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2020-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Equifax failed to verify and validate unauthorized inquiries | null | EQUIFAX, INC. | GA | 310XX | null | Consent provided | Web | 2020-12-03 | Closed with explanation | Yes | null | 3,989,610 |
2023-01-09 | 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 196XX | null | Consent provided | Web | 2023-01-09 | Closed with explanation | Yes | null | 6,417,975 |
2022-11-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2022 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible.. | null | EQUIFAX, INC. | CT | 06902 | null | Consent provided | Web | 2022-11-23 | Closed with explanation | Yes | null | 6,237,779 |
2022-07-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX Account # xxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account XXXX xxxxxx XXXXXXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX XXXX XXXX XXXX Reference # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX bankruptcy Reference # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 45238 | null | Consent provided | Web | 2022-07-09 | Closed with non-monetary relief | Yes | null | 5,752,285 |
2022-11-20 | 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. Account name XXXX Account number XXXX XXXX has violated my rights. Account name XXXX XXXXXXXX Account number XXXX, has violated my rights.
Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. Account name XXXX XXXX XXXX Account number XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 331XX | null | Consent provided | Web | 2022-11-20 | Closed with non-monetary relief | Yes | null | 6,226,114 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information is incorrect | Dear Sir or Madam, I am writing to you under the Fair Credit Reporting Act as I want my credit report to be 100 % accurate and complete. I do not want incorrect or misleading information on my reports.
I am disputing false and inaccurate information on my credit report with your companies and I want all of you to carefully investigate and delete all false information related to my biological information.
Here is the only correct information that you should be listing : My name is : XXXX XXXX My date of birth is : XX/XX/ MY Social security number is : XXXX The only correct address is : XXXX XXXX XXXX XXXX XXXX PA, XXXX The only correct phone number is : XXXX XXXX XXXX I only am employed at XXXX XXXXXXXX XXXX XXXX The following information used to be correct but is now wrong and I do not want this incorrect information on my credit report.
-At one time in the past, I lived at the address of XXXX XXXX XXXX XXXX PA XXXX but no longer live here. I do not want any person or company to use these old addresses because I do not want to run the risk of identity theft or my personal information going to a bad address.
Remove this incorrect information.
I see false information that was never correct. Make sure you delete any other personal information items other than the correct items I have listed above. To help, here are some entries that were never correct that I want to delete ASAP : My name has never been : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I never lived at these addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR I never had these phone numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I never worked at these places of employment : XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19140 | null | Consent provided | Web | 2022-10-04 | Closed with non-monetary relief | Yes | null | 6,048,210 |
2021-10-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | SYNOUVUS/XXXX climes that I owe them {$11000.00}... Contractor did not finish the roofing job in XXXX, paid for one year the contractor would not finish the job I stop paying in XXXX was settled this year!!! Paid in full!!!!! | null | Synovus Bank | MI | 48220 | Older American, Servicemember | Consent provided | Web | 2021-10-21 | Closed with explanation | Yes | null | 4,781,153 |
2021-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have contacted all three Credit Bureaus/Agencies ( Experian, XXXX XXXX XXXX and the Creditors ( XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA XXXXection 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 38305 | null | Consent provided | Web | 2021-05-07 | Closed with explanation | Yes | null | 4,358,187 |
2023-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | TX | 774XX | null | Consent provided | Web | 2023-07-15 | Closed with non-monetary relief | Yes | null | 7,255,269 |
2023-05-18 | Checking or savings account | Other banking product or service | Opening an account | Account opened as a result of fraud | Bank of America rep confirmed that 2 accounts were opened using my SSN and email address. Called back to ask for confirmation that these are closed. 2nd rep said there were no accounts on file. Uncooperative in resolving this issue and confirming that my SSN will not be used to open any bank accounts or other financial contracts with BOA. I am not a customer and have not been for almost 30 years. And never will be. screenshots of numerous emails I have received are attached. I have selected CREDIT CARD however, I suspect that this could other accounts that use online banking. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | VA | 23320 | null | Consent provided | Web | 2023-05-18 | Closed with explanation | Yes | null | 6,993,446 |
2018-01-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Upon applying for a loan at my XXXX XXXX XXXX XXXX, XX/XX/XXXX. I have XXXX XXXX downloaded on my phone. That night i got a ding from XXXX XXXX. XXXX XXXX XXXX had hit my credit ... like i had applied for a loan there. I have not. Also, XXXX/XXXX had onXX/XX/XXXX. And XXXX on XX/XX/XXXX ... There is no reason for any of them to hit my credit. As a result my Credit score has gone down from XXXX to XXXX and XXXX. I would like to know why and how they acess my account without me asking them to. I am trying to get my credit back in check. Any help you can give me would be much appreciated. Thank You, XXXX XXXX | null | EQUIFAX, INC. | PA | 177XX | Older American | Consent provided | Web | 2018-01-08 | Closed with explanation | Yes | null | 2,775,065 |
2023-07-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).
Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ).
In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number.
Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30281 | null | Consent provided | Web | 2023-07-05 | Closed with explanation | Yes | null | 7,203,295 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | CO | 80128 | null | Consent provided | Web | 2023-04-13 | Closed with explanation | Yes | null | 6,836,092 |
2020-07-16 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | I applied for an Apple Card on XX/XX/XXXX, and was notified that my application was denied because my outstanding balances were too high relative to my income, but that I could pay down my balances and reapply, without any detrimental effects. I began paying down my balances incrementally, reapplying each time, and being denied for the same reason, with the same guidance about how to get receive a different decision. I then paid off a large portion of my balances with birthday presents I received, and reapplied, this time noticing that I had previously underreported my annual income by only reporting wages. This time, I was denied because my information could not be verified, and instructed to call a Goldman Sachs Apple Card Approval specialist if I believed this was an error. I did so on XX/XX/XXXX, and was told that nothing could be done for 30 days, because the system was unable to take new information from me, at which time I could reapply. When I complained that I need the card right away, to finance the purchase of a new XXXX for use in my job as an XXXX, and that I had been instructed repeatedly to reapply without any mention that doing so more than a certain number of times would prevent me from applying for 30 days ( if I had known this, I would have paid down my balances at once before reapplying, instead of doing it incrementally because I was told I could reapply repeatedly without penalty and was trying to get the card to finance my XXXX purchase as soon as possible, for use XXXX in these times ). After being transferred to a supervisor, I was told that I had to wait 30 days for the system to repopulate my data ; when I explained the situation and said I would contact the CFPB, I was told that a case would be opened for me and I would be contacted on XX/XX/XXXX. On XX/XX/XXXX, I received an email explaining that I had been rejected for the reasons detailed in the original rejection email, and to call a specialist if I believed this was an error. I called again, repeated exactly the process described above, was told again by a manager that all I can do is wait 30 days and reapply, although she initially said that there was no reason why that should be the case, so I am now filing this complaint. I am locked out of applying for a card I need to finance an urgent purchase for 30 days, because I did what the issuing bank told me to do in order to successfully reapply, at every point. | null | GOLDMAN SACHS BANK USA | CA | 90016 | null | Consent provided | Web | 2020-07-16 | Closed with explanation | Yes | null | 3,749,652 |
2015-10-27 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt is not mine | Debt acquired XX/XX/XXXX. Original Creditor ( GE Capital ) apparently is now known as Synchrony Bank. Either the OC or Synchrony Bank sold the debt in XX/XX/XXXX. Synchrony Bank XXXX who no longer owns the debt ) has contacted the credit bureaus requesting to review my file on the following dates in XXXX : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have no business inquiring about this debt any further. I have not authorized them to continue to harass me. I want them to cease and desist. There 's no valid reason for these actions. | null | SYNCHRONY FINANCIAL | TX | 76513 | null | Consent provided | Web | 2015-10-28 | Closed with explanation | Yes | No | 1,626,290 |
2023-05-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33179 | null | Consent provided | Web | 2023-05-25 | Closed with non-monetary relief | Yes | null | 7,026,379 |
2022-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I am disputing the account Pacific credit exchange account # XXXX the collection agency has re-aged this account according to the original creditor XXXX XXXX Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX Pacific credit exchange is reporting XX/XX/XXXX On record until XXXX on my credit report.
Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance. | null | Pacific Credit Exchange Corporation | CA | 94501 | null | Consent provided | Web | 2022-04-22 | Closed with explanation | Yes | null | 5,423,898 |
2022-04-26 | Debt collection | Payday loan debt | Written notification about debt | Didn't receive notice of right to dispute | This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report.
Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once. | null | Bonneville Billing and Collections | CO | 802XX | null | Consent provided | Web | 2022-04-26 | Closed with explanation | Yes | null | 5,500,523 |
2021-04-20 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | RCVL PER MMG is claiming that I owe them {$980.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Receivables Performance Management, LLC | TX | XXXXX | null | Consent provided | Web | 2021-04-26 | Closed with explanation | Yes | null | 4,315,332 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 02124 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,951,015 |
2020-09-02 | 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 am writing to dispute a fraudulent charge on my account in the amount of {$15000.00}, {$6200.00}, {$3100.00}, {$24000.00}, {$11000.00}, {$14000.00}, {$0.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.
4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
-- STUDENT ACCOUNTS 5. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
6. DEPT OF EDUCATION/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.
-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. | null | EQUIFAX, INC. | CA | 90015 | null | Consent provided | Web | 2020-09-02 | Closed with explanation | Yes | null | 3,827,436 |
2022-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34744 | null | Consent provided | Web | 2022-11-15 | Closed with non-monetary relief | Yes | null | 6,207,474 |
2021-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I recently consolidated my student loans which were effective XX/XX/XXXX. The consolidation went through XXXX/Department of education and is now listed as a new account on my credit reports showing a partial account of XXXXXXXX see below. This information is correct but all 3 credit bureaus are still showing the old student loan from XXXX with a partial account of XXXX opened on XXXX as still open which is now showing a double amount owed for my student loans. This is incorrect.
The only loan on the student loans that should be showing open and current is the one that I am listing below. The one showing the same balance and opened in XXXX is incorrect and the credit bureaus are intentionally showing that account opened so that they double my debt to credit ratio which is illegal. The old XXXX account from XXXX should now report, closed, paid as agreed as it was paid off through consolidation. When it comes to Federal student Loans the bureaus are now in violation of a federal law for reporting two of the same account as opened and showing a double amount due of {$130000.00} and this is incorrect.
This is the only student loan that should be showing up as open and paid on time as it was just consolidate on XX/XX/XXXX so the old student loan no longer exists.
DEPT OF ED / XXXX # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX NE XXXX Loan Type : STUDENT LOAN Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Balance : {$67000.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$67000.00} Pay Status : Current Account Terms : {$0.00} per month | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80920 | null | Consent provided | Web | 2021-04-09 | Closed with explanation | Yes | null | 4,284,711 |
2020-10-31 | 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, I found numerous accounts listed that I have no knwledge of and was a result of malpractice. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33028 | null | Consent provided | Web | 2020-10-31 | Closed with explanation | Yes | null | 3,930,021 |
2022-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of items which do not belong to me or were opened without my permission.
XXXX BANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXBANK XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 631XX | null | Consent provided | Web | 2022-07-27 | Closed with non-monetary relief | Yes | null | 5,813,556 |
2023-02-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX.
I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments.
I immediately paid off the bill and requested XXXX XXXX remove the late strike on my credit report, and they refused. I filed disputes with XXXX, Transunion, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92126 | null | Consent provided | Web | 2023-02-02 | Closed with non-monetary relief | Yes | null | 6,531,996 |
2020-07-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life.
1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | XXXXX | null | Consent provided | Web | 2020-07-24 | Closed with explanation | Yes | null | 3,762,826 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly appreciated. | null | EQUIFAX, INC. | NE | 68127 | null | Consent provided | Web | 2023-08-14 | Closed with explanation | Yes | null | 7,398,409 |
2022-07-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On Monday XX/XX/XXXX I received a communication from XXXX XXXX a collections agency. On this date I was advised that I had a charged off loan with Affirm for {$1600.00} in association with XXXX. I reported this as fraud and the representative advised she would submit this back to Affirm has fraud. Immediately, I contacted Affirm and reviewed my loan information. They had XXXX loans on file under my information but only XXXX were rightfully mine ( XXXX, and XXXX both paid per agreement and in good standing ). The remaining XXXX that do not belong to me with Affirm were XXXX, XXXX XXXX and XXXX. I have initiated a fraud claim and currently waiting communication. I have also offered to provide a letter of security breach sent to me by my previous mortgage provider XXXX. This letter outlines the details of a security breach they experienced from XXXX XXXX XX/XX/XXXX where my information was compromised. I currently await a communication regarding my fraud dispute to provide them with this letter. I have also submitted this letter and fraud investigation with XXXX, along with a credit report freeze and fraud alert on my credit report that has been sent to all three reporting agencies. At the current moment my XXXX XXXX dispute is in progress, and I was advised to initiate a complaint via XXXX or a police report regarding this credit report dispute. | null | Affirm Holdings, Inc | NC | 28117 | null | Consent provided | Web | 2022-07-05 | Closed with explanation | Yes | null | 5,735,577 |
2022-10-20 | 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 have authorized 37 inquiries to show up on my consumer report without my permission and I tried to report it and they wouldn't help.
I paid over XXXX to fixed my credit and XXXX make it hard to take any off and according to consumer law anything reporting to my credit without my permission has to come off and they won't follow their own law. | null | EQUIFAX, INC. | GA | 30084 | Servicemember | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,107,557 |
2023-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | null | EQUIFAX, INC. | FL | 32114 | null | Consent provided | Web | 2023-02-28 | Closed with explanation | Yes | null | 6,631,093 |
2021-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | XXXX XXXX Mortgage is reporting me being late 30-60 days late in XXXX and XXXX of XXXX.
