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aciborowska

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customers-complaints-train-eval

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2021-08-08

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was paid

This account was settled and closed and this company is trying to open the account back up

Santander Consumer USA Holdings Inc.

NY

10303

Consent provided

Web

2021-08-17

Closed with explanation

Yes

2022-04-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

65616

Consent provided

Web

2022-04-21

Closed with non-monetary relief

Yes

2017-05-16

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

Recently while observing m y credit score a nd account overview on my XXXX XXXX app, I came across XXXX hard inquiry listings on both my XXXX and XXXX reports. On my XXXX report, there is an inquiry dated from XXXX XXXX , XXXX and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states the estimated removal date is XXXX of XXXX . The other hard inquiry, which is on my XXXX report is an inquiry from XXXX XXXX , XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my credit score. This spe cific inquiry states it is from XXXX ( XXXX XXXX XXXX XXXX . ) a nd will be removed at an estimated date of XXXX XXXX .

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

SYNCHRONY FINANCIAL

FL

33830

Consent provided

Web

2017-05-16

Closed with explanation

Yes

2023-04-30

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

Credit reporting

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

Was not notified of investigation status or results

I am writing to you to request validation of the debt that has been reported to my credit report by Covington Credit. I have not received any communication from Covington Credit that validates this debt, and I am requesting that you provide me with validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). Under the FDCPA, I have the right to request validation of the debt and request that the debt be removed if it is found to be invalid. As such, I am requesting that you provide me with documentation that verifies the debt 's existence, the amount of the debt, and its validity. I request that you provide me with the following information : The name and address of the original creditor. The original account number. The amount of the debt, including any interest and fees. A statement that validates the debt, or proof of my agreement to the debt. If you can not provide me with this information, I request that you remove the debt from my credit report immediately, as it is negatively impacting my creditworthiness and ability to obtain credit. Please respond to this request in writing within 30 days of receiving this letter. If I do not receive a response from you within this timeframe, I will assume that you are unable to verify the debt 's validity, and I will request that you remove it from my credit report. Thank you for your prompt attention to this matter. Sincerely,

Thaxton Investment Corporation

AL

35806

Consent provided

Web

2023-04-30

Closed with explanation

Yes

2020-06-10

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I need help on adding my bank account on XXXX

PNC Bank N.A.

FL

32839

Consent provided

Web

2020-06-10

Closed with explanation

Yes

2020-10-02

Debt collection

I do not know

Attempts to collect debt not owed

Debt was paid

On XX/XX/XXXX select portfolio servicing collected {$250000.00} from my proceeds of which they were not entitled. It is now Friday and although it was escalated I have not received my funds. The money was wired to them in one day Monday will be FIVE days theyve had MY money.

Company believes it acted appropriately as authorized by contract or law

SELECT PORTFOLIO SERVICING, INC.

MO

64081

Consent provided

Web

2020-10-02

Closed with explanation

Yes

2022-11-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX Account 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.

GA

30213

Consent provided

Web

2022-11-10

Closed with explanation

Yes

2019-06-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX,

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

Experian Information Solutions Inc.

HI

96732

Consent provided

Web

2019-06-21

Closed with explanation

Yes

2017-04-26

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Refuses to remove all inquiries. I have contacted the credit bureau multiple times explaining that I have contacted the furnishers of information they are reporting inquiries from and I have been able to get no where. I have not been able to get any factual evidence showing that the inquiries reported are mine. The credit bureau agency claims that they have validated the inquiries are factual. How can they determine something is factual when I can not?

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NM

87114

Consent provided

Web

2017-04-26

Closed with explanation

Yes

2023-01-14

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reinvestigated my credit report, I realized that the same accounts was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76017

Consent provided

Web

2023-01-14

Closed with non-monetary relief

Yes

2023-05-10

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.

EQUIFAX, INC.

NJ

08360

Consent provided

Web

2023-05-10

Closed with explanation

Yes

2022-10-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am a live single human being typing this narrative!!! In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX Have violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 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 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 the information is inaccurate I have not given any of these credit bureaus my written consent to post these accounts onto my credit report, student loans are not for public information nor is a mortgage.

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

Experian Information Solutions Inc.

SC

295XX

Consent provided

Web

2022-10-02

Closed with explanation

Yes

2023-10-18

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

Remove All Fraudulent Accounts Immediately

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

CITIBANK, N.A.

FL

33056

Consent provided

Web

2023-10-18

Closed with explanation

Yes

2020-07-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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

Experian Information Solutions Inc.

AR

72205

Consent provided

Web

2020-07-13

Closed with explanation

Yes

2017-12-12

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

Credit reporting

Incorrect information on your report

Account information incorrect

Bank of America encouraged me to open a credit card with them which they did while I was at the bank. I had recently moved so they sent a statement to the incorrect address. This meant I did not get this statement. They then marked my credit report as 30 days late which dramatically reduced my credit score. I brought this to the attention of XXXX XXXX who immediately was argumentative. She also said she would send the decision for reconsideration but I later found out she never did. She also never reported the results to me. I am now closing my long standing relationship with XXXX including emptying my safe box. I hope to never set foot in another XXXX again. This woman acted inappropriately.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

92130

Older American

Consent provided

Web

2017-12-13

Closed with explanation

Yes

2022-06-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

*in accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, 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 account without my written instructions *in accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 15 U.S.C. 1681 SECTION 602 A. states i have the right to privacy. 15 U.S.C. 1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions *in accordance with the 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 A SECTION 2 : it also states a consumer reporting agency can not furnish account without my written instructions

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33781

Consent provided

Web

2022-06-12

Closed with non-monetary relief

Yes

2021-09-08

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

Credit reporting

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

Problem with personal statement of dispute

On XX/XX/XXXX, I paid off my auto loan with XXXX in full. The loan originated on XX/XX/XXXX. I never had a late payment during the loan. Because I paid off the loan and closed the account Transunion lowered my credit score by 41 points and the rating to fair. XXXX lowered my credit score by 39 points. As a result of their actions the rates I would be charged on new loans demand a higher interest rate as well as reduce the market for companies willing to loan to me. I protested to the companies and was told I was a higher credit risk since I closed the account which lowered my credit rating. This is absurd since by paying off the account I reduced my monthly debt by {$550.00} which intern increased my liquidity by {$6600.00} annually. I feel they should have done the complete opposite and increased my credit rating due to the perfect history for the loan.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32765

