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customers-complaints-train

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2021-10-08

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

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company believes it acted appropriately as authorized by contract or law

Veros Credit, LLC

CA

95838

Consent provided

Web

2021-10-08

Closed with explanation

Yes

2020-12-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. XXXX XXXX XX/XX/2020

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

Fidelity National Information Services, Inc. (FNIS)

TX

78746

Consent provided

Web

2020-12-14

Closed with explanation

Yes

2023-06-16

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

Credit reporting

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

Their investigation did not fix an error on your report

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

FL

33142

Consent provided

Web

2023-06-16

Closed with non-monetary relief

Yes

2023-03-13

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

Fraudulent inquiries have been reported on my credit report. And I need them all to be removed because they are not true nor 100 % accurate.

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

Experian Information Solutions Inc.

MA

02151

Consent provided

Web

2023-03-13

Closed with non-monetary relief

Yes

2019-08-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX 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.

FL

33407

Consent provided

Web

2019-08-20

Closed with non-monetary relief

Yes

2021-12-21

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

Credit reporting

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

Investigation took more than 30 days

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INQUIRIES from my credit report immediately. They are a result of ID theft. Beside these items, I also want to delete incorrect names and addresses also. I never used these names and never lived in these addresses. Please remove these items which are not authorized by me as soon as possible.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92883

Consent provided

Web

2021-12-22

Closed with non-monetary relief

Yes

2022-04-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$1000.00} EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX : XXXX, XXXX, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}

EQUIFAX, INC.

TN

37122

Consent provided

Web

2022-04-11

Closed with explanation

Yes

2018-04-16

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

Collection agency refuses to honor written agreement they accepted when they accepted payment

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

ProCollect, Inc.

TX

75070

Consent provided

Web

2018-04-16

Closed with explanation

Yes

2022-07-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX has appeared on both my Transunion and XXXX credit report as an open account within the last few days. This same company appeared on my XXXX credit report in XXXX and it was disputed then as a fraudulent account. Now, the same company has shown up on my other XXXX credit reports. This account is not mine. When attempting to call the company directly, no one answers the phone nor does anyone call back when you leave a message. When trying to talk to someone through the website, there is no option to support help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

29414

Consent provided

Web

2022-07-29

Closed with non-monetary relief

Yes

2023-08-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

I purchased a vehicle from XXXX XXXX XXXX in XX/XX/2022. They used XXXX bank for financing. I returned the car the following day and my deposit was refunded via check on XX/XX/. That car loan of XXXX is still showing on my credit reports as open loan thats financed by XXXX bank which is effecting my income to debt ratio. I have disputed this with all 3 credit bureaus. I have reached XXXX XXXX and the dealership for past 7 months but this debt is not being removed from my credit file. Its showing as an open loan. Why is Experian XXXX removing this from my file? I have messaged them multiple times with documentation.

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

Experian Information Solutions Inc.

FL

34741

Consent provided

Web

2023-08-10

Closed with explanation

Yes

2021-02-08

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

Capital One 360 Bank have misinformed me about the availability of my funds. I have not had access to my funds since Friday XX/XX/2021. I deposited my check of {$5000.00} before XXXX on a XXXX XXXX. It is XX/XX/2021 and the bank has yet to release a Partial Release of {$250.00}. I have had no funds for 4 days during a Pandemic and Massive XXXX XXXX that hit New York. On Sunday XX/XX/2021, I contacted Capital One 360 about the availability of those funds to no avail. I went ahead and deposited another {$2500.00} and the bank message stated the funds will be available on XX/XX/XXXX. In addition, two representatives confirmed partial releases would occur on Monday XX/XX/2021. I'm distraught that Capital One 360 has held my money hostage for all these days. In the past I have made similar deposits of the same amount or more and had no issue getting partial releases etc. Capital One 360 is not adhering to federal rules and regulations and their shoot from the hip style policies is detrimental. Please investigate and I would like to be added damages of {$100.00} per day without the access of funds.

CAPITAL ONE FINANCIAL CORPORATION

NY

10034

Consent provided

Web

2021-02-08

Closed with explanation

Yes

2017-08-23

Vehicle loan or lease

Loan

Struggling to pay your loan

Lender trying to repossess or disable the vehicle

I have a vehicle loan from Capital One Auto Finance that has fallen behind because I have not had a job since XX/XX/XXXX. I tried to get an extension earlier during the summer but they denied it and has since put the vehicle out for repossession with XXXX XXXX XXXX. On XX/XX/XXXX at XXXX XXXX I received a text message from my ex girlfriend, mind you we have been split up for almost a year, that an agent from XXXX XXXX XXXX came by her house and disclosed that my vehicle is out for repo. Now it is my understanding that a repo agent or debt collector is not allowed to disclose that there is a debt owed to a third party unless they are authorized by the debtor. I then received a call on XX/XX/XXXX at XXXX XXXX from an agent for the same company saying that " This is XXXX and that I am a civil process server in XXXX County and that I have some papers I need to deliver to you. '' This is also a direct violation of FDCPA rules because a debt collector or anyone that is employed to represent the debt collector is not allowed to deceitfully identify himself as someone representing any type of court , county, state, or federal employee in order to scare information out of the debtor. I have the voicemail as well as the text messages from my ex girlfriend verifying this information. I have no called the finance company or the repossession company back because I do not want to be verbally assaulted. If the repo company is willing to disclose debts with third parties and to pre text to deceitfully get information then I do n't know what else they are willing to do.

CAPITAL ONE FINANCIAL CORPORATION

TX

750XX

Consent provided

Web

2017-08-23

Closed with explanation

Yes

2020-06-01

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

Credit reporting

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

Was not notified of investigation status or results

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, XXXX, XXXX XXXX Company Inquiries : 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.

GA

30345

Consent provided

Web

2020-06-01

Closed with explanation

Yes

2018-03-05

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates

CAPITAL ONE FINANCIAL CORPORATION

NC

27253

Consent provided

Web

2018-03-05

Closed with explanation

Yes

2023-06-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XX/XX/23 My credit report shows collections from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately from my credit report or I will seek litigation for Monetary damages. XXXX XXXX

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

Experian Information Solutions Inc.

GA

30263

Consent provided

Web

2023-06-07

Closed with explanation

Yes

2021-03-08

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt is not yours

I am contacting you to dispute a collection account recently placed on my credit report by National Credit Adjusters in the amount of {$1800.00}. This account should not have been placed on my report by National Credit Adjusters because a settlement agreement was reached with NCA, and they agreed that they would cease and desist with all further collection activities. They have violated this settlement agreement by attempting to collect this debt and I would like this account to be removed from my credit report. Also, this collection account just " appeared '' on my credit reports without any notification from NCA or XXXX XXXX, and I was given no opportunity to dispute this account prior to it being put on my credit reports. Also, this debt was reported to each credit bureau by NCA 3 different times in a 5-week period. I have included the settlement document with this correspondence.

