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customers-complaints-train-eval

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2020-10-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Innovis is ignoring my dispute letter and they haven't manually went through my letter they are reporting false information on my credit report which is effecting my chance of getting a job position and chances of getting a home loan

CBC Companies, Inc.

PA

150XX

Servicemember

Consent provided

Web

2020-10-17

Closed with explanation

Yes

2022-12-04

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

I have a lot of statements saying I payed for something I did not pay for and hotel rooms I was never in My bank is flagstar bank I was also sent false statements mailed to me I also changed cards I think someone got my routing number and account number I'm on XXXXXXXX XXXX XXXX XXXX did not realize all this till now

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Flagstar Bank, N.A.

WI

548XX

Consent provided

Web

2022-12-04

Closed with explanation

Yes

2023-03-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CORELOGIC INC

TX

75204

Consent provided

Web

2023-03-06

Closed with explanation

Yes

2022-03-18

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

A bunch of errors was being stated in my XXXX XXXX XXXXXXXX, I have sent out letters to both Bureaus and Creditors about the erroneous information but they have neglected my request of submitting to my address any proof or documents to validate the accuracy of their investigation. They failed to meet the XXXX XXXX requirements.

JPMORGAN CHASE & CO.

ID

83814

Consent provided

Web

2022-03-18

Closed with explanation

Yes

2017-06-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

XXXX Confirmation # XXXX XXXX XXXX XXXX XXXX GA XXXX Trans Union File # XXXX XXXX XXXX XXXX PA, XXXX XXXX Report Number # XXXX XXXX XXXX XXXX XXXX , TX XXXX To Whom It May Concern : This letter is to request the removal of the fraud alert on my personal credit report. My identification I have include my copy of my ID and current address : XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , Oh XXXX DOB : XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX Position : XXXX XXXX XXXX Cell Phone : XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

43213

Consent provided

Web

2017-06-25

Closed with non-monetary relief

Yes

2019-07-22

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 WOULD LIKE IT TO BE REMOVED FROM MY CREDIT REPORT.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78621

Consent provided

Web

2019-07-22

Closed with explanation

Yes

2022-08-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I got a XXXX XXXX XXXX XX/XX/XXXX I signed up for automatic payments weekly. I never missed a payment and they started reporting the payment late and their excuse was it's late from when it actually goes to them not when it's debited out of my account. Also their interest is ridiculous which is not in my contract they have daily interest chargers and it can be whatever they want it be what I was told by one of the customer service. I the lease was for {$17000.00} I paid over {$12000.00} in two years they said I still owe {$14000.00} my insurance company paid {$10000.00} when the vehicle was totaled out in XX/XX/XXXX they have been reporting every month on my credit report missed monthly payments. I don't owe them paid more than enough they are rude when I call told me good luck on getting it deleted from my credit report. Now they are saying I still owe them {$4000.00} or settle for {$600.00} and the person who is responsible for reporting credit can't be contacted by phone only by email that they can't provide me. The company is XXXX XXXX I joined a class action lawsuit against them for doing the same to others yet they are still posting inaccurate information on my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

19145

Consent provided

Web

2022-08-12

Closed with explanation

Yes

2023-06-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Bank XXXX XXXX XXXX XXXX, XXXX, XXXX I have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23324

Consent provided

Web

2023-06-23

Closed with explanation

Yes

2015-08-17

Debt collection

Credit card

False statements or representation

Attempted to collect wrong amount

XXXX representing capital one bank indicating I owe full balance {$6200.00}. I never even had credit that high let alone owe this bogus attempt to collect. it says at the bottom Because of the age of the debt we will not sue you and we will not report it to a credit reporting agency ... Totally a scam.

CAPITAL ONE FINANCIAL CORPORATION

NJ

08094

Older American

Consent provided

Web

2015-08-17

Closed with explanation

Yes

Yes

2021-08-13

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/XXXX and on XX/XX/XXXX two dispute letters accompanied by several copies of my personal documents were signed and delivered to SageStream about several inaccuracies that are still currently reporting on my SageStream Consumer File. I've also mailed a 3rd dispute letter to SageStream that was signed and delivered on XX/XX/XXXX that i'm still currently waiting on as well. As of XXXX XXXX my first dispute letter delivered on XX/XX/XXXX is currently 93 business days late as to responding to my dispute. As of XXXX XXXX my second dispute letter delivered on XX/XX/XXXX is currently 39 business days late as to responding to my first dispute This is unacceptable and SageStream is in violation of the fair Credit Report Act by not providing me an answer in the 30-35 time period of providing me any investigation results

ID Analytics, Inc.

AZ

85013

Consent provided

Web

2021-08-13

Closed with explanation

Yes

2023-01-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am not satisfied that XXXX, XXXX and Transunion have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting their examination. I sense that the remaining accounts needs proper action to assure the maximum possible accuracy on my credit file. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three- month period preceding the date the subsequent report is furnished. Please update the accounts : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$9900.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93560

Consent provided

Web

2023-01-06

Closed with non-monetary relief

Yes

2022-08-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

The list of inquiry and information in my report were inaccurate. I emailed it to each credit bureau, requesting that they investigate it and analyze my files. However, that information continues to be reported and is now having a negative impact on my credit. As a result, the credit bureau takes no action to remove the inaccurate information and inquiry listed below. EMPLOYER : XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/2020

EQUIFAX, INC.

GA

30720

Consent provided

Web

2022-08-02

Closed with explanation

Yes

2023-07-25

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'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.

MD

21213

Consent provided

Web

2023-07-25

Closed with explanation

Yes

2022-09-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have incorrect information on my credit report, I have listed these accounts all below. These accounts are reporting to all three credit reporting agencies. I also, have incorrect information reporting to all three credit reports in regards to my car payment. During the pandemic my car payment aloud me to skip a couple payments and advised that it wouldn't effect me negatively and then they reported I had late payments. I have tried to deal with all these issues directly with the companies and have gotten no where and this negative information is keeping me and my children from getting housing. Please see incorrect info reporting to all three credit reporting companies, these accounts do not belong to me. XXXXXXXX XXXX XXXX XXXX Account # XXXX Amount {$720.00} XXXX XXXX XXXX # XXXX Amount {$450.00} XXXX XXXX XXXX Account # XXXX Amount {$240.00} XXXX XXXX XXXX XXXX Account # XXXX Amount {$230.00} this account below is my car payment and they are reporting me late during the pandemic and I was never supposed to be reported late. XXXXXXXX XXXX XXXX Account # XXXX Lates below and this was never to be reported to the credit reporting agencies, they advised it would not effect me negatively because of the pandemic. 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.

OH

43068

Consent provided

Web

2022-09-30

Closed with non-monetary relief

Yes

2017-10-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter

Company has responded to the consumer and the CFPB and chooses not to provide a public response

FC HoldCo LLC

NC

XXXXX

Servicemember

Consent provided

Web

2017-10-25

Closed with explanation

Yes

2022-11-14

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I checked my credit score and noticed a bill in collections for {$4900.00}. Called XXXX and figured out the account was not made by me and it is identify theft. The lady I spoke too said the person made the account in XXXX. Ive had no knowledge of it until XXXX when the bill went into collections. She told me to make a police report, which I will do today XX/XX/XXXX and to make a report on this website. I also disputed it through the collections company which is Convergent, but they denied the dispute.

Convergent Resources, Inc.

