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2020-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XXXX XXXX HAVE AN ACCOUNT LISTED ON MY TRADE LINES ( XXXX ) THIS ACCOUNT CLOSED OUT IN XXXX AND THIS HAS CURRENTLY BEEN REPORTED 120 DAYS LATE IN XXXX WHICH IS IMPOSSIBLE BECAUSE THE ACCOUNT HAS BEEN CLOSED OUT. THIS IS INACCURATE INFORMATION AND SHOULD HAVE BEEN REPORTING ON MY TRADELINES. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 43607 | null | Consent provided | Web | 2020-05-02 | Closed with explanation | Yes | null | 3,634,090 |
2020-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The balance shown is wrong on my XXXX credit file is wrong. The account is also paid in full but shows i have a balance of {$1300.00}. They FAILED to report my good payments for the months of XXXX, as the last update was generated on XX/XX/2020. I called them to dispute it but no action was taken. | null | Risecredit, LLC | TX | 75023 | null | Consent provided | Web | 2020-06-17 | Closed with explanation | Yes | null | 3,703,537 |
2022-03-08 | 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 | My name is XXXX XXXX.
I purchased two roundtrip flights through Amex Travel with departure date of XX/XX/2022 and return date of XX/XX/2022.
The flight was from XXXX to XXXX XXXX with a layover in XXXX. We get on the plane on the XXXX XXXX XXXX and landed in XXXX where our flight was canceled. So we had to get a hotel and wait for the next morning to get on the flight we were rebooked too. That flight was canceled and subsequently the next 4 flights we were rebooked too. We never ended up getting to go to XXXX XXXX. We got stuck in the XXXX airport until the XXXX where they finally were able to get us a ticket back to XXXX.
All I have been trying to do since XX/XX/XXXX is get my refund for the tickets I purchased that I could not go too. I am going to look pass the countless XXXX I had to take back and forth from the hotel and airport due to the airlines canceling the flight each time 10 mins prior to the flight flying out.
I have been calling Amex for the pass month trying to resolve this they keep putting me on hold, transferring me to someone else, they put me on hold, transfer me to someone else and then eventually I get stuck on hold with no one returning to the phone and I have to repeat the whole process. I have this feeling they are doing it on purpose.
They are wasting my time, stealing my money, and not trying to reconcile the issue. | null | AMERICAN EXPRESS COMPANY | FL | 32216 | null | Consent provided | Web | 2022-03-08 | Closed with monetary relief | Yes | null | 5,297,539 |
2022-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you. | null | EQUIFAX, INC. | CO | XXXXX | null | Consent provided | Web | 2022-01-19 | Closed with explanation | Yes | null | 5,126,989 |
2020-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | MY INFORMATION WAS USE TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT OR KNOWLEDGE I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX 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. | null | EQUIFAX, INC. | AL | 36303 | null | Consent provided | Web | 2020-08-17 | Closed with non-monetary relief | Yes | null | 3,799,894 |
2021-07-20 | 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 | PHEAA erased my student loans as requested with all credit bureaus. However, XXXX missed the elimination process. I ask XXXX to reinvestigate the matter and delete the PHEAA student loans permanently.
COMPANY 'S INTERIM RESPONSE The response to your Consumer Financial Protection Bureau inquiry from Pennsylvania Higher Education Assistance Agency ( PHEAA ) /American Education Services ( AES ) /FedLoan Servicing is currently under review. Additional research is being performed at this time. You should expect to receive a reply shortly.
Company responded STATUS Company responded on XX/XX/2021 RESPONSE TYPE Closed with explanation Company 's Response The Office of Consumer Advocacy ( OCA ) at Pennsylvania Higher Education Assistance Agency ( PHEAA ) performed a review of your account. Please Note : PHEAA conducts its student loan servicing operations commercially as American Education Services and for federally-owned loans as FedLoan Servicing. In your inquiry you expressed concern regarding information submitted to the consumer reporting agencies regarding your account. We received and investigated your complaint regarding loans for which you were on record as the endorser. Based on our preliminary investigation, we have submitted to the consumer reporting agencies to remove the loans from your credit report, until we can perform a full investigation once the borrower completes and returns the Fraud Packet that is being sent. | null | AES/PHEAA | NY | 11378 | null | Consent provided | Web | 2021-07-20 | Closed with explanation | Yes | null | 4,560,717 |
2023-01-26 | 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, 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 instruction. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77520 | null | Consent provided | Web | 2023-01-26 | Closed with non-monetary relief | Yes | null | 6,491,680 |
2017-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To whom it may concern My name is XXXX XXXX I am a victim of identity theft. I have mailed over certified letters to the credit bureaus and the creditors that will be listed in this message. My credit report has several errors and the companies included are : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 3 XXXX XXXX identity theft : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX I 've sent in certified letters asking each company to verify any documents bearing my signature and all of them have failed to show me any documents bearing my signature. Also to place an account on my credit without verifying the account, without me giving my consent to any creditor or bureau is breaking the law.
This letter is in response to your recent claim regarding Acct # *******, which you claim Such as I owe an unknown amount.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non- compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : LAST FOUR XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau | null | EQUIFAX, INC. | FL | 33025 | null | Consent provided | Web | 2017-08-21 | Closed with explanation | Yes | null | 2,644,620 |
2023-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Personal information incorrect | I CONTACTED LEXISNEXIS OVER A MONTH AGO BECAUSE I ORDERD A COPY OF MY CONSUMER REPORT AND NOTICED IT WAS OVER 20 ADDRESSES ON THE REPORT THAT I NEVER HURD OF AND NEVER LIVED OR BEEN TOO SO I STARTED A DISPUTE AND THEY LEFT THE ADDRESSES ON THE REPORT SAYING IS VERIFED WHICH IS A LIE ONE OF THE ADDRESSES I LOOKED UP WAS A XXXX XXXX THATS HOW I KNOW THEY NEVER DID THEY JOB TO INVESTGATE OR DELETE THEY ALSO HAVE 5 INSURANCE COMPANIES ON MY CONSUMER REPORT ONE OF THE COMPANIES HAD ANOTHER PERSON NAME ON IT NOT EVEN MINE AND THEY SAID ITS VERIFED AND MINE WHICH SHOWS ME THEY NEVER LOOKED INTO IT I CALLED THE SAME COMPANY AND THEY SAID MY NAME NOT ON THE POLICY AND WAS NEVER ON IT THEY DONT UNDERSTAND WHY LEXIS NEXIS IS REPORTING THIS INFORMATION THE OTHER COMAPINES I CALLED THEY DONT HAVE MY LICENSE ON FILE OR MY SIGNATURE OR ANY INFORMATION TO CONFIRM I WAS THE PERSON TO APPLY OR OPEN UP THESE POLICYS, LEXIS NEXIS IS NOT DOING ANYTHING CORRECT ACCORDING TO THE FCRA AND I WILL TAKE THEM TO COURT IF THIS INFORMATION DOES NOT COME OFF | null | LEXISNEXIS | TX | 770XX | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,977,574 |
2023-10-24 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | I filed XXXX XXXX XXXX of XXXX and Citibank was listed on the schedule when I filed. Citi bank filed a lien on my property XX/XX/. Citibank has never sent a release to the registry of deeds to release the lien despite many calls requesting them to. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MA | 023XX | null | Consent provided | Web | 2023-10-24 | Closed with explanation | Yes | null | 7,747,996 |
2021-12-02 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I sent debt validation letter to portfolio recovery in XXXX. I haven't received anything back from them validating this debt. In the attachment document you will see what they sent me on XX/XX/2021 which is not validating the debt and I want this removed immediately from my credit report | null | PORTFOLIO RECOVERY ASSOCIATES INC | GA | 314XX | null | Consent provided | Web | 2021-12-02 | Closed with explanation | Yes | null | 4,965,886 |
2022-09-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the Fair Credit Reporting act CRA, Equifax Information Services has violated my rights by reporting fraudulent inquiries after my dispute process, and not providing documentary evidence validating ownership of transaction to me as the consumer. This is my second time explaining to Equifax and its referenced creditors that my personal information was stolen in XXXX, and since then Ive been seeing a lot of unauthorized/fraudulent inquiries. Ive attached a police report pertaining to the incident. Please immediately remove all fraudulent inquiries I have listed below, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the FCRA if the investigation results are verifiable I request the documentary evidence that lead to it being verified to be mailed to the address on file, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period | null | EQUIFAX, INC. | TX | 75126 | null | Consent provided | Web | 2022-09-14 | Closed with explanation | Yes | null | 5,981,441 |
2020-07-27 | 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 fighting with the bureaus regarding accounts on my credit report that need to be removed that aren't mines, and yet here I am again receiving debt collection calls about accounts that I have never opened, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and a few others. I have included them in my police report as well as my FTC Report. I should already have a fraud report on file, there should be no way companies are able to run my credit without me being notified, I have recently changed my number due to the heavy call volume of debt collectors reaching me on things I never purchased. I never had any banks or debits until I found on by recently checking a credit report of mines. I want these items investigated and deleted, also want them blocked. I had a car that I paid in full sent in documentation of it being paid in full and being signed over to me from the XXXX XXXX company and it has showed back up ... PLEASE FIX THIS. This is draining. All the fraudulent inquiries from phone and finance companies, XXXX accounts. Just alot of things done without my consent. | null | EQUIFAX, INC. | IN | 46202 | null | Consent provided | Web | 2020-07-27 | Closed with explanation | Yes | null | 3,764,903 |
2023-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the FDCPA, specifically 15 US Code 1692 ( c ) ; this is my formal declaration to terminate and cease all communication from you in regard to the debt you are attempting to collect.