I was in Forbearance from XXXX XXXX XXXX.
My last payment to XXXX which was the previous company now Bankrupt was XX/XX/XXXX.
In XX/XX/XXXX I made a payment to XXXX XXXX Mortgage.
My forbearance with XXXX XXXX started in XX/XX/XXXX.
I was never late on my mortgage.
In XX/XX/XXXX I contacted XXXX XXXX and notified them business was picking up and I wanted to come off of forbearance.
I made my XXXX trial payments on time in XXXX, XXXX and XX/XX/XXXX.
In XXXX I signed the loan modification agreement.
XXXX Mortgage took my XX/XX/XXXX payment and XX/XX/XXXX and applied them to XX/XX/XXXX which I already paid to XXXX in XX/XX/XXXX as the bank statements show.
Cares Act states consumers can not be reported as late up to XX/XX/XXXX. I made my payment in XXXX as agreed.
At this point I do not understand what payment was late?
Thank you, XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 96003 | Servicemember | Consent provided | Web | 2021-12-02 | Closed with non-monetary relief | Yes | null | 4,970,394 |
2017-10-03 | 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 | I have informed all of the credit agencies that the XXXX XXXX XXXX XXXX Account that the late reporting on my credit file is reporting in error. I was never late on this account. Please help me to get this inaccurate information removed from my credit file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 365XX | null | Consent provided | Web | 2017-10-03 | Closed with explanation | Yes | null | 2,691,798 |
2021-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following credit inquiries listed on my Equifax credit report are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX. | null | EQUIFAX, INC. | MN | 55343 | Servicemember | Consent provided | Web | 2021-07-25 | Closed with explanation | Yes | null | 4,572,362 |
2020-10-29 | Checking or savings account | Checking account | Managing an account | Banking errors | I opened this account in late XX/XX/2020 with a promotion to receive {$400.00} bonus once I had {$4000.00} in direct deposits in the first 3 months. I completed this in XX/XX/2020. I was told I had to wait until 30 days after the transaction getting me to {$4000.00} was reached and the bonus would be deposited by then. Then I was told 120 days after account opening. It's late XXXX ( 120 days after opening ) and I haven't gotten anything.
Additionally, my account can not transfer to another account. I have stopped in a local branch and called several times, they keep telling me I need to wait for something to be mailed to me like a PIN, but I haven't gotten that yet. My current pin lets me use the debit card but that's it. I'm not sure what that has to do with transferring money. I was able to transfer to a different checking account ( XXXX ), but not this other one ( XXXX XXXX ). I don't have time to call and wait on hold for long times any more. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 080XX | null | Consent provided | Web | 2020-10-29 | Closed with explanation | Yes | null | 3,925,315 |
2020-02-10 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I was never told by American Express that upon settling i would receive a 1099C that would affect my taxes.
I looked up and it say BY LAW it is supposed to be in my mailbox no later than XX/XX/XXXX. It was in my mailbox on XX/XX/XXXX. I AM DISPUTING THIS AND WANT THIS VOID BECAUSE THEY BROKE THE LAW. | null | AMERICAN EXPRESS COMPANY | CA | 91977 | null | Consent provided | Web | 2020-02-10 | Closed with explanation | Yes | null | 3,526,277 |
2021-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | wrong info : se attachments for proof XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX, CA, XXXX | null | EQUIFAX, INC. | PA | 152XX | null | Consent provided | Web | 2021-05-27 | Closed with explanation | Yes | null | 4,410,471 |
2021-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I have sent investigation and dispute letters on the following dates : XXXX XXXX XXXX XXXX Not only have they not performed any investigation into these items like I requested, but they have not sent me any investigation results by mail. This is a DIRECT VIOLATION OF MY RIGHTS! I have tried to be nice, and respectful, but the bureaus have ignored my requests to investigate these accounts that are reporting incorrect information on my credit reports. The following items should be removed from reporting to my file immediately because they have not investigated them in the time allowed by the FCRA laws. | null | EQUIFAX, INC. | NC | 28715 | null | Consent provided | Web | 2021-06-17 | Closed with explanation | Yes | null | 4,469,766 |
2018-10-22 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I was charged a monthly charge by a company I don't know or had not done business with. The charge started back in XX/XX/XXXX and it went on for about 4 to 5 months ( {$170.00} ). I contacted this merchant and they could not find me in their database even though I provided name, address, my Bank of America account number ( s ). They suggested I contact Bank of America. BofA accepted my claim and provided a temporary credit while they investigated. More than several weeks ( about more than 2 months ) without hearing back from BofA and thinking that they had made the credit permanent, they ended up sending me a notice saying that these transactions were approved and authorized by me and no further explanation and not even identifying the name of the merchant. In other words, no basic explanation of any kind was provided in BofA 's letter. I can tell you with certainty that I am 100 % positive BofA or the merchant have no evidence that these transactions were approved.
My acct # is XXXX XXXX. Claim number is XXXX. I am complaining for two reasons, BofA inability to conduct a valid investigation or proof that I approved these charges and two the length of time it took them to resolve which I suspect is beyond what's allowed by regulatory requirements. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94010 | null | Consent provided | Web | 2018-10-22 | Closed with monetary relief | Yes | null | 3,053,371 |
2022-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Inaccorance with the Fair Credit Reporting act XXXX XXXX Account has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | null | EQUIFAX, INC. | CA | 92083 | null | Consent provided | Web | 2022-08-16 | Closed with explanation | Yes | null | 5,885,676 |
2022-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 21045 | null | Consent provided | Web | 2022-04-20 | Closed with non-monetary relief | Yes | null | 5,468,378 |
2023-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This account does not belong to me, and I did not authorize anyone to use my account. Please remove this inaccurate account from my credit report. I have attached the necessary documents for your review. | null | EQUIFAX, INC. | CA | 95207 | null | Consent provided | Web | 2023-05-02 | Closed with explanation | Yes | null | 6,917,294 |
2023-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have hard inquires on my credit report that I did not authorize. XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Some one tried to use my identity for a car loan. During that time i was able to freeze my accounts, but the inquiries are still showing on my credit report. | null | EQUIFAX, INC. | SC | 29710 | Servicemember | Consent provided | Web | 2023-08-16 | Closed with explanation | Yes | null | 7,411,310 |
2022-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. | null | PORTFOLIO RECOVERY ASSOCIATES INC | NJ | 07087 | null | Consent provided | Web | 2022-11-08 | Closed with explanation | Yes | null | 6,173,930 |
2018-07-12 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions. | null | Navient Solutions, LLC. | CA | 91941 | null | Consent provided | Web | 2018-07-12 | Closed with explanation | Yes | null | 2,961,700 |
2022-03-21 | 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 XX/XX/XXXX( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly 658.00 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.
