/XX/2014. XXXX will not remove it off of my credit report I have contacted them give them the number of the XXXX person in charge at Commonwealth where the he said he would talk to them personally and have them remove it they would not contact him. I've been dealing with this for two months now on my credit report I have called a gazillion times I have documentation of every time I have contacted both. The account is in the amount of {$250.00}. Bankruptcy was closed XX/XX/2014 I've given them both parties all the documentation Commonwealth has no open accounts. Supervisor that I contacted from XXXX was XXXX who would not take care of it he said it was out of his hands. At this point I have no idea what else to do where else to turn. Hopefully I can get some satisfaction through you. | null | Commonwealth Financial Systems, Inc. | OH | 45503 | null | Consent provided | Web | 2018-06-03 | Closed with explanation | Yes | null | 2,925,150 |
2017-11-09 | 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 | In a letter to XXXX XXXX dated XX/XX/XXXX, I explained the circumstances of two late payments from XXXX and inquired if it would be possible for a good will adjustment as my account has since been paid off and in consistent good standing for the past five years. In the letter, I took full responsibility for the late payments and never disputed the fact that they were late. After receiving a response saying that after an investigation, the report is accurate, they placed a comment on my credit report that I dispute the information. I do not wish to have this notation, as I never disputed anything. I just wanted to see if it would be possible to remove the late payments after paying off the debt and keeping the account in good standing for several years. I once again reached out to XXXX 's to remove the dispute comment but it has never been resolved. I fear that as I prepare to apply for mortgages, creditors will be weary of any sort of dispute seen on my credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 22202 | null | Consent provided | Web | 2017-11-09 | Closed with non-monetary relief | Yes | null | 2,725,260 |
2017-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX has XXXX accounts on my Transunion and XXXX reports that are over the seven year period. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19151 | null | Consent provided | Web | 2017-05-15 | Closed with explanation | Yes | null | 2,484,673 |
2018-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I recently received a copy of my credit report and I found a number of items on the report that are inaccurate. XXXX XXXX. I always make it a point to pay my obligations on time. If you take a closer look on my credit report there are only two accounts which are derogatory. This is a mistake, please have it taken cared of by deleting it | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89031 | null | Consent provided | Web | 2018-10-10 | Closed with explanation | Yes | null | 3,041,846 |
2020-11-29 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | Now that the CFPB will actually be doing the job it was charged to do when President XXXX takes over from the failed XXXX experiment, I am hopeful that this complaint will actually be addressed under the Fair Debt Collection Act and the Fair Credit Reporting Act. I filed an identity theft report with the Federal Trade Commission and refiled in XX/XX/XXXX. I properly notified the creditor and supplied them with letters provided to me by the FTC. I also asked for CFPB to assist but as has been the case throughout the XXXX era there was no action on my complaint.
I am asking you now to require the Prosper to show signed papers indicating that I applied for and incurred the debt. Electronic documents are not allowed because I placed a notice on my credit report and it was in effect at the time that this loan was allegedly made. Further the bank account information they provided for XXXX XXXX was also involved in an earlier identity theft that was discovered in XX/XX/XXXX and reported to the FTC and CFPB at that time.
