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2023-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.
I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.
In accordance with the Fair Credit Reporting act XXXX Account # 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 I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C. Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this Matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91763 | null | Consent provided | Web | 2023-01-22 | Closed with non-monetary relief | Yes | null | 6,471,557 |
2021-07-19 | 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 | Transunion has deleted one of my good standing paid off auto accounts. Inspite of all the letters that I have sent to TransUnion over the last couple of month. I have been ignored by Transunion. Please review the attached document that shows that this account is in good standing and have been paid in full. The decision of Transunion to deleted it it detrimental to my consumer report and my ability to obtain credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20850 | null | Consent provided | Web | 2021-07-19 | Closed with explanation | Yes | null | 4,554,996 |
2023-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I previously disputed this account stating : " This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
These accounts are also past the legal time to be reported.
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. | CA | 92551 | Servicemember | Consent provided | Web | 2023-07-28 | Closed with explanation | Yes | null | 7,316,675 |
2022-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XXXX, I wrote a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored over my disputes. In Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also compromised by the Equifax data breach and may have gotten into the hands of the wrong person. | null | EQUIFAX, INC. | GA | 30043 | null | Consent provided | Web | 2022-07-13 | Closed with explanation | Yes | null | 5,765,533 |
2020-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XX/XX/XXXX I pulled my annual credit report with all 3 credit repositories and found that there is information reporting incorrectly on my report.
I filed for a BK XXXX in XX/XX/XXXX. Papers filed were to reinstate both my home mortgage and my car loan. No debtors appeared at my hearing for debtors and there were no objections from the trustee to reinstating my selected accounts and discharging the others. My BK was discharged XX/XX/XXXX.
I had no mortgage or car payment late pays prior to, during or after the BK. The trustee was well aware of my desire to reinstate my mortgage and car loan. Again, there were no objects to my request. There were no changes, modifications, etc to the original agreements for these loans and therefore, no need for reaffirmation ( which is only my civil legal liability to the loan and not my payment history ).
I discovered that my auto loan account is reporting Discharged Through BK Chapter XXXX / Never Late, along with, current payment history on the auto loan thru XX/XX/XXXX. However, the account is being reported as closed as of XX/XX/XXXX. Again, this is inaccurate as this debt was reinstated, not discharged and it only serves to negatively impact my credit rating.
I contacted my auto loan carrier at XXXX whom stated that they have not reported my account as closed and have reported all of my payments. They did a soft pull on my XXXX and said XXXX was no longer reporting any of my payment history and that they run into this kind of thing frequently and have tried to address with repositories whom only say that they have the option to report as they choose. I would believe that this is in direct violation of the Fair Credit Reporting Act, but I will leave that to the investigation of the CFPB.
I also discovered that my mortgage history was reporting through XX/XX/XXXX, again with Discharged Through BK Chapter XXXX / Never Late and closed XX/XX/XXXX. Again, inaccurate as this debt was reinstated, not XXXX.
Since my original mortgage with XXXX, my loan has been serviced by multiple servicers, however, the newest one is now XXXX XXXX XXXX, who is not reporting to my credit at all. I contacted them at XXXX and the representative advised me that it is their policy to make no credit reporting at all without a reaffirmation agreement. I explained that I live in Arizona which is a title and deed state, meaning my vested interested in the property never changed and again, no affirmation is required as there were never any changes made to the original loan agreement, via terms and payments which would affect what is reported to credit history. I asked if there was an escalation process to request that my payments be reported to the repositories and again was told that this is a part of their policy. From a consumer point of view, this would appear to be extortion.
I am in complete understanding that once a BK is filed, this affects the WAY a creditor can attempt to collect their debt which is governed by the Fair Debt Collection Practices Act. I am also aware that under the Fair Credit Reporting Act, the periodic statements can be affected. I can understand my credit report showing that there was a Chapter XXXX BK filed and the correct debts that were in fact discharged for up to 10 years. I fail to understand how these 2 creditors and 3 credit repositories, as a part of their policies and practices are reporting inaccurate information to my credit profile under, which is negatively impacting my credit FICO score, as well as, my financial offerings, believe that their actions of extortion are acceptable. In other words, they are refusing to correct their erroneous reporting of the correct status ( REINSTATED / CURRENT ), as well as, payment history to these accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85304 | null | Consent provided | Web | 2020-01-30 | Closed with explanation | Yes | null | 3,513,830 |
2020-10-18 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX, XXXX. added debt to my credit report in the amount {$1100.00}. This is not my debt. I have current open account with same company in GOOD standing at {$0.00} balance. I do not know where this other account came from. I have disputed and spoke to customer agents also have sent out a letter regarding matter. | null | Resurgent Capital Services L.P. | GA | XXXXX | null | Consent provided | Web | 2020-10-18 | Closed with explanation | Yes | null | 3,905,395 |
2023-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48187 | null | Consent provided | Web | 2023-07-14 | Closed with explanation | Yes | null | 7,246,851 |
2020-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My Federal Student Loan accounts have been reported by the Federal Student Loan Servicer as Account Status " Payment Deferred '', despite Section 3513 ( d ) of the H.R. 748 CARES Act requiring " During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. '' My loans have been in repayment for years. I have never missed a payment and always at least pay the minimum amount due every month. My credit score dropped significantly on XXXX from XXXX due to the remarks added to my Federal Student Loan account ( Account Status change to " Payment Deferred '' ). My Federal Student Loan accounts were reported in error. | null | EQUIFAX, INC. | NC | 27703 | null | Consent provided | Web | 2020-05-09 | Closed with explanation | Yes | null | 3,644,346 |
2017-06-09 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Rent Recover ref uses to follow a federal order to remove themselves from credit reports. I have included them in my bankruptcy and they have not complied by leaving the account open as if it is still owed. | null | Rent Recover, LLC | GA | 30071 | null | Consent provided | Web | 2017-06-09 | Untimely response | No | null | 2,545,114 |
2018-05-17 | Checking or savings account | Savings account | Managing an account | Problem accessing account | Hi, About a month and a half ago, my XXXX XXXX high yields savings account got frozen because of some mail that was returned back. I have a new address and it wasn't updated on my account so the mail was going to my parent 's address and the mail was returned. Therefore, XXXX XXXX has frozen my account due to mail being returned so they can prevent fraudulent actions being taken on my account.
I called XXXX XXXX and they have instructed me to send in an invoice of a utility bill with my new address and I have done that. I have faxed it over and they still haven't responded or unfroze my account. Every time I call an operator, they are just pushing me through to the next operator. I am getting no help from Synchrony 's customer service.
My savings account has been locked for almost two months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | 94112 | null | Consent provided | Web | 2018-05-17 | Closed with explanation | Yes | null | 2,909,952 |
2023-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | someone attempter to apply for a credit card in my name... .Spoke to XXXX XXXX and they put a fraud alert but it is showing as an inquiry and that will harm my credit | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48239 | Older American, Servicemember | Consent provided | Web | 2023-05-23 | Closed with non-monetary relief | Yes | null | 7,017,635 |
2021-12-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | ATTN Fraud Department : Remove fraudulent accounts from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90715 | null | Consent provided | Web | 2021-12-29 | Closed with non-monetary relief | Yes | null | 5,049,772 |
2018-08-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/XXXX, I sent my first dispute to the 3 major credit reporting agencies, the dispute was in focus with me being a victim of identity theft. The CRA 's have made no attempt to resolve and respond to me although the Congressional act of FCRA 605B states that a victim with legal stated proof shall have the identified accounts removed from the personal credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 79904 | null | Consent provided | Web | 2018-08-27 | Closed with non-monetary relief | Yes | null | 3,002,793 |
2021-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report. | null | EQUIFAX, INC. | TX | XXXXX | null | Consent provided | Web | 2021-06-24 | Closed with explanation | Yes | null | 4,488,103 |
2020-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the first time I ever had identity theft. I am not sure the reason behind this, but I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these items for my account as soon as possible.