Older American

Consent provided

Web

2021-10-08

Closed with explanation

Yes

2021-11-08

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

Credit reporting

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

Their investigation did not fix an error on your report

Today I called and spoke with Transunion. The representative I spoke with was XXXX work ID # XXXX. There were fraudulent inquiries placed on my report. The representative denied my right to seek remedy in removing inaccurate information from my consumer report. As a consumer who understands federal law, this is a direct infringement on my rights to truth on my credit profile. This is not right and I am seeking remedy.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

DE

19702

Consent provided

Web

2021-11-08

Closed with explanation

Yes

2021-06-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NM

87507

Consent provided

Web

2021-06-23

Closed with explanation

Yes

2018-08-01

Credit card or prepaid card

Store credit card

Fees or interest

Charged too much interest

I was able to get a manager to resolve my issue personally ( at least the most recent occurence ) ; however, I believe this is a much bigger issue. Care Credit offers interest free financing on Vet purchases over {$200.00}. I have had an unusually sick dog and have used my Care Credit card often with the interest free financing. I have always paid my balances and stand in good credit with them. I noticed on my last 2 statements a Minimum Interest Charge of {$2.00}. I called to determine what that was. I was told that 3 statements ago I had a {$56.00} charge from the Vet and even though over the past 2 statements I have paid {$1300.00} my payments were not fully applied to the interest barring charge instead the majority of the payment went to the interest free balance. That does not seem fair to the consumer. I am not sure if there are guidelines for this is the industry, but I do not believe this happens with my other cards. The other companies like Lowe 's will apply your payment to the non-deferred interest charges first and then to the deferred interest portion. I assumed as an accountant this is how all companies would process the payments therefore I always made sure I paid the full non-deferred portion of my bill plus payments to the deferred balance. Little did I realize this is not how Synchrony Bank ( Care Credit ) applied their payments. Who knows how much interest I have been charged over the years that I did not catch. This time they were charging me {$2.00} on a balance of {$1.00} they had left on that piece of the bill. They told me if I know there is a non-deferred balance I would need to call to have my payment applied to that piece. I think this is very dishonest of them and deceptive to their customers. It is just wrong. I love the card and the benefits, but the ethics behind their payment application is wrong.

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

SYNCHRONY FINANCIAL

CT

060XX

Consent provided

Web

2018-08-01

Closed with monetary relief

Yes

2022-04-12

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. it is plainly stated that a failure to investigate these items within 60 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will take legal action due to the stress you caused me. My information may have got into the hands of the wrong person.

EQUIFAX, INC.

MI

48239

Consent provided

Web

2022-04-12

Closed with explanation

Yes

2017-10-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

On XXXX XXXX 2016 at XXXX XXXX I paid off a XXXX XXXX residential collection account in full and received an email Notification from the XXXX rep that the account would be updated as paid in full or removed. However they took the full payment and did not up date the account status. I have contacted XXXX XXXX as well as all 3 credit bureaus equifax, XXXX XXXX to update my report numerous times and it still has not been updated. XXXX continues to report it as an unpaid bal. please see the attachment/ paid in full letter.

EQUIFAX, INC.

VA

223XX

Consent provided

Web

2017-10-18

Closed with explanation

Yes

2022-10-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

EQUIFAX, INC.

NV

89084

Consent provided

Web

2022-10-26

Closed with explanation

Yes

2022-08-16

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

Credit reporting

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

Their investigation did not fix an error on your report

i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... on my XXXX credit report is showing i paid this lease 8 months late, so i disputed this with XXXX saying i never paid XXXX months and sent a copy of check dealership sent XXXX... i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!! i have disputed this on this site 2 other times, when will this be behind me after all these years!!! thx

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Older American

Consent provided

Web

2022-08-16

Closed with non-monetary relief

Yes

2023-01-26

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 listed on my consumer report that I didn't authorize or have any knowledge of.

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

Experian Information Solutions Inc.

TX

77521

Consent provided

Web

2023-01-26

Closed with non-monetary relief

Yes

2018-01-09

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX agreed to delete account XXXX because it was paid in full XXXX XXXX. XXXX was contacted on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and on all three occasions I was told by representatives ( XXXX, XXXX ) that they sent a request to XXXX XXXX XXXX to delete this account XXXX. When I called XXXX XXXX on the dates of XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX I was told that XXXX never sent a request for deletion. XXXX stated they have sent MULTIPLE request to XXXX XXXX XXXX to delete this account that was paid if full but XXXX XXXX still have not deleted this account.

Company believes it acted appropriately as authorized by contract or law

ERC

GA

30327

Consent provided

Web

2018-01-09

Closed with explanation

Yes

2023-08-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38506

Consent provided

Web

2023-08-08

Closed with explanation

Yes

2020-11-18

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

The vendor XXXX XXXX XXXX is involved in litigation and the item being reported falls under litigation items with the company. I am requesting all reporting to stop and previously reported information to be removed from my credit file.

EQUIFAX, INC.

GA

312XX

Consent provided

Web

2020-11-18

Closed with explanation

Yes

2020-10-25

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX IS REPORTING MY CREDIT CARD ACCOUNT TO TEH BUREAUS AS A DUPLICATE AND HAVE NOT REMEDIED THE PROBLEM AFTER SEVERAL REQUESTS.

EQUIFAX, INC.

TX

75115

Consent provided

Web

2020-10-25

Closed with explanation

Yes

2022-10-07

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

This is a dispute and claiming a collection that was mistakenly placed on my credit report by XXXX XXXX XXXX XXXX' and " CREDENCE RESOURCE MANAGE '' in the amount of {$210.00}.

Kriya Capital, LLC

FL

33012

Consent provided

Web

2022-10-07

Closed with non-monetary relief

Yes

2022-08-05

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

Credit reporting

Incorrect information on your report

Account information incorrect

I called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. XXXX XXXX never sent me a XXXX and illegal sold a alleged debt to Jefferson Capital who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!

CL Holdings LLC

IN

46614

Consent provided

Web

2022-08-05

Closed with explanation

Yes

2023-05-20

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

Credit reporting

Incorrect information on your report

Account status incorrect

Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to loancare that was recieving the payments due to the data breach.