This is not only a violation of the FCRA and the FDCA but also constitutes defamation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Prosper Marketplace, Inc. | AZ | XXXXX | null | Consent provided | Web | 2020-12-08 | Closed with explanation | Yes | null | 3,980,022 |
2017-06-23 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Don't agree with the fees charged | I received a notification to re-certify my income based repayment plan in late XX/XX/XXXX. I downloaded my XX/XX/XXXX tax return and completed the re-certification process on XX/XX/XXXX. On XX/XX/XXXX I logged in to make my payment due XX/XX/XXXX and saw it was ~1,800. This is NOT income based. I contacted customer service. Apparently the upload function for my tax return was not working on XX/XX/XXXX, which I did not know. I was informed I should submit it then. I did while I was on the phone with the customer service agent. And told it would take 7-10 days to process. I asked if there was anyway to speed that up so that I would still be able to make my XX/XX/XXXX payment. He said no and that I could request a forbearance. I did not want to do this, as I am not making any progress toward loan forgiveness and the loan provider is making money on interest accrued while I am in forbearance. He said I would only need a one month forbearance and that I would have my new amount for my XX/XX/XXXX due date. <P/>I called back today, XX/XX/XXXX, to again ask if there was anyway to speed up the process as I was unaware they were missing documentation after my first submission on XX/XX/XXXX and I am in the process of looking to buy a home and need a loan letter to confirm my actual payments on income based repayment plan. The lady informed me it was my fault for not doing it sooner in XX/XX/XXXX, that they have n't been able to process these re certifications in 7-10 days all year, and I was looking at 2 months and the forebarance request to XX/XX/XXXX would n't be enough. She was unable to tell me when my recertification request would be processed. <P/>I can go to studentloans.gov and plug in my AGI from my tax return and find out my payments under my plan in less than 2 minutes. It should not take up to two months to re-certify. I should not miss two months of payments towards loan forgiveness and the service provider should not be making money of my forbearance requests. <P/>In an XX/XX/XXXX XXXX XXXX article FedLoans was contacted and gave a statement that they were taking steps to correct the problem of significant delays ( defined as more than 15d turnaround ) and they expected to catch up later that month. That clearly has n't happened and it is unacceptable. | null | AES/PHEAA | OR | 97501 | null | Consent provided | Web | 2017-06-23 | Closed with non-monetary relief | Yes | null | 2,557,720 |
2023-06-08 | 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 has XXXX 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. | null | Experian Information Solutions Inc. | TX | 78245 | Servicemember | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,090,358 |
2019-05-13 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | We co-signed for our daughter 's student loan with XXXX XXXX XXXX ( loan is now owned by Citizens Bank ) in XXXX in the amount of {$19000.00}. She left school in XXXX and payments began in XX/XX/XXXX.
Since then we have made nearly 120 payments ( almost {$19000.00} ) and the principal balance is still {$18000.00}.
This seems like a criminal attempt to gouge a student ( and their parents ). | null | CITIZENS FINANCIAL GROUP, INC. | NY | 14580 | Older American | Consent provided | Web | 2019-05-21 | Closed with explanation | Yes | null | 3,240,668 |
2021-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My concerns with Discover and their unfair credit reporting processes.
I paid my account within 30 days ( XXXX and XX/XX/2019 ) and was reported late.
The account was never late. | null | DISCOVER BANK | AL | 35226 | null | Consent provided | Web | 2021-01-28 | Closed with non-monetary relief | Yes | null | 4,098,443 |
2020-09-19 | 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 | HI MY NAME IS XXXX! - i'm confused the way you're reporting this chargeoff account from XXXX XXXX XXXX with different dates of last payment, active, open, and inconsistent with account number and open date. also how can you have such inconsistencies with the payment history if you're getting the same information from the furnisher which is XXXX XXXX XXXX. Again, i'm update! Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 02302 | null | Consent provided | Web | 2020-09-19 | Closed with explanation | Yes | null | 3,855,795 |
2022-07-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | in accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | GA | 314XX | null | Consent provided | Web | 2022-07-17 | Closed with explanation | Yes | null | 5,780,383 |
2022-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX -- Account number : XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX -- Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 | 77502 | null | Consent provided | Web | 2022-11-08 | Closed with explanation | Yes | null | 6,180,508 |