In response to the Ceasing Communication Notice, in accordance with the Federal Fair Debt Collections Act, you may only contact me to inform me that there will be no further collection efforts or to notify me that a specific action will take place.
Please be advised that I am well aware of my rights and know that any further contact by you or your company, except a communication, confirming your acknowledgment of this letter, is in violation of the FDCPA.
In addition, any third party that you use to coerce the collection of this debt shall also be in violation of federal law. If you do not cease communication a lawsuit will be commenced against you.
Accounts in question : XXXX XXXX XXXX - {$76.00}, XXXX XXXX XXXX XXXX - {$290.00} | null | Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis | CA | XXXXX | null | Consent provided | Web | 2023-02-14 | Closed with explanation | Yes | null | 6,569,445 |
2022-03-23 | 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 Supplied XXXX with detailed information and Legal Federal regulations in reguards to the cares act it took them over 30 days and I recieved back the same results I spoke with a lady on XXXX XXXX @ XXXX XXXX confirmation # XXXX and stated they have to remove this imediatly as Allied Collection has not provided anything relevant to proceed with the negative report XXXX is operating against federal reporting guidelines | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Allied Collection Services, Inc. (Nevada) | NV | 89106 | Servicemember | Consent provided | Web | 2022-04-18 | Closed with explanation | Yes | null | 5,357,968 |
2020-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Last XX/XX/XXXX I learned AES ( XXXX XXXX XXXX ) reported my student loan account XXXX days late, yet they also reported it as " Pays as Agrees ''. I immediately called AES to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with AES and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not XXXX.
AES agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX XXXX # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my XXXX credit report. I called on XX/XX/XXXX and spoke to XXXX XXXX # XXXX and she verified everything was current and updated.
I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my XXXX credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. AES is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and AES should be held accountable and at the very least they should fix my XXXX credit report. Please have them correct this | null | AES/PHEAA | VT | 050XX | null | Consent provided | Web | 2020-02-11 | Closed with non-monetary relief | Yes | null | 3,527,328 |
2021-07-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | For several years, Ive been getting harassed by XXXX XXXX, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, XXXX XXXX has reported to Experian, in which I disputed & provided proof of payment, but Experian is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76018 | null | Consent provided | Web | 2021-07-03 | Closed with explanation | Yes | null | 4,513,498 |
2023-09-21 | Credit reporting 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. | NE | 681XX | null | Consent provided | Web | 2023-09-21 | Closed with explanation | Yes | null | 7,578,606 |
2021-11-24 | Debt collection | Medical debt | False statements or representation | Indicated you were committing crime by not paying debt | Company is Express Recovery Services. Trying to get facilities bill for ed visit ( hospital tried to charge insurance but had wrong birth date and also had wrong address for me due to typos so never got notices so went to collections ).
XX/XX/XXXX call while i am at work, try to collect. I say I want to talk to hospital and say specifically I can't do this and have to pay through them XXXX, I call hospital billing department multiple time and they give me different answers regarding releasing bill from collections ranging from " need to talk to supervisor '' to on XX/XX/XXXX having three way call with express recovery who say bill is being " disputed '' but it being " released from collections '' is not possible. Also on XX/XX/XXXX, speak with original representative from express recovery services that spoke to on XX/XX/XXXX and insinuate that " releasing debt from collections '' is actually possible but unlikely.
XX/XX/XXXX : Ask my insurance to call the hospital billing on the XXXX. They call and tell me that the hospital will " release bill from collections '' and charge insurance. Given my arguing about this for 7 days and them getting this done easily ask them to call in a 3 way fashion so I can confirm and here ( change birth date to correct one with hospital as well ) and confirm XX/XX/XXXX : call collections agency, hospital and have insurance call hospital, all who confirm debt is " released '' from collectors and my insurance is being charged.
My concern is the collectors misleading me telling me I couldn't talk to the hospital or have my debt released so my insurance could pay for it. My insurance would not pay the collectors directly because no line item bill which would force me to pay cash for something that I actually had coverage for. I'm a physician and I hope my patients do not got get tricked into this type of financial hardship because they are told they can't use their insurance since they can't have their " debts released from collectors. '' Of note the letter sent by Express Recovery Services says " Pay this office only '' further making it seem as their staff did that I can not half the hospital billers " release the debt from collections '' so I can actually use my insurance as opposed to be forced to pay cash to collectors since insurance doesn't pay collectors since they need to see line item type bill that only comes from hospital. | Company believes the complaint provided an opportunity to answer consumer's questions | Express Recovery Services, Inc. | UT | 84106 | null | Consent provided | Web | 2021-12-10 | Closed with explanation | Yes | null | 4,944,454 |
2023-06-09 | Credit card or prepaid card | Government benefit card | Problem with a purchase or transfer | Card company isn't resolving a dispute about a purchase or transfer | Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, and in my requested my claim packet before this claim was to be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within XXXX days of me filing a dispute.and stated I only have {$7.00} on a card I never spent unemployment on and been waiting the last 3 years, There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the XXXX, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX There is no way that a thorough investigation could be completed XXXX days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits. They tried to tell me I have to confirm my identity after I just got the new card because the original card was hacked or stolen, I wrote the company my phone died talking to escalations they made it very hard to place the claim which I have stated in 3 closed complaints before this one the card finally came in the mail aboutt 80 days ago and I activated it when the other dispute packets came in which I will tag to this dispute, didnt want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to the bank not wanting to work with me about true matter and stated I never put a claim in but again I was hacked and could verify myself until XXXX in the bank eyes, asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I will not accept 90 more days as I will like to seek max penalties towards Bank of America for trying to send the investigation packets as if The thiefs never happened asked me to call back in the first few times time ( NOW THEY RE SAYING I GOT MY CARD AND I NEVER DID I HAD TO COMPLAIN HERE TO WVEN GET A CARD AND I NEVER USED IT EVER ) ), they bank has set me a claim resolved paper however they didnt give me closure on anything didnt give me proof that they he card was not data breached and stolen out the mail. I cant go online and get in I didnt set anything up and when I call I get told they dont know why Im explaining and the mail from this dispute states three research goes against mine the lack of respect towards me is crazy, I have been uploading facts with the bank breaking every law to me there is, didnt use the full 90 days and I declare the bank show me the steps they took to help me and to investigate this matter! when I call the number that is given on the complaint the extension they give with no response sadly due to my privacy. ( breaking my right ) Bank of America tells me its not a number they transfer to and is unsafe, Total run around, the claim had to be restarted due to the bank not verifying me and is in denial of the law wanting another 90 days, please in force a fast reply would like to apply max penalties if no response within 10-15 days in the portal due to what the law is. I lot had to be every bit of only 2 weeks seeing I placed in 6 claims and they stated I didnt have a claim in properly due to the bank not allowing it due to them unable to verify me however they are being idiots about this being fraud not understanding the questions in place we took from another person and true card has been used or either duplicated to be used and are telling me I got it in the mail. I WANT TO SEEK MAX PENALTIES DUE TO THE LIES TO ME AND THE FAKE INVESTIGATION AS SEEN IN THE BELOW IMAGES I HAVE GOT THE MAIL STATING THEY COSED THE CASE PLEASE FORCE THE CORRECT ACTIONS ON BANK OF AMERICA TO PROTECT MY RIGHTS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MO | 631XX | null | Consent provided | Web | 2023-06-09 | Closed with explanation | Yes | null | 7,095,844 |
2017-04-26 | 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 | After carefully reviewing my credit report for inaccuracies I noticed several and contacted Experian via XXXX Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report. Telling me that they will no longer investigate my complaint and to contact the original creditor. Which I have still have no validation of these debts. XXXX months later I still have no method of verification for the following items XXXX Delaware # XXXX , Louisiana XXXX # XXXX , Louisiana XXXX # XXXX . Experian needs to furnish me with the documents requested or delete these accounts 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. | LA | 70363 | null | Consent provided | Web | 2017-05-23 | Closed with explanation | Yes | null | 2,467,086 |
2019-08-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
XXXX/XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX and XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30034 | null | Consent provided | Web | 2019-08-08 | Closed with explanation | Yes | null | 3,333,196 |
2023-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX CALL THEM TO SEE WHO OPEN AN AUTO LOAN IN MY NAME I REQUESTED THEY DELETE IT NO REPLIES BACK | null | Kornerstone Credit, LLC. | AL | 35173 | null | Consent provided | Web | 2023-06-13 | Closed with explanation | Yes | null | 6,948,975 |
2023-02-22 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | XX/XX/2022 - Received a call from Tek-Collect to collect a debt for XXXX XXXX XXXX XXXX I informed the rep. that the debt was paid by insurance and should not have been sent to collections. The rep. asked if I would like to dispute the debt and I accepted.