01 XXXX XXXX XXXX XXXX {$86.00} XXXX XXXX {$58000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | XXXXX | null | Consent provided | Web | 2020-02-13 | Closed with explanation | Yes | null | 3,531,025 |
2018-03-21 | Checking or savings account | Checking account | Managing an account | Cashing a check | My son is XXXXyears old and was gifted {$600.00} via a US Bank Check from a US Bank Customer. I am not a US Bank customer nor is my son. We went to the local branch of US Bank at XXXX XXXX XXXX XXXX, XXXX XXXX California ( XXXX ) XXXX. My son arrived with the check and his United States Issued Passport as Identification. The Bank refused to cash his US Bank check stating he was a minor. They told him he had to open an account with them to get his money. I went in to speak with them stating the scenario that it is a customer issued US Bank Check and my son has a valid US issued picture ID. They would not budge. I escalated to a manager and she would not budge. We had to depart without obtaining our funds.
I called the Corporate Customer Service line and was essentially told by the representative that it is at Manager 's discretion ; but he believes the manager handled it wrong and should have cashed the check because my son had a passport.
Both branch employees were very rude and arrogant to my son and I did not care when I stated that I would file a complaint with the CFPB. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 91362 | null | Consent provided | Web | 2018-03-21 | Closed with explanation | Yes | null | 2,850,008 |
2023-09-25 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | After reviewing my latest consumer report, I have identified the inclusion of bankruptcies that reporting. I am aware of a violation of 15 U.S. Code 1681a ( 4 ), which pertains to the Consumer Right to Privacy. Specifically, it has come to my attention that these bankruptcy claims should not be on my credit report, and furthermore, it appears that my personal information has been used without my consent. Use of my information without consent is identity theft. I am a victim of identity theft, and as such, there are criminal and civil liability associated with these discrepancies. I will pursue to next elevated action against you. Please correct urgently and without delay. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 604XX | null | Consent provided | Web | 2023-09-25 | Closed with non-monetary relief | Yes | null | 7,603,665 |
2017-10-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19047 | null | Consent provided | Web | 2017-10-30 | Closed with explanation | Yes | null | 2,715,209 |
2022-08-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX. Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85298 | Servicemember | Consent provided | Web | 2022-08-30 | Closed with non-monetary relief | Yes | null | 5,931,612 |
2021-06-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hello!
Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX XXXX my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school.
I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ).
I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.
I ask that XXXX correct the erroneous late payments ( 12 total ) for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These months should appear as paid on time per my approved deferment from XX/XX/XXXX to XX/XX/XXXX. Please be honest, and provide the credit bureaus with accurate information when they contact you, and remove the 11 incorrect late payments from my credit file. Attached to this letter I have included : -The attached screenshots from XXXX -The letter from XXXX -And the dispute letters from the three credit bureaus Please let me know if you need any additional information from me to assist in remedying this situation. Thank you! | null | EQUIFAX, INC. | GA | 300XX | null | Consent provided | Web | 2021-06-03 | Closed with explanation | Yes | null | 4,428,927 |
2017-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I believe my personal identity information has been compromised by the hacking of Equifax 's databases. | null | EQUIFAX, INC. | IL | 620XX | null | Consent provided | Web | 2017-09-09 | Closed with explanation | Yes | null | 2,661,961 |
2017-11-22 | Student loan | Private student loan | Dealing with your lender or servicer | Problem with customer service | I filed a dispute sent through certified mail with XXXX XXXXXXXX on XX/XX/XXXX because I was informed about negative information reported by " XXXX XXXX XXXXXXXX. '' that stated to validate this information with " XXXX XXXX XXXX/XXXX '' and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit file maintained under my Social Security number. All 3 student loans listed with a reported balance is {$0.00} but still reporting negatively. I received a reply from XXXX XXXX on XX/XX/XXXX, which is within the 30 days to complete the investigation as per the FCRA verifying the information as accurate but no documentation bearing my signature in which I requested. Next, I sent another letter through certified mail to XXXX, XXXX on XX/XX/XXXX stating to provide a reinvestigation within fifteen ( 15 ) days of completion. Also, additionally to please provide the name, address, and telephone number of each person contacted regarding this alleged account and again to formally request a copy of any documents provided bearing my signature. I 've also reminded them of the " XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D. Cal. XX/XX/XXXX ), they may be liable for your willful non-compliance. I received a reply from XXXX, XXXX on XX/XX/XXXX, which is within the 15 days to complete the reinvestigation verifying the information as accurate but again for the second time no documentation bearing my signature for these student loans that I formally requested. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 21117 | null | Consent provided | Web | 2017-11-22 | Closed with explanation | Yes | null | 2,736,148 |
2022-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are loans from XXXX XXXX XXXX servicing center, and XXXX XXXX on experian, XXXX and XXXX. These loan are not mine and i have reach out to them. XXXX XXXX does not have much information on the loan and are unable to tell me much about it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 105XX | null | Consent provided | Web | 2022-09-01 | Closed with explanation | Yes | null | 5,935,562 |
2023-04-07 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/2023 my Citi Custom Cash credit card was stolen while I was shopping at XXXX XXXX in XXXX, WA XXXX. Shortly thereafter, the card was used for the following fraudulent charges : XX/XX/2023 : XXXX XXXX - {$61.00} XX/XX/2023 : XXXX # XXXX - {$33.00} XXXX # XXXX - {$12.00} XXXX XXXX # XXXX - {$9.00} XXXX # XXXX - {$16.00} XXXX XXXXXXXX XXXX - {$0.00} XXXX XXXX # XXXX - {$170.00} XXXX # XXXX - {$49.00} XXXX XXXX XXXX XXXX - {$33.00XXXX XXXX XXXX - {$13.00} XXXX XXXX XXXX XXXX - {$30.00} After these purchases were made, Citi automatically flagged my card and disabled it with the correct assumption that my card had been stolen. I immediately contacted Citi to have the card canceled and the charges disputed, and they sent me a new card.
However, despite the charges being credited to my card and a fraud investigation successfully being opened, the charges were *reversed* and *re-applied* to my card sometime in XXXX and the disputes were closed with the following message : Your dispute is resolved and no credit has been issued Our investigation is complete and a fraud credit will not be issued to your account. We recommend that you review your transaction history to see if the merchant already posted a credit for the transaction before reaching out to us for any questions. If you still need more information on the decision, you can contact us at XXXX ( XXXX XXXXXXXX ).