2023-02-03 | 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 purchased a merchant on website scarce.us costed {$420.00} and it supposed to be delivered to my house on XX/XX/2022 by XXXX. But I was not home at that time when they delivered. So I requested to ship once again to my house but it never happen. And couple days later when I tracked the package on XXXX website, it said the package will send back to the shipper. So I did ask their customer service to refund me, and they said they will when they received the package. However, I never receive any refund, so I disputed on the charges my chase credit card account. However, they denied my dispute because they said the sender provided a tracking number and it said it shipped to my address. But it is not true, I never receive any merchant. And now I check the tracking on XXXX again, I can see the sender is filing a claim on this shipment. | null | JPMORGAN CHASE & CO. | CA | 91762 | null | Consent provided | Web | 2023-02-03 | Closed with monetary relief | Yes | null | 6,530,897 |
2022-09-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | You are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, my general good mode of living my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C 1681s-2 ( a ) ( XXXX ) ( A ), which states " 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. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNTS FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC XXXX, {$1000.00} per each violation you have incurred. XXXX XXXX Last 4 of XXXX : XXXX Copy of DL Copy of Address Copy of FTC report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30504 | null | Consent provided | Web | 2022-09-14 | Closed with non-monetary relief | Yes | null | 5,981,408 |
2018-01-31 | 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 | Chapter XXXX bankruptcy reflected on credit after 7 years. Reference # 's XXXX. | null | EQUIFAX, INC. | TX | 75069 | null | Consent provided | Web | 2018-01-31 | Closed with explanation | Yes | null | 2,799,292 |
2021-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I XXXX XXXX the CONSUMER and NATURAL PERSON sent a letter to Equifax on XX/XX/XXXX disputing 7 different accounts that are being reported negatively on my consumer credit report. I wrote the account in detail so there would be no confusion as to what accounts I am speaking about. I wrote to them concerned because I believe they're violation my right pursuant to 1681b ( 2 ) because I never gave them written permission to furnish these private consumer transactions. So I asked them to provide me proof that I did and gave them 30 days to provide that information to me to look over. I believe they're also in violation of 1681a ( 2 ) ( B ) by including an approval of an extension of credit. Please help me with the situation being that it has been very hard to get to my life after Corona Virus hit us all so hard this past year. | null | EQUIFAX, INC. | NY | 10473 | null | Consent provided | Web | 2021-06-24 | Closed with explanation | Yes | null | 4,488,442 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I applied and was approved for Public Student Loan Forgiveness by FedLoan Servicing and I was notified on a letter dated XX/XX/2022. Amounts forgiven {$27000.00} and {$50000.00}, My credit report shows that I owe XXXX. the XXXX is on loan program DLSCNS and the XXXX is on loan program DLUCNS. the letter states " you have satisfied your obligation and no additional payments are required on these loans. | null | AES/PHEAA | AZ | 85374 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,953,718 |
2022-08-02 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | USBank sent me a letter stating that since I have been a good customer, they are increasing my credit line from {$500.00} to {$1000.00} and sent me a new card.
Since I received the card I tried to use it to make a payment at XXXX XXXX XXXX and it would not go through. I called USBank and spoke with a representative who told me someone would get back to me because I was being " investigated '' & transferred me to another dept where I was told that XXXX was the one who had a problem not my account and I could use the card, no problem. Today I received an email from USBank alerting me that they detected suspicious activity on my credit card & to call XXXX. I called 3 times today, but each time I was on hold for 30 minutes then an automated system came on to say there was no one available and hung up.
I have not been able to get anyone on the phone regarding this alert or use the card anywhere. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 900XX | Older American | Consent provided | Web | 2022-08-02 | Closed with explanation | Yes | null | 5,830,508 |
2023-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Simply told them its not mine..Im a victim of fraud | null | Scott Fetzer Financial Group Inc. | NC | 278XX | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 6,996,802 |
2023-05-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/XXXX I report fraud on my XXXX XXXX XXXX ; Investigation was initiated. They cancelled old card, issued new card ; and waived the fraud charges ( see copy of email uploaded ). I have sent two certified letters now to XXXX credit Bureau to correct that information and a third letter being sent tomorrow XX/XX/XXXX but they correct it and then a week or so later they deduct my points referencing the same fraudulent credit card. I have sent them activity summary provided by XXXX ( see uploaded copy ), but again they have not addressed that issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 01609 | null | Consent provided | Web | 2023-05-25 | Closed with non-monetary relief | Yes | null | 7,021,347 |