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

LoanCare, LLC

MD

20877

Consent provided

Web

2023-05-20

Closed with explanation

Yes

2022-10-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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

Experian Information Solutions Inc.

GA

30039

Consent provided

Web

2022-10-21

Closed with explanation

Yes

2021-11-02

Checking or savings account

Checking account

Opening an account

Unable to open an account

Hello so i went to open a account at Chase Bank on XX/XX/2001 and presentenced all required documents then was asked for my social security and told XXXX XXXX that i didn't have one and that it was not needed to open bank account so he went to confirm with manger XXXX XXXX about it and they both returned to say that they will not open bank account because my social security was not given

JPMORGAN CHASE & CO.

MA

01970

Consent provided

Web

2021-11-02

Closed with explanation

Yes

2019-12-26

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I made all my payments on-time, I never missed any payments. I called XXXX and they even confirmed I do not owe any balance. They can't tell me why they sent me to debt collections.

USCB, Inc.

CA

95835

Consent provided

Web

2020-01-02

Closed with explanation

Yes

2021-12-22

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have viewed my credit report and noticed inquiries that I did not do. I have written to each bureau numerous times and they have not removed these unauthorized inquiries.

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2021-12-22

Closed with explanation

Yes

2023-02-16

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

On XX/XX/2023 I purchased a item for {$130.00} but then I call canceled the purchased but since the purchase still remains on my store card I contacted them to have it remove they stated no I also offer send them email with the refund and they stated no

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

SYNCHRONY FINANCIAL

IL

60632

Consent provided

Web

2023-02-16

Closed with non-monetary relief

Yes

2023-08-15

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

On XX/XX/2023 I called Chase Bank XXXX department to report unauthorized transactions taking place with my checking/savings account and Chase debit card. Someone in the state of Florida ( I live in California ) was able to transfer {$5900.00} from my savings account to my checking account and then proceeded to order a new debit card, change my home address, email address and cell phone number. They later used my debit card ( not the new card ) which I had in my possession to make over $ XXXX in XXXX XXXX transactions and $ XXXX in ATM withdrawals. This person would go to different XXXX 's in the state and make a small purchase of under {$20.00} for each transaction and would request {$100.00} cash back each time they made a purchase. They did this about XXXX or more times throughout XXXX different XXXX 's in the state of Florida. They were able to use my debit card and my PIN number. On XX/XX/2023 Chase bank denied my claim reporting they found the transactions were processed according to the information I provided or was authorized. I later called the bank and was told to contact XXXX in the state of Florida myself were the transactions took place and to file a police report. On XX/XX/2023 I resubmitted a claim to reopen the denied fraud claim which was denied again on XX/XX/2023 ; reason being transactions were all authorized! They did however on XX/XX/2023 agree the ATM withdrawals were incorrect and I was refunded {$730.00}.

JPMORGAN CHASE & CO.

CA

94533

Consent provided

Web

2023-08-15

Closed with explanation

Yes

2022-03-30

Debt collection

Credit card debt

False statements or representation

Impersonated attorney, law enforcement, or government official

The credit collection for my XXXX XXXXXXXX credit card account was bought by Schreiber Law LLC- XXXX XXXX Attorney at Law who violated Federal and State Statutes trying to collect a debt by the following : They had me served a false small claims district court complaint veiled as legal legitimate court paperwork without a docket number by a XXXX XXXX XXXX XXXX XXXX XXXX when No such documents were actually filed at XXXX XXXX district court both actions are considered against the law under the unfair debt collection acts in the Maine Revised Statutes Annotated & United States Federal Code via false representation of legal action and the intimidating use of a legal court officer sheriffs deputy by being served papers to intimidate me that werent actually filed with the court and do not have a docket number listed on the forms. The deputy XXXX XXXX who served me papers first left his card on my door Friday XX/XX/2021 noting he was here to serve me civil paperwork as the reason for his visit. I then texted with him 4 times he wouldnt disclose any information over the phone which had me wondering and worrying until i got served by him on monday XX/XX/2021. I have all the false court documents and discovery paperwork with my personal information relating to the account, deputy XXXX XXXX business card with handwritten date and his phone number with text messages as proof of these deceptive and false representation debt collection practice acts and violations of the XXXX and XXXX [ ch 109-A Title 32 Chapter 109A Subchapter 2 section 3 subsection I ] stating the violation of unfair practices by using or employing any officer authorized to serve legal papers in the collection of a claim I also printed out the statutes and highlighted each section that could apply to my unfair and deceptive collection acts violation claim against Schreiber Law LLC located in XXXX, Maine.

Schreiber Law LLC

ME

040XX

Consent provided

Web

2022-03-30

Closed with explanation

Yes

2023-07-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

EQUIFAX, INC.

IL

60623

Consent provided

Web

2023-07-11

Closed with explanation

Yes

2022-11-04

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Overcharged for something you did purchase with the card

American Express Card was a corporate card under XXXX XXXX XXXX company in 2017 card was closed after items where disputed American Express tried to sue me personally and the suit was dismissed for failure to show signed by judge the order stands American Express is filing again abuse of process for the same thing with out doing an appeal refuse to send documents for the dispute using a debt collector Customer Service. XXXX overcharging of fees

AMERICAN EXPRESS COMPANY

PA

19320

Consent provided

Web

2022-11-04

Closed with explanation

Yes

2018-01-04

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

Made payments on time but reporting late payment

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85254

Consent provided

Web

2018-01-04

Closed with explanation

Yes

2022-08-11

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. National Credit Adjusters was opened as a result of identity theft. I have placed a fraud alert on my credit reports and filed an identity theft report. I sent a dispute with my identity theft report to all three bureaus. I have attached the tracking numbers to my letters and the identity theft report.