National Credit Adjusters, LLC

GA

30043

Consent provided

Web

2021-03-08

Closed with explanation

Yes

2021-09-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the lists of inquiries that are still reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/2021 XXXX-Date of Inquiry XX/XX/2021

EQUIFAX, INC.

PA

19143

Consent provided

Web

2021-09-13

Closed with explanation

Yes

2023-02-28

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30341

Consent provided

Web

2023-02-28

Closed with non-monetary relief

Yes

2017-04-14

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

I try to make sure that student loan account is current whether employed or not. I was not employed at one point encouraged to fill out for a forbearance period ( instead of a deferment so that I was not responsible for the interest accrued due to not having a job ). I explicitly stated that I did not have a job and I was encouraged to fill out for IBR. What the rep told me was that since I had no income or employment then I wouldnt have to pay anything. However, what they did not mention is I would be responsible for interest accumulated. In addition, studentgov sent the IBR form to other loan companies so those companies took my submission as permission to change those accounts. For example, if I was already placed in a forbearance or deferment status with another company, upon receiving my application, they would remove me from that status and place me on the IBR plan.

Company believes it acted appropriately as authorized by contract or law

GREAT LAKES

IL

60607

Consent provided

Web

2017-04-14

Closed with explanation

No

No

2018-03-28

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I have been enrolled in the PSLF program since XX/XX/XXXX. I have re-certified my employment annually as required by the program and made on-time payments. In XX/XX/XXXX, I enrolled in a XXXX XXXX program for which I took NO student loans and continued to make qualifying payments on my old loans. After about a year, I found out that although I had continued to receive a monthly bill ( and paid each month ), XXXX XXXX had placed my account in deferment without my permission because they received notice that I was in school. I immediately called, asked for the forms to be sent to me to nullify the deferment. I mailed and faxed these forms and was told that XXXX had not received them. I repeated the process and was told that the unauthorized deferment had been cancelled and ALL of the payments made in XX/XX/XXXX and XX/XX/XXXX would count as qualifying payments. I wrongly assumed this matter was closed. In XX/XX/XXXX, I submitted my employer certification form as I have annually. A typo on the date prevented the form from being submitted. I resubmitted the form and had my employer verbally confirm the information to XXXX over the phone. XXXX denied my application again and said it was incomplete, they needed information over the phone from my employer. I repeated the process and XXXX also contacted our HR department themselves. HR provided the necessary information again and still my re-certification was not approved because XXXX stated they had never spoken to my employer. Process was repeated again and finally in XX/XX/XXXX my employment was re-certified for the period of XX/XX/XXXX-XX/XX/XXXX. In the confirmation email, FedLoan stated they would MAIL me a letter telling me how many qualifying payments I had made. As of XX/XX/XXXX I still had not received that information. On XX/XX/XXXX I called XXXX to ask why I hadn't received information outlining my number of qualifying payments. The agent said " it could still be processing, but I can tell you that you have made 34 qualifying payments. '' Given that I have been participating in PSLF for almost 5 years, I knew this was an incorrect calculation. I asked the agent to go over all of my payments with me. He found that XXXX had never counted my payments from the time I was in a XXXX program in XX/XX/XXXX-XX/XX/XXXX and filled out paperwork stating that I did not authorize XXXX to place my account in deferment and was told that the deferment was cancelled and ALL payments made during that period would be counted. This agent also told me there was a payment in XX/XX/XXXX that didn't count because it was XXXX cents ( not {$12.00}, XXXX cents ) less than it should have been. I really couldn't understand how that even happened and I generally pay a little extra on my TEACH grant ( which was turned into a loan ) each month so that didn't make sense to me. He told me he would submit that payment as well as the ones that were made during the period when XXXX placed a deferment on my account ( not authorized by me and they continued to send bills to me which I paid ) for review to have them applied to my qualifying payments. This customer service agent was very helpful, but he informed me that once this was sent to be reviewed, he couldn't give me any information on how it would be handled. Additionally, he told me this process would take 90 days to 6 months. This is unacceptable to me given the fact that I continue to make payments in good faith to this loan servicer, all the while my payments are not being counted because of clerical errors on their part. I have done my diligence in following up on every incident with XXXX in which I had a concern or needed to submit a document. I have been timely in my annual re-certification, timely with my payments, and I have continued to follow up with XXXX about the PSLF process for several years now to ensure that I am on the right track.

AES/PHEAA

MS

392XX

Consent provided

Web

2018-03-28

Closed with explanation

Yes

2023-04-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX You are in direct violation of the Fair Credit reporting Act 15 U.S. Code 1662b - Advertising of downpayments and installments. ( B ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76513

Consent provided

Web

2023-04-30

Closed with non-monetary relief

Yes

2018-06-03

Credit card or prepaid card

General-purpose prepaid card

Trouble using the card

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

On XX/XX/2018 I purchased a Netspend prepaid XXXX card with {$170.00} cash for the express purpose of paying a bill online. I chose the Netspend prepaid card because it was a couple of dollars cheaper than the Prepaid credit cards it was on display with. It was a Saturday and my bank was closed so I was not able to delposit cash into my bank to pay the bill. I thought that purchasing a prepaid card with a small fee would allow me to quickly pay the bill online. After purchasing the card I immediately went online to activate it, per instructions on the card. I then proceeded to use it. The card was declined. I called customer service. I was on hold for over 10 minutes. Customer service rep verified my name, date of birth, and social security number. He then apologized and said I would not be able to use the card or have access to funds. I was shocked and dumbfounded and asked to speak with a supervisor. After being placed on hold again I was transferred to a supervisor. The supervisor told me there was nothing he could do and I would not be able to use the card or have access to my funds.