2019-09-03 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | TD Bank froze my checking while I'm out of the country. I tried to use XXXX and ACH transfer to move my salary over to a checking account at another bank. So there was nothing out of the ordinary prior to freezing my funds. Customer service informed me that that I can only resolve this at a branch. First bank I really don't trust with my money. | null | TD BANK US HOLDING COMPANY | MA | 01880 | null | Consent provided | Web | 2019-09-03 | Closed with non-monetary relief | Yes | null | 3,361,597 |
2017-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On or around XXXX17 I noticed a account from XXXX XXXX XXXX # XXXX, # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, I do not recognize this account as being mines. I have no contract information or any paperwork for my review. I believe these accounts are in error please delete.FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY please follow up in writing the This is the second time I have filed a complaint over this issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 43211 | null | Consent provided | Web | 2017-12-28 | Closed with non-monetary relief | Yes | null | 2,765,735 |
2022-09-19 | 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 | Noticed a hard inquiry for a company I never applied to XXXX XX/XX/20XXXX XXXX | null | EQUIFAX, INC. | NV | 89048 | null | Consent provided | Web | 2022-09-19 | Closed with explanation | Yes | null | 5,996,089 |
2022-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34221 | null | Consent provided | Web | 2022-01-07 | Closed with non-monetary relief | Yes | null | 5,080,807 |
2022-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. TransUnion subsequently bludgeon my credit score by downgrading it XXXX points. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33713 | null | Consent provided | Web | 2022-06-08 | Closed with non-monetary relief | Yes | null | 5,649,448 |
2017-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | There are unknown addresses showing on my Credit report. I have a few unverified accounts from companies I have never done business with as well. Yet according to the online credit report that I received less than days ago from the agency denied credit to m e, Trans Unio n cre dit bureau issued the report that was used to determine my credit evaluation. Sect ion 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccur ate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I am looking over my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX # XXXX 4. XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX # XXXX 7. XXXX XXXX XXXX # XXXX MY CURRENT ADDRESS IS XXXX XXXX XXXX , XXXX , OHIO XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43229 | null | Consent provided | Web | 2017-05-05 | Closed with explanation | Yes | null | 2,475,928 |
2022-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 61111 | null | Consent provided | Web | 2022-04-16 | Closed with non-monetary relief | Yes | null | 5,454,859 |
2020-07-13 | Checking or savings account | Other banking product or service | Managing an account | Problem accessing account | PNC Bank has stopped connection to 3rd party websites to help with accounting services, XXXX for example. This has been an issue since XX/XX/XXXX. | null | PNC Bank N.A. | OH | 443XX | null | Consent provided | Web | 2020-07-13 | Closed with explanation | Yes | null | 3,742,973 |
2023-04-21 | 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 | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | null | EQUIFAX, INC. | NC | 28012 | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,871,048 |
2020-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have 2 inquiries on my Experian and XXXX reports that I do not recognize connected the two lenders at the addresses showing on my credit reports both came back return to sender no such address ( XXXX XXXX XXXX and XXXX XXXX ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37363 | null | Consent provided | Web | 2020-06-10 | Closed with explanation | Yes | null | 3,692,482 |
2023-02-03 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On XX/XX/23, early morning, I activated my EDD card of my account in Bank of America sothat I would go to the bank and withdraw my money that day. By XXXX I was in the bank and when I tried to with draw the money, the teller told me that someone had already with drew {$5000.00} from my account that very morning in XXXX transactions ; XXXX {$4500.00} and later {$500.00}, and my card had also been blocked. Immediately, i called bank of America to ask them about who had withdrawn my money and what I needed to do next.
They told me that a claim has been put in for my stolen money and that I should give them XXXXdays to work on it. At that time my account was only remaining with {$2900.00}, so I asked them whether I should with draw that balance that very day and they told me that I should wait to receive a new card because the one I had, had been blocked. In XXXXweeks, I called the bank again to know about my claim, the person I talked to said she couldn't tell me anything about my claim unless I go and call them again when am inside the bank. When I asked her why i had to call from the bank, she told me that because the bank has to request XXXX IDs from me to be sure am the real owner of the account I was calling about. The next day I went to the bank with my XXXX IDs and called again. They just told me to wait until XXXX days. Surprisingly, on XX/XX/2023 they sent me a letter, stating that their research confirmed it was me who authorized the withdraw of the {$5000.00} from my account and for that reason, they denied my claim. Its on that note that I write my claim here, seeking for justice of my {$5000.00} that was stolen from my account in Bank of America. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91401 | null | Consent provided | Web | 2023-02-03 | Closed with monetary relief | Yes | null | 6,528,163 |