Legally speaking, I am not allowed to be held liable for fraudulent charges made on my credit card, and Citi is violating consumer finance regulations by attempting to hold me liable for these fraudulent charges made on my credit card. I have contacted them twice since the credits were reversed to have them re-credit me for the fraudulent transactions, however, they have not done so either time despite the customer service representative reassuring me that the charges would be credited to me, and I believe that Citi intends to continue trying to illegally hold me responsible for these fraudulent charges. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | WA | 98105 | null | Consent provided | Web | 2023-04-07 | Closed with monetary relief | Yes | null | 6,809,766 |
2023-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a living person. I have rights under 15 USC 1681 The 3 major credit bureaus are govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because according to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Furthermore in regards to these accounts below : the " date opened '' dates do not match across the 3 bureaus. In addition, multiple accounts with late payments have inaccuracies in regards to how many days late these accounts were paid. For example, many are reported being 30 days late on 1 credit bureau but that same account is being reported as 60 days late on another credit bureau. How can this be?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note these are not the full account numbers. They contain XXXX at the end of each and will not be given here in order to protect my personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23464 | null | Consent provided | Web | 2023-07-25 | Closed with non-monetary relief | Yes | null | 7,302,612 |
2021-07-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Equifax is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner. | null | EQUIFAX, INC. | CA | 92879 | null | Consent provided | Web | 2021-07-26 | Closed with explanation | Yes | null | 4,575,647 |
2017-03-13 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | They ( the original creditors ) refused to provide the original resciepts for me to keep for my records and to make sure they are n't over charging me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FAIR COLLECTIONS & OUTSOURCING, INC. | MA | 01843 | null | Consent provided | Web | 2017-03-15 | Closed with explanation | Yes | No | 2,385,188 |
2023-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE!
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. | DE | 198XX | null | Consent provided | Web | 2023-06-26 | Closed with non-monetary relief | Yes | null | 7,167,427 |
2022-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$440.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXXXXXX Balance : {$330.00} XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX Balance : {$220.00} XXXX XXXXXXXX Balance : {$210.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93309 | null | Consent provided | Web | 2022-07-20 | Closed with non-monetary relief | Yes | null | 5,792,798 |
2019-12-01 | 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 | After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I am enrolled in Experian 's credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score.
I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to XXXX XXXX before the Chapter XXXX bankruptcy has gone of my report. I'm confused. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 949XX | null | Consent provided | Web | 2019-12-01 | Closed with explanation | Yes | null | 3,455,073 |
2022-09-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The CRA known as Equifax has been reporting unlawful information on my credit report. As of XXXX of this year ( 2022 ), they began reporting late monthly payments of {$510.00} on my XXXX XXXX XXXX account. I reached out to Equifax by mail to dispute these late payments on my account. Equifax concluded that their reporting was correct and verified, even though they did not have my written consent to to add these findings ( late payments ) to my credit report in the first place. Never did I sign an SSA-827 form that authorized either parties to assemble any documents/reports with my information. In this case I believe that Equifax was/is committing fraud according to 15 U.S. Code 1681b that states that Equifax needs my written consent to make or update any findings on my credit report. | null | EQUIFAX, INC. | CA | 93230 | null | Consent provided | Web | 2022-09-24 | Closed with explanation | Yes | null | 6,013,124 |
2023-04-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This account was related to my XXXX XXXX XXXXXXXX credit. I am disputing the inaccurate information listed on my XXXX and Experian credit reports. XXXX XXXX XXXX is the reporting party for XXXX XXXX XXXXXXXX has sent inaccurate info to the two listed Bureaus.
I will list the inaccurate information topics that are on my credit report.
My report has : Date of last activity : XXXX has a date ofXXXX Experian has the date of XX/XX/XXXX Date account opened : XXXX has a date of XX/XX/XXXX Experian has the date of XX/XX/XXXX Date account closed XXXX has a date of XX/XX/XXXX Experian has no date Neither XXXX or Experian have a First date of Delinquency I have spoken to XXXX XXXX XXXX XXXX XXXX as both XXXX and Experian to discuss the inaccurate info on my credit report. I would like the account to be deleted or to be changed to paid as agreed with no late payments. I have asked XXXX XXXX XXXX to send me the documentations containing the above listed dates with regards to the above topics. In talking to XXXX XXXX XXXX I was verbally advised that dates are different with the two bureaus but that is based solely on credit bureaus inputting. I spoke to both bureaus and they advised me that they only input the info given to them. I would like to know why dates of the above topics are different with each bureau. I have attempted to fix the issue with all parties involved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90250 | null | Consent provided | Web | 2023-04-04 | Closed with explanation | Yes | null | 6,795,180 |
2023-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act, this creditor has violated my rights.
Under 15 USC 1681 section 602 states that I have the right to privacy.
15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer plan as late for any purpose. | null | GOLDMAN SACHS BANK USA | TX | 75241 | null | Consent provided | Web | 2023-07-11 | Closed with explanation | Yes | null | 7,232,781 |
2022-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account : XXXX, XXXX XXXX Account : XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92336 | null | Consent provided | Web | 2022-03-23 | Closed with non-monetary relief | Yes | null | 5,358,562 |
2022-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Accordance with the Fair Credit Reporting Act XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S, C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 335XX | null | Consent provided | Web | 2022-09-29 | Closed with non-monetary relief | Yes | null | 6,033,213 |
2021-12-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have previously disputed with XXXX, XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. | null | EQUIFAX, INC. | IL | 60641 | null | Consent provided | Web | 2021-12-29 | Closed with explanation | Yes | null | 5,053,455 |
2020-08-17 | Checking or savings account | Checking account | Managing an account | Problem accessing account | Beginning on XX/XX/2020 my debit card started being declined. I went to m online banking portal with Chase and I was able to confirm that my accounts had funds available. I then went to their secure messaging portal to see if there was an issue. There were no current notices indicating that there was any issue with my account. Assuming that the issue might be a bad chip I contact Chase over the phone to order a replacement debit card.
In the meantime, I had added someone to my account approximately 2 weeks prior. Their new debit card linked to the account had arrived, we activated the card, only to also have it be declined. This attempted use was on XX/XX/XXXX.
Following their card being declined I drove to my local branch. I spoke to a banker who informed me there was a " restriction '' on my account, but unlike what she normally sees it was not telling her what the restriction was. We called the corporate number, and at that time she and I were informed that it was a social security authorization issue. This struct me as odd, I had been in the branch two weeks prior and added someone to my account and provided my passport and other forms of identification. The banker under the instruction from the corporate line submitted the SSA form on XX/XX/XXXX with me at the branch.
As I was leaving she told me I should call corporate to confirm their receipt of the document and my account should be unrestricted in 1 day.
I called later that afternoon as instructed because I was preparing to go out of town. The gentleman I spoke to was initially not able to find the completed form, but ultimately found it. He then informed me that I would not have my accounts unrestricted for 2-4 days. This left me without access to any funds once again. I had been without access to my account since the XXXX, it was now the XXXX and with a weekend in there I was unlikely to have access to my accounts before XX/XX/XXXX. In the meantime, I could see the funds in my account, and autopays were being rejected.
When I informed him that this was having a detrimental effect on me personally as well as financially, he told me he could override it and I could go to a local branch to make a withdraw. He attempted to call several of the neighboring branches and was unsuccessful at getting in contact with any of them. Inaccessible phone lines is also something I have encountered with Chase. He finally reached a branch that was approximately 25 minutes away. At this point, I had taken a majority of the day off work, and was not able to drive to that branch in time.