MI

48036

Consent provided

Web

2022-11-14

Closed with explanation

Yes

2017-05-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

This is my 3rd dispute with XXXX XXXX regarding the inaccurate reporting of 30 days late for XXXX 2016 . Each representative that I speak with tells me it has been updated and each month of reporting it reflects the same information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

VA

23608

Consent provided

Web

2017-05-08

Closed with non-monetary relief

Yes

2017-03-25

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

Ive been receiving phone calls from a number that does not speak when answered. Then I received a letter saying I of {$470.00} but is I pay now or make payment arrangements now they 'll settle at {$95.00}. I 've called the phone numbers listed and they are not in service. I looked the collector up on the web and once I disclosed the account # listed and that my Attorney and I have worked deligently to bring my current credit to good status, I was disconnected by the other party.

Convergent Resources, Inc.

TX

77064

Consent provided

Web

2017-03-28

Closed with explanation

Yes

No

2019-12-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

On XX/XX/2019 I sent a package to Experian notifying them of an issue on my credit report showing 3 ( 30-Day Late ) payments on my current account with XXXX XXXX which is inaccurate. I sent a full package including my bank statements as proof of the inaccuracy. In turn, I was informed by the Bureau that this information I sent was invalid and the lates would remain. I then contacted XXXX XXXX and the Accounting Rep XXXX, told me to contact Experian. I explained to the Rep that I did and was unsuccessful. He stated there was nothing he could do to rectify the issue and the system inputs the late payments.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

92223

Consent provided

Web

2019-12-09

Closed with explanation

Yes

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

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

337XX

Consent provided

Web

2023-06-20

Closed with explanation

Yes

2021-05-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are accounts, an address, and inquiries that are listed on my credit reports that do not belong to me, nor do I have any knowledge of them. Please remove them in its entirety from my credit.

EQUIFAX, INC.

CA

92128

Consent provided

Web

2021-05-09

Closed with explanation

Yes

2022-01-18

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Hi, I went into XXXX XXXXXXXX XXXX XXXX XXXX XXXX to receive my Covid-19 vaccine, XXXX. I had a bad reaction XXXX 's first dose. I was told by the hospital I would not incur any medical charges due to the fact that it was a bad reaction to XXXX and they said XXXX would take care of the charges. However, a year later I am still getting a charge from XXXX XXXX XXXX over the bill that was related to the Covid 19 vaccine. I had tried calling XXXX, but they outsource their call center to XXXX and they are not able to fix my issue without a contact person at XXXX XXXX 's XXXX XXXX XXXX. I was on hold trying to reach a supervisor, since they are the only ones able to fix the bill. I spoke to XXXX employee number XXXX. I need them to fix the creditor issues and the bill since it was related to the Covid 19 vaccine.

Kriya Capital, LLC

CA

90068

Consent provided

Web

2022-01-18

Closed with non-monetary relief

Yes

2017-11-13

Credit card or prepaid card

General-purpose credit card or charge card

Unable to get your credit report or credit score

Other problem getting your report or credit score

ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX

TD BANK US HOLDING COMPANY

FL

33484

Consent provided

Web

2017-11-16

Closed with explanation

Yes

2020-10-30

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

Suntrust Bank sends payments to other address except where instructed on the site. Results have been late penalties and CASH IS MISSING from my account as erroneous check was cashed with no explanation. Suntrust is the most incompetent bank in the state. Very friendly at opening accounts and touting their excellent service. Don't believe it for a minute, you have to take a day off of work to deal with their 800 numbers and bad branch support.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRUIST FINANCIAL CORPORATION

FL

33176

Older American

Consent provided

Web

2020-10-30

Closed with explanation

Yes

2023-07-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76036

Consent provided

Web

2023-07-29

Closed with non-monetary relief

Yes

2020-07-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Dear XXXX : I am contacting you regarding 30-day derogatory marks that appear on my three credit bureaus reported by XXXX XX/XX/2020. I dispute these and demand a full removal of the 30- day late mark based on the enacted Section 4021 of the Coronavirus Aid, Relief, and Economic Security Act ( the CARES Act ) which bars ( and makes illegal ) such a derogatory mark, subject to its terms. The purpose of this letter is to ask that the derogatory mark immediately be reported as current to the three major credit reporting agencies, XXXX, XXXX, and Trans Union so that this matter be resolved amicably and without any court intervention. I thank you for your anticipated cooperation. Prior to the missed payments I attempted to contact XXXX regarding my charge card payments, albeit unsuccessfully due to hold times several hours long. My income has been temporarily negatively impacted by the COVID-19 outbreak, I have experienced severe financial hardship as a result of the economic standstill that our country is going through. Recently, and in response to the COVID-19 outbreak, the CARES Act was signed into law by the President of the United States on Friday XX/XX/2020. The CARES Act modifies the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( the FCRA ) by precluding furnishers of credit information ( which specifically includes all major banks ) from reporting any deferred payments, forbearances, or other missed payments during the covered period. More specifically, Section 4021 ( F ) titled Reporting Information During COVID-19 Pandemic ( the Act ) states : if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ... It is important to note that accommodation is defined broadly in the Act and encompasses any consumer who is affected by the coronavirus pandemic during the covered period. ..if the credit obligation or account was delinquent before the accommodation ..if the consumer brings the credit obligation or account current during the period described in ( aa ), report the credit obligation or account as current. The term covered period means the period beginning on XX/XX/2020 and ending.. 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/2020 under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. Here, it is clear that my missed payments comes within the scope of the CARES Act ( and specifically Section 4021 ) because : 1 ) the industry that I work in has been eviscerated by COVID-19, who has experienced significant financial hardship ; 2 ) the Missed Payment was within covered period ; 3 ) the Missed Payment was delinquent when it was reported to the credit reporting agencies ; and 4 ) I paid the account and brought it to current by XX/XX/2020. Due to the above, such unauthorized reporting on my credit reports has caused and will continue to cause substantial damages. Doing so constitutes a clear violation of the CARES Act which was designed to assist consumers during these unprecedented economic times, not punish them. In addition, violation of the CARES Act also constitutes a violation of Cal. Bus & Prof. Code 17200, et seq. XXXX actions are clearly unlawful ( the CARES Act ) and unfair ( downturn in the economy ). As you may be aware, Cal. Bus & Prof. Code 17206 permits penalties of up to {$2500.00} per violation ( which in our view, is each day that the derogatory mark appears on my clients account, multiplied by three for the three credit reporting agencies ) plus the recovery of all costs and fees. In fact,. I was recently denied a loan due to his credit score being slightly below the minimum requirement for the lender a difference that can be specifically attributed XXXX derogatory mark!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92173

Consent provided

Web

2020-07-28

Closed with explanation

Yes

2023-10-03

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The fraudulent account appearing on my credit report is : XXXX I sent a request to Transunion to have all of the incorrect information removed from my credit report, Pursuant to section XXXX of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Transunion did not take any action regarding the incorrect and fraudulent information on my credit report. Transunion did not remove the fraudulent account. Meanwhile, the two other credit bureaus removed the fraudulent info .This is a clear violation of the section XXXX of the Fair Credit Reporting Act and Transunion should be held accountable. Their inaction is making my life unfairly difficult.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92618

Consent provided

Web

2023-10-03

Closed with explanation

Yes

2021-09-09

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I am being sent to collections by an insurance company that I still have a paid up policy with.