15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,349,254 |
2022-05-13 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | On XX/XX/XXXX I received a call from the Chase Bank customer service number. The " representative '' informed me there was suspicious activity on my account and instructed me what to do to reverse it. Turns out I was tricked into sending {$2000.00} through the XXXX app which I had no idea was a separate entity from Chase bank even though it's on all their platforms. Chase has done zero to help and has treated me more like a criminal than a victim. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX Chase customer. This is a lot of money for me and has made an already hard living situation much, much more difficult. I'm disgusted by how I've been treated by this bank but at the same time changing banks right now would turn my life even more upside down. Included is the call record from the Chase number that called me. | null | JPMORGAN CHASE & CO. | NY | 11206 | null | Consent provided | Web | 2022-05-13 | Closed with monetary relief | Yes | null | 5,557,779 |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XX/XX/2021 I called Experian because I recognized that there were hard inquiries that were not authorized by me. Some of these were removed, but XXXX XXXX with an inquiry date of XX/XX/2021 and another on XX/XX/2021. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90660 | null | Consent provided | Web | 2021-10-26 | Closed with explanation | Yes | null | 4,847,015 |
2023-08-11 | 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'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 462XX | null | Consent provided | Web | 2023-08-11 | Closed with non-monetary relief | Yes | null | 7,385,133 |
2017-11-21 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with fees charged | The Car got repossessed after payment was made and also the Finance company it 's adding all kinds of fees and stalling the car from release after all fees were paid, also she does not want to provide a break down of charges, and did not want to take any other form of payments except cash, car still at the storage after 15 days and they are charging {$50.00} per each additional day, the rep at the storage garage said she still has not receive any release order from finance company yet, also the person at the finance company is not letting us talk to a supervisor, she is also very rude her name is XXXX, the personal from the storage place even called her to ask about the release form and she still did not get it done | null | Credential Acceptance Corporation | CA | 90022 | null | Consent provided | Web | 2017-11-21 | Closed with explanation | Yes | null | 2,735,186 |
2023-08-25 | 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 | 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.
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
9. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
10. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
11. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing erroXXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
12. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
13. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
14. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
15. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please remove it from my credit report.
16. THE ACCOUNT WAS PAID IN FULL XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
17. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
18. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. Late Payments Not Authorized To Be On My Report No written authorization was given Under 15 USC 1666B This is a billing error XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case | null | EQUIFAX, INC. | IL | 60101 | null | Consent provided | Web | 2023-08-25 | Closed with non-monetary relief | Yes | null | 7,454,487 |
2023-03-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I filed a complaint with the CFPB and the creditor of the account responded stating that my student loan accounts with XXXX loan sequence 1-5 were removed from all of my credit reports with each agency. Unfortunately this was not accurate as Equifax and XXXX are still reporting these items on my credit reports with their bureaus. I disputed the items multiple times to no avail. The credit agencies are stating that they verified the accounts while the creditor has stated that the items have been removed. | null | EQUIFAX, INC. | GA | 30019 | null | Consent provided | Web | 2023-03-24 | Closed with explanation | Yes | null | 6,745,440 |
2015-06-05 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | I graduated from XXXX XXXX University and had taken out a private loan through Key Bank. Since XXXX I had been current on my payments. In XXXX of XXXX I was discharged from a bankruptcy and throughout the entire time I made payments to my loan. In the beginning of XXXX I became behind in payments. I called Key Bank the beginning of XXXX XXXX to get my account up to date and I was given the worst run around from there on. At first I was transferred to a woman from their law office telling me they never received my discharge papers from my bankruptcy ( from XXXX - which is not my responsibility seeing as how student loans are non-dischargeable ). She then told me my account was on hold and to call back in a week. I did call back in a week and I was refused payment numerous times by their employees, sometimes I was transferred to the " charge off '' department and sometimes they transferred me to their XXXX party collections who then said they were n't handling my account. On XXXX XXXX I called and was informed my account had been charged off, with no notice. It is my right to be given notice. They told me they had n't been able to give me notice because of my bankruptcy, but my bankruptcy was closed in XXXX of XXXX. After much persistence I was finally put in touch with XXXX XXXX who handles their bankruptcy cases. I called him several times in the beginning of XXXX and he always said he would call me back but never once did. I sent a written letter to Key Bank outlining my troubles and asked for a written letter back but have heard nothing. I have no information of who is handling my account now because as soon as they charged my account off I could n't make payment on the XXXX XXXX Borrower website where I always made payment. I am upset because my dad is a cosigner on this loan and now this is affecting him. | null | KEYCORP | MN | 55410 | null | Consent provided | Web | 2015-06-05 | Closed with non-monetary relief | Yes | No | 1,408,073 |
2020-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found a late payment on XXXX XXXX XXXX of 2020 for 30 days. Impossible! Send me proof that i was late because i paid it on time.
I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report. | null | Bread Financial Holdings, Inc. | MA | 02301 | null | Consent provided | Web | 2020-09-30 | Closed with explanation | Yes | null | 3,869,274 |
2020-08-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXXXXXX US DEPT ED XXXX {$5700.00} XXXXXXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXX {$2200.00} XXXX/DOFED XXXX {$9500.00} XXXX XXXX XXXX {$340.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 72404 | null | Consent provided | Web | 2020-08-28 | Closed with explanation | Yes | null | 3,819,260 |
2022-03-21 | 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 convergent XXXX XXXX ( Account # XXXX ), and XXXX XXXX XXXX ( Account # XXXX ) has violated my rights.
15 U.S.C 1681 section 602 A. states i have a right to privacy.
15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 55430 | null | Consent provided | Web | 2022-03-21 | Closed with explanation | Yes | null | 5,349,375 |
2022-06-03 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt was paid | XXXX XXXX XXXX is charging excessive fees for a foreclosure that was dismissed one year prior to my lloan being transfered from Fay Services LLC, who was sued by CFPB. My loan was transfered to XXXX instead of being properly serviced. XXXX XXXX XXXX has also misapplied payments made to my loan and has taken over {$150.00} interest monthly from the mortgage payment as attorney fees instead of servicing the loan with the payment.
XXXX XXXX has co-mingled my mortgage loan payment with these bogus fees... According to Fay Sevicing the fees only totaled {$470.00}. Why is my mortgage payment being used to pay off fees that acure {$150.00} interest monthly. This means that neither the mortgage nor the " attorney fees '' will ever be paid off. These fees should not be comingled with my mortgage and should be billed and collectedseparately.
When I asked to pay off the fees they took the payment and instead reapplied it to montlhly payments and took feee from the payment instead of applying to these bogus fees. XXXX obviously is unfair in its practicies and i HOPE AND PRAY that government will intervene in ensuring that XXXX is fair in its trade practices. | null | Fay Servicing, LLC | IL | 604XX | Older American, Servicemember | Consent provided | Web | 2022-06-03 | Closed with explanation | Yes | null | 5,627,644 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Kikoff, gave me credit and didn't tell me in writing that I owed them money. They never told me I owed payments to them at all. They are totally deceptive have have fraudulent business practices. How could I pay them if they didn't send me a bill. I want the delinquent account from Kickoff taken off my credit report. I've paid my credit cards on time or in advance.