National Credit Adjusters, LLC

GA

306XX

Consent provided

Web

2022-08-11

Closed with explanation

Yes

2023-01-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX has furnished a charge off account to my consumer report to the consumer reporting agencies in which in turn have directly affected my financial reputation. This company has failed to abide by the Gramm-Leach Bliley Act of 1999 ( GLBA ). I DO NOT AND DID NOT CONSENT to the furnishing of this information. I am aware that I have the right to privacy of my non public personal information in accordance with 15 USC 6802 and I am exercising that right and demanding that the furnishing of this information be removed from my consumer report and not be reported by XXXX XXXX to neither CRAS ( XXXX, Equifax, XXXX ). XXXX XXXX did not disclose to me my right to opt out of disclosure of my non public information. I was not given the opportunity to opt out out of the disclosure of my non public personal information and I was not given any directions on how to exercise my right to opt out of said disclosure in accordance with 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. XXXX XXXX is in violation of 15 USC 6802 ( b ) ( a ) ( A ) ( B ) ( C ) for failure to comply with these requirements. I ask of this company This notice is a CEASE AND DESIST of all illegal activities, including reporting which constitutes collection activities. Im this complaint I am exercising my right to prevent the processing of my personal data by XXXX XXXX for the account opened XXXX XXXX.

EQUIFAX, INC.

LA

704XX

Consent provided

Web

2023-01-01

Closed with explanation

Yes

2021-05-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

i noticed that i was a victim of identity theft and information was used to gain medical services and personal financial gain

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28278

Consent provided

Web

2021-05-26

Closed with explanation

Yes

2023-07-07

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

CBE GROUP is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$80.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

The CBE Group, Inc.

CA

91709

Consent provided

Web

2023-07-07

Closed with non-monetary relief

Yes

2019-04-03

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX XXXX has attempted to collect a debt that is NOT mine. I have stated this to the company before in XXXX and XXXX. I received a " limited time offer to reduce debt '' from the company in XX/XX/XXXX. I called the number on the letter and let them know that the " XXXX XXXX XXXX XXXX XXXX '' in the amount of {$530.00}, was NOT my account and that I have never had a XXXX XXXX. I then received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX to collect this same debt that I have never owned, on XX/XX/XXXX. I called this company and let them know that I have never owned this debt or a card from XXXX XXXX. The CSR proceeded to tell me, " Well it's your debt, they used your personal information and social in XXXX to open a card. '' I asked her what address they have of this so-called original debt, and she said " XXXX XXXX XXXX '', which I realized that this is either fake debt or someone else 's debt or that someone used my identity because I didn't live at my current address until XXXX, AND I never owned this account or credit card at all, and I keep all old credit cards, even those credit accounts that I have previously closed just because I am afraid of someone getting my personal identifying information from old accounts, etc.

CL Holdings LLC

OH

43068

Consent provided

Web

2019-04-03

Closed with non-monetary relief

Yes

2022-03-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30052

Consent provided

Web

2022-03-28

Closed with non-monetary relief

Yes

2021-04-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

THE DISPUTED ITEMS ARE ATTACHED, PLEASE INVESTIGATE EACH MATTER AND DELETE OFF MY CREDIT FILE.

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

Experian Information Solutions Inc.

NY

10461

Consent provided

Web

2021-04-23

Closed with explanation

Yes

2022-08-04

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found some items that are not mine. The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. According to FCRA section 605b, the credit bureaus must block or delete any items mentioned in an identity theft report. To aid with the blocking of the fraudulent items that were discovered on my report, I have included some documents. CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

CA

94952

Consent provided

Web

2022-08-04

Closed with explanation

Yes

2022-05-04

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

I USED TO HAVE XXXX BANK OF AMERICA ACCOUNTS, SAVINGS AND CHECKING, AT BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX FOUND MY BALANCES IN CHECKING ACCOUNT GOING DOWN, WHEN I CALLED CUSTOMER SERVICE.SO I WENT TO THE BRANCH.THE CLERK PRINTED OUT THE STATEMENT.IT SHOWED UNAUTHORIZED CHARGES DEBITS TO MY CHECKING ASCCOUNT BY XXXX NEVER HAD XXXX ACCOUNT WITH XXXX NEVER PURCHASED ONLINE, XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX XXXX XXXX XXXX XXXX {$14.00} ; XX/XX/XXXX PURCHASE XXXX XXXX {$14.00} XXXX $ XXXX FILED COMPLAINT WITH FRAUD DEPT.TO INVESTIGATE HOW SOME ONE IN XXXX GOT HOLD OF MY CHECKING ACCOUNT NUMBER AT BANK OF AMERICA.THEY DID NOTHING.THE BANK OF AMERICA SHOULD BE PENALIZED AND MADE TO COMPENSATE ME FOR THIS INCONVENIENCE.OBVIOUSLY, A CRIME HAS BEEN COMMITTED.PERHAPS AN EMPLOYEE IN BANK OF AMERICA PASSED ON MY ACCOUNT NUMBER TO SOME ONXXXX AT XXXXOR SOME ONE AT XXXX MANAGED TO HACK INTO THE BANK OF AMERICA COMPUTER SYSTEM XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

77571

Older American

Consent provided

Web

2022-05-19

Closed with explanation

Yes

2021-07-26

Debt collection

Medical debt

Took or threatened to take negative or legal action

Collected or attempted to collect exempt funds

I received a letter dated XXXX XX/XX/2021 that a medical bill was sent to collections. They have called repeatedly but it's automated. I've just made a small payment every time they send out a statement for payment. I pay what I can because I don't have the full amount. Even though I've sent in what I can afford to pay they've sent it to collections anyway. I've tried returning the call only to be on hold 25 minutes or longer. It gives you the option of receiving a call back when someone is available. The problem is " a person '' never calls back. It's always the automated system looking to collect. So today ( XXXX XX/XX/2021 XXXXEST ) I called the collection agency because the letter says to call if you dispute within 30 days. That went nowhere. So I'm doing this as a next step. Balance {$450.00}

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

Nationwide Credit Corporation

VA

230XX

Consent provided

Web

2021-07-26

Closed with explanation

Yes

2022-08-10

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 have 3 inquiries that are not mine. I called to dispute these and met a ton of rsistance no cooperation. I sent three certified letters. One for each inquiry ( certified mail ). These requests have gone ignored which is very consistent with Experian 's culture. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022

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

Experian Information Solutions Inc.

NJ

XXXXX

Consent provided

Web

2022-08-10

Closed with non-monetary relief

Yes

2019-05-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

im an identity theft victim. accounts that are not mine XXXX XXXX XXXX XXXX XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine vXXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine all these accounts are due to fraud

EQUIFAX, INC.