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

CA

91910

Consent provided

Web

2021-09-10

Closed with explanation

Yes

2017-08-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

This was an auto loan taken out by my ex husband ( regency finance co. ). Not only has it been closed and charged off but happened in 2010. We have been since divorced, and it shouldnt be on my credit report

FIRST NATIONAL BANK OF PENNSYLVANIA

OH

43050

Consent provided

Web

2017-08-08

Closed with explanation

Yes

2022-04-21

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

Unauthorized hard inquiries

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

FL

33880

Consent provided

Web

2022-04-21

Closed with explanation

Yes

2022-12-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NY

11206

Consent provided

Web

2022-12-02

Closed with explanation

Yes

2023-06-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

Recently, I discovered an unauthorized late payment from your business on my credit record. Transactions like payments are not meant to appear on a consumer credit report, according to the FCRA. I'm aware that there was a billing mistake, but I just want it to be fixed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77082

Consent provided

Web

2023-06-06

Closed with explanation

Yes

2019-12-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I have yet another inaccurate account being reported on my file, as such I was turned down from XXXX XXXX XXXX XXXX because of a 30 day late on a XXXX Card underwritten by notorious liar XXXX XXXX XXXX XXXX ( use to be XXXX XXXX ), I have reached out numerous times, as the account has Zero lates aside from this contrived one. I have never been late always paid in time. In fact for many years, and have run thousands throughout the account and never carried a balance! I want this fixed immediately as I have been harmed!

EQUIFAX, INC.

KS

66047

Consent provided

Web

2019-12-03

Closed with explanation

Yes

2022-12-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have a big issue with the credit reporting agency mainly check systems as I going through reviewing my file I noticed that my credit has not been up to par and it does not reflect having XXXX or XXXX accounts on my negative accounts on my credit file for it to be at a for a low low XXXX XXXX so I started doing some investigation and got all my reports from each of the reporting agencies check system mainly I asked for XXXX separate reports and verify that every XXXX of their reports has my business or somebody some some form or some way business dealings that I have is being reflected on my personal credit or personal XXXX XXXX report and which is internal repairs on my credit they're using XXXXXXXX XXXX which is a account that's already been paid off to basically throw up a red flag and say hey this is this is what we got him to XXXX XXXX for, and then turn around and report it to my personal credit as a inquiry Banks why we can't get a checking account or banking account is due to the fact they're reporting on my business debt or business transactions under increase view by others under my personal file view by others they just change the name of it so I'm a registered XXXX so they have found a way to not put it put it negative information directly on my personal from these Banks because I would lse baby we just reported it differently I know this because I'm 100 % sure of this because I have not tried to open too many personal bank accounts in the last XXXX years maybe XXXX or XXXX and for them to say that all the inquiries are because of a personal inquiry because I will try to open a bank account is not the truth so I went back and and matched every business every XXXX of the names on there has some kind of business dealing with me or they either had XXXX XXXX reported on there behalf XXXX reported for them like XXXX XXXX XXXX

CBC Companies, Inc.

IL

62025

Consent provided

Web

2022-12-22

Closed with explanation

Yes

2023-04-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

FC HoldCo LLC

CT

064XX

Consent provided

Web

2023-04-23

Closed with explanation

Yes

2022-10-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : 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.

EQUIFAX, INC.

CO

80920

Servicemember

Consent provided

Web

2022-10-17

Closed with explanation

Yes

2023-07-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX, Illinois, XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX XXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years! Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXX XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX FL XXXX XXXX XXXX MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. Promptly update my consumer report with the correct and accurate information. Provide me with a written statement of the investigation results and any changes made to my consumer report. Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

60446

Consent provided

Web

2023-07-26

Closed with explanation

Yes

2020-10-22

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I paid my XXXX XXXX account twice for {$440.00} on XX/XX/2020. Once by Bank of America business account bill pay and once by new automatic pay by Bank of America visa debit card. I received back from XXXX duplicate payment {$440.00} credit. I put claim on BofA debit card transaction {$440.00} because of double payment. I later released claim on debit card transaction for XXXX to get payment. XXXX does not ask for payment twice. Bank of America does not return funds after claim was stopped. Visa still has funds that are in limbo not collected by XXXX except on a new auto debit card transaction and BofA will not give the funds back. I want my {$440.00} returned to my business checking account so I can finally pay my XXXX bill.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

91401

Consent provided

Web

2020-10-22

Closed with explanation

Yes

2020-12-29

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

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

CAPITAL ONE FINANCIAL CORPORATION

MA

02721

Consent provided

Web

2020-12-29

Closed with explanation

Yes

2023-08-23

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I received a bill from Citibank in the amount of {$120.00} and I paid it in full on XX/XX/XXXX ( it was due on XX/XX/XXXX ) electronically. I received another bill in XXXX with a late fee of {$33.00}. I called Citibank and they informed me that they did not receive a payment and that I needed to provide them with a copy of the check and a copy of my bank statement showing the amount was deducted from my account, and they temporarily reversed the charge pending their investigation. I provided them with both the check and my statement on XX/XX/XXXX. I called again on XX/XX/XXXX when I received a letter in the mail stating that they were reversing the credit and charging me again. I called that day and they said they couldn't read the documentation that I sent them electronically and that I needed to submit it again along with the bank transfer information. At this point I called my bank and they sent me a letter with the information and I subsequently sent the information to Citibank again. I followed up with an email on XXXX and I received a message stating that I would receive information regarding the follow up once they completed the investigation. Again, I received a bill from Citibank in the amount of {$120.00} and when I called they said that they didn't receive the information requested so I needed to resubmit and that the account was still under investigation. When I asked every time to speak to a supervisor or someone who was in charge of my account I was told to just call back in 24 hours. I have made 2 trips to the bank and made 5 phone calls regarding this issue. I have submitted copies of my bank statement, a copy of the check provided by my bank, as well as a letter from my bank stating that the payment was made. They have no made no attempt to help me as the customer, no one has once called me to tell me that the information was difficult to read, nor have they asked me to provide them with a copy of these documents via the mail or fax, they just keep sending letter stating that I still owe the money.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

CT

06489

Consent provided

Web

2023-08-23

Closed with explanation

Yes

2017-10-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

The year 2017 of this year where my information was stolen from different sources that uses XXXX and XXXX and Trans union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38141

Consent provided

Web

2017-10-08

Closed with explanation

Yes

2019-12-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Problem with personal statement of dispute

I paid off my XXXX XXXX ccount after being dissatisfied with the products and closed the account. Comenity bank charged me a fee {$25.00}. I could not call the bank only XXXX XXXX accepted the calls and I had to write Comenity only with my complaint. I received a response telling me to give evidence of my phone communication, which I did. I paid the bill after it reached {$110.00}. and attempted to resolve the issue and ask them to return my money once u sent them the transcripts proving there was phone communication to close the account and pay off debt. Commenity bank has ruined my credit and fraudently charged me late fees

Bread Financial Holdings, Inc.

NC

28226

Older American, Servicemember

Consent provided

Web

2019-12-28

Closed with explanation

Yes

2020-10-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

601XX

Consent provided

Web

2020-10-15

Closed with explanation

Yes

2020-03-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX is reporting on a debt that I do not owe! This debt has been paid and it needs to be fixed on my credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

UT

84065

Consent provided

Web

2020-03-26

Closed with explanation

Yes

2021-04-02

Student loan

Private student loan

Incorrect information on your report

Account status incorrect

I had a student loan with Wells Fargo until they recently switched to XXXX XXXX. They inaccurately reported that I was past due over {$10000.00} resulting in my credit score dropping 50 points over night. They were sending past due notices to the incorrect address as well as had my name incorrect. I randomly picked up the phone XXXX day from a XXXX number and found out I was past due on my account even though I was in forbearance due to Covid-19. I immediately made a payment so they wouldnt send me to collections. I then made a second payment, bringing my last due amount to around {$300.00}. I called and asked if I could wait to make a payment since they no longer owned my loan. I didnt feel right paying them when I would be paying a new company 2 days later. That night, I received a notification that they said I was past due {$10000.00}. Its completely inaccurate and they refuse to change it, even though they dont even own my loan anymore. They tacked on several late fees all without my knowledge. They said they attempted to contact me but I received nothing. I asked for address and name updates, all of which they said they did and I still received nothing to indicate I was past due. It has ruined me financially and they refuse to work with me.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

CA

93277

Consent provided

Web

2021-04-02

Closed with non-monetary relief

Yes

2022-08-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

My soon to be ex-wife who XXXX me with hot grease this year used my credit cards while I was in the XXXX. We are presently awaiting court for her to be prosecuted. I paid off the account and asking XXXX XXXX to forgive me for all late payments that she did.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

35211

Consent provided

Web

2022-08-27

Closed with non-monetary relief

Yes

2022-04-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Public record information inaccurate

I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.