2017-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There is a account reporting on my credit file from Portfolio Recovery Associates in the Amount of {$3500.00}. I have sent both Portfolio and the credit bureaus information requesting to validate this bill several times going back as far as approx a year. Portfolio responded by sending a 1 page copy of what appears to be the statement the the said account with my information. I have once been a victim of identify theft and refuse to be responsible to for something that has not been proven or validated to belong to me. I have requested documents that would show my signature or some form of verification of this debt. Portfolio has yet to do so but is still reporting this account on my file. I have written twice and the last time Portfolio Recovery states they consider this investigation to my validation closed. This debt has not been validated there fore should no t be appearing on my report unless they can do so. | null | PORTFOLIO RECOVERY ASSOCIATES INC | NC | 27613 | null | Consent provided | Web | 2017-05-09 | Closed with explanation | Yes | null | 2,479,183 |
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 | Experian has told me that my dispute was complete and the late payments for XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 was removed from my credit report after completion of a dispute. My credit report had not been updated & I called back and they verified that it was still showing after I was told it was not. They told me someone would all me back within 24 hours and it has been over a week since then. There is a lack of proper communication, no one is able to help, and the customer service has been aweful! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27265 | Servicemember | Consent provided | Web | 2023-07-06 | Closed with explanation | Yes | null | 7,213,491 |
2023-02-24 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | Hello my name is XXXX XXXX XXXX. I am a victim of identity theft and my personal information was compromised. Accounts was opened in my name without my consent. I also just recently filed bankruptcy and I included Regions bank with my filling. Attached are the legal documents | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REGIONS FINANCIAL CORPORATION | IL | 60409 | Servicemember | Consent provided | Web | 2023-02-24 | Closed with non-monetary relief | Yes | null | 6,612,851 |
2023-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 32211 | null | Consent provided | Web | 2023-08-07 | Closed with non-monetary relief | Yes | null | 7,363,734 |
2021-11-16 | Debt collection | Mortgage debt | Written notification about debt | Didn't receive notice of right to dispute | I am a XXXX XXXX XXXX female, on social security. In XXXX XXXX, I purchased a XXXX B/R house in the city of XXXX, OH, with my husband, who is suffering from XXXX. Over the course of XXXX years, I and my husband paid close to {$250000.00} in monthly installments of {$980.00} a month for a house for which the price was {$92000.00} ( See {$160000.00} the interest we paid to the lender XXXX XXXXl ) On XX/XX/XXXX, Me, my husband and son were kicked out of our house. We were paid {$3000.00} for everything we owned in the house. It was worth around {$75000.00} ) At that instant, at XXXX XXXX, on XX/XX/XXXX, we became homeless!
With my Social security monthly income of {$310.00} and my husband 's monthly retirement of {$800.00} we were not able to afford to rent any apartment anywhere in Ohio.
We lived in our XXXX car for 4 months, until after XXXX of that year, by sheer luck we qualified for one B/R unit in a XXXX dwelling.
My husband still cries when he is alone. All our life 's hard work and financial savings etc came to naught.
I WANT JUSTICE.
FROM THE CORRUPT FINANCIAL INSTITUTION WHO HOODWINKED US BY CHANGING THE TERMS OF OUR MORTGAGE FOR THE WORSE AND WIPING AWAY XXXX YEARS OF PAYMENTS WITH THEIR CROOKED ACCOUNTING. We were asked to start afresh to pay the whole mortgage of {$92000.00} starting XX/XX/XXXX.
This should not be the Great America I know, where Law and order are supposed to look out for the ordinary citizens.
All we want is to have our own dwelling, fully paid for, as we have paid about XXXX times the price of the house already!
We do not want any money.
A simple, small, ordinary house fully paid for, where my son and we can FEEL SAFE!
Can some powerful Bureau/Organization help us? | null | Caliber Home Loans, Inc. | OH | 441XX | Older American | Consent provided | Web | 2021-11-16 | Closed with explanation | Yes | null | 4,917,381 |
2020-11-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 1.When I check my credit report there was 2 late payment.
In the case of XXXX XXXX XXXX, I never late over 6years.
Actually, my mon passed away because of XXXX XXXX, I had to be out of state, I didn't know late payment. ( XX/XX/2020 ) When I call XXXX XXXX XXXX, I canceled the arrears caused by Covid 19.
But I found this late payment wasn't removed.
2.I found 1 late payment of XXXX account almost over 10 years ago.
In my opinion, any record over 7 years ago should be removed.
I paid off this account.
And these 2 accounts remain on my credit report as hard delinquency.