FL

33647

Consent provided

Web

2019-05-01

Closed with non-monetary relief

Yes

2023-02-21

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for XXXX reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20748

Consent provided

Web

2023-02-21

Closed with non-monetary relief

Yes

2023-03-18

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

Credence Resource management popped up on my XXXX report showing an amount of {$190.00} owed on XX/XX/. I disputed it because I had never heard of this before. No calls, letters, anything of that nature. XXXX ruled in my favor XX/XX/, removing it from my report. I mailed a letter requesting verification of the debt. On XX/XX/, Credence Resource Management showed up on my XXXX report for the same amount. I disputed it. While waiting a month for a resolution, I have not heard back from them regarding my request. The dispute was resolved XX/XX/XXXX in favor of CRM. I have emailed to try to get more information about this debt. I have only received an email that was password protected. The password is invalid. I do not even know the account number to even try to begin to resolve this debt and my requests keep going unanswered.

Kriya Capital, LLC

OH

453XX

Consent provided

Web

2023-04-13

Closed with non-monetary relief

Yes

2023-03-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX Balance : {$260.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

MD

20745

Consent provided

Web

2023-03-23

Closed with explanation

Yes

2021-10-18

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau are reporting inaccurate information on LVNV FUNDING ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Resurgent Capital Services L.P.

AL

354XX

Consent provided

Web

2021-10-21

Closed with explanation

Yes

2022-02-11

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

Credit reporting

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

Was not notified of investigation status or results

Per the Fdcpa law section 809 validation of debt, I have no knowledge of the is debt or account, I contacted the creditor and CFPB for the Creditor to provide proof. Under the law, the creditor has 30 days to validate or it has to be removed. I have heard nothing in 60 days of proof. I'm asking this account be removed from my credit report or I will be forced to contact the attorney general office of this illegal account and pursue this legally.

CAPITAL ONE FINANCIAL CORPORATION

NY

14211

Consent provided

Web

2022-02-11

Closed with explanation

Yes

2021-01-10

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

Chime Bank has had five separate incidents of customers not being able to use their own cards- neither their debit cards, nor their credit cards, within the past twelve months. Most recently, I reached out to Chime because my debit card had been declined with more than enough funds. First, they tried to deny the issue. When I continued to send evidence via screenshots, they told me there was an issue with the merchant. When I pressed and said the issue had replicated with *multiple* merchants, they told me that both of my cards, credit and debit, were defective. I asked about the credit card because Chime, as a bank, had a deal with their clients that if more than 100 purchases were made using their Credit card, a metal card would be issued. However, they made it very clear that the metal card was single issue and would not be replaced under any circumstance. I inquired about this, as it took months for me to make it to the 100 purchases, and following my inquiry, Chime has cut off all communication. I have sent three emails in the past three days. I have been unable to use my credit or debit cards at all, and ALL of my money is in my accounts ( my direct deposit goes here ). I was unable to purchase the money order for my rent ; I have been unable to purchase groceries ; their phone line just states they have too high a call volume to answer, try looking online for answers. Their online bot is off ( has been for at least the past two weeks, 100 % of the time ), and the multiple emails to customer service have gone unanswered. I need help. I have more than {$1000.00} stuck in those bank accounts frozen, and that's all I have. This has been an incredibly frustrating issue, and it is the fifth time in the past twelve months that all funds for some or all Chime members have been frozen/inaccessible with little to no accountability for the financial institution. Once I get my money, I will be closing my accounts and choosing a new financial institution.

Chime Financial Inc

DC

20018

Consent provided

Web

2021-01-10

Closed with explanation

Yes

2017-09-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Equifax fails shows a unpaid account on crdit file for XXXX $ there is NO NAME NO ACCOUNT NUMBER date from XXXX! and then re-issue don XXXX/XXXX/XXXX I have asked for an investigation proving it belongs to me with no success the Equifax site will NOT allow me to dispute, the sire creashes when entering the information, I have called the EQ help line and put on hold for 20 minutes and then disconnected after being switched 3 times! I want proof its mine or I will have to consider this fraud and stolen identity unless its removed from credit file!

EQUIFAX, INC.

NJ

XXXXX

Consent provided

Web

2017-09-18

Closed with explanation

Yes

2022-02-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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

Experian Information Solutions Inc.

VA

238XX

Consent provided

Web

2022-02-07

Closed with non-monetary relief

Yes

2020-05-13

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

Not my item

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11735

Consent provided

Web

2020-05-13

Closed with explanation

Yes

2023-01-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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.

EQUIFAX, INC.

FL

32401

Consent provided

Web

2023-01-19

Closed with explanation

Yes

2020-04-27

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

United Revenue Corp collection is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time. I paid XXXX XXXX XXXX off many years ago. I contacted United Revenue Corp and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XX/XX/2016 and that it was last active XX/XX/2016. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre, and FDCPA Section 806. The account was for XXXX XXXX XXXX.

Company disputes the facts presented in the complaint

United Revenue Corporation

CA

92805

Consent provided

Web

2020-04-27

Closed with explanation

Yes

2017-04-03

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.

United Collection Bureau, Inc.

OH

45013

Consent provided

Web

2017-04-03

Closed with explanation

Yes

No

2020-04-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

THIS ACCOUNT WAS APPLIED FOR WITHOUT ME KNOWING

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38134

Consent provided

Web

2020-04-10

Closed with explanation

Yes

2022-12-15

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

Credit reporting

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

Their investigation did not fix an error on your report

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NY

10950

Consent provided

Web

2022-12-15

Closed with explanation

Yes

2018-11-30

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

XXXX personal loans is reporting that I am more than 30 days late on 3 payments which isn't true I have bank statements and XXXX statements showing I've paid them. I contacted the credit agencies as well as XXXX and they reassured me the problem would be resolved but it's not and it's ruining my credit.

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

Experian Information Solutions Inc.