Please don't let this corrupt business harm me and other Americans. We deserve fair businesses. And, Kikoff is not fair. There fraudulent and totally unjust. | Company believes it acted appropriately as authorized by contract or law | Kikoff Inc. | NH | 035XX | null | Consent provided | Web | 2023-08-14 | Closed with explanation | Yes | null | 7,399,948 |
2023-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2018 Balance : {$14000.00} | null | EQUIFAX, INC. | CA | 92647 | null | Consent provided | Web | 2023-04-27 | Closed with explanation | Yes | null | 6,901,144 |
2017-06-23 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I, XXXX XXXX, had a joint account together with my mother and we were scammed through receiving a fraudulent check. My best friend asked if her boyfriend could deposit {$400.00} in her account so she could pay her rent. When the {$400.00} posted I XXXX the money to my friend, XXXX XXXX ; however, then I noticed {$2100.00} extra in my account. XXXX stated that her boyfriend deposited the extra money into the account for her. The funds were released from the bank within the same day, although I did not have any money to cover the personal check that was deposited not had ever had the money to cover the check. I withdrew the money and gave to XXXX and a week later the check was returned as a bad fraudulent check. It was found out through the bank that 7 other checks were returned in the same matter to Wells Fargo. XXXX agreed to give the money back to me and then deposited a {$3500.00} check in my account, which was also fraudulent. In the mist of all the confusion and disputing with the bank, Wells Fargo has been very uncooperative, rude, and disrespectful. I have disputed the checks on 3 different occasions and merely asking for the question to be answered on who deposited the checks? Although I bear some fault and being native and gullible, I believe this is a massive check scamming ring involving Wells Fargo bankers or tellers. A personal check should have never been allowed for same day withdrawal, especially from a college students account who did not and never had the funds to guarantee the check. I have been banking with Wells Fargo for over 4 years and even when I deposited a check from the IRS and had the money in my account, the check was still placed on a hold status. I truly believe that Wells Fargo is trying to cover up their wrongdoing and will not give me any information. They will not even advise at which branch the check was deposited. We are asking for the cameras to be pulled to verify who deposited the check, but to no avail. Each complaint I make gets closed and then when I remind them the original question has not been answered, they open another complaint with another department. The last department was with the check fraud claims department, XXXX XXXX at number XXXX. XXXX XXXX failed to return any calls until two weeks later and refused to answer any questions and then hung up the phone. He was very unprofessional and I am unsure of why you have claims or a fraud unit when the bank fails to properly investigate the claim. I have since filed a complaint with the XXXX Police regarding the matter. Again I am asking for Wells Fargo to properly investigate the claim and advise of who deposited the checks into my daughters account. To date, Wells Fargo continue to be uncooperative. The police officer had to submit a warrant to just find out the truth on who deposited the checks ; however now Wells Fargo is asking for an extension. They are delaying pulling the cameras as I believe the will see their own wrongdoing in the matter. Although this account started with me and my mother and all transactions were completed when we were on the account together, Wells Fargo will not even talk to my mother which whom they took the money from as I took her off the account, but she was on the account when the fraud took place and started the complaints. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 30294 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | No | null | 2,556,889 |
2022-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct and update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | IL | 60018 | null | Consent provided | Web | 2022-09-01 | Closed with non-monetary relief | Yes | null | 5,942,736 |
2023-07-29 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I had a special order from Home Depot in XX/XX/XXXX, which was charged on my Home Depot Citibank card. This order was to be delivered in XXXX of XXXX. It was never delivered. In XX/XX/XXXX I raised a Dispute with Citibank which they closed with no explanation and pointed me back to Home Depot. Inspire of my various attempts to reach Home Depot I did not get any response from Home Depot for over 6 months. Yet I had been paying my credit card minimum balance due each month thru XX/XX/XXXX. In XXXX I again filed a dispute with Citibank that the services have still not been delivered by Home Depot. At that point I had to stop making payments as I had no product for which Iw as paying for over one year already. Citibank started harassing me with collections calls multiple times a day, in the mid night and so on. Citibank also reported this to Credit Reporting agencies XXXX, XXXX and XXXX. Even though there is an active dispute with Citibank. The services from Home Depot against this transaction have still Not been delivered its end of XX/XX/XXXX. The amount is {$35000.00} approx. I m not getting any response from Home Depot still and Citibank is harassing me for the balance for a transaction which was never fulfilled or delivered.
Kindly help me with this issue, Really appreciate your help Thank You | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | WA | 98056 | null | Consent provided | Web | 2023-07-29 | Closed with non-monetary relief | Yes | null | 7,322,096 |
2020-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received.
This repossession is inaccurate because XXXX is reporting that my highest balance XXXX $ and XXXX is reporting a different amount if you dont remove this wrong information Im ready to proceed with legal action because I made you all aware of this error a few months ago and this information is still incorrect. I am requesting that the item be removed Immediately | null | ALLY FINANCIAL INC. | GA | 31405 | null | Consent provided | Web | 2020-08-19 | Closed with explanation | Yes | null | 3,803,002 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | On XXXX XXXX I received an alert from credit karma stating that my XXXX XXXXXXXX account had been deleting from reporting, today I received another alert that it had been reinserted into my equifax credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with XXXX XXXX equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable. | null | EQUIFAX, INC. | LA | 704XX | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,087,191 |
2020-11-02 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | I have this issue with CITI back to XXXX, then I submitted a complaints in here in XXXX, they contacted me and sent me two letters in XXXX and XXXX claiming they will solve that for me. I had attached two letters from CITI as evident. It'salready been XXXX now I still have not received my welcome bonus. I swear I will never become a CITI customer again, they have the worst customer service. But I won't give up getting my bonus back. Please see attachment how CITI promised to solve this issue for me and it's been almost 5 months it still not been resolved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 76063 | null | Consent provided | Web | 2020-11-02 | Closed with explanation | Yes | null | 3,932,394 |
2017-05-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX, Fl XXXX I am only seeking to return earrings purchased from XXXX XXXX on X/XX/2017 for {$24000.00} and credit to the private label credit card opened on the same day. Rather than cancellation of the sale, XXXX XXXX has offered a {$2500.00} refund. Two independent appraisals value the earrings between {$10000.00} and {$14000.00}. There was misrepresentation ( bait and switch ) of inventory tags or diamonds during the sales process as described below.
I am a Florida resident which has state statutes that are similar to FCRA, FDCPA, and FTC Unfair and Deceptive Practices Act. Diamond earrings were purchased on X/XX/17 while on a cruise at XXXX XXXX. Store did not have desired quality of earrings ( earrings of 2 cts each with a quality of I and I-1 or better ), I purchased my wifes engagement ring at 2.5 cts previously at this quality so I am familiar with this pricing at this quality. My wife and I continued to shop. Manager then brought 2 2 ct engagement rings from the storage vault that he said were of the above quality. At this time my wife was with the salesman looking at other jewelry. I saw an inventory tag cupped in the Managers hand indicating the I and I-1 ratings for one of the engagement rings. I asked my wife to join us to look at the rings. She liked them ( there was pricing and quality discussion ). The Manager and I verbally agreed to $ XXXX price based on this quality.