One of the records was waived, the other record was over 10years paid off the account. These accounts that were saved by information and covid 10 years ago still remain on the record. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92660 | null | Consent provided | Web | 2020-11-27 | Closed with explanation | Yes | null | 3,976,858 |
2019-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Equifax has been sending rightful claimants threatening letter about their claims. They are clearing attempted to intemidate and undermine the claims process of the average American. This company was wildly irresponsible with my protected data and their behavior in attempting to XXXX over the average Joe is reprehensible.
They will continue to twist and turn to deny money from less diligent Americans Claim # XXXX | null | EQUIFAX, INC. | CO | 80219 | null | Consent provided | Web | 2019-09-09 | Closed with explanation | Yes | null | 3,368,979 |
2023-08-31 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I XXXX XXXX noticed Two fraudulent accounts appearing on my credit reports. I have attached an FTC report and additional supported documentation.
XXXX. XXXX {$420.00} XXXX. XXXX XXXX {$650.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30096 | null | Consent provided | Web | 2023-08-31 | Closed with explanation | Yes | null | 7,484,291 |
2022-04-05 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | On XX/XX/2022 at XXXX I received an email from Chase Bank stating my new Chase XXXX XXXX account is open. At XXXX XXXX I received another email from Chase that my email address had been changed as requested. I did not open an account with Chase Bank. I went to Chase and they verified I had an account with my name, date of birth and social security number. | null | JPMORGAN CHASE & CO. | SC | 29687 | null | Consent provided | Web | 2022-04-05 | Closed with explanation | Yes | null | 5,411,618 |
2022-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I just received my investigation results. Complaint # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the high balance is inaccurate, date of last activity is inaccurate, last payment is inaccurate, last verified is inaccurate, close date is inaccurate, and date reported is inaccurate. This is grounds for removal.
One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} | null | EQUIFAX, INC. | SC | 29483 | null | Consent provided | Web | 2022-08-22 | Closed with explanation | Yes | null | 5,906,569 |
2022-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2020 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 117XX | null | Consent provided | Web | 2022-07-29 | Closed with explanation | Yes | null | 5,825,812 |
2017-06-23 | Vehicle loan or lease | Loan | Unable to get your credit report or credit score | Other problem getting your report or credit score | It would appear that my son and I are victims of a predatory loan.
I co-signed a car loan 2 yrs ago for my son. The car was purchased through a local dealership ( XXXX XXXX ) and according to them, my son needed a co-signer due to an insufficient XXXX XXXX. Nothing unusual there. However, when the loan was processed through Chrysler Capital, even though it was a co-signed loan, my name is the only one on the account. I believe this was done purposely for two reasons : it allowed them to NOT report the payments in my son 's credit report which would have increased his XXXX XXXX ; and by preventing this increase, facilitated " locking '' him ( indentured ) into the higher interest for the duration of the loan. I also believe these companies are working together to create this type of situation.
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They manipulated the paperwork to make it appear as if I were the only signatory on the note ( hard money loan ) for the sole purpose of preserving a high interest loan for 6 years. The result is that my son can not re-finance this vehicle, purchase another vehicle, or purchase a home because of an incorrect XXXX XXXX. | null | Santander Consumer USA Holdings Inc. | AZ | 851XX | Older American, Servicemember | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,557,184 |
2022-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21207 | null | Consent provided | Web | 2022-09-06 | Closed with non-monetary relief | Yes | null | 5,953,844 |
2020-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Navient is reporting 13 separate student loans on one account to the credit bureaus who use their information to compute credit scores based on proprietary formulas using several factors including but not limited to the number of accounts, payment amounts, number of late payments, etc. The problem with Navient is in consideration of the following : -Navient won't accept payments less than the combined minimum payment amount for all 13 loans, treating them as one account but reporting them as 13 accounts, -Navient allows borrowers to direct overpayments, meaning any additional payment made over the combined minimum for all loans is able to be designated to pay down certain particular loans, but Navient does not allow borrowers to direct underpayments, meaning if I can only afford to pay some of the 13 loans instead of the combined minimum payments on all of the loans on the account then it gets reported to the credit bureaus as 13 late payments instead of one or however many the