EQUIFAX, INC.

IL

60443

Consent provided

Web

2022-04-13

Closed with explanation

Yes

2021-12-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

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 have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}

EQUIFAX, INC.

PA

19143

Consent provided

Web

2021-12-08

Closed with explanation

Yes

2021-04-03

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I put in a dispute on XX/XX/2021 for a transaction I got scammed on. the transaction was for {$2700.00} made on XX/XX/2021. I got an update on the dispute on XX/XX/2021 that the results were not in my favor. I disputed this transaction because I bought jewelry in which the seller told me it had real diamonds, I took it to another jeweler, 3 to be exact and they all told me it was not real, I do have a video of another jeweler saying it was not real. I contacted the seller and requested a refund in return for his fake jewelry he sold me, and he told me no its not his problem, there is nothing he could do about it. Moral of the story he won because he provided evidence that I bought it, in which I did, I didnt dispute it due to fraud transaction, I disputed it because I got scammed. im trying to dispute that dispute and restart the " investigation '' and submit my evidence and I was supposed to get an email but haven't. im disappointed with Goldman Sachs bank and the merchant.

GOLDMAN SACHS BANK USA

FL

321XX

Consent provided

Web

2021-04-03

Closed with explanation

Yes

2021-07-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

My identity was stolen.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60628

Consent provided

Web

2021-07-12

Closed with explanation

Yes

2023-04-22

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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX AV XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$160.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$680.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXXXXXX XXXX XXXXXXXX ( Original XXXX XXXX XXXX ) XXXX Balance : {$97.00}, Medical XXXX Balance : {$770.00}, XXXX XXXX Balance : {$770.00}, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/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 alleged identity theft, not later than 4 business days after the date of receipt.

EQUIFAX, INC.

OH

43420

Consent provided

Web

2023-04-22

Closed with explanation

Yes

2020-08-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

I have been sending certified letters to XXXX XXXX XXXX, my account # XXXX XXXX XXXX XXXX, to update and report correctly to the credit bureaus. I have been diligently paying my store credit card and have gone beyond expectations to ensure that my balance has been brought down in order for me to keep a valuable relationship with the store and also repair my credit report/score. I met the expectations of the company and beyond, making additional payments on a regular basis. Now my balance is down to {$800.00} and my credit report shows {$1400.00} dated XX/XX/2020. I am constantly calling and requesting this to be updated and their process, and also sending certified letters. No response via mail and via phone the representative simply states it is up to the credit bureaus. To date no credit bureau, Experian, XXXX or XXXX have my correct information. I am sincerely trying to repair my credit and would like current accurate information in order for me to do so. Incidents like this prevent me from pursuing other creditors or stores. Thank you XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

902XX

Consent provided

Web

2020-08-13

Closed with explanation

Yes

2020-09-12

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I have no knowledge of this account so I have no information on it. The company is refusing to remove it saying it's accurate

EOS Holdings, Inc.

PA

15227

Consent provided

Web

2020-09-12

Closed with explanation

Yes

2022-04-24

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 Account 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.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

XXXXX

Consent provided

Web

2022-04-24

Closed with explanation

Yes

2023-06-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Credit monitoring or identity theft protection services

Didn't receive services that were advertised

In accordance with the Fair Credit reporting act. 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 an account without my written instruction. XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$900.00}, XXXX XXXX {$600.00}, XXXX XXXX {$19000.00} XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$2400.00},

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

AR

72223

Consent provided

Web

2023-06-15

Closed with non-monetary relief

Yes

2021-12-28

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in XXXX wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the XXXX report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong SSN numbers. The accounts that are not mine : XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXXXXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX

EQUIFAX, INC.

OH

43062

Consent provided

Web

2021-12-28

Closed with explanation

Yes

2023-08-09

Checking or savings account

Checking account

Opening an account

Account opened as a result of fraud

A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing.

JPMORGAN CHASE & CO.

IL

605XX

Consent provided

Web

2023-08-09

Closed with explanation

Yes

2021-03-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX Balance : {$0.00} GENERAL REV XXXX Balance : {$690.00} XXXX XXXX XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX Balance : {$4500.00} These accounts are involved in litigation and do not belong to me. I never established this accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

SinglePoint GI

CA

93230

Consent provided

Web

2021-03-03

Closed with explanation

Yes

2019-12-08

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Bread Financial Holdings, Inc.

MS

395XX

Consent provided

Web

2019-12-10

Closed with explanation

Yes

2019-12-04

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Right before closing my account and paying it off in FULL with a XXXX balance, Capital One, inaccurately and inappropriately reported my XX/XX/2019 payment as late. This is false and has resulted in my credit score dropping several points. During the six plus years as a Capital One member, my payment due date has always been the XXXX. As proof, Ive attached a copy of my bank statement-which clearly shows that I paid off my XX/XX/XXXXbalance in FULL on XX/XX/XXXX Yet this payment was reported late to the credit bureaus. This was not the case A payment must be at least 30 days ( or more ) late, to be reported to the credit agencies. XX/XX/XXXX payment was paid IN FULL prior to XX/XX/XXXX. My multiple pleas to Capital One have fallen on deaf ears. The frustrating task of contacting customer service and attempting to reach an individual is a fools errand. When faced with the challenge of resolving this erroneous mistake, you can literally feel their reps resort to a script and theres ZERO accountability. Its like a shell company being mechanically run, with no real overhead management to resolve issues. I humbly ask that you modify and remedy this error, as Ive been diligently working towards building my credit. Thank you, XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

GA

30144

Consent provided

Web

2019-12-04

Closed with explanation

Yes

2022-04-08

Student loan

Federal student loan servicing

Credit monitoring or identity theft protection services

Billing dispute for services

I graduated from XXXX in summer XXXX. All my student debt was in the form of federal loans. All except for one is managed by XXXX. I had 1 more managed by Heartland ECSI on behalf of XXXX. This loan was my smallest at about {$1800.00}. When the pandemic started, federal student loans were put on deferment ( and still are ). I was grateful that I could prioritize smart financial moves to build up savings, so I was not making payments as I did not have to. I received no notice from Heartland ECSI or XXXX that they had resumed charging interest and requiring payments. In XXXX of this year ( XXXX ) I went on to the Heartland ECSI website to verify my information because I was confused that I had heard nothing from them in a long time despite receiving regular updates from my other loan servicer. Upon logging in I learned they had been demanding repayment for months and I was more than 150 days delinquent on payment. All my contact information was correct but I had received no notice that I was expected to pay. At no point was I unable to pay this account and had I been aware I would have made the necessary payments with ease. The account was made current and I set up automatic payments of 4 times the minimum payment on XX/XX/XXXX. The entire account will be paid off in the next 3 payments. It was not until after I did this that I received my first correspondence from XXXX about this delinquent payment, in the form of a letter saying I will be sent to collections. This was received in the mail on XX/XX/XXXX and the letter is dated XX/XX/XXXX. Due to this delinquent payment, my credit score has been reduce by more than XXXX points. This is the only delinquent payment, or payment issue of any kind, on my entire report. Part of my plan in saving the past 2 years is I intended to purchase a home, however, with my credit score dropped so low I can not pursue this as it will sabotage my chances at a reasonable mortgage rate. I have called ECSI directly 5 times. On my first few tries it said I could leave my number and they would call me back in the order calls were received. I was never called back. On the XXXX try I finally got off hold and could talk to someone. The representative I spoke to informed me that once it was reported they could do nothing rectify it. I asked if a supervisor would be more helpful and was told again " there is nothing we can do '' and was not passed on to a supervisor. The only option I was given was to call XXXX, the entity they reported the late payment to, on a number the representative provided me. This number sent me to the XXXX credit report request line and had zero option to speak to a person or contest the delinquent charge. I did end up making an XXXX account to dispute the flag on my report, but without any further input from XXXX or ECSI, XXXX has zero ability to remove the flag. Heartland ECSI failed to notify me when payments resumed, has drastically damaged my credit score of nearly XXXX prior to this incident, and has been unwilling to work with me on resolving this issue that serves no purpose but to hurt my financial situation to none of their benefit.