Over the weekend, on Saturday, XX/XX/XXXX my new debit card arrived. I tried to log onto my online banking portal and was unable to do so. As of Monday, XX/XX/XXXX my account was still not accessible and my card was still not working. I called Chase 's corporate hotline once more, only to be informed that as of XX/XX/XXXX my account had been automatically closed.
They indicated that I should have received a letter in the mail on XX/XX/XXXX informing me that I had 48-hours to authenticate my Social Security Number. Since I failed to do so, the account was closed on the XXXX. My savings and checking account had been cleared out and the remaining balance would be mailed to me on XX/XX/XXXX and it would take 5-7 business days for this to arrive. The aforementioned letter was not received. I have informed deliver activated on my mail, and between XXXX XXXX I have no indication of letters received from Chase. Additionally, when I inquired as to why no notice was sent to me through the secure messaging system regarding this issue they said it could only be handled through the mail. However, even if the matter could only be addressed in the mail, a notice informing me to look for time-sensitive mail would have been the very minimum of courtesy they could have extended. Finally, requiring a 48-hour response to something sent through the mail is an unfair business practice.
Additionally, as the timeline above shows, XXXX told me this morning that my account was closed on the XXXX. So why when I appeared on the XXXX was I told to fill out the form, which they submitted and I would be set in a few days? XXXX also ackowledged that this situation was mishandled and opened an internal Chase complaint on my behalf. Chase Complaint ID XXXX I now find myself without access to any of my money. The check will not be mailed until XX/XX/XXXX so the earliest I expect to see it is XX/XX/XXXX. Autopayments are being returned due to lack of funding, and every penny I own is being mailed to me. There is no way to ensure that that check will arrive. I would have never, ever chosen for it to be mailed. When I inquired if I could just go to a branch to get my money since the check has not yet been mailed, I was told no, the accounts were closed and nothing could be done. This is monstrous and unethical behavior. The branch and the corporate office have no idea what is happening between them, unprofessionalism and lack of empathy abounds. | null | JPMORGAN CHASE & CO. | UT | 84604 | null | Consent provided | Web | 2020-08-17 | Closed with explanation | Yes | null | 3,800,519 |
2016-06-22 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I have disputed the Midland Funding Account with XXXX and with Midland Funding. XXXX stated that Midland Funding verified that this account belongs to me. This is seemingly impossible since this account do not belong to me. Perhaps this account was placed on my credit file in error or it resulted from identity theft. In any case this is not my account. I need your assistance in getting this matter resolved. | null | ENCORE CAPITAL GROUP INC. | GA | 30052 | null | Consent provided | Web | 2016-06-22 | Closed with explanation | Yes | No | 1,980,924 |
2021-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 30 days. | null | EQUIFAX, INC. | WV | 25801 | null | Consent provided | Web | 2021-09-13 | Closed with explanation | Yes | null | 4,715,267 |
2020-12-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I don't believe that I had this account with these collectors/creditors. I tried a few times to get in contact with them and request ownership proof, but they failed to give me the important paperwork to prove that I actually own this record. | null | PORTFOLIO RECOVERY ASSOCIATES INC | FL | 33071 | null | Consent provided | Web | 2020-12-24 | Closed with explanation | Yes | null | 4,030,913 |
2020-10-19 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | On Friday XX/XX/XXXX, I deposited my paycheck at an ATM - I noticed it was taking a long time to clear so I called the bank one week later on XX/XX/XXXX, and spoke with their representative XXXX who told me they could not verify the check so they have placed an extended hold on the check and that it will not be available until XXXX XXXX on XX/XX/XXXX! Which is 12 days ( or 8 business days if you account for weekends ) - I am just trying to pay my bills- so I asked my boss Mr XXXX and he checked and found out Santander bank my bank received the funds on XXXX XXXX so I believe XXXX misrepresented this information to me, lied if you will. Then I received a written notice from Santander yesterday in mail that again said they could not verify the check! And that they will release the funds in 6 days. - I have a pending complaint against Santander with your organization and I am concerned they may be retaliating against me- apparently during the rather unpleasant conversation I had with XXXX urging which she advised me if I was not able to give her the copious verification information which she asked for I could go to the branch bank ( she is aware that the branch banks are closed for covid! ) then apparently she added 2 days to the time that the check was scheduled to be cleared ( 6 business days ) j have kept my written notice of the 6 days and my previous complaint is # XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SANTANDER BANK, NATIONAL ASSOCIATION | PA | 178XX | null | Consent provided | Web | 2020-10-20 | Closed with explanation | Yes | null | 3,905,428 |
2022-08-01 | 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 | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Validate Account Account Number : XXXX Please remove it from my credit report.
3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. | null | EQUIFAX, INC. | FL | 33311 | null | Consent provided | Web | 2022-08-01 | Closed with explanation | Yes | null | 5,831,297 |
2022-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I have disputed XXXX XXXX XXXX XXXX XXXX with Experian several times each time Experian has changed the account status both creditors have been reporting under XXXX XX/XX/XXXX which does not exist I have told Experian several times XXXX XXXX XXXX was never my address and Experian refuses to remove the address and any creditor that is reporting under that address both creditors we're reporting under a bankruptcy a few months ago the bankruptcy was removed and Experian did not remove the creditors reporting under the bankruptcy they changed both account statuses XXXX XXXX XXXX XXXX XXXX have always report under XXXXXX/XX/XXXX and Experian has always refused to remove any address that does not belong to me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53227 | null | Consent provided | Web | 2022-02-04 | Closed with explanation | Yes | null | 5,164,223 |
2022-09-27 | 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 this creditor has violated my rights under 15 usc 1681 602 states I have the right to privacy 15 usc 1681 604a 2 also states a consumer reporting agency can not furnish an account without my written instruction. 15 usc 1666b a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose. | null | Global Lending Services LLC | OH | 44094 | null | Consent provided | Web | 2022-09-27 | Closed with explanation | Yes | null | 6,026,504 |
2020-01-15 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Attempted to call agency that has active collection open., and was advised to send dispute letter which I did and provide current address. | Company believes it acted appropriately as authorized by contract or law | Rothman Evans, P.C. | NY | 132XX | null | Consent provided | Web | 2020-01-15 | Closed with explanation | Yes | null | 3,496,721 |
2021-03-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Wage garnishments twice for the same debt Never received documents | null | ENCORE CAPITAL GROUP INC. | GA | 31015 | null | Consent provided | Web | 2021-03-01 | Closed with explanation | Yes | null | 4,173,668 |
2021-06-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2021 I sent a letter regarding an accurate and unknown thing 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. | null | EQUIFAX, INC. | DE | 198XX | null | Consent provided | Web | 2021-06-04 | Closed with explanation | Yes | null | 4,430,863 |
2023-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10029 | null | Consent provided | Web | 2023-04-11 | Closed with non-monetary relief | Yes | null | 6,823,051 |
2023-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | GA | 30040 | null | Consent provided | Web | 2023-04-03 | Closed with non-monetary relief | Yes | null | 6,790,116 |
2022-05-03 | Debt collection | Other debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | My mother was contacted by an XXXX representative on XX/XX/2022 who shared my private information. XXXX claimed to be a mediation company contracted by Plaza Services, the lender who now owns the fraudulent loan.