CA

94303

Consent provided

Web

2018-11-30

Closed with non-monetary relief

Yes

2018-11-06

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

In XX/XX/XXXX I filed a Chapter XXXX Bankruptcy XXXX has since then violated my Bankruptcy plan on my loan that was reaffirmed by the debtor with reaffirmations signed by the creditor and debtor and was part of my confirmed plan. XXXX has since the reaffirmation signing in XX/XX/XXXX placed forced placed insurance on the property creating a bill for the debtor in XX/XX/XXXX while the debtor was under a federal stay not disclosing this action to the debtor or petitioning the court to allow this bill in the debtors plan this as a violation of 524 injunction. After the case was closed in XX/XX/XXXX XXXX paid off the debtors tax contract on this property which was part of the debtors confirmed plan and then added that debt to a escrow payment created for the already illegal insurance this was also a XXXX injunction. XXXX continued violating the plan by sending the debtor monthly bill statements with the discharged debt listed on the statements as still owed and in two payoff quotes. Seterus in the foreclosure case on my home listed the discharged debt as deferred debt owed in the case. XXXX has responded as follows : XXXX 2Day Delivery XX/XX/XXXX Loan numbers : XXXX, XXXX and XXXX Serviced by XXXX XXXX XXXX . Dear Mr. XXXX : On behalf of XXXX XXXX XXXX, I am responding to your correspondence submitted to the Consumer Financial Protection Bureau regarding the above-referenced loans. Please be advised that we have referred this matter to outside counsel. As such, we have provided a copy of your correspondence to the Consumer Financial Protection Bureau to our counsel, Manley Deas & Kochalski LLC for a response. Should you have questions or concerns you may contact Manley Deas & Kochalski LLC directly at XXXX. Sincerely, XXXX XXXX Consumer and Government Affairs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not gotten a response from Deas & Kochalski

Company believes it acted appropriately as authorized by contract or law

Manley Deas & Kochalski LLC

OH

XXXXX

Consent provided

Web

2018-11-06

Closed with explanation

Yes

2022-08-01

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

I continue to get calls from Portfolio Recovery Assoc. and from a variety of phone numbers from different states. I recently moved from XXXX to XXXX to live with my family. The XXXX law says an out-of-state collection agency must maintain a physical presence in their state in order to collect debt. This business does not physically have a business in XXXX. XXXX Debt Collection Laws ( B ) A collection agency with a place of business in this state may take an assignment of another persons accounts, bills, or other evidence of indebtedness in its own name for the purpose of billing, collecting, or filing suit in its own name as the real party in interest. I believe this company can not collect a debt in XXXX that was created in XXXX XXXX.

PORTFOLIO RECOVERY ASSOCIATES INC

OH

447XX

Consent provided

Web

2022-08-15

Closed with explanation

Yes

2020-02-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My car is braking down and I decided to try in trade my car in. When I got to the dealer I was told that the first step was to see if I qualified to trade in. My credit was pulled and determined that there was quite a list of unknown items. I have never heard of these things on my report. Please remove these items from my report. XXXX XXXX XXXX XXXX {$2200.00} COLLECTIONS XXXX {$780.00} XXXX XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX ARKANSAS XXXX {$170.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AR

72113

Consent provided

Web

2020-02-10

Closed with explanation

Yes

2022-03-04

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 : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXXXXXX XXXX XXXXXXXX

EQUIFAX, INC.

VA

23503

Servicemember

Consent provided

Web

2022-03-04

Closed with explanation

Yes

2023-01-25

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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX # XXXX, has violated my rights XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

OH

43213

Consent provided

Web

2023-01-25

Closed with explanation

Yes

2023-04-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Consider this complaint as my follow-up complaint for my previous complaint which contains these disputed items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want you to remove all of the listed items for I believe they are fraudulent

EQUIFAX, INC.

CA

93705

Consent provided

Web

2023-04-17

Closed with explanation

Yes

2021-03-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

None of these fraudulent accounts are related to any of my legit transactions. Recently I was checking my credit and I found these accounts that don't belong to me. These accounts are the result of identity theft. I don't know who the perpetrator is and I need these fraud accounts removed as soon as possible. My personal information was a part of the XXXX Data Breach in XXXX and I assume that is when my identity was stolen. These are the fraudulent accounts : JPMCB CARD that opened last XX/XX/XXXX, XXXX XXXX that opened last XX/XX/XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX that opened last XX/XX/XXXX.

JPMORGAN CHASE & CO.

FL

33073

Consent provided

Web

2021-03-14

Closed with non-monetary relief

Yes

2019-10-24

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with additional products or services purchased with the loan

I purchased a vehicle on XX/XX/XXXX from XXXX XXXX XXXX XXXX in XXXX XXXX CA. On XX/XX/XXXX I emailed the dealership requesting cancellation of 3 service contracts that they added on. On XX/XX/XXXX I visited the dealership in person to cancel the 3 additional contract that they added onto my purchase. ( On one contract it said I had 30 days to cancel and get a full refund. After which I can cancel and get a prorated refund minus {$35.00} service fee. ) On the other 2 contracts I have 60 days to cancel and get a full refund. The dealership made me wait 2 hours and then agreed to cancel 1 of the contracts but not the other 2. The contract they let me cancel was with a company named Ally. I signed the paperwork to cancel the one contract that they said I could cancel. As of XX/XX/XXXX I didn't see that anything had changed, So I emailed the dealership as well as the administrators of the contract -Ally and XXXX to cancel all 3 contracts. Today XX/XX/XXXX. I contacted Ally and the contract was still in force. It appears the dealership did nothing with the paperwork I signed. Ally went ahead and cancelled the service contract with me over the phone. I then contacted XXXX the administrator of the other 2 contracts. XXXX says that I can not cancel with them because they have never received the initial contracts from the dealer. So my dilemma is the dealer won't let me cancel the contracts that say on them that I can and the administrator company can't cancel them because the dealership is dragging there feet sending them in. Meanwhile I only have a few days left to receive a full refund on one contract and my refund continues to dwindle away on the other. The dealership has told me several times that I can not cancel the contracts because they were part of the deal. I had to buy them since they supposedly gave me a good deal. The paperwork says otherwise. That I can cancel, which is what I have been trying to do. To further complicate things, the dealership switched the finance company on me. So I need to be careful that when I do get the refunds, they go to the correct finance company. Not the company on the paperwork.

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

ALLY FINANCIAL INC.

CA

92404

Consent provided

Web

2019-10-24

Closed with explanation

Yes

2023-03-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am a natural person, I am a living human being, I have Rights under 15USC 1681. Equifax is govern by 15 USC 1681 and they violated my rights numerous of times .I DEMAND THE ACCOUNTS listed below be removed because According to 15 USC 1681 : I have the right to privacy and I DIDNOT GIVE Equifax written permission to furnish these accounts. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NJ

07018

Consent provided

Web

2023-03-17

Closed with explanation

Yes

2023-05-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

15 USC 1681 SECTION 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my written consent! 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

Experian Information Solutions Inc.