HEARTLAND PAYMENT SYSTEMS INC

CA

91387

Consent provided

Web

2022-04-08

Closed with explanation

Yes

2018-10-02

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

XXXX XXXX has presumably purchased some old debt and has " re-aged '' the debt to the date they purchased it, thus negatively impacting my credit report.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

AL

352XX

Consent provided

Web

2018-10-02

Closed with explanation

Yes

2018-08-06

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/XXXX I saw my XXXX report. There was a collection item furnished by ABR Recovery Services. I had received neither phone calls nor written notice of this debt owed to XXXX. I have never had any business with XXXX. This is not my debt. I called ABR recovery services to inform them that this wasnt my account and they proceeded to give a account number, XXXX which they obtained from XXXX, the original creditor. I reached out to XXXX and they assured me that this wasn't my account and I have ties to this account. I attached a letter from XXXX stated that I am not affiliated with this account in no fashion.

ABR Recovery Services LLC.

IL

60452

Consent provided

Web

2018-08-06

Closed with explanation

Yes

2017-11-27

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I made a purchase for a suitcase from an online merchant which represented themselves as an original brand. When I received the item and the purchase confirmation I realized the merchant was actually overseas but presenting themselves as a local brand. As soon as I received the item I was unsatisfied and contacted the merchant. The merchant was overseas and were limited in there English writing skills but I did get in there messages to return the item and that they would provide a refund. I disputed this transaction with my bank USAA initially on XXXX XXXX, 2017 the amount of {$250.00}, almost three weeks after the initial purchase. They provided me with a provisional credit right away. But it seems they needed more information on the transaction and because I did not provide it they came back and took the provisional credit back. After realizing what occurred and speaking to my bank I went to my email and provided the bank all of the requested documentation including emails between me and the merchant and USPS documentation showing the item was returned back to the merchant. It has now been over 100 days I still have no solution to my dispute. I 'm still waiting to have my funds of XXXX refunded. The item has been refunded back to the merchant. the merchant has stated they have requested to the bank to have funds refunded I do n't know if that is true or not.

Company believes the complaint is the result of a misunderstanding

UNITED SERVICES AUTOMOBILE ASSOCIATION

MD

20782

Servicemember

Consent provided

Web

2017-11-27

Closed with explanation

Yes

2023-06-17

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was paid

I had a vehicle loan through Mariner Finance , LLC in XXXX the vehicle I had financed through them was involved and considered a total loss in an auto accident by the insurance company in late XXXX the balance of the loan was paid by the auto insurance company at the time of the accident. Shortly after the accident Mariner Finance claimed there was a balance of roughly {$1400.00} that was not covered by the insurance and began collection activities, when I called and spoke to someone to dispute the balance they were claiming was still open I was offered a settlement amount of nearly half of that which i declined because I knew I did not owe any further money on the loan. As of today XX/XX/XXXX Mariner Finance has continued to report false and inaccurate information to the 3 credit bureau 's claiming that I owe them in excess of {$3.00} dollar and each month they keep increasing the amount of the debt they claim is owed they are unable to provide any verification of the debt as this has been disputed multiple times with them and each time they try to settle for 50 % of what they are falsely claiming is owed. If this company continues to report this false information and continues to damage my credit I will be left with no options then to take legal action against them in court,

MARINER FINANCE, LLC

NJ

08401

Consent provided

Web

2023-06-17

Closed with explanation

Yes

2022-04-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A.states I have the right to privacy. 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without written instructions. 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.

AL

360XX

Consent provided

Web

2022-04-02

Closed with non-monetary relief

Yes

2022-06-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Credit report has and address on my report -- -- -- I never lived there -- -want it removed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX NEVER LIVED AT THIS ADDRESS ON MY CREDIT REPORT WANT IT REMOVED

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MD

20774

Older American

Consent provided

Web

2022-06-16

Closed with non-monetary relief

Yes

2023-04-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

Requested an itemized bill due to company telling me the balance was high due to me owning on a phone. Although I never purchased a phone with the company. I only got phone service from the company. I never purchased a phone. Attempts to request an itemized bill was never given after multiple calls and visits to this company.

Kriya Capital, LLC

IL

60643

Consent provided

Web

2023-05-10

Closed with non-monetary relief

Yes

2020-12-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This letter is a formal complaint that the bureaus are reporting inaccurate and incomplete credit information. These accounts do not belong to me. I am distressed that the bureaus have included the information in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated and to be removed immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94577

Consent provided

Web

2020-12-15

Closed with explanation

Yes

2020-12-20

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected. When I called XXXX they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either. Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points

EOS Holdings, Inc.

CO

802XX

Consent provided

Web

2020-12-20

Closed with explanation

Yes

2018-08-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Checked my XXXX XXXX and looked at my hard inquiries and saw one from XXXX XXXX/XXXX that happened on XX/XX/2018 and i never applied for anything or did anything with my credit so i think someone might be trying to use my SS number

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

37122

Consent provided

Web

2018-08-22

Closed with explanation

Yes

2020-08-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

CAPITAL ONE FINANCIAL CORPORATION

NY

11208

Consent provided

Web

2020-09-02

Closed with explanation

Yes

2022-10-13

Credit card or prepaid card

Store credit card

Advertising and marketing, including promotional offers

Confusing or misleading advertising about the credit card

Since XX/XX/2020 I supposedly accepted an insurance plan to cover the credit card in the event that I become XXXX and can not make payments and this is being charged on my balance monthly. I have been charged over {$240.00} over the past 2 years and they say that I accepted this as part of my application, but this is slipped in during the application and often sneak out in, in a way so that if you do not uncheck a certain box you are accepting when you really are unaware of signing up for this. XXXX XXXX does this with all their cards and it should be illegal bc it's a scam!!! The government should do something about this!!!! I don't even have a way to view what I signed and they said that a package was sent to my address and that's a total lie. I don't even have an option to see my statement so I never knew about the scam they were doing to me.I don't have a copy of any document saying that I signed up for this. They only say that I accepted the plan electronically but they can say anything?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

FL

33569

Consent provided

Web

2022-10-13

Closed with monetary relief

Yes

2023-01-24

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

I had XXXX returned payments because my bank account was frozen and closed due to fraudulent activity from a different card. {$4000.00} was stolen from the bank account that I usually use to make my Amex payments. I informed Amex about the situation and they told me its okay just make payment from different bank account. Considering I have XXXX bank accounts I did and my payments were up to date. I always pay on time and pay off my cards before the end of billing cycle. I had another returned payment because I chose the wrong bank account and I asked Amex to stop trying to take the money out of the account XXXX times. I told them that bank account is the wrong account and I dont use the account and to cancel the payment since I realized my mistake before and made the payment right away with my different account. Amex then told me they need to verify funds from a different bank account which we did. I had sufficient money in there and they unblocked my card. After multiple times of telling them to stop trying to take money from the wrong bank account they did not and kept trying and trying. My Amex card balance is currently XXXX. They actually owe ME money. On top of that I just paid my {$690.00} membership fee which they informed me I might not even get back which is theft, I just paid them {$690.00} for membership and they then close my account? Seems kind of fraudulent to me. They then took {$1200.00} worth of points from me as well. I have been a member with Amex since 2017 I believe starting with XXXX Amex and then gold Amex and platinum. I have paid on time always and never missed a payment. What they are doing is fraudulent and I either would like my platinum card reinstated as well as my gold card or my membership fees back for both cards since they didnt even allow me to finish my year of membership with my gold card. Thats {$250.00} in membership fee for gold card and {$690.00} for platinum. Plus I would like my balance sent to me in form of check. I really would rather have my card reinstated and my points back but if not this is theft.

