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customers-complaints-train

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2022-09-03

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

NJ

07003

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2019-09-06

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

I regularly received solicitation from Huntington Bank for opening an account. They always ask for direct deposit. On XX/XX/2018 I received an offer to open an account with them and deposit at least {$1000.00} within 60 days and I would receive a {$200.00} bonus in my account. Well after I made the deposits I never received my bonus. I contacted the company service line and I was told that my account did not qualify. The rep said that I must have direct deposit of {$1000.00}. This was absolutely not true. The offer clearly stated deposit not direct deposit. I had been receiving offers from them and this one did not mention direct deposit. I feel like Huntington Bank defrauded me into getting a checking account with them. They used false advertising and defrauded me into doing business with them. I have attached a copy of the ad. At the bottom it clearly states no direct deposit needed.

HUNTINGTON NATIONAL BANK, THE

MI

49001

Servicemember

Consent provided

Web

2019-09-06

Closed with monetary relief

Yes

2022-04-20

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

Credit reporting

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

Investigation took more than 30 days

I sent letters out to the Dept Of ED XXXX XXXX XXXX & I don't owe anything with this account both companies can not locate an account for me I want this company to remove their negative reports on my credit profile from all 4 credit reporting bureaus. Also, they have not responded back to me.

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

Experian Information Solutions Inc.

FL

33033

Consent provided

Web

2022-04-20

Closed with explanation

Yes

2022-04-26

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

Credit reporting

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

Investigation took more than 30 days

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

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

Experian Information Solutions Inc.

IL

60490

Consent provided

Web

2022-04-26

Closed with explanation

Yes

2022-03-31

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has Violated my Rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions. PLEASE REMOVE AT ONCE. XXXX XXXX XXXX Opened XXXX Closed XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX $ XXXX Account charged off. {$130.00} written off pass due as of XX/XX/XXXX XXXX XXXX XXXX Potentially Negative Date XXXX Balance XXXX Status/Paid, Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$2.00} Status/Account charged XXXX $ written off. {$2.00} past due as of XXXX XXXX XXXX XXXX I /Pontentially Negative Balance - Status Paid/Closed date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$650.00} XXXX Account charged off. {$450.00} XXXX XXXX $ XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$910.00} Status/Collection Account. {$910.00} past due XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} Status/Account Charged off. {$250.00} writtenoff. {$370.00} pa XXXX XXXX XXXX XXXX {$100.00} Status /Closed

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

Experian Information Solutions Inc.

TX

75098

Consent provided

Web

2022-04-01

Closed with explanation

Yes

2019-05-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Fraudulent account XXXX XXXX open XX/XX/XXXX Amount XXXX Fraudulent account XXXX XXXX open XX/XX/XXXX Amount XXXX

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

Experian Information Solutions Inc.

PA

19141

Consent provided

Web

2019-05-16

Closed with non-monetary relief

Yes

2021-08-10

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

Credit reporting

Incorrect information on your report

Personal information incorrect

My identity was compromised. I think it started from credit karma dot com. My account on credit karma was hacked, and the email address as well as the phone number was updated into some unknown ones. So I can't receive my account at all from their automatic recovery. The hacker has got my money from the bank, updated my personal info as well as started lots of fraudulent inquires on three credit bureau. I can't find any contact email or phone number from credit karmas website other than just self recovery process. I tried to create another account under my identity, but they even refused that as well. This is very bad experience from credit karma, and I didn't even receive any updates for someone trying to update my email or phone number. I hope credit karma had the real people to handle the issue like this.

Credit Karma, LLC

NY

11355

Consent provided

Web

2021-08-11

Closed with explanation

Yes

2021-03-26

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

Credit reporting

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

Was not notified of investigation status or results

I disputed an account explaining that it was inaccurate as there was different information being reported by each report bureau to which I know it was inaccurate. The last payment date is incorrect as well as the open date. I received no response from the copy stating what their resolution was. I also asked for a copy of my credit report each time. I disputed this account numerous times using screenshots to show how the inaccurate information violated the FCRA section XXXX & XXXX as nothing was consistently reporting. I asked for the account to be deleted by my request was simply ignored.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38018

Consent provided

Web

2021-03-26

Closed with explanation

Yes

2023-03-09

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I gave access to a person. I found out they were stealing. I had my son who is on the account to shut the card off. He went to the bank and told them to shut the card off it was fraudulent. They did not shut the card off. There was XXXX more dollars stolen. I believe I am owed the money plus interest for that money.

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

WELLS FARGO & COMPANY

SD

577XX

Consent provided

Web

2023-03-09

Closed with explanation

Yes

2018-06-15

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

In XX/XX/XXXX there were 2 unauthorized cash withdrawals being conducted in XXXX XXXX nearly 500 miles away. I became aware of these charges when my card was declined at XXXX XXXX in XXXX, CA where I live, and I received a text from XXXX XXXX regarding suspicious activity asking me to contact them. I called immediately and was told that there were 2 withdrawals, {$300.00} & {$260.00}, that were conducted in N. California. I explained to the rep that I had the card in my possession the entire time and did not share my card with anyone NOR was I anywhere near N. California. My card was closed and the rep filed the dispute on my behalf. A month and a half later I got a call from the bank asking for more info. I explained to that rep the same thing i had explained back in XXXX and they said they would let me know via mail. On XX/XX/XXXX, OVER 60 days AFTER I FILED MY DISPUTE, I received a letter from XXXX Bank saying that I benefited from the transactions and that I my dispute was denied. I was OUTRAGED!!! I called my credit card company immediately and they refused to provide me ANY documentation regarding the investigation, which is a violation of REG E and they said that I did not fill out the form correctly, since I didn't list the amounts. Rep named " XXXX '' refused to transfer me to a supervisor and stated she would not mail me any documentation regarding my dispute. This is outrageous!! My card was compromised and XXXX Bank is holding me responsible!!