Manager wrote price on invoice and asked me to sign invoice and complete name and address on invoice. No other information was completed on invoice at this time while the manager took my drivers license and went to obtain approval to obtain a XXXX XXXX credit card. Manager returned with a Comenity Bank ( store credit card ) welcome letter and Credit Account Sales Receipt. Manager told me to sign the receipt for $ XXXX. The salesman man then completed some information on the sales invoice and took a copy to the work shop to have the engagement rings made into earrings. The salesman continued to complete information on the sales documents ( credit card number, inventory tag information, etc. on the invoice and DL information on the Credit Card Account Sales Receipt ; the appraisal was also completed by the salesman ) while the Manager showed my wife and I other jewelry.
The salesman brought the earrings which my wife checked and gave me a XXXX XXXX document jacket containing the invoice, Credit Account Sales Receipt and in-house appraisal. I checked to see that the documents were present but did not check the information on these documents. Completing/altering documents after signature is unlawful as well as misrepresentation of the quality ratings.
There was an initial appraisal obtained for $ XXXX vs $ XXXX purchase price. Size, color and clarity grading of appraisal differed from sales documents. I sent demand letters to XXXX XXXX and Comenity Bank registered agents for merchandise return, rejection of arbitration and venue, and credit card dispute. Letter was dated X/XX/2017 and indicated that the sale should not be reported to credit bureaus and that I should not be contacted for collection. Letters were sent registered, return receipt. I also sent on X/XX/2017 an email to XXXX XXXX with the same information that was contained in the letter.
I received a letter dated X/X/2017 from Comenity indicating they would not report negative information on the account to the credit bureaus nor collect on the account.
XXXX XXXX rejected the appraisal and refund request in an email they sent me on X/XX/2017 ( letter attachment dated X/XX/2017 ). I then sent another demand letter ( to XXXX and Bank ) on XXXX XXXX, 2017, certified mail. My letter informed XXXX and Comenity Bank that I had received a phone call from Comenity Bank, the trade line had been reported to the bureaus ( my FICO score decreased ), the appraisal rejection letter conditions that are more rigorous than the sales invoice terms and conditions ( since it is a form letter this may enable class action status ).
I received a subsequent email from XXXX on X/X/2017 indicating that I could submit another appraisal and that the matter had been brought to the attention of senior management.
I received a letter from Comenity on X/X/2017 essentially indicating resumption of collections.
I obtained another appraisal indicating a color disparity of more than 1 grading and emailed it to XXXX on
X/X/2017.
I received an email from XXXX accepting the new appraisal which offered to trade the earrings to the in-house appraisal grading ( not the I and I-1 on the inventory tag ) and a {$2500.00} refund, rather than cancellation of the sale and return of the merchandise. I am receiving emails to pay the private label credit card bill. There are possible federal and state violations of FCRA, FDCPA and Unfair deceptive practices act. None of the correspondence from XXXX XXXX or Comenity Bank has indicated an investigation of the bait and switch of the jewelry inventory tags or diamonds which is required in such matters. From my initial correspondence I demanded that XXXX retain the store surveillance camera recordings as I observed alteration of the sales documents by the salesman while I was with the Manager. | null | Bread Financial Holdings, Inc. | FL | 34221 | null | Consent provided | Web | 2017-05-10 | Closed with explanation | Yes | null | 2,481,521 |
2022-06-14 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | I sent Americollect a letter requesting the for them to validate the debt with the following pieces of information ( please see attachment-Americollect Validation Debt request letter ).
Instead, I receive a generic letter without any of the information requested.
Need original copy with my signature, need proof that they own or have been assigned the debt to collect, need payment history. | Company believes it acted appropriately as authorized by contract or law | AmeriCollect | TX | 77578 | null | Consent provided | Web | 2022-06-14 | Closed with explanation | Yes | null | 5,668,787 |
2022-05-26 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | I have called twice and the first call the representative told me that they made a mistake and the interest charged on my account after I paid it in full was reversed.
However, I then got a statement to pay that interest.
I called and they said they reversed the charge, I have also closed this account.
I called again a second time after receiving the statement and the balance is still on there after the representative looked into the issue and said it would be resolved.
This needs to be resolved.
This account is paid in full and I owe nothing. | null | CAPITAL ONE FINANCIAL CORPORATION | IN | 470XX | null | Consent provided | Web | 2022-07-07 | Closed with explanation | Yes | null | 5,607,406 |
2020-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Tried to dispute incorrect names that are on my report online at Experian. Would not allow me to do it so I called the number given and no matter which option I chose, I did not get anyone online and then it just said 'goodbye '. I called 4 more numbers to Experian spent over an hour trying all the different options and again no one and then 'goodbye ' or just hung up. I have been trying to get through to Experian for days and this is inexcusable. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29708 | null | Consent provided | Web | 2020-05-15 | Closed with explanation | Yes | null | 3,653,763 |
2020-08-07 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | On XX/XX/XXXX I submitted a request for a credit limit increase on my Discover credit card account both online and with a Discover agent.
I knew that my credit score was more than 750 and that I have had no problems with any accounts, at all, for more than ten years.
My Discover credit card account has been open for years with no problems and my present limit is {$5500.00}.
Both of my requests were denied.
I inquired, from the agent, as to the reason that my request was denied and they stated that the denial was based on a matter from XXXX when I included my Discover Credit Card account in my Chapter XXXX Bankruptcy, which was fully discharged in XXXX.
I received a letter from Discover Credit Operations Team, dated XX/XX/XXXX, that stated the following, " Unfortunately, at this time we are not able to approve your request for a credit line increase due to the following : STATUS OF EXISTING / PRIOR DISCOVER CARD ACCOUNT ''.
My bankruptcy, which was fully discharged in XXXX, and the XXXX issue with my Discover Credit Card account included in my bankruptcy, are both more than ten years old now, so why did Discover deny my credit card limit increase based on information that is past statue? | null | DISCOVER BANK | FL | 33063 | Older American, Servicemember | Consent provided | Web | 2020-08-07 | Closed with explanation | Yes | null | 3,783,192 |
2022-02-12 | 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 | This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX AUTO XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 20745 | null | Consent provided | Web | 2022-02-12 | Closed with explanation | Yes | null | 5,213,856 |
2023-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33314 | null | Consent provided | Web | 2023-05-23 | Closed with non-monetary relief | Yes | null | 7,008,646 |
2023-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30040 | null | Consent provided | Web | 2023-06-29 | Closed with non-monetary relief | Yes | null | 7,177,929 |
2015-04-29 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt was paid | I has a credit card through XXXX XXXX and I maintained payments until XXXX XXXX raised the interest rates from 6 to 19 % to no fault of my own. The bank did not want to lower the interest rate. At that time my work slow down and I could no longer made payments.