The companys name is XXXX, and the representative told my mother that I owed bad debt, and that arbitrary action would be taken by XXXX pm eastern time if I did not contact them. The representative also told my mother that this debt was not fraudulent, and payments had been made. I have been in the process of disputed this debt as fraudulent since my identity was stolen in the XXXX breach. I have no knowledge of making payments which further complicates the issue. Under the law, I believe this falls under bad communication tactics. | null | BTH Management | MO | 63130 | null | Consent provided | Web | 2022-05-03 | Closed with explanation | Yes | null | 5,533,722 |
2023-04-12 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.
See the documents attached. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | WI | 53220 | null | Consent provided | Web | 2023-04-12 | Closed with non-monetary relief | Yes | null | 6,827,961 |
2020-12-26 | Checking or savings account | Other banking product or service | Managing an account | Problem using a debit or ATM card | I had to contact y'all about the disputes I had filled, and they keep telling me they are still reviewing its been a whole week that they are still saying the claims numbers are XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX I want y'all to proceed all my disputes and credit me back a total of {$720.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | PA | XXXXX | null | Consent provided | Web | 2020-12-26 | Closed with explanation | Yes | null | 4,031,862 |
2021-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved. | null | EQUIFAX, INC. | MD | 21221 | null | Consent provided | Web | 2021-06-10 | Closed with explanation | Yes | null | 4,450,792 |
2019-12-18 | Debt collection | Other debt | False statements or representation | Indicated you were committing crime by not paying debt | I had this service in XXXX Ive had it dropped twice now and they keep putting it on my credit with a different date. Its Diversified Consultants/XXXX XXXX for {$330.00}. They say it was opened in XXXX which is completely false. I want this removed for good! | null | Diversified Consultants, Inc. | OK | 730XX | null | Consent provided | Web | 2019-12-18 | Closed with explanation | Yes | null | 3,471,166 |
2021-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The bureaus are reporting erroneous items on my credit. I had previously filed a dispute and have been for months now and have yet to see any letters or changes to my credit. I have attached the letters that I most recently sent. Please send me results immediatley. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85207 | null | Consent provided | Web | 2021-05-27 | Closed with explanation | Yes | null | 4,411,333 |
2023-08-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | According to 12 CFR 1016.1- Purpose and scope. ( a ) Which governs the treatment of nonpublic personal information about consumers by financial institutions this company is only compliant with only 2 out of the 3 requirements under this section. They are in noncompliance of ( a ) ( 3 ) which states that they must provide a method for consumers to prevent a financial institution from disclosing NPI to non-affiliated 3 parties ( ex : consumers reporting agencies ) by opting out of that disclosure.
I never received such notice that was clear an conspicuous to me being advised that I had the right to opt out of the release of my XXXX. The company has verbally stated that an optout notice for their company does not exist. They refuse to put it in writing .If an optout notice does exist one has not been presented to me and to it didn't not follow the lawful guideline outlined in 12 CFR 1016.3 ( b ) Definitions ( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations.
Nor did it follow the lawful guidelines below ( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information.
Their website is also void of notices which is also noncompliance of ( iii ) Notices on Web sites. If you provide a notice on a Web site, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the Web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature, and relevance of the notice.
They are also in noncompliance of 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice That accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than When you establish a customer relationship, except as provided in Paragraph of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic Personal information about the consumer to any nonaffiliated third party They are also in noncompliance with 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your Consumers that accurately explains the right to opt out under that section. The Notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal Information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt Out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to Exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant Forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case Of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes The address to which the form should be mailed ; Provide an electronic means to opt out, such as a form that can be sent Via electronic mail or a process at your Web site, if the consumer agrees to The electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt Out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means Of opting out if : ( A ) The only means of opting out is for the consumer to write his or her Own letter to exercise that opt out right ; or ( B ) The only means of opting out as described in any notice subsequent to The initial notice is to use a check-off box that you provided with the initial Notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumers opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right t
o opt out at any time Nothing stated in the notice followed these guidelines for me to easily opt out of you sharing my non public personal information with an unaffiliated 3rd party. Send me a notice. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28401 | null | Consent provided | Web | 2023-08-10 | Closed with non-monetary relief | Yes | null | 7,380,874 |
2021-05-14 | Debt collection | Medical debt | Written notification about debt | Didn't receive enough information to verify debt | Good evening, I submitted a dispute in regards to collection accounts on my credit report from Wakefield Collection Agency. When you replied back to me on XX/XX/2021 they provided a spreadsheet with numbers on there to supposedly confirm the amounts that I owe. To show you how shady they are and how they play with consumers credit they removed the accounts off my credit reports ( all 3 ). Then now they have added them back on there and I have proof because I check my credit frequently plus I get notifications when something changes. This proves my point that they are fraudulent and play games with individuals lives. I want this removed from my credit reports immediately ( all 3 ) and I want them to held accountable for doing this to citizens when they feel like it. The only resolution that needs to happen is they remove this and send me a letter indicating they will not attempt to keep adding this back on my credit. Im also going to contact each credit bureaus and show them how they are playing games as well. If this is not taken care of I dont mind going to the media to make it know how collection agencies need to be held accountable for the reprehensible behavior tactics used to ruin peoples lives and livelihoods. If you need proof I have it showing how they removed it once I filed with you and now have placed the same info back out there and this is unacceptable. | null | WAKEFIELD & ASSOCIATES, INC. | GA | 30038 | null | Consent provided | Web | 2021-05-14 | Closed with explanation | No | null | 4,378,391 |
2023-03-29 | 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX : XXXX has all 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. | CA | 92110 | null | Consent provided | Web | 2023-03-29 | Closed with explanation | Yes | null | 6,771,148 |
2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I did not authorize nor consent to the following inquires | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 080XX | null | Consent provided | Web | 2022-12-06 | Closed with non-monetary relief | Yes | null | 6,289,112 |
2022-12-20 | 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 XXXX XXXX XXXX Accounts listed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. section 602 states I have the right to privacy.
15 U.S.C 1681 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 reporting 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 consume reporting agency if the person knows of 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. | NJ | 075XX | null | Consent provided | Web | 2022-12-20 | Closed with non-monetary relief | Yes | null | 6,345,072 |
2022-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX, XXXX XXXX have violated my consumer rights.
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.
15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | null | EQUIFAX, INC. | NJ | 076XX | null | Consent provided | Web | 2022-09-10 | Closed with explanation | Yes | null | 5,968,744 |
2019-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Transunion is reporting incorrectly a charged off account and a 30 days past due on XXXX - partial account number XXXX. ( Please see pages 23 and 24 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. XXXX and XXXX are reporting these accounts correctly. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76502 | null | Consent provided | Web | 2019-05-06 | Closed with explanation | Yes | null | 3,233,478 |
2023-03-03 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.
See the documents attached. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19121 | null | Consent provided | Web | 2023-03-03 | Closed with explanation | Yes | null | 6,645,363 |
2023-01-07 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | This debt is not mine and I am disputing it in its entirety. I am requesting debt validation.
The letter I received doesnt include a date that shows when it was written or sent to me. According to 12 CFR Part 1006.34 ( c ) ( 2 ) ( vi ), they were supposed to provide me with the itemization date / transaction date and they did not. The letter does not specify what the alleged debt is for, how it was calculated, or shows any proof that debt is in fact mine. ( See attachment ).
Once again, I am requesting proper debt validation along with the name and address of the original creditor.