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

Netspend Corporation

GA

30701

Consent provided

Web

2018-06-03

Closed with explanation

Yes

2017-12-20

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

Credit reporting

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

Their investigation did not fix an error on your report

The credit card account ending XXXX with XXXX XXXX XXXX XXXX is the subject matter of this complaint. This account was opened around XX/XX/XXXX. Made the regular payments and the account was in good standing until the last payment made on XX/XX/XXXX. I moved to a temporary residence of XX/XX/XXXX. I tried to negotiate the past due balance but the account was charged off three months later ( XX/XX/XXXX ) and no payments can be accepted since the account was referred to a debt collection. On XX/XX/XXXX, I received a communication letter from a debt collector. On XX/XX/XXXX I sent a validation to XXXX XXXX XXXX. I did not received any respond from XXXX XXXX XXXX. The debt collector sent an account statement stating that this meet the requirements of debt validation as per FDCPA 15 USC subsection 1692g. XXXX XXXX XXXX did not meet the requirement of validating such disputing debt. No affidavits or any statements made by XXXX XXXX XXXX any validity of the disputed debt. No response from my lawful inquiries whether XXXX XXXX XXXX still have the legal right to collect any obligation to pay on my part of such charged off account as bad debt reported to IRS or if the account has been sold or transferred to a debt collector. On XX/XX/XXXX the debt collector sent me a NOTICE OF INTENT TO FILE SUIT AND INCUR COURT COST prior XXXX XXXX XXXX lawfully and legally validating such debt. At present the debt collector filed a lawsuit against the consumer reporting the XXXX XXXX XXXX IS THE PLAINTIFF. If that 's the case I am demanding XXXX XXXX XXXX to provide a sworn affidavit that in fact they are suing me ( the consumer ) of the subject alleged debt. And also provide ME the name of the debt collector XXXX XXXX XXXX that representing them as the PLAINTIFF.

EQUIFAX, INC.

CA

92019

Servicemember

Consent provided

Web

2017-12-20

Closed with explanation

Yes

2019-09-30

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

I have been a victim of identity theft as i have reached out to this company numerous of times to resolve this dispute. But to no avail. I have sent my police reports and documentation but this company refuses to answer my request

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

Experian Information Solutions Inc.

FL

33054

Servicemember

Consent provided

Web

2019-09-30

Closed with non-monetary relief

Yes

2022-12-29

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

Credit reporting

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

Their investigation did not fix an error on your report

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. I have already disputed these items on XX/XX/XXXX, and XX/XX/XXXX, but the bureaus did not remove them, or prove validation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

EQUIFAX, INC.

SC

29154

Consent provided

Web

2022-12-29

Closed with explanation

Yes

2017-06-25

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

on X/XX/17 there was a landscaping company at my house. They had issues completing the landscaping per the design, and I asked them not to show up any more. They charged my USAA credit card in the amount of {$2200.00} and he advised me that he ( XXXX - the Superintentent on the project ) would just sign the iPad for me. I advised him he is not authorized to sign on my behalf. The credit card charge was processed, and charged to my account. When I asked USAA about the charge they opened a fraud case, they asked for a bunch of information, one of which being a quote from a landscaping company to resolve the issues. Its XX/XX/XXXX and we 're in the middle of landscaping season and all the landscapers are busy. I could n't get a quote done. While I was trying they closed the case and said that there was no " billing error '' that happened. When I called to inquire they advised me to submit a letter, and file a complaint here.

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

CO

800XX

Consent provided

Web

2017-06-25

Closed with explanation

Yes

2023-01-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

After reviewing the FCRA ( which governs how information is furnished in a consumer report ) as well as consumer law, it has come to my attention that your company is violating the law ( s ) set in place to protect the consumer. Last time I checked, company policies do not trump federal law. If this is the case, send me documentation ( s ) supporting the claim.

EQUIFAX, INC.

WI

53223

Consent provided

Web

2023-01-07

Closed with explanation

Yes

2023-07-04

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

Credit reporting

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

Investigation took more than 30 days

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77550

Consent provided

Web

2023-07-04

Closed with non-monetary relief

Yes

2021-07-07

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

I was reviewing all three of my credit reports a couple of weeks ago and noticed my auto loan with XXXX XXXX was all of the sudden not on any of my reports as it had been since I opened it XX/XX/2019!! I contacted XXXX XXXX and spoke with XXXX XXXX at the corporate office XXXX. She assured me it was a large company wide issue with an update they did which caused the system to somehow lose and not report hundreds or more accounts and that they are in the process of correcting and updating all with the credit bureaus! She sent me the account verification showing information for my account and said I should contact the bureaus to update and add it back on as they are also going to do! The bureaus should have noticed this and let me know they can see it had been reporting regularly for years!! This lowered my credit score too!! I told XXXX XXXX I am not closing my prior complaint until all is corrected! Here is the information I want all three credit reporting agencies to add all back on to my reports and send me a corrected and accurate full report by mail after they do so!!

EQUIFAX, INC.

IL

628XX

Consent provided

Web

2021-07-07

Closed with explanation

Yes

2021-03-10

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

Credit reporting

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

Investigation took more than 30 days

I am sending letters to the credit bureaus and they have not responded, I have incorrect information on my credit report that hurts me, I have inaccurate accounts, and unauthorized inquiries.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

331XX

Consent provided

Web

2021-03-10

Closed with explanation

Yes

2019-04-23

Debt collection

Auto debt

False statements or representation

Attempted to collect wrong amount

Back in XXXX Pinnacle Financial Group purchased my auto loan from XXXX XXXX. Ever since then I have had multiple issues with this company. Back in XXXX of XXXX they fraudulently charged my card 2 in the same month. Most recently they are claiming I owe late fees from XXXX and current. I previously had several conversations with different account representatives regarding late fees. They refunded me the late fees in the past because my original contract doesn't have any late fees and they have NEVER given me a response regarding their late fee process. I would like them to remove all previous and current late fees so that I can settle this account once and for all.

Pinnacle Financial Group, Inc.

MD

21040

Consent provided

Web

2019-04-26

Closed with non-monetary relief

Yes

2020-06-17

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

XXXX XX/XX/2020, I contacted the XXXX number as instructed only to find out that my current account that has always been paid as agreed will not be reported to any Credit Agency because even though my Bankruptcy was dismissed prior to my loan with XXXX. XXXX has a policy not to report on those accounts however XXXX will not even release to me that policy in writing. I find this very interesting. XXXX is a sub prime type lender. I have made every effort to make my payments before or by the due date as my sincere desire is to improve my credit status and maintain it. However I while I appreciate the services that they have provided for me I do pay a high interest rate and am really working diligently to qualify for lower rates in the future. Please note that it does benefit this type of lender not to report favorably on those who are making on time as agreed or better payments. Thank you for reviewing this matter. Respectfully,

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30096

Consent provided

Web

2020-06-17

Closed with explanation

Yes

2021-12-09

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.

EQUIFAX, INC.