NC

28405

Consent provided

Web

2023-05-05

Closed with explanation

Yes

2020-03-23

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2020 at XXXX XXXX I sent written communication to LVNV Funding LLC dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account numbers XXXX, and XXXX. The request was made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. On XX/XX/2020 I received written communication from LVNV Funding LLC dated XX/XX/2020 that did NOT meet the requirements of FCRA 623/FACTA 312. Instead, LVNV Funding LLC sent printed copies of credit card statements addressed to addresses that are not of my own. I made a request for them substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing LVNV Funding LLC communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires LVNV Funding LLC to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. LVNV Funding LLC provided none of the above. LVNV Funding LLC continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. LVNV Funding LLC has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. The above illegalities were committed via USPS mail.

Resurgent Capital Services L.P.

CA

92571

Consent provided

Web

2020-03-23

Closed with explanation

Yes

2020-04-02

Checking or savings account

Savings account

Managing an account

Deposits and withdrawals

I tried to transfer money via ACH from my savings account at Alliant Credit Union. Even though I had already confirmed the transfer account last year, and done multiple transfers before, they flagged the transaction as a security risk. I called them and answered all of their questions, but they have still not released the hold on my account. In the middle of this Corona Virus pandemic, they are holding my money hostage. I need access to my money!

ALLIANT CREDIT UNION

IN

46123

Consent provided

Web

2020-04-02

Closed with explanation

Yes

2022-06-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

These INQUIRIES below have caused significant damages In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under XXXX5 USC 1692C 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THEM IMMIDIATELY

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07747

Consent provided

Web

2022-06-23

Closed with non-monetary relief

Yes

2020-07-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

report wrong address XXXX XXXX XXXX XXXX tx XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

759XX

Consent provided

Web

2020-07-23

Closed with explanation

Yes

2022-04-30

Vehicle loan or lease

Loan

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

I volunteered to send the vehicle back to capital, i was never served or notified from capital one that they were selling the vehicle. i asked on several occasions for proof notice for a year and i still have not gotten a reply. i also sent certified letters.

CAPITAL ONE FINANCIAL CORPORATION

IL

604XX

Consent provided

Web

2022-04-30

Closed with explanation

Yes

2022-04-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

EQUIFAX, INC.

NY

125XX

Consent provided

Web

2022-04-12

Closed with explanation

Yes

2022-08-03

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

Credit reporting

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

Their investigation did not fix an error on your report

Victim of Several Data Breaches. Victim of Identity Theft. I have submitted info to TransUnion, XXXX, and XXXX since XXXX of every major/ minor violation on my credit report. I do not have negative information on my credit report. I have never applied for any mortgage. All of my accounts are in good standing with payment history of XXXX XXXX. Remove all negative / closed accounts from reporting.Remove all Inquiries relating to any account not in good standing. Any account closed is simply because the Creditor refuses to correct the account as requested by affidavit sent certified mail.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95822

Servicemember

Consent provided

Web

2022-08-03

Closed with non-monetary relief

Yes

2019-02-25

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

Credit reporting

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

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

On XX/XX/2018 an inquiry was pulled on my TranUnion Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. I have spoken to Trans Union on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. So, I sent TransUnion a copy of the letter sent to me from XXXX, stating it should be removed. Upon, giving TransUnion ample time to correct the error, I called TransUnion again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, TransUnion refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. I have requested XXXX to rewrite the letter to no avail. This is a violation of FDCA, TransUnion knows to the date of the inquiry on their records and can clearly see the information matches in Chases letter. I should not have to jump through hoops to get TransUnion to to do their job and TransUnion should keep better records of information provided to them multiple times by XXXX. I have had other issues with TransUnion using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. TransUnion refused to reinvestigate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

XXXXX

Consent provided

Web

2019-02-25

Closed with explanation

Yes

2022-06-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, 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 In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act 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 In accordance with the Fair Credit Reporting act INQUIRY XXXX XXXX XXXX XX/XX/2021 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 In accordance with the Fair Credit Reporting act INQUIRY XXXX XXXX DATED XX/XX/2021 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 In accordance with the Fair Credit Reporting act INQUIRY XXXX XXXX XXXX DATED XX/XX/2021 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 In accordance with the Fair Credit Reporting act INQUIRY XXXX XXXX DATED XX/XX/2021 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 In accordance with the Fair Credit Reporting act INQUIRY XXXX XXXX DATED XX/XX/2021 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 In accordance with the Fair Credit Reporting act INQUIRY XXXX XXXX DATED XX/XX/2021 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

EQUIFAX, INC.

FL

329XX

Consent provided

Web

2022-06-13

Closed with explanation

Yes

2016-07-19

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt was paid

In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.

Company believes it acted appropriately as authorized by contract or law

Medical Society Business Services, Inc.

AZ

85208

Servicemember

Consent provided

Web

2016-07-19

Closed with explanation

Yes

No

2019-04-08

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

Barclay XXXX XXXX is a time share credit card that XXXX XXXX had me apply for so they could get there down payment from the presentation. After coming back from my vacation I found out XXXX XXXX misrepresented the program. I called credit card to dispute the charge. They said they cant because I have nothing it writing and they can't help with the verbal statements. Even though everything XXXX XXXX said was a lie they wont continue with the dispute.

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

BARCLAYS BANK DELAWARE

WI

530XX

Consent provided

Web

2019-04-08

Closed with explanation

Yes

2019-07-25

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

In XX/XX/XXXX, I called Kohl 's Credit Card Co. because I didn't receive my bill. I told them I had been ill and was not able to call sooner. I was told they would waive the late fee. The following month I received my statement with the late fee charge, I called and explained waive of late fee in XX/XX/XXXX, but was told I was required to pay it in order to be removed. I explained I had a tight budget because of medical bills and was told i had I believe 10 days to pay it or it would be added again. I paid that fee in a few days to avoid that additional charge. In XX/XX/XXXX, I received my statement and there was a late fee again. I called and once again I was told I had to pay it, to not get another one. I explained I had paid XX/XX/XXXX 's before time allowed but it came upon deaf ears. I called XXXX explaining problem and was told to file a complaint. I did and it was forwarded to the XXXX in the area of the credit card company. I received an email 30 days later from a Kohl 's representative who didn't even address the issue, or even seemed to care about their errors and instead told me I did have to pay. I was allowed to accept or reject this response. I rejected and soon after submitting it, I received an email from XXXX saying the case was considered closed.