A letter has been sent to this company via certified mail and has been received. | null | Ascension Recovery Management | CA | 91710 | null | Consent provided | Web | 2023-01-07 | Closed with explanation | Yes | null | 6,405,349 |
2022-11-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any other adverse items 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. | null | EQUIFAX, INC. | PA | 190XX | null | Consent provided | Web | 2022-11-10 | Closed with explanation | Yes | null | 6,197,357 |
2023-04-21 | 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 | Around XXXX of XXXX, my mortgage loan was acquired by XXXX XXXX. During this process, an error occurred with my account balance which effected my payments. I constantly called XXXX XXXX for months to see what could be done and for updates to be given to be. Every time, I was instructed to wait for a communication through the mail. This not only was during the pandemic, but a natural disaster ( hurricane ) that hit my area in XXXX of XXXX. Communication was very poor from the beginning. When I called customer service, no one could help me, and it took months of receiving incorrect balance statements and XXXX XXXX having to re-run analysis checks on my account to remedy this issue. When I inquired about forbearance while speaking to a customer service representative on one of my many calls with them, I was told that I could file if I've experienced a loss of income. I told them this was not my concern as I was still employed at the time. They then told me to continue to look out for communication through the mail. By the time I received the corrected statements in XXXX of XXXX, XXXX XXXX reported late payments to the credit bureaus for the months of XXXX, XXXX, XXXX, and XXXX of XXXX. I made multiple payments to the company from between the months of XXXX - XXXX of XXXX, including late fees that were added to the account.
I have been battling with efforts to have these marks removed from my credit report since the end of XXXX, constantly reaching out to XXXX XXXX and filing disputes with the credit bureaus, even disputes that were filed by customer service reps within the company. Every time a dispute has been opened, XXXX reports the marks as accurate due to the payments not being received on the XXXX of the month during this time. No one has taken a look as to why this happened or even owned up to the mistakes made on their end ( multiple statements sent with incorrect balance summaries ).
I have been trying to get someone who could properly assess the issue, but to no avail. I have sent multiple emails to customer care and also the loss and mitigation department. No one has responded or replied to any of my emails. Recently on XX/XX/XXXX, I spoke to a rep from the loss and mitigation department that told me that the proof I sent ( checks on my bank statements I emailed to XXXX back in XXXX ) weren't enough to have someone assess the situation. They needed a copy of the checks, front and back, the bank statements, and a copy of my credit report. Why am I being told this now? Every time I speak to someone, I am given different instructions, yet, the marks still have not been removed from my report.
I inquired about the notes that have been kept since dealing with the issue, and it seems as though none of my concerns have been escalated by XXXX XXXX. For example, none of my emails have been addressed, not even through the letters I've received in the mail. Also, a rep. that I've recently spoken to told me that 1 ) I should've been given a grace period of 3 months before making payments after my loan was acquired by the company and 2 ) I could have filed for forbearance even though I was still employed, but unfortunately, they can't retroactively submit a request for it now. As for having the marks removed from my credit report, I was told by another rep that I've missed the time period to have these marks removed. However, on their website, it says otherwise, and yet again, I was not informed of a deadline for XXXX to make corrections to credit reports.
I have constantly been misled by XXXX XXXX reps on having this issue resolved, and I've tried to be cooperative. | null | EQUIFAX, INC. | LA | 708XX | null | Consent provided | Web | 2023-04-21 | Closed with explanation | Yes | null | 6,873,555 |
2019-09-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I don't recognize this account and inquiries. I never applied for it, I don't have any contracts or agreements with this company. I was victim of Identity Theft, somebody stole my personal information to open credit cards. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33029 | null | Consent provided | Web | 2019-09-20 | Closed with non-monetary relief | Yes | null | 3,381,029 |
2018-04-28 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | Refusal of credit to firearm related businesses.
As a Bank of Amrica credit card holder for more than 20 years, I find it deeply troubling that Bank of America is choosing to discriminate against businesses that are legally and lawfully operating a firearm related business. I also find it deeply troubling that this company, which is part of the same industry that nearly wrecked our country 's economy in 2008 due to their greed induced mortgage practices- that required the nations largest bail out in history, are now refusing to extend credit to those businesses that meet the company 's financing underwriting but do not agree with their political views.
I am a firearm owner, and regularly use my Bank of America credit card to complete firearm related transactions. Although, I have not yet had my card declined due to the classification of the item I am purchasing, if Bank of America can discriminate extending credit to a firearm related industry company, what would stop them from extending credit to a me, as a consumer, for a making a legal and lawful firearm related purchase? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MO | 64068 | null | Consent provided | Web | 2018-04-28 | Closed with explanation | Yes | null | 2,890,269 |
2022-04-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | NATIONAL CREDIT SYSTEM Original creditor : VXXXX XXXX XXXXXXXX XXXX {$3500.00} Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection I have spoken with this company and was told they would send me proof of this contract as I am not aware of this collection and this needs to be removed from my credit report and have not received a written response over 30 days as requested. | null | National Credit Systems,Inc. | GA | XXXXX | null | Consent provided | Web | 2022-05-05 | Closed with explanation | Yes | null | 5,452,778 |
2019-12-10 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting. | null | DISCOVER BANK | PA | 15090 | null | Consent provided | Web | 2019-12-11 | Closed with explanation | Yes | null | 3,464,550 |
2023-01-02 | 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 | 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 I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | null | EQUIFAX, INC. | MD | 20745 | null | Consent provided | Web | 2023-01-02 | Closed with explanation | Yes | null | 6,385,691 |
2022-11-05 | 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 | o not have any account with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - I HAVE NO ACCOUNTS FOR THESE INQUIRIES AND WOULD NOT CONSTANTLY RUN MY CREDIT, WHICH WOULD RESULT IN A BAD SCORE I AM ALSO UNABLE TO ACCESS MY EQUIFAX ACCOUNT AND XXXX, THEY HAVE MADE IT IMPOSSIBLE TO LOG IN Credit Inquiries Credit Inquiries - Summary Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NV | 89084 | null | Consent provided | Web | 2022-11-05 | Closed with explanation | Yes | null | 6,172,838 |
2023-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have disputed the attached account multiple times and have reached out to XXXX to remove this from my credit due to reporting inaccurately. I have circled all inaccuracies and attached it to this request. The account is reporting incorrect information, this account has been paid in full. I made contact with XXXX to make the correction, they said they would correct it but did not. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32570 | null | Consent provided | Web | 2023-06-23 | Closed with non-monetary relief | Yes | null | 7,160,255 |
2020-02-20 | 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 ' not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX ' not mine XXXX XXXX ' not mine | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 64134 | null | Consent provided | Web | 2020-02-20 | Closed with explanation | Yes | null | 3,538,434 |
2018-06-06 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | As of XX/XX/XXXX, I have been continuously trying to resolve my son 's identity and fraudulent account. I repeatedly tell them on the phone that my son is XXXX as of now and the account was opened when he was probably XXXX. He was born in XX/XX/XXXX, not XX/XX/XXXX like they have stated. The person who stole his identity is incarcerated for running a identity theft scamXXXX XXXX XXXX XXXX XXXX. the original creditor has summoned XXXX XXXX XXXX and they are unbearable, rude and will not stop calling, sending threatening letters to a minor. | null | ENCORE CAPITAL GROUP INC. | MI | 480XX | null | Consent provided | Web | 2018-06-06 | Closed with explanation | Yes | null | 2,929,084 |
2023-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | told me informations on all three bureaus are correct but its not all have conflicting accounts | null | EQUIFAX, INC. | WI | 53210 | null | Consent provided | Web | 2023-01-26 | Closed with explanation | Yes | null | 6,491,488 |
2021-01-05 | Credit card or prepaid card | Government benefit card | Trouble using the card | Trouble using the card to spend money in a store or online | Before I received the card I called customer service to get an estimate on when I would receive the card in the mail, I verified all my information correctly and was told subsequently that my account was locked due to the phone number not being registered under my name. I told them at the time I signed up for unemployment I couldnt afford to pay my phone bill and used my roommate number as it was the best way to reach me at the time. They told me that my account would be closed until I provided a valid ID. I dont have an ID as I was evicted and moved to a motel and around during the hardship and had my wallet stolen with all my things at such motel. DMV is backed up for the next 5 months in my area and I barely have money to eat let alone pay for any fees. I was counting on my unemployment to get out of this hole but now way2go is punishing me for not having a phone under my name. I can see if I gave the wrong information but I didnt. I really dont know what to do do at this point and hope this agency can help me access my funds as it is my last chance. Thank you | null | Conduent Incorporated | VA | 23234 | Servicemember | Consent provided | Web | 2021-01-05 | Closed with explanation | Yes | null | 4,047,597 |
2023-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Dear Sir/Madam, I am writing to dispute the accuracy of the information contained in my credit report from TransUnion LLC . I have reviewed my credit report and found that there are violations of the following federal laws : 1. 15 U.S. CODE 1666B TIMING OF PAYMENTS : My credit report indicates that I have made late payments on my accounts. However, I have always made my payments on time. The information on my credit report is inaccurate and is damaging my
credit score. 2. 15 U.S. CODE 1666 CORRECTION OF BILLING ERRORS : I have identified several errors on my credit report, including incorrect account balances and missed payments. I have attempted to dispute these errors with the creditor, but they have not corrected them. This is a clear violation of the law. 3. 15 U.S. CODE 1681B PERMISSIBLE PURPOSES OF CONSUMER REPORTS : My credit report has been accessed by companies without a permissible purpose. This is a violation of my privacy rights and the law.