NC

28205

Consent provided

Web

2021-12-09

Closed with explanation

Yes

2022-10-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

GA

30549

Consent provided

Web

2022-10-20

Closed with explanation

Yes

2022-06-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I sent my letter off on XXXX XXXX. I Told the credit bureaus to " Investigate every piece of information '' on the accounts I have listed below. The Credit bureaus stated my account was properly invested but how is that possible if the accounts have multiple inaccuracies. Also I have attached the letter I sent out. According to the FCRA The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the Consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. They Also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A. States a consumer reporting agency can not furnish a account without my written instructions. According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; Accounts : XXXX Credit Union ( # XXXX )XX/XX/XXXXXX/XX/XXXXCredit Union XXXX # XXXX ) XX/XX/XXXXXXXX Auto ( # XXXX ) XXXX ( # XXXX ) XXXX ( # XXXX ) XXXX XX/XX/XXXX ( # XXXX )XX/XX/XXXX Credit Union ( # XXXX ) I'm requesting a XXXX dollars per violation or Deletion of the accounts

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11224

Consent provided

Web

2022-06-06

Closed with non-monetary relief

Yes

2022-03-15

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.

Bread Financial Holdings, Inc.

FL

32225

Servicemember

Consent provided

Web

2022-03-15

Closed with explanation

Yes

2016-10-13

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

Security Credit Services continue to attempt to collect a debt that is not mine and place this debt on my credit report.

Security Credit Services, LLC

PA

19136

Consent provided

Web

2016-10-18

Closed with explanation

No

No

2020-09-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48335

Consent provided

Web

2020-09-09

Closed with explanation

Yes

2023-04-05

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

Credit reporting

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

Investigation took more than 30 days

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my XXXX account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. Best, XXXX XXXX

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

Experian Information Solutions Inc.

FL

33055

Consent provided

Web

2023-04-05

Closed with explanation

Yes

2019-08-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

29229

Consent provided

Web

2019-08-28

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$590.00} ; XXXX XXXX Balance : {$690.00} ; XXXX XXXXXXXX Balance : {$7100.00} ; XXXX XXXX XX/XX/XXXX ; EXPERIAN XXXXXXXX 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.

GA

30022

Consent provided

Web

2023-08-25

Closed with explanation

Yes

2023-09-11

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

On XX/XX/2023 XXXX charges from merchant XXXX XXXX was made on my at the time bank of the west account which is now BMO bank. i had placed XXXX order online with the merchant which was shipped out to me in XXXX shipments so they had split the charge to XXXX since it was shipped in XXXX parts. charged {$2500.00} {$2100.00} {$350.00} the items were shipped back to merchant using XXXX tracking XXXX. Weighed XXXX lbs signed for by XXXX delivered on XX/XX/2023. you have XXXX days to return anything with the merchant. merchant for a week said they will refund me and gave me the run around i never got the refund so i contacted my bank to file a dispute. i filed my dispute was told i would have a temporary credit in XXXX days while they work on it. i never got that temporary credit and on top of that bank of the west now bmo bank ignored me for over a month i had to chase them down. after ignoring several emails by a supervisor XXXX and my so called fraud department agent XXXX i got sick and tiered and decided to write to there corporate and file a claim with you guys. i have still been chasing them down and have had no luck getting any answers from them. XXXX weeks ago i got XXXX answer from XXXX who re opened the case because they are claiming merchant said it has been returned/exchanged in. store but there is no proof of who or whom, did this what card a return or exchange was done on and i do not understand was it a exchange or return. they have been lying to me and since i did not fall for the lie they claimed to have re opened the claim which i highly doubt. i have no proof of that return exchange or who ever did it if it was done or how that could have even happened if my package clearly shows delivered and it transit at those times and merchant signed for it also. i am beyond angry and upset with bank of the west now bmo bank for treating me this way. i have my proof of return which is my tracking i should be getting my funds back to me instead of helping me they are ignoring me and not doing anything at all. it has been the worst experience and they are the worst bank who lies and treats their customers like XXXX. they have a full fraud liability and i as a customer am saying the merchant is doing fraud they received my merchandise and are not refunding me and my bank who is suppose to protect me who has my trust with my money is doing nothing and on top of that ignoring me at all costs. never bank with them i am so glad i did not take my XXXX business accounts to them because they way they get you to be a customer is all lies. the claim numbers with the bank is XXXX. XXXX. XXXX

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

BMO HARRIS BANK NATIONAL ASSOCIATION

CA

91311

Consent provided

Web

2023-09-11

Closed with explanation

Yes

2023-06-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received mail from Affirm in XX/XX/XXXX for XXXX collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with Affirm. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. The three collection accounts then showed up on my XXXX credit report. I disputed them individually on XXXX on XX/XX/XXXX and the company notified XXXX they belong to me ( they are not mine ). I disputed them again on XXXX, said they are not mine and asked them to provide proof. They again told XXXX they are mine and did NOT provide proof. I called Affirm again and disputed the accounts. I was told they would research and call me back within XXXX days. Ive not heard anything from by phone or mail. These accounts are still showing on my XXXX report. I want them removed from my credit report and I also want Affirm to remove these XXXX debts from me because they are not mine.

Affirm Holdings, Inc

IN

461XX

Older American, Servicemember

Consent provided

Web

2023-06-06

Closed with explanation

Yes

2021-04-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

Last year I called the debt collector and we settled on {$150.00}, which all payments was made. I look into my report and noticed they reopened it again for {$500.00}. This is an act of fraud, they determine to destroy my credit even when payments was made, I will be attaching a screenshot report I had 2020 show the amount of {$150.00}, also will be showing another screenshot of {$500.00} showing opened. Don't understand how we can reach a settlement and months after another money is being reported.

COMMUNITY CHOICE FINANCIAL, INC.

TX

75069

Consent provided

Web

2021-04-28

Closed with explanation

Yes

2022-08-26

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

Credit reporting

Incorrect information on your report

Account information incorrect

This company IS reporting INCORRECTLY & NOT IN A TIMELY FASHION-

Chime Financial Inc

VA

23229

Consent provided

Web

2022-08-26

Closed with explanation

Yes

2022-02-23

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

THE COMPANY, CREDIT CONTROL LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

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

Credit Control, LLC

NJ

07036

Consent provided

Web

2022-02-23

Closed with explanation

Yes

2018-04-11

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.