Then I started getting calls from a collection agency and subsequently an attorney began calling to collect on the wells fargo account. The attorney filed a judgment and then levied my bank account.
When I pulled my credit I saw that wells Fargo had charged off my collection. But the attorney 's still wants to collect.
I do n't understand about these legal issues however I can see that the attorney is trying to collect money that is not owed to them.
I am in desperate need of your assistance.
Sincerely, XXXX XXXX ( XXXX ) XXXXXXXXXXXX | Company chooses not to provide a public response | Resurgence Legal Group, PC | CA | XXXXX | null | Consent provided | Web | 2015-04-29 | Closed with explanation | Yes | Yes | 1,352,128 |
2023-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Trying to get false inquiries and debts that I did not approve off | null | EQUIFAX, INC. | GA | 302XX | null | Consent provided | Web | 2023-06-20 | Closed with explanation | Yes | null | 7,139,961 |
2016-05-26 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | Visited XXXX XXXX XXXX in XXXX and updated address on patient form. XXXX was sent to address from XXXX year prior and I never received correspondence. No calls were received.
On XXXX, the collection showed on my credit report so I immediately investigated and called XXXX and paid the balance owed of {$150.00}. I was told at that time the collection would be removed from my account due to circumstances.
The collection is still showing on my account as a {$0.00} balance and the derogatory remark remains.
I called the accounting team at XXXX and was advised they would not be removing the collection remark from my account as I " should have known '' there was an outstanding invoice. This is their billing error due to the fact they did not update my address with corrected/new information. | null | Alorica Inc. | PA | 19382 | Servicemember | Consent provided | Web | 2016-06-02 | Closed with explanation | Yes | No | 1,942,549 |
2017-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX mishandled this breech and its aftermath. This is completely irresponsible use of very sensitive information. They need a solution for us NOW. Their officers selling stock days after this is very suspect as well. Your job is to protect we the people! Do it! | null | EQUIFAX, INC. | CA | 92024 | null | Consent provided | Web | 2017-09-09 | Closed with explanation | Yes | null | 2,662,018 |
2023-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I applied for a deferment of my loan due to a financial hardship. It was approved beginning XX/XX/XXXX and end in XX/XX/XXXX. I was advised that all late fees and would be changed to paid as agreed from the date the deferment started. My credit report still shows late for XXXX and XXXX. I have disputed this with the credit agencies and nothing has been changed. Also my payment was due XX/XX/XXXX. They approved the deferment XX/XX/XXXX. I have also asked why they are reporting these payments 30 days late when XXXX was not due to XX/XX/XXXX and XXXX was not due til XX/XX/XXXX in order to avoid reporting to credit. Since the deferral was approved XX/XX/XXXX I should not have been reported late to begin with at it was not past XX/XX/XXXX. I am attaching the approval of the deferral I received XX/XX/XXXX and sent back same day as well as proof of the late reporting of 30 days my credit bureau. | null | EQUIFAX, INC. | DE | 19702 | null | Consent provided | Web | 2023-06-18 | Closed with explanation | Yes | null | 7,134,125 |
2020-10-19 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | The company has refused to provide Debit Card purchases through my checking. account without providing a reasonable explanation. Although I can change and reset my Pin I have NEVER been able to conduct a transaction using the debit card Pin method. | null | AMERICAN EXPRESS COMPANY | NY | 10025 | null | Consent provided | Web | 2020-10-19 | Closed with explanation | Yes | null | 3,906,166 |
2023-03-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | NC | 28303 | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,750,875 |
2022-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.
XXXX. XXXX Account # XXXX 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX.
XXXXXXXX XXXX XXXX XXXX Account # XXXX {$0.00} 30 days late in XXXX XXXX, 60 days in XX/XX/XXXX, and XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60419 | null | Consent provided | Web | 2022-08-05 | Closed with explanation | Yes | null | 5,849,680 |
2021-11-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved.
I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.
XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | 30281 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,946,476 |
2020-10-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | To whom it may concern, My name is XXXX XXXX, I am writing to you because I have an issue with my private student loan company ( which is with XXXX XXXX XXXX XXXXXXXX XXXX of XXXX XXXX I was speaking to a mortgage loan lender and she recommended that I contact this bureau or an attorney. Here is my situation- I have been in contact with XXXX XXXX XXXX XXXX since my loan is with XXXX XXXX XXXX XXXXXXXX XXXX XXXX I currently pay on this loan weekly. I have been told by the loan officer at XXXX XXXX that there is nothing that they can due as this loan is in a charge off state. It is not being reported that it is being paid on my reports. I have contacted the credit reporting agency and all I get back with them is that it is a correct debt. This is correct I did take out the loan several years ago. My payments are not being reported and it is still in a charge off state. I believe that the bank should be able to remove this from a charge off state or at least report that I am paying on my loan.
Thank you for your time.
Below is an email from the loan officer at XXXX XXXX XXXX XXXX.
Hi XXXX, I am in class for the next two days, so unable to return your call. I got your message. Unfortunately, there is nothing that we can do to remove that negative debt from your credit report, When we talked before, I had explained that you would need to possibly find someplace that would be willing to refinance the student loan into a new one for you. We cant offer that because this loan is charged off from the XXXX XXXX that we work with. They wouldnt be willing to refinance it.
I am more than willing to write something up stating that you have been paying on this debt weekly for a long period of time if the company you find needs verification that it is being paid. But, that is about all I can do for you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 164XX | null | Consent provided | Web | 2020-10-28 | Closed with explanation | Yes | null | 3,921,193 |
2019-08-21 | 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/2018, XXXX XXXX of XXXX XXXX was given an invitation to bid on electrical work to be preformed at my residence. XXXX XXXX was provided a copy of electrical plans that I have also attached. The same plans are also referenced in several places on the contract dated XX/XX/2018 with the language *per plans. This is XXXX XXXX acknowledgement of receipt of said plans and understanding that work was to be completed in accordance to plans as well as terms of our contract.
The plans provided to XXXX XXXX state very clearly in writing that all work is to be performed in full compliance with all, city , county, state, and national codes. Texas law also requires that any electrician performing work will do so in compliance with all applicable codes.
There is NO language on the contract that releases Texas XXXX XXXX XXXX of this requirement, and referencing the plans on the contract in writing further reinforces contractors responsibility for meeting this requirement. I am also adamantly refuting the possibility of XXXX XXXX releasing himself of this obligation verbally or otherwise as he has stated in his supporting documentation.
XXXX XXXX did not complete any of the contracted work in a compliant manner, defrauded me out of {$4000.00} including {$420.00} of which was charged on my Citibank XXXX. I reached out to Citibank to dispute the charge and they denied my claim.