I am requesting that TransUnion LLC promptly investigate these violations and make the necessary corrections to my credit report. I would like to request a copy of my updated credit report and a written confirmation that the corrections have been made. Additionally, I request that TransUnion LLC provide me with the names and addresses of all parties who have received my credit report without a permissible purpose. Thank you for your prompt attention to this matter.
Sincerely, 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. | VA | XXXXX | null | Consent provided | Web | 2023-04-09 | Closed with explanation | Yes | null | 6,812,428 |
2021-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XX/XX/XXXX submitted dispute regarding bankruptcy and ask the company how they verified the item. XXXX XXXX didn't have the information on file and transunion stated that's who they verified with. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30296 | null | Consent provided | Web | 2021-09-01 | Closed with explanation | Yes | null | 4,683,965 |
2018-06-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX XXXX XXXX, XXXX don't have the required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. I told XXXX XXXX XXXX, XXXX Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and they told me no. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report and they told me they don't have it. XXXX XXXX XXXX, XXXX failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If XXXX XXXX XXXX, XXXX are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. | null | EQUIFAX, INC. | TX | 77469 | null | Consent provided | Web | 2018-06-07 | Closed with non-monetary relief | Yes | null | 2,926,753 |
2023-06-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I submitted a letter to the Credit Bureaus to delete these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again.
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. | TX | 78852 | null | Consent provided | Web | 2023-06-28 | Closed with explanation | Yes | null | 7,172,095 |
2020-05-07 | 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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29016 | Servicemember | Consent provided | Web | 2020-05-07 | Closed with explanation | Yes | null | 3,641,777 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Hi my issue is someone applied for several unauthorized accounts in my name XXXX being one of them rather then treating me like a customer ( victim of identity theft ) /consumer they had sarcasm because I didnt catch it sooner even after I explained what happened with my loosing my mobility and filed all the proper paperwork I just want the issue resolved and off my credit report now because this happened to prevent any in the future I have credit monitoring and put a fraud alert on my credit profile | null | Experian Information Solutions Inc. | NC | 28115 | null | Consent provided | Web | 2023-09-07 | In progress | Yes | null | 7,508,714 |
2022-09-22 | Checking or savings account | Checking account | Managing an account | Problem accessing account | I enrolled in a graduate program overseas and needed to open a special bank account in XXXX called a " Blocked Account '' which is mandatory from the XXXX XXXX.
I made a transfer last year in the amount of around {$12000.00} last year from Chase Bank who I have been a customer with for 6 years. Then when I needed to make another wire transfer this year to fulfill the XXXX XXXX 's requirement for foreigners, Chase, without warning, froze my account. I found out because I checked my mobile banking app and attempted to transfer money to another bank account that I keep overseas while I'm here. No transfer could be made.
When I called, they told me my account was restricted and I wasn't allowed to withdraw or transfer any money. Then when I asked why, they refused to tell me saying I'll have to wait for a letter in the mail explaining everything, then when I told them they sent it to the wrong address, they said it's too bad and I need to go into a bank to withdraw my funds. But I live in XXXX and there's no branches. Plus I can't purchase a plane ticket back to the states because they're refusing me any withdraw or transfer or purchase with my money.
Whenever I talk to them, they're incredibly rude to me, they speak poor XXXX, and are incredibly evasive. They refuse to help me, especially one employee named XXXX who kept gaslighting me and trying to convince me that I'm crazy, I don't know what I'm talking about and that I should sue Chase Bank but not him.
I want my money. I have over {$70000.00} of my own money that I worked hard for and kept with Chase Bank and they are refusing to give me access to my own money, but their own employees like XXXX think I should fly back to the states and pay for a plane ticket back to XXXX somehow when Chase Bank illegally froze my account without my permission or without notice. They refuse to transfer my money to another bank. They refuse to unrestrict it temporarily and let me transfer it out.
I think from the way XXXX acted with me as well as the other very evasive and suspicious employees in the " Fraud Department '' at JPMorgan might have falted on other customer 's assets and are using my money to fill the empty assets of failed investments from other accounts. It's possible, especially since XXXX was incredibly abusive of me and suggested I wait 1 year ( when I graduate in XXXX ) until I can access my money. This os my only option at this time because Chase is refusing to give me access to my own money. Chase stole my money while XXXX laughs at me and tells me to buy a plane ticket back to XXXX knowing i dont have access to my bank account because they shut off access.