XX/XX/2022 - Documents were received from Tek-Collect that were sent to them by XXXX XXXX XXXX XXXX After reviewing the documents I noticed the claim was submitted to my insurance company but filed under another patient 's account at XXXX XXXX XXXX. I called Tek-Collect and spoke with a rep who was unable to assist so I requested to speak with a supervisor. The supervisor I spoke with was XXXX. While on the phone with XXXX I walked him through my findings on the documents and he agreed the debt amount attempting to be collected was incorrect. XXXX then informed me that he would reach out to XXXX XXXX XXXX for more information to get the issue resolved and will keep me updated.
XX/XX/2022 - I receive a call from Tek-Collect to collect a debt. I informed the rep that the collection is under dispute and I haven't heard anything back from XXXX. The rep. then directs my call to XXXX who informs me that since I have an outstanding debt my information is on the call list to collect. He removed my information from the list and informed me that he had not heard back from XXXX XXXX XXXX.
I have disputed the debt with the three credit bureaus more than once. XXXX has acknowledged my complaint and dispute and has since removed the debt from my credit report. However, XXXX and XXXX both show the disputes as resolved and claim the collection amount is correct and verified. | Company believes complaint represents an opportunity for improvement to better serve consumers | TekCollect Inc. | NC | 273XX | null | Consent provided | Web | 2023-02-22 | Closed with explanation | Yes | null | 6,597,015 |
2020-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Therefore, these below disputed inquiries must be deleted ....
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX EQUIFAX MORT Miscellaneous and public record Inquiry date : XX/XX/XXXX EQUIFAX MORT Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
US BKPT CT MO XX/XX/XXXXC Account Info Reference Number XXXX Court Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XX/XX/XXXX | null | EQUIFAX, INC. | TX | 75149 | null | Consent provided | Web | 2020-05-29 | Closed with explanation | Yes | null | 3,673,411 |
2023-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have called XXXX, Transunion and XXXX as well as submitted letters about permissible purpose, validation and incorrect items on my credit report pertaining to inquiries and child support payments from Attorney General. They have refused to remove it and its keeping me from buying a home. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77045 | null | Consent provided | Web | 2023-04-20 | Closed with non-monetary relief | Yes | null | 6,864,548 |
2016-01-14 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | The roe-brat call left a message, at XXXX, Thur. XXXX XXXX, 2016, " This is a debt collector, J.C. Christensen, you must call us at, XXXX.
I have no business with J.C. Christensen or any other debt collector. | null | URS Holding, LLC | CA | 92504 | Older American, Servicemember | Consent provided | Web | 2016-01-28 | Closed with explanation | Yes | No | 1,739,829 |
2022-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | I make a monthly payment for credit monitoring service and credit score that i cant even see that i been having problem with this company for 3 years with and there services continues to give me the same problem over and over even when they say they have investigated what they said they fixed but still nothing. | null | EQUIFAX, INC. | MO | 64134 | null | Consent provided | Web | 2022-08-11 | Closed with explanation | Yes | null | 5,867,968 |
2022-09-08 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I have been a customer of XXXX for at least 30 years. I moved to Florida for XXXX years and I had them there also. I have always given them the opportunity to use my credit card to collect my monthly charge. In XXXX or XXXX I dont remember exactly, I called the company and spent two hours on the telephone to downgrade my current bill. The whole time I was talking to their outsource person possibly in the XXXX, I dont know. After that time went by I was very happy because they downgraded me to a cost that I could possibly afford. They downgraded my XXXX bill to approximately {$100.00} per month. After spending all of that time on the phone with them I neglected to check my statements from XXXX and when I did check my statement, they upgraded me to {$170.00} for one month and {$190.00} for the following month. when I saw my statement I am mediately called XXXX and again spent a number of hours at different times trying to get through to them and all they kept insisting was is that I upgraded and I didnt downgrade. There was no way I wouldve done that. Apparently whoever I was talking to in another country Did whatever they did. I am mediately called my bank, XXXX Bank, and they called it a fraudulent charge and removed it from my account. They have been constantly harassing me even after I moved back to Pennsylvania and will not listen to what I am telling them. I have refused to pay them but I just two days ago and received another bill from them for a total of {$590.00}. They have not even credited me for all of the tools that they gave me and I have been unable to make any progress with them. When I received this bill again yesterday it was after I spoke to them when they called me a few days ago told them the whole story, and all they did was send me another statement for {$590.00}. Ive been with XXXX for many years and have always paid them on time. I have refused to pay this bill and I am asking for your help. Thank you, XXXX XXXX XXXX, | Company believes it acted appropriately as authorized by contract or law | The CMI Group, Inc. | PA | 196XX | Older American, Servicemember | Consent provided | Web | 2022-09-08 | Closed with non-monetary relief | Yes | null | 5,962,298 |
2020-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I submitted a dispute because none of these companies notified me 5 days prior toplacing information on my credit report. I requested proof of an originaln document showing my name and address on it and the credit bureau has not reposded to my requests. The accounts are from ; XXXX XXXX XXXX or XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | XXXXX | null | Consent provided | Web | 2020-04-09 | Closed with explanation | Yes | null | 3,600,570 |
2017-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I saw on my XXXX credit report that there is an account in collections that does not belong to me ( fraud ). I called the collection agency that is listed on X/XX/17 and they were unable to find any account tied to my name and social security number. However, they refuse to remove the account from my report. I also disputed the claim on X/XX/17 with XXXX. They did not remove the fraudulent account from my report. | null | Ability Recovery Services, LLC | NJ | 07105 | null | Consent provided | Web | 2017-08-07 | Closed with explanation | Yes | null | 2,597,538 |
2020-05-01 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | I was victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The creditors calls and harass me daily for debt. I explained the set is not mines. They sent me some billing info with incorrect addresses and i explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and i am still fighting that. I hired a credit repair company to help me with these disputes, as i am new to this. They are not coorporating and states that they are willing to take a settlement. I don't know what else to do so i am finally coming to you guys for some guidance please. I BELIEVE THERE ARE MULTIPLE ACCOUNTS PLACED WITH THIS COMPANY AND THEY ARE COOPORATING | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | MA | 02780 | null | Consent provided | Web | 2020-05-07 | Closed with explanation | Yes | null | 3,632,507 |
2019-10-15 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I had opened a citi bank credit card on XX/XX/2019. In order to open this card you needed to connect your bank account to put your own money on the credit card. It is not borrowed money from the credit card. You can only spend what you deposit onto the card. I deposited {$900.00} onto the card. Which came out of my bank account. On XX/XX/XXXX I had spent ONLY {$900.00} on a purchase. Which was my money I deposited onto the account. After i had spent my money that was in the card to make the balance {$0.00}. I called and closed the account because i only needed the card for 1 purchase. So on XX/XX/2019 the account was closed. On XX/XX/2019 I got something saying my minimum payment of {$25.00} was due. I didn't understand this because I had closed the account. Didn't borrow any money from them. Only used exactly to the XXXX what I had deposited onto the card. And now they are calling me telling me I owe them over {$200.00} when I had closed the account before the billing cycle. And only spent my money that I deposited. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MN | 550XX | null | Consent provided | Web | 2019-10-15 | Closed with explanation | Yes | null | 3,405,404 |
2023-06-09 | 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 1st 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 alleged fraud or extortion.
XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/2023 | null | EQUIFAX, INC. | DE | 198XX | null | Consent provided | Web | 2023-06-09 | Closed with explanation | Yes | null | 7,093,482 |
2022-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$1000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$580.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$300.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$910.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$1100.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX AC # XXXX, XXXX, Amount {$560.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXXXXXX XXXX, AC # XXXX, XXXX, Amount {$530.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$4600.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$5900.00}, This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33025 | null | Consent provided | Web | 2022-02-23 | Closed with non-monetary relief | Yes | null | 5,254,647 |
2023-04-20 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
See the documents attached. | null | EQUIFAX, INC. | LA | 70508 | null | Consent provided | Web | 2023-04-20 | Closed with explanation | Yes | null | 6,867,994 |
2022-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77015 | null | Consent provided | Web | 2022-09-19 | Closed with non-monetary relief | Yes | null | 5,997,142 |
2023-08-09 | 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 | I pulled my credit report and noticed several non-mailable addresses.
To ensure I receive all mail from the United Postal Service i asked that they remove the additonal address and to send me a updated report a couple months ago and they never did it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60608 | null | Consent provided | Web | 2023-08-09 | Closed with non-monetary relief | Yes | null | 7,367,366 |
2022-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I did not apply nor authorize XXXX XXXX to run my credit for a credit card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 362XX | null | Consent provided | Web | 2022-06-07 | Closed with non-monetary relief | Yes | null | 5,642,565 |
2021-01-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11213 | null | Consent provided | Web | 2021-01-15 | Closed with explanation | Yes | null | 4,070,295 |
2022-06-21 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Company refused to validate the debt with documents bearing my signature. I am unsure how they received my private medical information and have reason to believe my HIPAA rights have been violated. | Company believes it acted appropriately as authorized by contract or law | AmeriCollect | IL | 60516 | null | Consent provided | Web | 2022-06-21 | Closed with explanation | Yes | null | 5,693,190 |
2019-07-19 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | They are calling my place of business and me and my wifes personal cell phone trying to collect a debt my father is. I have nothing to do with it. The name of the company is Account Control Technology | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Account Control Technology, Inc. | FL | 32507 | null | Consent provided | Web | 2019-07-19 | Closed with explanation | Yes | null | 3,312,604 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXXXXXX 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 **DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general 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. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.15 U.S. Code 1681s-2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Under the Family and Educational Act of 1974 the student loan accounts are in violation. I am opting out of your reporting services. '' | null | EQUIFAX, INC. | OH | 44035 | null | Consent provided | Web | 2023-05-01 | Closed with explanation | Yes | null | 6,916,780 |
2020-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It May Concern, I was looking through my credit report the other day on XX/XX/XXXX. I noticed there was 2 inaccurate hard inquiry 's on my file. On XX/XX/XXXX I called each company to see if I had an account with them in anyway they both said no so I asked them why it's there and there customer service reps were basically saying it should be removed however due to corona virus there is nothing we can do at this time. These are the 2 that i never authorized, never gave anyone any permission and is clearly 100 % fraud XXXX hard inquiry from XX/XX/XXXX XXXX card XX/XX/XXXX they could not provide any proof that I have any such accounts with them. I asked to see proof nothing was given. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08043 | Servicemember | Consent provided | Web | 2020-04-21 | Closed with explanation | Yes | null | 3,615,941 |
2023-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXXI XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights .
15 U.S.C. 1681 Section 602A states I have a right to privacy.
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C. 1681C. ( a ) ( 5 ) 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 more than seven years.
15 U.S.C. 1681S ( a ) ( 1 ) states that 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. | NC | 28590 | Servicemember | Consent provided | Web | 2023-03-10 | Closed with non-monetary relief | Yes | null | 6,672,393 |
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 and XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29205 | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,606,014 |
2021-11-12 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Credit collection services XXXX XXXX XXXX, XXXX, MA XXXX. Has been sending me notice balance {$690.00} The collection has reported as a pass due balance. I dont know this company. I never done any business with this company. This company doesnt have a contract with my signature. | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | IL | 603XX | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,902,060 |
2019-12-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In XX/XX/2019 I filed a complaint regarding information provided to my credit card XXXX by Equifax that caused XXXX to reduce my credit limit ( XXXX-XXXX ). As of this date I have not received any response from Equifax providing me with the same information they provided to XXXX or whether or not Equifax corrected my Credit Report.
On XX/XX/2019 I sent correspondence to XXXX XXXX at their " dispute '' office in South Dakota requesting the information received from Equifax that prompted them to reduce my credit limit. As of this date I have not received any response from XXXX or their Dispute Office. | null | EQUIFAX, INC. | PA | 187XX | Older American, Servicemember | Consent provided | Web | 2019-12-12 | Closed with non-monetary relief | Yes | null | 3,466,803 |
2020-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On XX/XX/2020 I have contacted XXXX, Transunion, and XXXX to let them know that the addresses on my report were not mine. They stated they could not fix that for me at this time. Also, Inquiries that were on both my reports I had explained to them I do not have any accounts with them and that I never gave the people permission to use my information. They again stated to contact the companies to have them removed. I had contacted the companies and no information is in their system to show I have any account with them. Also, with XXXX my name for under known alias is wrong and for my middle name they put XXXX instead of it being an XXXX. I have already filed a complaint with the Federal Trade Commission too. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23435 | Servicemember | Consent provided | Web | 2020-08-21 | Closed with explanation | Yes | null | 3,807,707 |
2021-02-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I contacted Nelnet on XX/XX/XXXX via email explaining the error reported on my credit report. I received a copy of my latest credit report and I see two XXXX of Ed/Nelnet accounts are reporting inaccurately on my credit report. The account payment status is showing 120 days past due. My account has been transferred in XXXX. Why is still reporting as 120 days late for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This is re-aging a closed account. This inaccurate account is hindering me from future lending. Please delete both accounts from my credit report. | null | Nelnet, Inc. | MD | 20874 | null | Consent provided | Web | 2021-02-11 | Closed with explanation | Yes | null | 4,131,722 |
2017-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In XXXX XXXX our mortgage was transferred to this company from XXXX. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays dateXXXX XXXX and Experian are still reporting this account. We simply want it removed.
XXXX agreed to remove this. See attached letter. Yet it has not happened. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 985XX | null | Consent provided | Web | 2017-11-09 | Closed with non-monetary relief | Yes | null | 2,725,616 |
2022-06-16 | 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 Report act XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency cant furnish a account without my written permission | null | EQUIFAX, INC. | NJ | 07030 | null | Consent provided | Web | 2022-06-16 | Closed with explanation | Yes | null | 5,673,820 |
2023-07-31 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | I have a Wells Fargo Visa XXXX XXXX card. It was in the terms of the card that if I spend {$50000.00} on the card in a XXXX span, my redemption rate for airfare would increase to XXXX per point. I was aiming to achieve this benefit between XX/XX/XXXX and XX/XX/XXXX.