Lloyd & McDaniel, PLC

KY

40505

Consent provided

Web

2018-04-11

Closed with explanation

Yes

2022-03-09

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

Credit reporting

Incorrect information on your report

Account information incorrect

I AM DISPUTING MY ACCOUNT WITH XXXX FROM LAST 1 YEAR. THEY ARE REPORT WRONG DATA ON MY REPORT FOR XXXX XXXX XXXX ACCOUNT. DATE OF LAST PAYMENT IS WRONG. CLOSED DATE IS WRONG. THEY VIOLATED MY RIGHTS Delinquency First Reported XX/XX/2019, WHICH IS WRONG I PAID AS AGREED IN XX/XX/2019.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93727

Consent provided

Web

2022-03-09

Closed with non-monetary relief

Yes

2023-05-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60046

Consent provided

Web

2023-05-18

Closed with non-monetary relief

Yes

2023-01-31

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act CXXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. XXXX XXXX XXXX XX/XX/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 an account without my handwritten instructions.

EQUIFAX, INC.

NV

89129

Consent provided

Web

2023-01-31

Closed with explanation

Yes

2019-06-25

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was paid

I only have one complaint and that is Portfolio is not reporting the correct amount on my file that is owed which is XXXX.

PORTFOLIO RECOVERY ASSOCIATES INC

TX

XXXXX

Consent provided

Web

2019-06-26

Closed with explanation

Yes

2022-08-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXX. OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

EQUIFAX, INC.

TX

77077

Consent provided

Web

2022-08-15

Closed with explanation

Yes

2017-09-21

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt is not yours

We had a mortgage with greentree we went to court and the judge stated after the home sold that is all they were getting and they sold a bogus amount not owed to anyone to XXXX XXXX it 's now on my credit report as a tax right off need it taken off my credit report

Greentree & Associates

MI

49424

Consent provided

Web

2017-09-21

Untimely response

No

2022-12-30

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

Credit reporting

Incorrect information on your report

Account information incorrect

I write to complain about XXXX XXXX XXXX credit card for willful and wanton violations if the FCRA for failing to report updated data to Equifax since XX/XX/XXXX despite the fact that so have made monthly payments monthly. My Equifax attached copy of my credit report dated XX/XX/XXXX inaccurately fails to include my payments for XXXX XXXX XXXX XXXX XXXX etc. XXXX last updated my file in XXXX and my report shows No Data Available monthly since XX/XX/XXXX as clearly evidenced from my report. Since I made monthly payments XXXX violated the FCRA by failing to mark 6 months of monthly payments. No Data Avsikabke is inaccurate and known to be inaccurate by XXXX and Equifax. Obviously, the date of last payment of XXXX is inaccurate as future payments were never reported as required. The date of last activity of XX/XX/XXXX is also obviously inaccurate. XXXX has breached its obligations to report accurate and complete data therefore it no longer has a right to report data mandating permanent deletion of my account from every CRA and sn obligation if every CRA to block access to XXXX to insure permanent deletion is insured. It is too late to correct data so Permsnent deletion is required. I dispute all payment and incomplete data so, until the account is deleted, my Comenity account MUST include the permanent designation Of Account Disputed by Consumer and failure to mark account as disputed, even if XXXX disagrees, shall constitute additional willful FCRA violations which I claim now for {$1.00}? XXXX per violation.

EQUIFAX, INC.

FL

32836

Older American

Consent provided

Web

2022-12-30

Closed with explanation

Yes

2022-06-03

Debt collection

Other debt

Written notification about debt

Notification didn't disclose it was an attempt to collect a debt

i recieved mail from a debt collection company trying to collect a debt of behalf of XXXX XXXX. This is a direct violation of my federal rights. U.S.C. 1692 states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;

EOS Holdings, Inc.

FL

32504

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2020-08-11

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have one account with XXXX in good standing and for some reason they have two more accounts under my name

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11434

Consent provided

Web

2020-08-11

Closed with explanation

Yes

2023-06-27

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its 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.

SC

29483

Consent provided

Web

2023-06-27

Closed with explanation

Yes

2020-09-08

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

Credit reporting

Incorrect information on your report

Account information incorrect

We completed a loan modification with XXXX XXXX quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.

EQUIFAX, INC.

NJ

077XX

Consent provided

Web

2020-09-08

Closed with explanation

Yes

2021-06-02

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

Credit reporting

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

Their investigation did not fix an error on your report

I was late on my credit card payments due to no fault of my own. On XX/XX/XXXX, I made a late payment on the XXXX of XXXX, my bill was due on the XXXX of XXXX. XXXXXXXX XXXX XXXX my credit provider reported the late payment as 30 days late even though I had informed them that I was going to be late on my payment. On XXXX of XXXX, with a new job, I was late on my payment due to payroll errors or glitch in the system. I had to send new documentation to my payroll to set up my direct deposit payments. I had informed XXXX XXXX XXXX about the situation and I was reassured that it would not affect the good health of my credit standing, nevertheless it was reported to the credit bureaus and it negatively impacted my credit score.

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

Experian Information Solutions Inc.

NY

100XX

Consent provided

Web

2021-06-02

Closed with explanation

Yes

2022-09-26

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late in XXXX of XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX XXXX, XXXX and XXXX of XXXX - never been late TD Bank/Target - account number XXXX opened XX/XX/XXXX -- -- reported late XX/XX/XXXX - never been late XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account XXXX - account number XXXX opened XX/XX/XXXX -- -- this is not my account 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.

TD BANK US HOLDING COMPANY

TX

77450

Consent provided

Web

2022-09-26

Closed with explanation

Yes

2022-06-09

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

EQUIFAX, INC.

GA

30121

Consent provided

Web

2022-06-09

Closed with explanation

Yes

2022-02-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

CA

95127

Consent provided

Web

2022-02-23

Closed with explanation

Yes

2023-07-09

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

Credit reporting

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

Their investigation did not fix an error on your report

In the court of the FCRA these accounts XXXX GXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30294

Consent provided

Web

2023-07-09

Closed with non-monetary relief

Yes

2022-07-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The following account is listed on my credit report that violates : 15 USC 1681a *Accuracy and fairness of credit reporting... There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 USC 6802 : a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Account number is XXXX when i applied for this credit card i never received a clear and conspicuous in writing or in electronic form i need XXXX to delete this account immediately

CAPITAL ONE FINANCIAL CORPORATION

CA

92114

Consent provided

Web

2022-07-23

Closed with explanation

Yes

2023-03-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75050

Consent provided

Web

2023-03-11

Closed with non-monetary relief

Yes

2017-05-12

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt is not yours

Continued attempts to collect debt not owed. Filed a complaint with the original creditor XXXX XXXX and they stated in their response that this complaint does n't belong to them.