AMERICAN EXPRESS COMPANY

NY

10312

Consent provided

Web

2023-01-24

Closed with monetary relief

Yes

2022-05-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

33573

Consent provided

Web

2022-05-05

Closed with explanation

Yes

2017-09-30

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I am paying my loans under the Public Service Loan Forgiveness Program. XXXX XXXX XXXX my loans. XXXX XXXX has been very difficult to work with through the years, but what happened to me this month is absolutely appalling. I am a XXXX and have worked for a very large XXXX XXXX with over 55,000 employees. There are many XXXX throughout the system each with their own EIN number but all fall under one XXXX XXXX. Every XXXX is classified as XXXX. For the past 10 years, I have made my payments on time - never late!. I have regularly sent in updated Employment Certification Forms since I have worked in many of the XXXX throughout this XXXX XXXX for the past 10 years. I actually left the XXXX XXXX in XX/XX/XXXX and returned in XX/XX/XXXX, but still worked as a XXXX for XXXX XXXX XXXX that were classified as XXXX. As of XX/XX/XXXX, my account showed that I had made a total of 111 payments with 9 more to go. My expected loan forgiveness date was given as XX/XX/XXXX. In XX/XX/XXXX, I sent in a new Employment Certification Form to update my account. I am still at the same XXXX that they certified me for in XX/XX/XXXX. Since then, I have received 7 rejection letters for my application and today my account shows that they bumped me down to only 85 qualifying payments with 35 more to go and pushed my forgiveness date back to XX/XX/XXXX!! HOW IS THIS POSSIBLE!!! Needless to say, I have made countless phone calls. Every person I talk to has a different response, but none of it makes any sense. Luckily, I have kept every Employment Certification form that I have sent and every correspondence that they have approved. I have contacted the Ombudsman Office of the federal government that handles student loans and they have set up a caseworker to look into this matter. Right now I am so upset, I ca n't eat or sleep. Monday is XX/XX/XXXX. I am suppose to make my last payment, but now everything is a mess and no one can tell me how this happened!! I could see if anything I submitted was questionable, but it is not. I had every Employment Certification form filled out by an HR representative or payroll specialist where I have worked. I know every place I have worked is a non-profit health care facility. The customer service at XXXX XXXX XXXX is so poor. No one seems to follow through with anything. If a processor does not like something on your Employment Certification Form, they reject it, but do n't tell you why or how to fix it. At last count, I probably have made 50 phone calls, but I get no resolution - only empty promises that they will fix it. However, every promise to fix it turns into another rejection letter. I am going to fight them to the end. I have read that the Attorney General 's Office in New York has set up a XXXX for people to call with complaints about Fed Loan not doing their job to help those in the Public Service Loan Forgiveness Program. I live in Pennsylvania, but I am going to call them on Monday to see if they could guide me on who to contact in my state. I would appreciate any help you can give me on this matter. I have read so many complaints online about XXXX XXXX XXXX. I do n't know how they can get away with all of this incompetence. A few months ago, I had called Fed Loan just to see if everything on my account was up to date and if there was anything else I needed to provide to them. I was told I was one of only 211 people that were on track to have their loans forgiven on XX/XX/XXXX. Now look what they have done to me!!!

AES/PHEAA

PA

15216

Consent provided

Web

2017-09-30

Closed with explanation

Yes

2023-02-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

PLEASE REMOVE RANDOM INQUIRIES REPORTING ON MY CREDIT REPORT WITHIN 4 DAYS XXXX XXXX NA - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX, XXXX XXXX - XX/XX/XXXX XXXX

EQUIFAX, INC.

CA

92692

Consent provided

Web

2023-02-17

Closed with explanation

Yes

2023-03-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit reporting act, this creditors have violated my right. 15 U.S.C. 1681 Section 602 states that : I have the right to PRIVACY. 15 U.S.C. 1681 604 A Section 2 states that : Consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681 1666B states : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Galaxy Capital Acquisitions, LLC

IN

46324

Servicemember

Consent provided

Web

2023-03-16

Closed with explanation

Yes

2022-02-06

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

My loans were recently transferred from XXXX to aidvantage, i was paying XXXX with income driven repayment a total of {$150.00} a month which includes a payment of {$64.00} and a payment of {$95.00}. I was told I would not have to make any changes to payment as the transition should be seamless, the first month of having aidvantage they took a total of {$340.00} in 2 payments in XXXX - one of {$170.00} and one of {$170.00}. I had suddenly been receiving tons of mail from aidvantage and XXXX about my loans in the last 14 days and logged in on XX/XX/2022 to find out they had my autopay set up to withdraw approximately {$3000.00} from my account on XX/XX/2022 without any warning in any of the mail I had received or by phone/email. I immediately called aidvantage and they canceled my autopay and assured me they would not collect that money as the autopay has now been canceled. They also had issues putting me back into income driven repayment. Because of this I had them put me in COVID relief deferment so that I wouldnt have a payment, and I then I made a payment for {$170.00} as this is the amount I have been paying to XXXX regularly and monthly for the past 2 years. I realized they were wrong or lied and withdrew {$1700.00} on XX/XX/2022, over drafting my account. I logged into their website today to ensure that my autopay is off and found that I am no longer in the Covid relief and have a payment due for {$1200.00} which appears to be the amount that is left over after they overdrafted my checking account. I also received multiple past-due notices for small amounts such as {$5.00} and a {$30.00} for XXXX, despite being set up for Auto-pay and also already paying my loans for that month, which was an amount that they had already changed and increased.

Maximus Education, LLC dba Aidvantage

MI

49024

Servicemember

Consent provided

Web

2022-02-06

Closed with explanation

Yes

2022-06-14

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

XX/XX/XXXX I call twice today. The first time was to figure out why I got a letter in the mail dated XX/XX/XXXX which was the same day I made a payment. Telling me that I had not paid my bill and needed to or it was going to be turned off. They told me I got the letter because I paid XXXX days late. I hung up the phone already upset, I then went to the website and post dated the XXXX payment to come out on XX/XX/XXXX the due date. I then went on my bank account and saw that the payment posted against my bank for today. I called my credit card company back ( aspire ) and asked to talk directly to a supervisor. I told her about the call from earlier and that I post dated a payment for the due date onXXXX and that it came out today. She then told me if I make a payment with my debit card it will automatically come out same day. I asked her then why does the site let me pick a date and why is there no disclosure about if I use a debit card it will come out the same day that I have to put it my bank account info in. All she wanted to do was reverse the payment. But when I asked what happens if u forget or get busy on the due date and forget and pay a few days late again your just going to charge me another late fee. I asked again why was there no disclaimer about using a debit card and why was it not written any where. She had no answer. Told me I have been making payment so I had to know better. I was never told that this was an automatic thing only when I called XXXX other time a few months ago that it can sometimes happen. I got most frustrated with her and told her that all calls are recorded so she call dig that call up and see. Still no real answer as to why it is not posted anywhere about no matter what date you pick it will automatically come out same day. I told her I was filing a complaint