In a call to Wells Fargo in XXXX or XX/XX/XXXX I got confirmation of this benefit, the representative found the bullet point about it in the terms and read it to me, and told me that the redemption value should change automatically once I spent the {$50000.00}. Wells Fargo keeps summaries of customers calls in their records.
It seems that the terms of the card were updated in XXXX and the benefit I was working toward was removed. I was not notified of the change to the terms, and continued to use the card for every transaction I could in an effort to reach the threshold.
Once I reached {$50000.00} in XXXX and noticed the redemption rate had not changed, I called Wells Fargo to find out why. No one could give me an answer and the credit card team and rewards team just kept sending me back and forth between each other. When I checked the card terms it said at the top it was updated in XXXX, so I inferred that the airfare redemption rate benefit was removed.
I find it suspicious that it was removed so soon after my call confirming I was understanding the benefit correctly. I dont know about the legality of changing the terms of a card without notification but it is a shady business practice at the least.
Ive been a cardholder for 11 years and was finally going to achieve the chief benefit of the card, only to have XXXX pull the rug out. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | MA | 025XX | null | Consent provided | Web | 2023-07-31 | Closed with explanation | Yes | null | 7,324,871 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | I have requested on multiple occasions for Kikoff Lending to close my account. They have not closed it, but instead reported negatively on credit bureaus. I requested this account be closed because I can not afford it. It's not a loan. You pay them money on a monthly basis and they report positive to credit bureaus. I've tried to close the account on my own and it won't let me log in even after changing my password, but instead tries to make me open a NEW account, then tell me my information is already associated with another account. Customer service told me they could not vetify my account. | Company believes it acted appropriately as authorized by contract or law | Kikoff Inc. | PA | 186XX | null | Consent provided | Web | 2023-09-05 | Closed with explanation | Yes | null | 7,501,234 |
2022-09-04 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | Someone opened an online account under my checking account added their name to mine on my account. XX/XX/2022 {$34000.00} The Bank called me and asked if I opened another bank account online, I said no.
XX/XX/2022 Person transferred to another account transferring to their account {$34000.00} in their name only and took all my money.
My account is showing - {$34000.00}. All done on XX/XX/2022 I went to Branch, and they put a credit only on account that it happened to and I had to open a new account I went to Police Dept and filled out a report I filled out the affadavit the Bank sent me with license, SS card and passport and was told I would have the money back in XXXX days. Every day I call I get a different response.
The latest response was that there is a lot of claims and backlog. It will take longer. I am buying a house and this is ridiculous I need to verify funds for mortgage closing and this is holding me up. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 140XX | Older American | Consent provided | Web | 2022-09-04 | Closed with monetary relief | Yes | null | 5,948,895 |
2023-08-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts.
XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NY | 11219 | null | Consent provided | Web | 2023-08-21 | Closed with non-monetary relief | Yes | null | 7,428,773 |
2017-03-01 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit. | null | AR Resources, Inc. | VA | 22193 | Servicemember | Consent provided | Web | 2017-03-01 | Closed with explanation | No | Yes | 2,367,218 |
2021-03-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | RE : XXXX XXXX XXXX XXXXXXXX - I was never late on this account, To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation of status of account. Under FDCPA I have the right to request validation of status of my account. you say I owe you.
This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60007 | null | Consent provided | Web | 2021-03-12 | Closed with explanation | Yes | null | 4,205,966 |
2021-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29340 | null | Consent provided | Web | 2021-05-06 | Closed with explanation | Yes | null | 4,355,453 |
2022-10-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : - ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77340 | null | Consent provided | Web | 2022-10-05 | Closed with non-monetary relief | Yes | null | 6,050,931 |
2021-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Re : This is not a regular dispute. Take action immediately you are in violation.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau XXXX : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC | null | EQUIFAX, INC. | TX | 77489 | null | Consent provided | Web | 2021-06-29 | Closed with explanation | Yes | null | 4,502,168 |
2023-08-25 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | If, after any reinvestigation under the paragraph ( 1 ) of any information diputed 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 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 ; and | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 32962 | null | Consent provided | Web | 2023-08-25 | Closed with explanation | Yes | null | 7,454,393 |
2022-12-11 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/XXXX, I attempted to make a payment via XXXX using American Express ' Send & Split feature. I had already successfully added a balance of {$870.00} to my Send Account ( which is required before sending funds ), but when I tried to complete the payment via XXXX, I received an error message on the XXXX app to the effect of " Something went wrong, we could not complete your payment. '' However, when I logged into my American Express account, and viewed the Send & Split balance, it showcased a completed transaction of {$870.00} to the XXXX recipient. After confusion, I reviewed XXXX again and there was no record of the payment going through.
So Amex reflected the transaction as completed, but XXXX did not receive it. I chatted with XXXX customer service ( I have a transcript as well ) and they informed me that since the payment did not go through I would have to reach out to the bank issuer ( Amex ) to resolve it.
I opened a dispute with Amex over it and they at first did not want to dispute it because to them, the transaction was " completed. '' I told them it was not, and sent the transcript with the XXXX agent proving this. They promised to get me a decision in 7-10 days, but have not resolved it or given me any updates. I followed up with Amex, and they continue to tell me they're " working on it. '' This is a significant amount of money that I trusted Amex to send on my behalf. And, since I still owed that money to the recipient, I had to send another {$870.00} via a different service to them ( XXXX, which did work - thankfully ). I am hoping that you can help me get this resolved, since it was not my fault and was due to a glitch on Amex or XXXX. | null | AMERICAN EXPRESS COMPANY | HI | 96706 | null | Consent provided | Web | 2022-12-11 | Closed with monetary relief | Yes | null | 6,307,238 |
2022-11-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Personal identity theft regarding opening credit cards using my social security number and personal information.
XXXX. XX/XX/XXXXXXXX SYNCB/AMAZON ( bank ) 2. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX XXXX ( finance ) XXXX. XX/XX/XXXX SYNCHRONY ( bank ) XXXX. XX/XX/XXXX XXXX ( finance ) XXXX. XX/XX/XXXX XXXX XXXX ( finance ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10016 | null | Consent provided | Web | 2022-11-28 | Closed with non-monetary relief | Yes | null | 6,252,331 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Ive disputed a US BKPT CT IL XXXX Reference number XXXX with the credit bureaus Experian, XXXX, and XXXX -Which two of them ( EXPERIAN AND XXXX XXXX confirmed the public record was verified by the court. I asked Experian and XXXX to disclose their method of verification on the alleged bankruptcy they are reporting. They replied to me with the bankruptcy being verified. I then reached out to the courthouse and their correspondence to my letter was that they do not verify or validate information from consumers ' credit files.
In accordance with the Fair Credit Reporting act 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 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 | 604XX | null | Consent provided | Web | 2023-02-10 | Closed with explanation | Yes | null | 6,551,510 |
2019-05-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | THE 3 BUREAUS AT IT AGAIN putting their names on other company hiding as another company so they don't have to honor the opt out b/c of ID theft of Ftc violation s | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77084 | null | Consent provided | Web | 2019-05-05 | Closed with explanation | Yes | null | 3,232,623 |
2023-08-08 | 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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer. | null | EQUIFAX, INC. | FL | 337XX | null | Consent provided | Web | 2023-08-08 | Closed with explanation | Yes | null | 7,362,069 |
2015-08-19 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | I have played all my collection accounts off how come there still on my credit report stating open account XXXX. XXXX. I paid off all of them. Its affecting my account I have sent many dispute letters and its still on there why. | null | ENCORE CAPITAL GROUP INC. | CA | 956XX | null | Consent provided | Web | 2015-09-28 | Closed with explanation | Yes | No | 1,526,018 |
2017-08-20 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | I began repayment of a private co-signed student loan on XX/XX/XXXX in the original amount of {$16000.00}. As of today, XX/XX/XXXX, I have paid a total of {$21000.00} with {$8600.00} allocated to principal and {$12000.00} allocated to interest. However, {$13000.00} was added to my principal in the form of capitalized interest. My present balance on the loan is {$15000.00}.