CAPITAL ONE FINANCIAL CORPORATION

TX

XXXXX

Consent provided

Web

2019-09-20

Closed with explanation

Yes

2021-12-16

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

Credit reporting

Incorrect information on your report

Account information incorrect

I recently reviewed a copy of my Equifax credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX Bank XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX ; XX/XX/XXXX. Equifax is in clear violation of the law ; 15 USC 1681b- Permissible purpose of consumer reports. I did not give Equifax written permission to furnish this account on my credit report. Equifax is also in violation of 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Late payments must be excluded from a credit report. Before this account was furnished to my consumer report, an investigation should have been done which wouldve shown that these late payments should have never been reflected to my consumer report, which is identity theft. Equifax has received all documents and supporting evidence of this dispute through the mail on XX/XX/XXXX.

EQUIFAX, INC.

GA

30319

Consent provided

Web

2021-12-16

Closed with explanation

Yes

2023-03-04

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2023, I filed a complaint with you and the Office of Comptroller gave my Appeal and evidence but Experian still reporting negative results after giving them evidence to show I was never late with my XXXX payment because my payment are due on the XXXX of every month I paid Lending Club XXXX dollars plus XXXX and made the mistake of sending them a check through XXXX bank in the amount of XXXX they were supposed to refund my money back to me but still have not done it yet. I have given everybody evidence to show my truth and I feel my XXXX rights are being violated by not taking my evidence seriously and causing harm to my credit report. Please investigate this matter.

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

Experian Information Solutions Inc.

FL

33409

Consent provided

Web

2023-03-04

Closed with explanation

Yes

2021-04-30

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

Card company isn't resolving a dispute about a purchase or transfer

XXXX XXXX XXXX am getting XXXX payments through Bank of America XXXX card which I do not like using make of XXXX because always have issue I did not want to use this card because it does not have any safe cards no chips and I am forced to use this card because there's no other way I can get my funds. I had a couple fraudulent transactions on my card I went through all proper channels filed complaints and and then my account got frozen for over XXXX and a half months that was a headache I reported the complaint they sent me a new card and they said that they could not investigate the complaints because my account was frozen but then I got a letter saying that the my complaint was closed because didn't find any evidence of wrongdoing. But why would I get the letter if they're saying that they can not investigate my account because it was frozen. Every time I call they keep telling me XXXX thing after another and they record my calls so there's proof that what I say is going on. XX/XX/XXXX I have XXXX different complaints on XXXX different cards. Claim number XXXX And claim number XXXX. Account ending XXXX XX/XX/XXXX. And also reopen the claim XXXX XXXX .. been such a headache. How can cash be taken out of atm at XXXX location and unless I have a ufo XXXX XXXX to transport me to a different atm that was used in a different town. Minutes apart.. also everytime I spoke to a agent they tell me certain things and tell me a temporary credit will be deposited in my account in XXXX days. They record the calls so one can pull up my call and interaction with them and it will prove I m getting mislead. Listed on their site that my money and my account are protected and XXXX fraud liability.. False advertisement. I also contacted the local news channel to help me out. I can't get the medicine I need cuz my missing money and I'm on XXXX and I have a XXXX XXXX and major XXXX issues. I'm not able to get food or basic thing I need for daily living. Bank of america XXXX XXXX cards with no protection. Easy to copy and they need to back up and do what they advertise about XXXX fraud.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

93003

Consent provided

Web

2021-04-30

Closed with explanation

Yes

2023-05-06

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I want my deposit returned! This was a secured card added to my bankruptcy

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

CITIBANK, N.A.

MD

XXXXX

Consent provided

Web

2023-05-06

Closed with explanation

Yes

2022-07-08

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

Credit reporting

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

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

I found inaccurate and incorrect data on my credit report and this wrong information should not be 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.

NC

28052

Consent provided

Web

2022-07-08

Closed with non-monetary relief

Yes

2018-01-20

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

Received an update credit report, no changes nor response to why.

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

Experian Information Solutions Inc.

GA

30013

Servicemember

Consent provided

Web

2018-01-20

Closed with explanation

Yes

2017-03-24

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt is not mine

This company was removed from my credit report and now there is a new Collection of debt .. This is an old debt from Citibank from XXXX and I believe I stop paying into XXXX. I was paying Citibank but they would not help me with a new plan that I could afford. I was receiving a operations and with this XXXX was unable to pay my bills. I negotiated with all my creditors. Citibank decided to sell my loan to this company a few years ago.I believe the debt is past its limitations. I had not heard from them the last few years and two weeks ago a new that Collector has contacted me. I told her this was an old debt and Citibank should not have sold this to them. I did my research and Citibank was being held responsible for selling loans they should n't sold. I was more than willing to work with Citibank and I have letters to prove my struggle with Citibank. I have always had a high credit score before needing a operations. I even was able to work with XXXX XXXX XXXX XXXX which I understand is XXXX of the hardest companies to negotiate. I do not feel responsible to pay this debt. It says that the debt was removed but it shows up on my account again as in Collection as a new collection. XXXX Account Removed From Report Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, your account with XXXX was removed from your credit report.

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

CITIBANK, N.A.

CA

920XX

Older American

Consent provided

Web

2017-03-24

Closed with explanation

Yes

No

2020-06-16

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

Credit reporting

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

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

i have stated that these account are not my account but they are still listed 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.

MS

386XX

Consent provided

Web

2020-06-16

Closed with explanation

Yes

2021-03-30

Credit card or prepaid card

Store credit card

Fees or interest

Unexpected increase in interest rate

I haven't had access to my online account in over a year. They intentionally block users from seeing their balance. I had zero interest and then suddenly they added the interest because the account was not paid in full. The issue is had I been able to see my account I would've been able to increase my payments to close the account before the interest hit the account. Every time I need to make a payment I have to call them and I cant see my balance to know if they are applying it to my account and I dont know if the balance is decreasing. I have called and spoken to the payment department and they insist that the account can not be viewed because they updated the system. They have been saying that a year now. Im paying them blindly.

TD BANK US HOLDING COMPANY

NY

XXXXX

Consent provided

Web

2021-03-30

Closed with explanation

Yes