Company believes it acted appropriately as authorized by contract or law

Atlanticus Services Corporation

NJ

08865

Consent provided

Web

2022-06-14

Closed with explanation

Yes

2023-03-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$780.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77095

Consent provided

Web

2023-03-22

Closed with non-monetary relief

Yes

2021-08-21

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

The citizens account listed on my credit profile is a violation of my consumers rights. The account has conflicting date of last activity and date of last payment. This account is false and inaccurate. Please remove immediately. I have provided supporting documenting showing the inaccuracies of this account. Please remove immediately! I AM NOT A CREDIT REPAIR COMPANY.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

19120

Consent provided

Web

2021-08-21

Closed with non-monetary relief

Yes

2019-03-09

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

I opened a new checking account with HSBC on XX/XX/XXXX in XXXX XXXX, California and funded my account electronically. On XX/XX/XXXX, fraud charges started posting to my debit card, which I never received nor activated myself, and I was not notified when it was activated. I received an email from HSBC at XXXX XXXX on XX/XX/XXXX while I was in XXXX, XXXX, claiming a temporary block has been placed on my card. I tried to ask the reps on the live chat twice to block my card since the number provided in the email does not work due to holiday hours, but nothing happened. The fraudulent charges on the card keeps coming until I called a 24/7 number XXXX XX/XX/XXXX. A total of {$4100.00} was lost. I tried to submit a fraud investigation on the phone, but the process was not helpful and nothing significant was refunded. I had to talk to my personal banker on XX/XX/XXXX and got HSBC 's investigation team on the phone, but they asked me to file a police report. I filed the police report on XX/XX/XXXX and have been waiting for almost two months for a response but I have not received any refund from HSBC.

HSBC NORTH AMERICA HOLDINGS INC.

CA

941XX

Consent provided

Web

2019-03-09

Closed with explanation

Yes

2023-09-09

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NC

272XX

Consent provided

Web

2023-09-09

Closed with explanation

Yes

2019-03-22

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

On XXXX XXXX XXXX 2018 my dog was attacked by a pitbull in an incident that left her XXXX XXXX XXXX. The vet said XXXX would be required and I did not have enough money in my savings so the vet assistants offered me care credit and gave me a pamphlet about it. The pamphlet stated that I would have 6 months interest free on purchases and afterwards a 26.99 apr rate. This wasnt too different from my other credit cards so I naively agreed to it before reading care credits reviews. I took the offer and put {$1000.00} on credit from the vet bill. I payed the minimum monthly payment the first 6 months and expected the monthly interest afterwards to be $ 20- {$30.00}. After 6 months my payments had brought my balance down to {$810.00}. Then the FIRST statement after the 6 months were up came back with a whopping {$130.00} interest charge on purchases. Bringing my balance to {$940.00}. Almost back up to what I initially owed before payments. First of all the pamphlet said the first 6 months were interest free. So either this company was overtly lying on their advertising or charged me incorrectly. Either way it is very disingenuous to not be clear to consumers as to what they are signing up for when they sign up for this card and outright predatory to do this to people who are in need of medical care for themselves or their pets. I would of happily applied for a reliable company like chase credit if I had known this would be the case.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

NM

87105

Consent provided

Web

2019-03-22

Closed with monetary relief

Yes

2021-08-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Difficulty submitting a dispute or getting information about a dispute over the phone

Experian : you have recieved multiple complaints from the cfpb. In each complaint you are being sent documents that verify it's me, as well as an identity theft report. You have rejected every complaint on the grounds that you believe I am a third party credit repair company. I am not. I have the right to send you documentation via the cfpb reguarding any dispute. You do not have the right to deny that information. Can you explain to me why you have rejected the idtheft report sent via the cfpb 6 times?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

757XX

Consent provided

Web

2021-08-11

Closed with explanation

Yes

2017-08-12

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

First, Citibank changed the email address from which it sent my statements without notice ; as a result, my XXXX statement of {$340.00} was emailed directly to my spam folder and I had no notice of it. The XXXX statement had a payment due date of XXXX XXXX, 2017. Then, I did not receive notice of the overdue statement balance until XXXX XXXX, after receiving numerous phone calls -- the phone calls were basically nonstop and I had a crazy number of voicemails left on my phone. That same day, because of the phone calls, I went to my online account and saw the overdue balance, and that my XXXX statement included interest charge of {$6.00} and a {$25.00} late fee, bringing my total balance to {$370.00}. I immediately paid the balance in full ( {$370.00} ). The XXXX statement had a due date of XXXX XXXX, 2017. I then called Citibank to explain what had happened, and the customer service represented told me that once my payment had been processed, to call back in two days and they would refund me the interest and late fee. I called back two days later once the payment had been processed, only to be told that Citibank would NOT refund me the interest and late fee, even though it was their fault I had not received the XXXX statement. I was so frustrated that I decided to cancel my card -- I have great credit and have never had this type of issue with a credit card company before, and so decided I just would n't deal with Citibank. I then received my XXXX statement. Even though my XXXX statement was paid IN FULL on XXXX XXXX ( much prior to the XXXX XXXX due date ) and had a XXXX balance, Citibank charged me interest AGAIN. I then called again to explain the issue and their mistake, only to be told they would n't be refunding me. They 're literally thieves at this point. Lastly, I ca n't even download my statements from their website -- so I have had to take screen shots to send to CFPB.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

DC

20010

Consent provided

Web

2017-08-12

Closed with monetary relief

Yes

2017-12-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

WELLS FARGO DEALER SERVICES PROMISED TO REMOVE ALL HARD INQUIRIES FROM ALL CREDIT REPORTS, ESPECIALLY XXXX DATED XX/XX/2016

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

IN

XXXXX

Consent provided

Web

2017-12-14

Closed with explanation

Yes

2018-11-07

Debt collection

Medical debt

Threatened to contact someone or share information improperly

Talked to a third-party about your debt

Thunderbird collections ( TCS ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX AZ. XXXX, a medical debt in the amount of {$1800.00} has called my place of employment leaving various voicemails with personal information in spite of being requested not to do so. These calls put my employment at risk and they continue to do so, leaving messages with patient access and records at my employer. This is in addition to multiple calls daily to myself with threatening messages.

Thunderbird Collection Specialists, Inc.

AZ

86001

Consent provided

Web

2018-11-07

Closed with explanation

Yes

2020-05-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Difficulty submitting a dispute or getting information about a dispute over the phone

On " XX/XX/2020 '' my credit score went down 18 points because of supposedly my credit card was " 30 days late for the month of XX/XX/2020 ''. First of all, we're only 9 days into the month of XXXX of 2020 ... so how can I be 30 days late??? Second of all, I called the credit union and they said they NEVER reported this to the credit bureaus. Experian stated the credit union reported this late and that my dispute will take up to 30 days to get fixed. WHY DID THIS ERROR OCCUR? AND WHY DO I HAVE TO WAIT FOR SOMETHING TO BE CORRECT THAT'S CLEARY AN ERROR ON THEIR PART? My account is not late! My account even has a zero balance! And .... now I have to fight with 3 credit bureaus to fix this error. This is horrible!!!! No one is acknowledging their error, the credit union said they NEVER reported this, and the credit agency said the same thing but I have to wait. The credit bureaus are all lying, not reporting accurate information, and also sell our information. I'm a Veteran dealing with this XXXX!