{$470.00} is the only amount out of my {$21000.00} worth of payments that has been used to pay off my loan. | null | Navient Solutions, LLC. | LA | 70119 | null | Consent provided | Web | 2017-08-20 | Closed with explanation | Yes | null | 2,623,384 |
2021-04-12 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/XXXX, made purchase of XXXX XXXX Ticket Number XXXX in the amount of {$220.00}. Dispute was initiated for same on or about XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX made refund to card for a different ticket number ( XXXX ) and amount ( {$220.00} ). However, because the ticket numbers both end in same last XXXX digits, Chase Bank erroneous believed that I had both been credited from the dispute and via refund from merchant, XXXX XXXX, and rebilled my account for {$220.00}.
Upon attempting to utilize XXXX XXXX Ticket Number XXXX, on XX/XX/XXXX, merchant advised that the ticket was in a dispute status and could not be utilized. Therefore, because of Chase Banks erroneous rebilling, as merchants refund received was for ticket number XXXX, not the disputed ticket number XXXX I am requesting that this amount ( {$220.00} ) be credited to my account - the amount paid for XXXX XXXX Ticket Number XXXX. | null | JPMORGAN CHASE & CO. | VA | 22204 | null | Consent provided | Web | 2021-04-12 | Closed with explanation | Yes | null | 4,291,320 |
2017-05-05 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | One day, when logging into my account, I noticed that there were quite a few fees charged for " non chase ATM fee - Inq ''. I immediately thought that this was strange as I have the chase app on my phone as well as online access to check my account. I would never need to check my balance at an ATM. I called Chase and let them know that I did not do this and they agreed to refund the fees. Then, a few days later, I noticed that there were even more fees and also ATM withdrawals from my account that I did not initiate. I believe that my debit card must have been skimmed at some point and the thief 's were checking my account balance so that they could withdraw funds. I immediately called Chase and let them know that my debit card had been frauded and filed a claim to get my funds back. Initially, Chase refunded the withdrawals and fees that were taken out of my account. However, about a week or so later, I received communication from Chase that my claim was being denied and that they were reversing the refund of the disputed transactions. I called Chase to find out why this was being denied and to try and file an appeal. They stated that since I had logged into my account the day the original fraudulent transaction occurred, and did n't report it immediately, that they consider the withdrawals correct and made by me. This is ridiculous! Many times such things as withdrawals or charges do n't show up online until the next day! I spoke with a supervisor at Chase and they told me the same thing, the withdrawals were considered " correct '' and done by me because I logged into my account that day. I asked the supervisor to please provide me with the locations of the withdrawals and to provide pictures from the ATM showing the person who was making the withdrawal. I was told that Chase would not release that information to me and to file a police report and have the police contact them for this information. I used some profanity and told the supervisor that Chase were criminals. I then went to the police to file a report and was told they do n't deal with things such as this as it was under a {$10000.00} claim. Now I 'm stuck without any other options pursue to somehow get this resolved and do n't know what else to do. | null | JPMORGAN CHASE & CO. | CA | 91384 | null | Consent provided | Web | 2017-05-05 | Closed with monetary relief | Yes | null | 2,476,706 |
2021-11-17 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | I received a call from Pro Com collection agency. I asked what the bill was that they were trying to collect on since I pay all bills recieved. They told me that the bill was sent to them by XXXX XXXX ( labratory billing service ) and that the bill was for a XX/XX/2019 date of service in the amount of {$44.00}. They were not able to give me an account number. I went on the XXXX XXXX of IL website and did not see a claim for that date/amount. I then called XXXX XXXX and spoke to XXXX. She said that they had never received a claim for that date/amount but that I did have a claim for that date with XXXX XXXX XXXX XXXX She then called XXXX XXXX XXXX ( who's bill was paid in full ) and was told that I had a urinalysis on that date and that they sent it to XXXX XXXX XXXX for a culture test to be performed. XXXX handles the pathology billing. She then called XXXX and spoke to XXXX ( Supervisor ). XXXX was unable to find my name or that date of service in their system and said he had to have an account number. I have tried to get XXXX to do further research and check collection files for the last few months to find this account but they do not seem willing to do so. They tell me that they will call me back, but never do. I am at a loss, I was unaware of this bill, my insurance was never billed and now neither the collection agency OR the billing company will take the steps to clear this up. I need help!!! | Company believes complaint caused principally by actions of third party outside the control or direction of the company | Pro Com Services of Illinois, Inc. | IL | 62526 | null | Consent provided | Web | 2021-11-17 | Closed with explanation | Yes | null | 4,921,473 |
2021-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 386XX | null | Consent provided | Web | 2021-01-04 | Closed with explanation | Yes | null | 4,045,487 |
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 | Their investigation did not fix an error on your report | The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are thieves and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. WELLS FARGO proved themselves to be thieves. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the executive gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! Wells FARGO we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff can't even eat! and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33313 | null | Consent provided | Web | 2022-09-12 | Closed with explanation | Yes | null | 5,974,328 |
2019-08-12 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I received a letter from Midland credit management company XX/XX/2019 with a threat to forward my debt to a lawyer. If I did not pay XXXX I repeatedly get phone calls from this company. I have never opened an account with this company. I have never signed a contract or opened credit with them. I am currently working on a credit valatiion letter and a cease to contact. They continually call. I want them off my credit reports as well. Companies should not have so much power to try and scare you into paying them. Everyone has problems in their life. Making threats to sue or jail seizing property is ridiculousle Than you for your help | null | ENCORE CAPITAL GROUP INC. | TX | 756XX | Servicemember | Consent provided | Web | 2019-08-12 | Closed with non-monetary relief | Yes | null | 3,336,952 |
2020-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | ID | 83709 | Servicemember | Consent provided | Web | 2020-06-24 | Closed with non-monetary relief | Yes | null | 3,713,503 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Hello, I received my Transunion consumer report and noticed that they have an incorrect spelling of my name. I contacted Transunion to dispute/remove this, and they informed me that they couldn't do it. I understand that it is the responsibility of the credit reporting agencies to ensure that the information is accurate, as listed in 15 U.S Code1681. The spelling of my name has never been anything other than XXXX XXXX XXXX. Please remove the incorrect spelling of XXXX XXXX from my TransUnion consumer report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 114XX | null | Consent provided | Web | 2023-05-04 | Closed with non-monetary relief | Yes | null | 6,932,667 |
2020-10-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the XXXX from a XXXX XXXX scare then seeing all these fraudulent accounts on my credit has increased my XXXX level tremendously. | null | EQUIFAX, INC. | FL | 32303 | null | Consent provided | Web | 2020-10-08 | Closed with explanation | Yes | null | 3,887,729 |
2020-09-06 | Debt collection | Auto debt | Written notification about debt | Didn't receive notice of right to dispute | This company has changed its information a few times and reported inaccurate information consistently. From being included on a bankruptcy, incorrect amounts, now incorrect dates ( date of major delinquency now XX/XX/20 ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Avid Acceptance, LLC | GA | 30188 | null | Consent provided | Web | 2020-09-15 | Closed with explanation | Yes | null | 3,832,546 |
2023-01-25 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I received message from XXXX XXXX concerning Conoco credit card threatening to take action against if I didn't pay card is under name which is my married from divorce in XXXX my name I no longer use and my social security # was used.the phone was XXXX, old phone #. Can not get any response online or by phone just say I have to pay.I have alerts at all credit agencies and am fixing to call bank I in no way am responsible for this credit card. retired drive a 20 year old car that barely runs help pleay | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | OK | XXXXX | Older American | Consent provided | Web | 2023-01-25 | Closed with explanation | Yes | null | 6,484,513 |