Citibank has chosen to side with a fraudulent merchant who has violated Texas state law rather than grant me proper protection under the Fair Credit Billing Act.
Also attached to my complaint is the result of the investigation performed by the Texas Department of Licensing and Regulation in which they made the determination that XXXX XXXX was in violation of Texas statue as it relates to work on my property. Why has Citibank taken it upon themselves to make a different determination and violate my rights in the process? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 75069 | null | Consent provided | Web | 2019-08-21 | Closed with explanation | Yes | null | 3,349,558 |
2022-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX, US BKPT CT XXXX XXXXXXXX XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92675 | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,258,368 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30067 | null | Consent provided | Web | 2023-05-04 | Closed with non-monetary relief | Yes | null | 6,932,583 |
2022-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The credit bureaus are illegally reporting inaccurate information on my credit report. | null | EQUIFAX, INC. | MI | 48239 | null | Consent provided | Web | 2022-01-19 | Closed with explanation | Yes | null | 5,124,178 |
2023-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future. | null | PORTFOLIO RECOVERY ASSOCIATES INC | FL | 33604 | null | Consent provided | Web | 2023-07-11 | Closed with explanation | Yes | null | 7,237,006 |
2017-10-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | I DISPUTED THIS ACCOUNT AND ASKED FOR VERIFICATION THAT THIS IS MY ACCOUNT AND HAVE NOT BEEN PROVIDED WITH PROPER VERIFICATION THE AMOUNT IS SHOWING {$330.00}. THE DIVERSIFIED ACCOUNT IS REPORTING ON MY REPORT TWO DIFFERENT AMOUNTS XXXX AND XXXX ON DIFFERENT CREDIT BUREAU 'S THE | null | Diversified Consultants, Inc. | GA | 30291 | null | Consent provided | Web | 2017-10-30 | Closed with explanation | Yes | null | 2,715,266 |
2021-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I contacted XXXX about medical bills and informing them of HIPPA VIOLATIONS in the amount of {$1700.00} and {$250.00} asking both them and the company to provide me with a signed document with my signature showing that this medical bill belongs to me and XXXX informed me they have the right not to investigate which means its okay to update incorrect information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77090 | null | Consent provided | Web | 2021-06-21 | Closed with explanation | Yes | null | 4,478,936 |
2023-09-21 | 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20743 | null | Consent provided | Web | 2023-09-21 | Closed with non-monetary relief | Yes | null | 7,583,196 |
2020-06-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30236 | null | Consent provided | Web | 2020-06-11 | Closed with non-monetary relief | Yes | null | 3,693,297 |
2023-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 75068 | null | Consent provided | Web | 2023-06-21 | Closed with non-monetary relief | Yes | null | 7,145,977 |
2017-11-06 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I contacted this collection agency in regards to the debt. I was asking questions about the credit reporting guidelines and I tried to ask the representative for the validation of the debt, because I paid this off directly to the original creditor prior to being placed in collection. I never received notification via mail that this debt was owed originally. As soon as I started asking for proof, the representative became short, told me he had to go, refused a transfer to a supervisor and refused to supply a name. The behavior exhibited by this agent confirms my suspicion that this is a fraudulent debt when I asked for proof. I 'm requesting I receive written validation of this debt from the original creditor including a payment history as this remaining balance was paid. I request the derogatory mark be removed from my credit report until I receive these documents to my correct address. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | IN | 460XX | null | Consent provided | Web | 2017-11-06 | Closed with explanation | Yes | null | 2,721,316 |
2023-02-03 | 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 | XXXX XXXX has not updated my name change sent four years ago. I was told they had the change on file and it was never processed about 6 months ago. I received a letter stating it would take 60 - 90 days for the name change to kick in. It has been 6 months and it is STILL the WRONG name! TransUnion and XXXX were ALSO sent documents and they have not processed a single thing. I have been dealing with this for XXXX years now, can anyone just do their job? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90638 | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,526,613 |
2022-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60619 | null | Consent provided | Web | 2022-07-26 | Closed with non-monetary relief | Yes | null | 5,812,054 |
2022-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Acct # XXXX reporting incorrect information | null | Genesis FS Card Services, Inc. | NJ | 075XX | null | Consent provided | Web | 2022-10-13 | Closed with explanation | Yes | null | 6,082,874 |
2019-12-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Attached to this complaint is a police report and identification information for Equifax Office of Consumer Affairs Department to review. The following accounts listed on my Equifax credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX, {$560.00}, and XXXX XXXX XXXX Credit Card, {$1800.00}. The following accounts/cards are lost/stolen : XXXX XXXX Credit Card, XXXX Credit Card and XXXX XXXX XXXX XXXX Credit Card. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX, XX/XX/2019 | null | EQUIFAX, INC. | MN | 55408 | Servicemember | Consent provided | Web | 2019-12-27 | Closed with non-monetary relief | Yes | null | 3,478,524 |
2018-03-25 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | Chase credit card opened and used without my knowledge, also payments made out of my company account. | null | JPMORGAN CHASE & CO. | TN | 37027 | null | Consent provided | Web | 2018-03-25 | Closed with explanation | Yes | null | 2,853,795 |
2018-04-25 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I recieved a letter in earlyXX/XX/XXXX from Transworld Systems Inc ( TSI ) regarding a debt collection on behalf of XXXX. No information was given in the initial communication regarding the incurrence of the debt, just that a balance was owed.
I responded in writing on XX/XX/XXXX requesting additional information. When I received no further communication three weeks later I called TSI 's toll free number. I was told that my written response was not received, but was given the date of the original XXXX service in question. I asked that those details be sent to me.
I received the next communication from TSI approximately one week later which included an invoice from XXXX. This was the first time I had seen anything from XXXX stating a balance was owed.
I did recognize the shipment date from late XX/XX/XXXX ( less than three months prior to receiving first notice of debt collection from TSI ) and information as being valid, and although I had not received any communication from XXXX before, during, or after delivery regarding a balance owed, since the amount was less than {$40.00} I then made arrangements to have the balance paid.
Upon logging into the TSI website ( XXXX XXXX XXXX ), I found a pdf of another communication from TSI dated XX/XX/XXXXwhich states : " We have not received a response regarding your past due account ( s ) with XXXX XXXX XXXX XXXX . Previous attempts by our office requesting that your account ( s ) be resolved have been unsuccessful. Please contact our office to make arrangements to resolve your account ( s ). Thank you. '' This is concerning given that I had provided written response in late XX/XX/XXXX and made a follow up phone call in early XX/XX/XXXX. Given the questionable business practices to date of both XXXX and TSI I did not feel it would be in my best interest to continue to dispute the claim, and given the small amount, decided to process a payment in full on XX/XX/XXXX. However, these small amounts can add up, and I believe these companies are defrauding consumers. | null | TRANSWORLD SYSTEMS INC | KS | 66614 | null | Consent provided | Web | 2018-04-25 | Closed with explanation | Yes | null | 2,887,235 |