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

78251

Servicemember

Consent provided

Web

2020-05-11

Closed with explanation

Yes

2023-03-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The TransUnion credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92201

Consent provided

Web

2023-03-30

Closed with non-monetary relief

Yes

2020-02-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

Affirm # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

UT

84010

Consent provided

Web

2020-02-05

Closed with explanation

Yes

2022-12-18

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/2022 I mailed a letter in regards to inaccurate and unknown items on my credit report. It has been over 30 days and I have yet to receive a response. I feel like my disputes are not being taken seriously, and I feel like I am being taken advantage of. I have researched and found that my disputes are to be investigated within 30 days. Because the investigation has surpassed the timeline required by federal law, the items in disputes must be deleted. If the items are not deleted immediately I will file for litigation for the stress caused. Additionally, my information was also impacted by the XXXX data breach and has most likely gotten into the hands of a malicious person.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78253

Servicemember

Consent provided

Web

2022-12-18

Closed with non-monetary relief

Yes

2022-01-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

My name is XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX My personal information, SS XXXX XXXX XXXX. I was just made aware of a fraudulent loan that was taken out under my name and credentials without my knowledge or permission. I have never done any business with a XXXX XXXX XXXX XXXX # XXXX ( XXXX XXXX ). I am disputing this under the Federal Law FRCA 605b. I have contacted the XXXX Police and the FTC and filed complaints.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

43062

Consent provided

Web

2022-01-12

Closed with non-monetary relief

Yes

2018-09-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

To Whom It May Concern, Credit Inquires : The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following credit inquiries are related to none of the aforementioned permissible purposes : ( Companies that have pulled my credit, whom you I not give permission to do so ) 1. XXXX XXXX XX/XX/2017. 2. XXXX/XXXX/XXXX XX/XX/2017. 3. XXXX/XXXX XXXX XX/XX/2017. 4. XXXX XXXX XXXX XX/XX/2017. Please remove these inquiries from my credit report immediately. I have enclosed a copy of my drivers license as proof of identity. I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. ( I DID NOT AUTHORIZE THIS INQUIRY. ) I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am remiss, and you do have my authorization to inquire into my credit report, then please send me proof of this. There is no question here, that you willfully violated my rights and that I could bring charges against you immediately but I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself or your staff of such dangerous actions. And if any of this letter is getting confusing to you, I recommend you have your attorney assist you in understanding this letter as well. I will also be checking my credit report to see if you have willfully reported an unverified and disputable debt to the credit bureaus. If so, that will be a violation of the Fair Credit Reporting Act. I will state again If I receive anything other than absolute proof that you removed all marks and comments from my credit file, I will assume you are harassing me and ignoring my cease and desist letter and will be reporting this to my State Attorney General and the XXXX XXXX XXXX and the XXXX. I am requesting with this written notice that the all inaccurate items be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. I have asked you to provide documentation about the account or application for credit pursuant to section 615 ( g ) ( 2 ) of the FCRA, you have not done so. Please provide me with the following documents pertaining to the fraudulent debt or application for service or credit : 1. Application records or screen prints of Internet or phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers and computers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account 9. Forms containing my clients actual signature, and not a computer printout of a signature. PLEASE REMOVE THOSE INQUIRYS.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

10453

Consent provided

Web

2018-09-25

Closed with non-monetary relief

Yes

2020-11-06

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

I was denied a XXXX Student Plus loan by the Department of Education which has resulted in a diminished chance of graduating from XXXX University with a XXXX XXXX XXXX in XXXX XXXX XXXX XXXX because the Department now requires perfect credit to get these loans. So I checked my XXXX Credit Report and found a collection from COLLECTION BUREAU OF FWB, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXFLXXXX ( XXXX ) XXXX for XXXX Tennessee XXXX XXXX XXXX XXXX. This debt is supposedly for services rendered in XXXX of 2018. I contacted the XXXX group and inquired about this as I had XXXX at that time. They have no record of providing service to me in XXXX, 2018, and no record of submitting a bill from that time or any other for collection. The Collection Bureau of FWB refuses to contact the provider to verify this or to send me their information justifying this collection. They also refuse to remove this fraudulent attempt to collect a debt from my XXXX credit report.

Collection Bureau of Fort Walton Beach, Inc

VA

242XX

Servicemember

Consent provided

Web

2020-11-16

Closed with explanation

Yes

2017-08-11

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

On XXXX/XXXX/2017 2 debts were removed from my credit report and on XXXX/XXXX2017 they were put back on my credit report without being notified this is illegal the following accounts are : XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX {$150.00}

EQUIFAX, INC.

TX

750XX

Consent provided

Web

2017-08-11

Closed with explanation

Yes

2020-08-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

XXXX XXXX XXXX XXXX has been resubmit or reinserted to my Transunion Account without my knowledge or consent without notice within 5 business days of reinstatement. The is a violation of FCRA rules. TransUnion is intentionally violating FCRA rules section XXXX Notice that this account has been reinserted and remove numerous times from my TransUnion credit report. Please see attachment ; After being removed on XX/XX/2020 XXXX XXXX XXXX XXXX was the reinsurted again without my knowledge on XX/XX/2020, Account was then removed On XX/XX/XXXX for violation. And today again XX/XX/XXXX for you XXXX XXXX XXXX has been reinserted without five business day notice. A violation of FCRA rules section XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33024

Consent provided

Web

2020-08-14

Closed with explanation

Yes

2022-03-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

Transunion, XXXX, and XXXX are reporting inaccurate information on my credit reports. There are addresses and aliases that do not belong to me. I have tried fixing this problem but have yet to hear anything back. This is negatively affecting me. I have already submitted documentation claiming that I believe that I was a victim of fraud. They are reporting different names and addresses on each report. I am exercising my right under the Fair Credit Reporting Act 611. The following addresses and aliases are reporting incorrectly and must be removed immediately. Please reference the letters that are attached to see the inaccurate information. These letters were sent over 30 days ago. I am seeking litigation if not removed.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

751XX

Consent provided

Web

2022-03-01

Closed with non-monetary relief

Yes

2022-08-11

Credit card or prepaid card

General-purpose prepaid card

Trouble using the card

Trouble using the card to spend money in a store or online

XXXX : I found a XXXX Gift Card in my XXXX XXXX XXXX ( XXXX XXXX ) things. The person who purchased the card had written {$150.00} on the cardholder ( it was unopened and unused ) I called XXXX ( XXXX XXXX ) to confirm the amount. I was told because my son was deceased I had to send them my authorization to use it. No problem. I sent them the court docs ( along with my ID ) which gave me the authority to act as XXXX Representative for my son 's estate. They told me it would be XXXX - XXXX weeks before they reactivated the card. XX/XX/XXXX : They could not find my file but when they did they told me it would be XXXX XXXX XXXX days and I would receive an email saying everything was clear XX/XX/XXXX : They told me it would be XXXX XXXX XXXX days and I would hear. They also told me to email customer service at XXXX XXXX and they would take care of it. XX/XX/XXXX : I emailed XXXX XXXX with no response XXXX : XXXX I emailed XXXX XXXX with no response Case # XXXX Last XXXX or the Gift Card : XXXX Exp. XX/XX/27 XX/XX/XXXX : No response from anyone I will call them again today. I do not anticipate any results. I am tired of the run-around. XX/XX/XXXX : Now they say they do not have any of the required information and I need to start over. Here is what I received : ( which was done and verified as complete in XXXX ) To continue with the process we recommend to mail the next information at Customer Service XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. - XXXX XXXX indicating the caller 's relationship to the deceased cardholder and why they are requesting the refund check - An original certified copy of the death certificate of the registered cardholder - A certified copy of letters testamentary or power of attorney, indicating the person is authorized to act on behalf of the estate of the deceased cardholder

Blackhawk Network Holdings Inc.

AZ

85306

Consent provided

Web

2022-09-09

Closed with explanation

Yes