I need to pay rent. I need to buy food. I might need a medical procedure soon that is partially covered by insurance. Chase Bank is stealing my money while XXXX bullies me and tells me there is no other option and that I should sue Chase Bank. | null | JPMORGAN CHASE & CO. | MD | 208XX | null | Consent provided | Web | 2022-09-22 | Closed with explanation | Yes | null | 6,007,502 |
2020-02-07 | Checking or savings account | Checking account | Managing an account | Problem making or receiving payments | On XX/XX/2020, I opened a checking account and deposited a {$300.00} check drawn off of XXXX XXXX. I was told that a 1 business day hold would be placed on the check and {$200.00} would be released and the other {$100.00} would be held for an additional day. I expressed that I need access to those funds and I could easily cash the check if the hold was going to be longer. I was assured by branch personnel that the hold would not be long. At approximately XXXX XXXX after business hours, I received a hold notification stating my check would not be released until XX/XX/2020. I called the branch the next morning XX/XX/2020, and was informed that the hold was placed because the check could not be verified. I advised the branch that the bank was a small community bank in XXXX and they could verify the funds verbally. I was told that Bank of America does not verify funds verbally. However, the branch manager stated that she would look into this situation and get back with me ASAP. Additionally, I expressed to the branch that I detrimentally relied on the information and had I known there would be an extended hold I would have just went to XXXX XXXX and cashed the check. On XX/XX/2020, I called Bank of America 's customer service and spoke to several members. I was told by a manager of customer service, XXXX, that there was nothing that could be done regarding the hold. The hold would still be on the account and that the check could not be returned to me because it was already processed. Also, I was told that the check would not be released earlier. The manager advised me that even though I was told the check would be released after 1 business day, I should've know the check was going to be held longer because that information was stated in the 70 page disclosure handout given to me when i opened the account. In this instance I feel that Bank of America 's banking practices are deceptive and misleading and the information regarding my check violated Texas consumer laws. As stated earlier, I relied on the information the branch provided to my detriment and suffered dearly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | XXXXX | null | Consent provided | Web | 2020-02-07 | Closed with explanation | Yes | null | 3,524,077 |
2023-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose | null | EQUIFAX, INC. | IL | 60653 | Servicemember | Consent provided | Web | 2023-03-07 | Closed with explanation | Yes | null | 6,662,447 |
2021-02-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account balance is incorrect. This account is currently under litigation. Please remove and delete this account from my credit report.
Account Number XXXX Medical : XXXX Current Balance {$460.00} | null | EQUIFAX, INC. | WA | 98026 | null | Consent provided | Web | 2021-02-21 | Closed with explanation | Yes | null | 4,154,060 |
2022-03-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Fraudulent inquiries and inaccurate account information | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33881 | null | Consent provided | Web | 2022-03-26 | Closed with non-monetary relief | Yes | null | 5,370,608 |
2021-08-09 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was paid | Hi. Equifax and XXXX XXXX continue to report false information on my CBR about an auto loan that was paid via XXXX and my gap insurance in XX/XX/XXXX. Equifax even reported my balance at XXXX and a few months later reported a new balance. My car was totaled and I owe nothing. XXXX has continued to harass me and violate FDCPA and FCRA. | null | EQUIFAX, INC. | VA | 23321 | null | Consent provided | Web | 2021-08-09 | Closed with explanation | Yes | null | 4,613,377 |
2021-07-09 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I joined XXXX XXXX XXXX XXXX in XXXX. I was told it was for 2 years with a fee of XXXX $ to cancel, no more no less. So covid 19 comes around, and doctors say the gym isnt a good place to be. So on XX/XX/XXXX I reach and call customer service to cancel. I pay the XXXX $ and the remaining months balance and to the best of my knowledge it cancelled. So I get a collections notice on my XXXX credit report from XXXX ( XXXX XXXX XXXX XXXX ) saying I owe them XXXX $ starting from charges from XX/XX/XXXX. But I had already cancelled in XXXX of XXXX. I call the XXXX rep who confirms my email to cancel, but proceeds to tell me that my reason of job loss due to covid is NOT a valid reason to cancel my membership. Why do I need a reason this company sees as valid in order to cancel my membership? Isnt this a free country? And again I paid the XXXX $ Cancel fee and any other balances back in XXXX of XXXX, this was confirmed by the XXXX rep I spoke to. But again, the XXXX rep stated my reason is not valid. She then states the only reasons you cancel include things like death, disability or relocation. But not job loss due to covid. This is ridiculous and frivolous! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Aargon Agency, Inc. | NV | 89052 | null | Consent provided | Web | 2021-07-09 | Closed with explanation | Yes | null | 4,529,403 |
2019-01-04 | Checking or savings account | Savings account | Opening an account | Didn't receive terms that were advertised | I opened a Capital One 360 money market account, which had a bonus offer of $XXXX if you deposited $XXXX before XX/XX/2018. I satisfied those conditions, and was expecting to receive the bonus 60 days after the terms were met, per the terms of the bonus conditions. I never received the bonus, and upon calling them, they told me because I didn't leave the money there, I would not get the bonus. Nowhere in the terms does it state that I needed to leave the money there, no time frame on how long, etc. Simply that I must deposit $XXXX by XX/XX/2018. | null | CAPITAL ONE FINANCIAL CORPORATION | NJ | 07030 | null | Consent provided | Web | 2019-01-04 | Closed with explanation | Yes | null | 3,116,789 |
2023-06-14 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE XXXX XXXX FOCUS FIN XXXX FOCUS FIN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious FOCUS FIN XXXX FOCUS FIN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX | null | Palm Beach Credit Adjustors, Inc | FL | 33411 | null | Consent provided | Web | 2023-06-14 | Closed with explanation | Yes | null | 7,110,217 |
2020-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE | null | EQUIFAX, INC. | IL | 60617 | null | Consent provided | Web | 2020-12-14 | Closed with explanation | Yes | null | 4,008,867 |
2020-08-09 | Checking or savings account | Checking account | Managing an account | Problem making or receiving payments | I have been using the XXXX XXXX for over a year now and it helps me in times where my funds are, or will be low. It's a small loan, less than {$100.00}, with a less than {$5.00} service fee attached, and an option to leave a " tip '', which would be used to plant trees around the world. An option, meaning you aren't required to in order to receive money from XXXX. I have my account set up to automatically withdraw the amount I owe XXXX on payday. This app has always only deposited money into my account when I requested it, and has only ever automatically withdrawn from my account when I borrowed money. It was also always the agreed upon amount. I have never had an unauthorized transaction with this app. Now, PNC is not letting me connect my account. I understand it's for their customers safety however, the XXXX XXXX does not need protection from. This happened today, XXXX, and PNC has disconnected my account without my permission about 4 times throughout the past year. I was able to reconnect it myself in the past, but today I was directed to the CFPB. | null | PNC Bank N.A. | PA | 183XX | null | Consent provided | Web | 2020-08-09 | Closed with explanation | Yes | null | 3,786,650 |
2020-07-23 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Unexpected increase in interest rate | Major banks ar denying applications to 0 % interest balance transfer offers ( before the pandemic they were readily available ), Si now the current rates are 27 % Agregious and loan sharking People are hurting and banks are rolling in the $ | null | AMERICAN EXPRESS COMPANY | CA | 91910 | null | Consent provided | Web | 2020-08-12 | Closed with explanation | Yes | null | 3,760,301 |
2023-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33016 | null | Consent provided | Web | 2023-01-04 | Closed with explanation | Yes | null | 6,399,083 |
2022-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28262 | null | Consent provided | Web | 2022-08-05 | Closed with non-monetary relief | Yes | null | 5,849,613 |
2021-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | NY | 11219 | null | Consent provided | Web | 2021-07-13 | Closed with explanation | No | null | 4,487,984 |
2017-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to Equifax, XXXX, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back asXX/XX/XXXX I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests.
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Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX # XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX equifax mortgage services-XX/XX/XXXXAs you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help. | null | EQUIFAX, INC. | AL | 36526 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,557,074 |
2023-08-02 | 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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again.
XXXXXXXX XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXX : {$340.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 22206 | null | Consent provided | Web | 2023-08-02 | Closed with explanation | Yes | null | 7,338,872 |