Ad Astra Recovery Services Inc

TX

XXXXX

Consent provided

Web

2017-05-12

Closed with explanation

Yes

2017-11-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have disputed this account several times, asking for verification of the information that XXXX XXXX XXXX is reporting to the 3 credit bureaus. The only thing I was told was that it will not be deleted. They never verified my information or showed me any proof of this account. I have no idea what this account is for. I see that the balance owed is XXXX dated XXXX XXXX 2014, However I have yet to receive a copy of an Agreement that I signed, or what the contract was for.

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

HCFS Health Care Financial Services, Inc.

FL

32738

Consent provided

Web

2017-11-30

Closed with explanation

Yes

2021-08-24

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

Credit reporting

Incorrect information on your report

Account status incorrect

My student loan was in deferment and they reported the loan as late payments. I also never attended XXXX XXXX XXXX and they charged me any way for the loan. I consolidated my loan with nelnet and they STILL garnished my taxes and the remaining balance of {$61.00} they allowed Nelnet to consolidate on a plan to repay. They were supposed to consolidate the entire amount for the student loan. That was the agreement. They illegally garnished my taxes while in consolidation. I paid the {$61.00} in XX/XX/2020. My account with Nelnet is in good standing and paid. US Department of Education and XXXX XXXX are reporting that my account is delinquent. This is not accurate. The account was consolidated with Nelnet and is in good standing. I have called the US Department of Education and they tell me to call Nelnet. Nelnet tells me to call US Department of education. This inaccuracy is bringing my scores down over 100 points on XXXX.

Nelnet, Inc.

NC

27804

Consent provided

Web

2021-08-24

Closed with explanation

Yes

2022-10-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

NEVER LIVED AT ANY ADDRESS OR HAD THESE NUMBERS THEY WONT REMOVE THEM ( XXXX ) XXXX Cellular ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXXXXXX, CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX CA XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX, CA XXXX Under dispute Resident type Multifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Under dispute Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Resident type Single family XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Single family Date of birth

EQUIFAX, INC.

NV

89084

Consent provided

Web

2022-10-28

Closed with explanation

Yes

2021-05-12

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I had an old medical account in which Transworld system picked up i called and asked if i paid the debt will it be removed from my Credit report they stated yes pending payment this was now 3 yrs ago an it has a negative impact on me trying to purchase a house. The company is refusing to help.

TRANSWORLD SYSTEMS INC

PA

19124

Consent provided

Web

2021-05-18

Closed with explanation

Yes

2023-08-26

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am formally submitting my CFPB complaint to report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. I am aware of the legal requirement for credit bureaus to investigate and respond to disputes within 30 days. Given the seriousness of this matter, I am seeking your prompt attention and resolution. Please provide me with a written confirmation of the removal once the investigation is complete. Furthermore, I request an updated copy of my credit report reflecting the accurate and corrected information, once the fraudulent items has been removed. These are the following fraudulent items that I want to disposed of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

MS

39301

Consent provided

Web

2023-08-26

Closed with explanation

Yes

2023-04-05

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. This item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93560

Consent provided

Web

2023-04-05

Closed with non-monetary relief

Yes

2022-05-05

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

Unauthorized Credit Inquires on my report XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Credit Plus Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Data Inquiry Date XXXX XXXX Factual Data Inquiry Date XXXX XXXX XXXX XXXX Inquiry 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

78852

Consent provided

Web

2022-05-05

Closed with explanation

Yes

2018-11-12

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Sent card you never applied for

A few weeks ago, my husband and I received in the mail what we believed to be replacement credit cards for our XXXX XXXX/Care Credit credit cards. We applied initially for Care Credit a few years ago to help us when we run into the occasional incidents where we have medical, dental, or veterinary expenses that exceed our out-of-pocket financial abilities at that time and the cards are used VERY rarely, MAYBE once every 1-2 years. Anyway, we received two cards from Synchrony/Care Credit that we believed to simply be replacements for our existing cards. The cards had the standard stickers on the front to call and activate them, so I did so and did not encounter anything that seemed out of the ordinary or unusual from any other time I've ever received new cards from any other bank/credit card institution. I believe that the new cards were just that, new cards ( possibly with an increased spending limit, I don't recall ). In the past when I've encountered such circumstances with other such credit companies ( like XXXX XXXX ), a new card or an increase in spending limit does not equate to a whole new account being opened. However, today I received notice from XXXX XXXX ( via a feature that I use to monitor changes in my credit ) that a new account had been opened in my name and it had adversely impacted my credit score. Upon review, Synchrony/Care Credit had closed my prior account with them and had opened a whole new account for me and my husband when I activated the new card. The closing of one account and opening of another dropped our credit scores. I immediately called the credit bureau ( XXXX, in this case ) and reported this issue as a dispute on both of our credit reports. At the advice of the credit bureau, I also called Synchrony/Care Credit to ask why they had closed my old account and opened a new one as opposed to just giving me the new card/increasing my limit on my old account. I was advised, basically, that they had sent me fine print or a " disclosure '' that had informed me this is what they would do. Respectfully, I am a XXXX XXXX XXXX and maintain this designation actively. I XXXX XXXX and XXXX for a living. I am far more savvy and attuned to these sorts of things than the average consumer. So if I fell for this, I imagine many other consumers are as well. I don't think what Synchrony/Care Credit did is honest/ethical and I certainly would not have consented to opening a whole new account with them for a card that I do not maintain a balance on and use incredibly infrequently and only for certain specified purchases. I feel this practice of sending account holders mail that looks like just new cards is a dishonest and questionable business practice.

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

SYNCHRONY FINANCIAL

NE

68130

Consent provided

Web

2018-11-12

Closed with explanation

Yes

2021-04-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX continues to report accounts that were never opened by me. XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) I previously owned a XXXX but it was a XXXX XXXX XXXX. I acquired this car in XXXX It was totalled in a car accident in XXXX. I never owned another XXXX. XXXX XXXX XXXX XXXX # XXXX ( Account incorrectly Reporting on my report. ) This was a fraudulent account opened back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up two times. I had a authorized user XXXX account that my mother added me to that she opened in XXXX. XXXX XXXX XXXX XXXX # XXXX This account was fraudulently opened up back in XXXX. I filed a report with my local police department and the account was removed but it has shown back up recently.

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

Experian Information Solutions Inc.

CA

90807

Consent provided

Web

2021-04-21

Closed with non-monetary relief

Yes

2020-10-09

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX )

CURO Intermediate Holdings

CA

93535

Consent provided

Web

2020-10-13

Closed with explanation

Yes

2016-08-02

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt was paid

I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.