2022-10-01 | 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 | XX/XX/XXXX I submitted a written request asking for copy of credit report as I have ITIN number. As I did not received anything I ended up calling XX/XX/2022 requesting copy of credit report. representative had stated that I would be getting a copy of credit report within the next 6 to 7 business days. Representative with experian stated that the reason to why I have not received a copy of credit report is because they have a second last name which is XXXX but on my document with my ITIN number given to me by the IRS it does not have my second last name not sure how they got my second last name but I have attached copy of documents to verify identity. Bureau have my name as XXXX XXXX XXXX XXXX I never use my second last name! I have only received copy of credit report with XXXX XXXX still missing Experian and XXXX. XX/XX/2022 I called Experian and XXXX a second time requesting credit report as I have not received anything up to this date. XX/XX/2022 I contacted Experian but I was unable to get a hold of a rep. I have the right to a free credit report and I have submitted copy of documentation stating verification that identity is mine. Yet nothing has came in the mail. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IA | 50320 | null | Consent provided | Web | 2022-10-01 | Closed with explanation | Yes | null | 6,039,107 |
2018-03-20 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I was with XXXX for 2 years. Contract if any is expired already!!! I cancelled over the phone repeatedly 3 months ago, They have some stupid incompetent desk clerks phone answers. Took over 10 minutes before they could comprehend the simple meaning CANCEL my account, PLUS, they were cryptic about there version a FREE 3rd line. HOW would I continue to have a phony ghostline still open when I told this inapt phone answerer to cancel my account. That simple!!! NOW 3 months later they enrage and harass me with some dishonest collection agency sending me there obfuscation bill for XXXX, Where did this phony amount come from?! WHY was I never informed they were trying to cheat and defraud me because I cancelled. There miserable reputation for idiotic customer service is still true today!! Lousy reputation for sloppy incompetent customer service!!! I already paid my 2 lines when I cancelled!!! I have no clue where they self created this fraudulent debt from! Waste of time at there mismanaged stores, obviously set up that way to be intentionally futile and opprobriously malignant to get them to fix there own sloppy insulting blunders | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Receivables Performance Management, LLC | CA | 94112 | null | Consent provided | Web | 2018-03-20 | Closed with explanation | Yes | null | 2,849,265 |
2021-06-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I contacted Experian and XXXX on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about 2 UNVERIFIABLE bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. Experian and XXXX says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. Experian and XXXX can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If Experian and XXXX don't delete them I will be looking for an attorney. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60402 | null | Consent provided | Web | 2021-06-28 | Closed with explanation | Yes | null | 4,499,453 |
2023-09-05 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Investigation took more than 30 days | I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. | null | EQUIFAX, INC. | TX | 75228 | null | Consent provided | Web | 2023-09-05 | Closed with non-monetary relief | Yes | null | 7,501,402 |
2022-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/2022 Dear XXXX XXXX XXXX l, First Name & Last Name, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1. Account Name : XXXX XXXXXXXX Account Number : XXXX 15 U.S.C 1 681 section 602 A. States I have the right to privacy.
15 U.S.C 1 681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation XXXX. Account Name : XXXX XXXX Auto Account Number : XXXX XXXX XXXX XXXX 681 section 602 A. States I have the right to privacy.
15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately, unless you want to be held {$1.00} XXXX per violation Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20783 | null | Consent provided | Web | 2022-07-29 | Closed with explanation | Yes | null | 5,823,539 |
2019-03-22 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | XXXX debt collections keeps sending my letters and reporting false information stating i owe a medical debt i have sent several letters asking for validation but yet i have not received correct documents | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HCFS Health Care Financial Services, Inc. | TX | 77089 | null | Consent provided | Web | 2019-03-22 | Closed with explanation | Yes | null | 3,187,627 |
2018-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | After reviewing my credit report, there's 2 inquires that has been fraudulently or mistakenly put on my report. The inquires are XXXX XXXX ( XX/XX/XXXX ), 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. | MO | 63118 | null | Consent provided | Web | 2018-06-16 | Closed with non-monetary relief | Yes | null | 2,937,974 |
2022-07-03 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I got a pre approval from Bank of America for a Bank of America ( R ) Customized Cash Rewards credit card after submitting my application I was met with being denied. This to me the consumer is False and Misleading statements as I was baited into believing I was approved after applying And submitting my application I was denied. This left a inquiry on my credit report damaging my consumer reputation and I did not benefit from the transaction leaving me with nothing but damage and Bank of America gained a credit Application. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 75482 | null | Consent provided | Web | 2022-07-03 | Closed with explanation | Yes | null | 5,730,720 |
2019-11-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I checked my credit using XXXX on XX/XX/XXXX and noticed that there were opened and closed accounts, collections, and inquiries on my credit profile that I did not authorize and have no knowledge of how they got there.
XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9900.00} XXXX Card Acct # XXXX opened : XX/XX/XXXX Balance : {$4700.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Acct # XXXX opened : XXXX XXXX Balance : {$0.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$9600.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$10000.00} XXXX/XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$4400.00} XXXX XXXX Acct # XXXX opened : XXXX XXXX Balance : {$2500.00} XXXX/XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$800.00} Illinois XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$930.00} XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX Balance : {$0.00} XXXX/ XXXX XXXX XXXX Acct # XXXX opened : XX/XX/XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX Acct XXXX XXXX opened : XX/XX/XXXX Balance : {$0.00} Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX | null | AMERICAN EXPRESS COMPANY | IL | 60616 | null | Consent provided | Web | 2019-11-27 | Closed with explanation | Yes | null | 3,452,719 |
2023-04-03 | Credit card or prepaid card | Store credit card | Problem when making payments | Problem during payment process | I have three store credit cards ( XXXX XXXX Musician 's Friend, and Ashley Furniture Home Store ) that are handled through Synchrony Bank. On XX/XX/XXXX, I logged into the mysychrony online portal to make a payment on all three accounts. Ashley Furniture was due on XX/XX/XXXX and the other two were due on XX/XX/XXXX. There are only two checking accounts associated with the portal ( my XXXX and my husband 's account ). On XXXX, XX/XX/XXXX I received an email that there was an issue with the banking information I provided. The information for my XXXX XXXX XXXX was incorrect and the payments would be cancelled. I logged into the portal, but it showed the payments processing and again only showed the two checking accounts. On Monday, XX/XX/XXXX I received an email that the payments had been cancelled. All three accounts had a late fee charged. I spent over an hour trying to get this resolved, I did get the late fee waved, but no one knows what the issue is. I have never had XXXX XXXX XXXX and neither has my husband. XXXX XXXX Bank is located in my hometown, XXXX hours away, and my parents have an account there. I have never had an account with XXXX XXXX XXXX. Furthermore, my parents do not have access to mysychrony and do not even know I have those XXXX store credit cards. I have no idea how Synchrony Bank got access to XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | KY | 40291 | null | Consent provided | Web | 2023-04-03 | Closed with explanation | Yes | null | 6,788,098 |
2020-12-08 | 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 | This is my formal communication in an effort to get this inaccurate and invalid account from my credit report. I have sent several dispute requests to Equifax and XXXX to investigate the XXXX XXXX account, which is reporting inaccurately on my credit report because I have NEVER done any business with XXXX XXXX & they are reporting this account as if they are the original creditor when they are NOT.
I sent a communication to XXXX XXXX XXXX XXXX, requesting validation of this debt and they sent me a communication stating they were a 3rd Party Debt collector, collecting on behalf of Purchasing Power. However, if you take a look at my credit report ( see attached ) XXXX XXXX is reporting on my credit report as an " original creditor '' who has charged off an account in my name and transferred it.
I have attached a copy of how this account is reporting to my XXXX and Equifax report, and if XXXX and Equifax were conducting a proper investigation they could easily determine that this account shouldn't be reporting as an " original creditor '' to who I owe a debt to.
Also, if you take a further look, XXXX XXXX XXXX XXXX is reporting a payment status of charged-off on XXXX, but as " Late 120 Days '' on Equifax. Additionally, Equifax is double reporting this same account as a " charge off '' and as a " collection '', which is a clear violation of the FCRA. It's clear that XXXX XXXX XXXX XXXX is conducting deceitful and unfair practices in an attempt to coerce me into paying a debt, I HAVE NEVER OWED TO THEM and haven't validated that I have even opened up this account with them.