loan payments I could not afford to pay on time which adversely and untruthfully affects my credit report multiple times, -Navient should accept payment of less the combined minimums off all loans on the account, allow borrowers to direct the underpayments as it allows borrowers to direct overpayments, and report truthfully to or instruct the credit bureaus in the manner in which multiple loans on one account are treated so the penalties for late payments are not unfairly multiplied against the borrower, and -Navient should be held accountable to some extent for their servicing and reporting errors, mishandling of account information ( misleading reporting practices ), the negative financial impact it has had on the student loan borrowers, etc. | null | Navient Solutions, LLC. | OH | 45237 | null | Consent provided | Web | 2020-04-16 | Closed with explanation | Yes | null | 3,608,751 |
2022-06-05 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible. | null | EQUIFAX, INC. | FL | 33169 | null | Consent provided | Web | 2022-06-05 | Closed with explanation | Yes | null | 5,635,082 |
2022-09-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | i sent in complaint orginally XXXX and submited it as 30 days over limit last week and have not heard a word from company on what their doing to rectify this not even email | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60622 | null | Consent provided | Web | 2022-09-12 | Closed with explanation | Yes | null | 5,975,140 |
2019-09-27 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | I called Calvary Portfolio SE and disputed alleged debt. I also sent a letter which was written in XXXX and ask them to verify assumed debt. When I spoke with them and provided varied discrepancies, they kept on pushing. It was just too much, so much so that I told them to refrain from calling me. The calls were too much.
After writing said letter, I am still waiting on the above named credit agency to verify assumed debt. I have received no correspondence from them as it relates to verifying assumed debt. | null | CAVALRY INVESTMENTS, LLC | SC | 29212 | null | Consent provided | Web | 2019-09-27 | Closed with explanation | Yes | null | 3,388,739 |
2023-04-14 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt is not yours | National credit adjusters has placed 3 accounts on my credit. They sent me paperwork with misspelled name of mine but no proof the debt is mine. This is a check cashing place that I looked up and never used. They refuse to respond timely and can not verify this debt. But refuse to remove it. | null | National Credit Adjusters, LLC | AL | 366XX | Servicemember | Consent provided | Web | 2023-04-14 | Closed with explanation | Yes | null | 6,840,913 |
2019-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XX/XX/XXXX, a series on letters to Experian Credit reporting agency to correct inaccurate information was submitted in writing to provided address. As XX/XX/XXXX, Information has not been corrected. Have filed online disputes and have tried to call for an in person effort to correct the problems, but inaccurate information still remains.
I have tried diligently to repair credit and correct information as to show positive steps in securing better scores for the future. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 381XX | null | Consent provided | Web | 2019-01-06 | Closed with explanation | Yes | null | 3,117,687 |
2022-12-07 | 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 discharged Account # XXXX, has violated my rights.
XXXX XXXX Account # XXXX, has violated my rights Fair Collections & XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights XXXX XXXX Account # XXXX, has violated my rights XXXX XXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 38134 | null | Consent provided | Web | 2022-12-07 | Closed with non-monetary relief | Yes | null | 6,285,902 |
2023-09-11 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX # XXXX I noticed some inaccuracies in the copy of my credit report. This is not a credit transaction and should not be reported on my credit report. Also what is being reported are in accurate. Please remove 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. | TX | 797XX | null | Consent provided | Web | 2023-09-11 | Closed with non-monetary relief | Yes | null | 7,530,888 |
2023-09-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 928XX | null | Consent provided | Web | 2023-09-04 | Closed with explanation | Yes | null | 7,493,094 |
2022-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT 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 | null | EQUIFAX, INC. | CA | 90016 | null | Consent provided | Web | 2022-05-30 | Closed with explanation | Yes | null | 5,612,899 |
2019-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | equifax has XXXX as a negative? | null | EQUIFAX, INC. | NV | 89502 | Servicemember | Consent provided | Web | 2019-09-27 | Closed with explanation | Yes | null | 3,389,096 |
2021-11-01 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavourable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to CAINE & WEINER Balance {$890.00} and CAINE & WEINER COMPA Balance {$160.00} but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. | null | CAINE & WEINER COMPANY, INC. | MI | 480XX | null | Consent provided | Web | 2021-11-01 | Closed with explanation | Yes | null | 4,863,980 |