CAPITAL ONE FINANCIAL CORPORATION

SC

29456

Consent provided

Web

2016-08-02

Closed with explanation

Yes

No

2020-12-22

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

Credit reporting

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

Their investigation did not fix an error on your report

In XX/XX/2020 I sent Experian and XX/XX/XXXX a 609 Letter/ Dispute advising the items on my credit report was incorrect and advised these two companies I had no contract with these companies and to show proof there was a contract with a Wet Signature proving I signed a contract with these companies and if nothing was provided to removed these negative items from my credit report. Contract Makes The Law ... ... .. No contract no obligation. This is clearly FRAUD and the credit bureau continues to report fraudulent information to my credit report.. They are not doing their job or due diligence. Experian XXXX. XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX. XXXX XXXX XXXX, GA XXXX

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

Experian Information Solutions Inc.

MO

64030

Consent provided

Web

2021-01-08

Closed with explanation

Yes

2017-09-11

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

Credit reporting

Incorrect information on your report

Personal information incorrect

I complained back in XXXX about my Chexsystems information being incorrect. They have my middle initial a C when it should be R. Chexsystems told me the report was given by a bank sometime ago, most likely a credit card I tried to apply for years ago. The middle initial in their data base with the letter C is incorrect. They refuse to correct that information. I believe that is why banks, etc. have turned me down several times. There was a time when identity theft was being committed towards me back in XXXX.

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

Fidelity National Information Services, Inc. (FNIS)

IL

60031

Consent provided

Web

2017-09-20

Closed with explanation

Yes

2023-09-26

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

752XX

Consent provided

Web

2023-09-26

Closed with non-monetary relief

Yes

2022-09-20

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

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

EQUIFAX, INC.

FL

33809

Consent provided

Web

2022-09-20

Closed with explanation

Yes

2020-08-12

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts

JPMORGAN CHASE & CO.

CA

94603

Consent provided

Web

2020-08-12

Closed with explanation

Yes

2017-07-10

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I am astounded at both the attitude and actions apparently ( suddenly ) taken by Equifax against me today, Monday XXXX XXXX, 2017, as they 're a regulated credit reporting bureau who is subject to the FCRA ( Fair Credit Reporting Act ) statutes as well as other federal statutes designed to protect consumers and their information. After over an hour on the phone, and being assured first by an underling employee upon call-in that there were " no blocks on my credit file '', I 've discovered Equifax has been specifically not allowing any outside credit monitoring or access of my credit file recently as I 've been trying to re-sign back up with XXXX owned by XXXX XXXX XXXX. Having now wasted 3+ weeks back-and-forth trying to sign up with XXXX unsuccessfully, I 'm apparently now finding out the reason why? First, being transferred 3 times and being told a different department is suddenly now handling my credit file, I get transferred to Equifax 's representative within their Office of Consumer Affairs, XXXX XXXX, who blatantly evasively states to me today : " they 're ( Equifax ) is fully entitled to take this protective measure and put my credit file into their office 's oversight '' without any reason stated, thus, locking up my report. Amazingly, she further stated : " you will not be able to further sign up for any outside credit monitoring services outside of Equifax '', and when I asked her for how long is this, she replied : " Indefinitely '' as " they 're fully entitled under the law ''?? Why?? Do they realize how unnecessarily hard it makes it for me - let alone a 3rd party I hire to assist me - or even a creditor I apply for credit with to gain access reasonably to my credit file?!?! How can a consumer reporting agency like Equifax take a deliberate and punitive action to effectively 'lock off and up ' one 's credit file, not allowing any further outside access by a creditor, credit monitoring service, or anyone I consent to allow access and have to ONLY go through the Office of Consumer Affairs only at Equifax - a MAJOR inconvenience and disruptive obstacle to functional access to my credit file?? PLEASE HELP ASAP!!!! I would like to begin the process of purchasing a home and was wanting to use XXXX in this process. Further to note, I was previously a customer of Equifax 's Premier Plan of which I cancelled voluntarily earlier this year. In my first phone call to Equifax earlier, they were unclear about if I cancelled their services, that a " hold '' or " block '' may be placed upon my credit file without my asking?? Really? And, if that were done, do they even have the legal right without my consent or evidence of fraud to freeze or block my credit file? I asked XXXX XXXX for her badge/ID # and she said she has none despite all other Equifax employees having them. I asked her for her Supervisor 's name, and she told me, " I do n't have to give you that. This is the highest level within Equifax ''. In her continued evasive manner, I asked her for the phone number of her department or the legal department 's number? She said, " XXXX XXXX, there is no number - this is the highest level of Equifax who is hereafter handling your credit file ''. No one can access it further ( " indefinitely '', as stated ), and only a hard copy can be requested and mailed. PLEASE HELP!

EQUIFAX, INC.

MN

55446

Consent provided

Web

2017-07-10

Closed with explanation

Yes

2023-05-12

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

Credit reporting

Incorrect information on your report

Account information incorrect

Lease & Rental MGMT Corp aka Auto Use has been reporting a repossession on my credit where the dates of recent payments are wrong, the balance owed is wrong and the date of last payment is not correct. This is wrong information is making this account look newer than it should be. The date of repossession was XX/XX/2016 and the last payment was before that. The car was repossessed and sold and the sale amount was not applied to the balance owed and reported. The company also did not send me any documentation that showed what the car was sold for and how that was subtracted from the balanced owed. I have repeatedly in the past tried to request this information and they have not responded.

Windham Equity Company

GA

30030

Consent provided

Web

2023-05-12

Closed with explanation

Yes

2023-09-20

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

KY

41042

Consent provided

Web

2023-09-20

Closed with non-monetary relief

Yes

2021-05-15

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

Credit reporting

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

Investigation took more than 30 days

I recently pulled my credit report and noticed some unauthorized inquiries and fraudulent accounts on my credit report. I sent out a letter certified mail on XX/XX/ 2021, to Experian asking that they remove the fraudulent accounts. In the letter, I submitted my identity theft report, 3 forms of identification, a notice of furnishers laws, and the credit report showing where Experian had reported inaccurate information. It has been over 30 days and I have not received a response yet. Here is a list of the fraudulent accounts that need to be removed : XXXX {$3400.00} XXXX XXXX {$1900.00} XXXX XXXX {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX {$750.00} XXXXXXX/XX/XXXXXXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXXXXXX {$950.00} XXXX

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

Experian Information Solutions Inc.

TX

75075

Consent provided

Web

2021-05-15

Closed with explanation

Yes

2022-11-17

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

Credit reporting

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

Investigation took more than 30 days

Investigation from I believe XXXX or XX/XX/2022 resulted in the deletion of the account XXXX XXXX XXXX ( referenced in picture attached ). Upon reappearance of account reinvestigation letter sent XX/XX/2022 received no response, with the follow up letter XX/XX/2022 ( referenced in attachment ) requesting the reinvestigation and requesting deletion for receiving no response, also received no response from the bureau. Another request to investigate on the same matter sent XX/XX/2022 so far has also gone without response.