I've exhausted my attempts to correct the inaccurate and invalid account with the credit bureaus and they have refused to do so. My next step is to contact my attorney general followed by a civil lawsuit against all 3 companies. | null | EQUIFAX, INC. | TX | 76006 | null | Consent provided | Web | 2020-12-08 | Closed with explanation | Yes | null | 3,998,297 |
2023-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Paid off - Balance {$270.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Utility Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Status Collection account. {$270.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Past due amount {$270.00} Original balance - Monthly payment - Additional info Responsibility Individual Terms 1 Month Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11706 | null | Consent provided | Web | 2023-05-26 | Closed with explanation | Yes | null | 7,027,641 |
2020-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have reply contacted XXXX and Experian to remove account that are reporting invalidly reporting the following accounts are incorrect XXXX XXXX ( XXXX XXXX ) the balance is XXXX not XXXX ; XXXX was never late, XXXX was never late and doesn't have a balance its paid in full as agreed XXXX ; XXXX XXXX XXXX was never late its paid in full balance XXXX. XXXX XXXX XXXX XXXX and XXXX are both due to ID Theft and need to be removed in their entirety. I have received notices that the items were deleted and updated and somehow they were re-inserted invalidly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60477 | null | Consent provided | Web | 2020-05-20 | Closed with non-monetary relief | Yes | null | 3,661,367 |
2022-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I returned my XXXX XXXX lease in 2016 after lease was complete and my account was closed. My account status should not reflect late or deliquent. My account status should say closed. | null | EQUIFAX, INC. | TN | 381XX | null | Consent provided | Web | 2022-07-10 | Closed with explanation | Yes | null | 5,755,837 |
2022-05-02 | 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 fait credit reporting act XXXX account number 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29615 | null | Consent provided | Web | 2022-05-02 | Closed with non-monetary relief | Yes | null | 5,524,394 |
2018-10-12 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I have been repeatedly called by D2 Mgmt. regarding a debt that they say I owe to XXXXXXXX XXXX on an account they say was opened on XX/XX/2006. D2 states that I owe {$1600.00}. I have told them each time they call me that I do not owe them or XXXX XXXX anything, that I am on permanent XXXX and that I will not pay them a XXXX on a debt that I do not owe. D2 representatives have bullied me, threatened me, stated they will sue me, and refuse to cease and desist calling my telephone. I have checked my credit reports with 3 different credit bureaus at least once a year since 2006 and there has never been an account with XXXX XXXX shown as in collection or delinquent on any of them. Frankly, I am tired of this company 's threats. Today, I finally told their representative that if they believe they can sue me for a debt that I do not owe, they should do so and stop calling me. The D2 rep did her best to scare and intimidate me and has repeatedly lied to try to get me to pay a debt that I am not responsible for paying. I want it to stop! | null | D2 Management LLC | CA | 95833 | null | Consent provided | Web | 2018-10-12 | Closed with explanation | Yes | null | 3,044,601 |
2020-08-10 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Credit card company won't increase or decrease your credit limit | I have been with Capital One for over 4 years and never received to a credit line increase. I was always told that I would have to request on to go online and sign in into my account to request an increase. I requested a increase in XX/XX/XXXX and was denied showed a credit score back in XX/XX/XXXX. I called and basically was told to retry in 60 days. I then requested another increase in XX/XX/XXXX and was denied. Stated due to account passed do 60 days. When called was told because one of my accounts in XXXX was passed due 60 days. To try in XXXX and to keep paying on time as you are doing. While on my account paying my Capital One bill I applied for a card and was denied then I requested an credit line increase and was denied. The credit card said I would receive something in 7-10 days. I received an email regarding the credit line increase to check my account under documents. When I checked the reason it stated I was denied for credit line increase was due to ( TO MANY CREDIT INQUIRIES ). I have 6 inquiries on my credit report 4 from Capital One, 2 regarding my daughter 's school loans. When I called again today on XX/XX/XXXX spoke with a supervisor and was told nothing I can do it is what it is. That he has credit card and its hard for him to get an increase. That's as a customer I don't want to hear and is not pertaining to the call is about. I have tried to call and I sent in a letter regarding my issue and from the phone call basically never had my question answered from the letter basically told me to go online and gave the procedures. As a customer trying to do business with Capital One is not pleasant experience. And the customer service tells you anything to get you off the phone and will transfer to any department to pass you along to someone else. | null | CAPITAL ONE FINANCIAL CORPORATION | MD | 20747 | null | Consent provided | Web | 2020-08-10 | Closed with explanation | Yes | null | 3,787,693 |
2023-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I called your department after I purchased a credit report with XXXX XXXX on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible.
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.
Im requesting that you follow the law by removing these inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11219 | null | Consent provided | Web | 2023-06-19 | Closed with non-monetary relief | Yes | null | 7,132,996 |
2023-03-02 | Checking or savings account | Other banking product or service | Problem with a lender or other company charging your account | Transaction was not authorized | I was chase private client customer, I was getting free safety deposit box, chase downgraded my account to premium checking back in XXXX XXXX, I was not charged any fees for safety deposit box till now, Chase is saying that they sent me letter back in XX/XX/XXXX about charges, I never received that letter, now they charged me unauthorized fees for locker and when I am telling them that please close locker and refund my fees, they are saying even if you close locker your fees will not be refunded. | null | JPMORGAN CHASE & CO. | NJ | 07054 | null | Consent provided | Web | 2023-03-02 | Closed with explanation | Yes | null | 6,639,658 |
2022-04-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | How can I challenge Experians score? ( And others for that matter )? Its impossible to speak to anyone! I even wrote a dispute involving the XXXX credit card to get someones attention, but it hits a brick wall. Can't speak with anyone, get hung up on, and Experian says they are just a monitoring service and say it's Myfico that furnishes the credit score. Myfico says they only use the data furnished by the credit bureaus. The bank ( chase ) forwards me to XXXX XXXX which is part of Myfico. Very frustrating...
Case : I had an exceptional credit score ( XXXX ) before I applied for a XXXX XXXX Credit card in XXXX XXXX. My credit score dropped XXXX points to ( XXXX ) within 3-4 weeks. Nothing else changed! This negates everything I worked for getting my score up so I can efficiently buy my first home at minimal interest rates. This has bugged me endlessly 5 months. My credit utilization is around 4 %. I dont have a mortgage. My XXXX score is around XXXX.
I use this new card 100 % of the time now, but havent closed the old cards. I also pay in full, monthly. Im not sure if the scores will affect my interest rates on a purchase ( s ), but there needs to accountability from such a process by Experian. Using Experians own Credit Score Simulator shows only a 10-point reduction if a credit card is obtained, not XXXX points.
I've emailed Experian and Myfico and get canned replies. I finally get someone on the phone ( including managers ) and they state they don't have control or just monitoring services? I'm afraid I've missed a few home purchases because this hasn't been resolved.
I've since used experian 's XXXX program to add cellphone, utilities, cable bills to boos the score which helped some. It isn't picking up 2 other bills ( which is another error ). This still didn't explain the score drop.
It appears that all XXXX credit bureaus are trying to get you to purchase their products as well as Myfico. This appears to be a scam at increasingly alarming rate. This can equate to $ millions if not Billions in extra costs from higher interest rates, for mortgages, car purchases and loans/credit cards due to this credit score that is magically hidden and non-transparent.
Experian is owned by a multinational consumer credit reporting company based in XXXX XXXX with a revenue of {$5.00} billion for the fiscal year ending XX/XX/XXXX.
All 3 Credit bureaus use what is called Fico8 yet, all 3 scores are different.
Again, my Exceptional credit score dropped XXXX points for a Rewards credit card that is paid off monthly. I didn't even get out of the gate with it before the drop in score. Im trying to buy my first home without repercussion from the score drop.
Your site says there are XXXX complains with only 2 % being addressed just in the last XXXX XXXX years. This is horrible! Congress needs to address this issue! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 35803 | null | Consent provided | Web | 2022-04-30 | Closed with explanation | Yes | null | 5,522,588 |