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

Experian Information Solutions Inc.

OR

97702

Consent provided

Web

2022-11-17

Closed with explanation

Yes

2020-01-24

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I have had a collection on my credit reports ( XXXX and XXXX ) since approx. XX/XX/XXXX. The debt is from Receivables Management in the amount of {$400.00}. I have disputed this debt several times. The debt was rightfully removed from my XXXX credit report as of XX/XX/XXXX. Unfortunately, the debt still remains on the other two credit bureaus. Each time I dispute, it comes back verified but I haven't been provided with any proof that I owe this debt. It simply says verified. I've never been provided with a signed contract with my signature for this debt. A bill or statement does NOT verify a debt is owed. It needs to be removed.

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

The Receivable Management Services LLC

FL

32301

Consent provided

Web

2020-01-29

Closed with explanation

Yes

2016-04-14

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Trouble with how payments are handled

I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.

Company believes it acted appropriately as authorized by contract or law

GREAT LAKES

WI

53189

Consent provided

Web

2016-04-14

Closed with explanation

Yes

No

2022-06-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60563

Consent provided

Web

2022-06-15

Closed with non-monetary relief

Yes

2022-11-23

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I received the credit inquiry alert today XX/XX/2022 that Discover Financial Services pulled my credit, I called them and they said they never put any inquiry on my credit file but inquiry is still showing posted on XX/XX/2022

DISCOVER BANK

TX

76179

Consent provided

Web

2022-11-23

Closed with non-monetary relief

Yes

2020-11-06

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I got a notice that from a credit bureau on XX/XX/2020 that my student loans were in a state of deferment. I called Navient on XX/XX/2020 and found out that they automatically put both my subsidized and unsubsidized loans in a state of deferment without my consent. The customer service rep tried to tell me I was " saving money ''. I asked why they didn't ask me, and she said it is automatic, and I would get a letter soon to say they did it. This action could have cost me increased interest and lengthened the loan I have without my consent. While they did

Navient Solutions, LLC.

OH

442XX

Consent provided

Web

2020-11-06

Closed with explanation

Yes

2018-06-04

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

There a XXXX card that i never apply for under my name it was open on XX/XX/2016 i never had a XXXX credit i been asking XXXX to remove i even told XXXX it was fraud but equitable wont remove me also there a XXXX inquire on my report and i dont have XXXX they close the account beacause it was fraud but they wont remove it from my account XXXX and XXXX.

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

CITIBANK, N.A.

FL

33162

Consent provided

Web

2018-06-04

Closed with non-monetary relief

Yes

2021-04-21

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I sent CENTRAL PORTFOLIO XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) a letter in XXXX with tracking number XXXX requesting Can you please provide the date of delinquency, a copy of the Dunning Letter, your license that you can collect on my state, a copy of the contract with the bill of sales, a copy of the application, a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which they are reporting to the credit reporting agency. I dispute the accuracy and the validity of the account. THEY FAILED TO INVESTIGATE AND RESPOND IN 30 DAYS! They responded with a letter with the date of XX/XX/21 and the letter is insufficient. CENTRAL PORTFOLIO is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.

Central Portfolio Control Inc.

TX

XXXXX

Consent provided

Web

2021-04-21

Closed with explanation

Yes

2020-10-15

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

OnXX/XX/XXXX debt collected sent a notice in past due account. Paid bill within a week and asked for written confirmation debt was paid in full. Have repeated request twice and each time they give us different excuse for not sending out letter. They have also provided incorrect information before on how much was discounted by original company and when letters were sent out. When I have pointed out what occurred in the past they blame me. Original provider even admitted there was a mistake on their end on how process was handled

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

Accredited Collection Service, Inc.

IA

51501

Consent provided

Web

2020-10-15

Closed with explanation

Yes

2021-06-14

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I had several hard inquiries on my account that I did not authorize. I called and sent several dispute letters. Company TransUnion Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX card Company Experian Date : XX/XX/2020 XXXX XXXX Date : XX/XX/2020 XXXX Date : Dont show XXXX XXXX Date : XX/XX/2020 XXXX card

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

Experian Information Solutions Inc.

KS

672XX

Consent provided

Web

2021-06-14

Closed with explanation

Yes

2022-07-22

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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. 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 account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX

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

Experian Information Solutions Inc.

CA

91406

Consent provided

Web

2022-07-22

Closed with non-monetary relief

Yes

2023-02-14

Credit card or prepaid card

Store credit card

Fees or interest

Problem with fees

In XXXX I was charged a late fee of XXXX I made my payment for the month of XXXX on the the XXXX. I was not aware of a end of billing cycle date I thought it would be the due date. View payment details. XXXX XXXX XXXX Submitted XXXX checki {$100.00} I called in and was told the billing cycle started on the XXXX. so the payment did not post to the correct month but the operator told me her supervisor was tied up and she could take care of this for me. I then told her i made the payment for februray on that date which was the XXXX. my pay by dates were the XXXX so I had thought previous to this that was the end of the billing cycle. She said no problem I told her I also needed to make sure the payment I made at that date wewnt towards my XXXX payment to make sure it did not happen again the next month. She said it was no problem. View payment details. XXXX XXXX XXXX Submitted XXXX checki {$100.00} Now this month I have another late fee I called in and told them what had happened they said no You never made a payment for XXXX so you get a late fee. I told the women on the phone I dont think you understand she was trying to argue the fact. I made another payment this one being a XXXX payment for XXXX and a payment for XXXX. along with the late fee again. XXXX XXXX XXXX Submitted XXXX checki {$220.00} And I wrote them a message which they responded I did not make a payment in XXXX so I am being charged a late fee.

TD BANK US HOLDING COMPANY

OH

437XX

Servicemember

Consent provided

Web

2023-03-09

Closed with monetary relief

Yes

2022-02-16

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

Credit reporting

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

Was not notified of investigation status or results

I reached out to the Credit Bureau over a month now and I am yet to receive any documentation or response from them.Section 809 state ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

EQUIFAX, INC.

NY

14304

Consent provided

Web

2022-02-16

Closed with explanation

Yes

2022-10-02

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

Money taken from checking with a fraudulent information. Open PayPal and transfer money to another person.

Paypal Holdings, Inc

MD

21060

Older American

Consent provided

Web

2022-10-02

Closed with non-monetary relief

Yes