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

SYNCHRONY FINANCIAL

CA

91702

Consent provided

Web

2018-06-15

Closed with non-monetary relief

Yes

2023-08-01

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/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ). The bank subsequently informed me that they were closing the account. On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}. On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect. I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final statement.

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

94404

Older American

Consent provided

Web

2023-08-01

In progress

Yes

2022-10-07

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

Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.

Sequium Asset Solutions, LLC

FL

32771

Consent provided

Web

2022-10-07

Closed with explanation

Yes

2018-07-14

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

Credit reporting

Incorrect information on your report

Account information incorrect

My complaint is both PHEAA and XXXX are reporting the status of an account with two different account numbers PHEAA # XXXX and XXXX # XXXX respectively, different dates, different balances? to all nationwide consumer reporting agencies. Additionally PHEAA continues to contact we and not my attorney who is currently handing my account via POA.

AES/PHEAA

NC

28227

Consent provided

Web

2018-07-14

Closed with explanation

Yes

2017-08-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Experian has failed to provide valid proof that they verified the accounts in dispute. I 'm filing a lawsuit for all the violations. By law you can not have accounts on my credit report that you can not provide signatures for once disputed. Unless removed I 'm suing for all violations. Please refer to documents attached.

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

Experian Information Solutions Inc.

CA

XXXXX

Consent provided

Web

2017-08-29

Closed with non-monetary relief

Yes

2023-04-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights. Account opened XXXX XXXX, 2022 for {$670.00} U.S.C section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions

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

Experian Information Solutions Inc.

GA

30096

Consent provided

Web

2023-04-28

Closed with explanation

Yes

2020-08-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and did not make the charges.

EQUIFAX, INC.

TX

75150

Consent provided

Web

2020-08-14

Closed with explanation

Yes

2023-06-20

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

In XX/XX/2022 I was give a 30 day notice to evacuate the premises by XX/XX/2022. If I didnt vacate the premises I would be evicted. I signed my new lease in a new city on XX/XX/2022 and all my possessions were out on XXXX XXXX. The key was returned on XX/XX/2022. They attempted to get money from me via email then I had to give them the full run down about the 30 day notice and provided pictures of the apartment. After providing the information the assistant manager responded thank you for the information and never received an email after that.

Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis

GA

30093

Consent provided

Web

2023-07-20

Closed with explanation

Yes

2022-01-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have fraudulent addresses that keep reporting on my consumer report please delete these addresses from my profile.

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

Experian Information Solutions Inc.

AL

35810

Consent provided

Web

2022-01-19

Closed with non-monetary relief

Yes

2021-07-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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.

EQUIFAX, INC.

CA

95391

Consent provided

Web

2021-07-15

Closed with explanation

Yes

2020-09-04

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

Credit reporting

Incorrect information on your report

Account information incorrect

Unable to get through by phone, unable to find an email address even after extensive searching

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

61265

Consent provided

Web

2020-09-04

Closed with explanation

Yes

2018-05-19

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

Credit reporting

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

Their investigation did not fix an error on your report

Account XXXX ( via XXXX XXXX ) was added onto my credit report without my knowledge in XX/XX/XXXX. I contacted Experian via certified mailed receipts. After investigating I was told that this account was verified and to contact XXXX XXXX. I have no knowledge of this account nor XXXX XXXX. I contacted XXXX XXXX via certified mailed receipts and havent received any paperwork or information regarding this account. Per the Fair Credit Reporting Act, Experian is to provide me with information and physical verification, which I havent received to investigate further. To date, this account is still on my credit report and I have not been provided any information nor has this account been properly further investigated.

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

Experian Information Solutions Inc.

NJ

07060

Consent provided

Web

2018-05-19

Closed with explanation

Yes

2022-08-04

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$210.00} has violated my rights. 15 U.S. Code 1681 states : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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

Experian Information Solutions Inc.

TN

37207

Consent provided

Web

2022-08-04

Closed with explanation

Yes

2019-09-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I HAVE REACHED OUT TO THE BUREAUS AND ASKED THEM TO REMOVE THE INFORMATION RELATED TO IDENTITY THEFT. I SUBMITTED AN FTC THEFT AFFIDAVIT AND POLICE REPORT BUT THEY HAVE BEEN IGNORED AND THE FRAUDULENT INFORMATION IS STILL BEING REPORTED.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CT

06516

Consent provided

Web

2019-09-13

Closed with explanation

Yes

2019-11-26

Vehicle loan or lease

Loan

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

Investigation took more than 30 days

I have reached out to Santander Bank 4 times to verify this debt listed on my credit report. They have failed to reply to any of my request. I have a credit monitoring and each attempt to get this resolves has been ignored by the creditor.

Santander Consumer USA Holdings Inc.

NV

89119

Consent provided

Web

2019-11-26

Closed with non-monetary relief

Yes

2023-03-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

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

Experian Information Solutions Inc.

AR

723XX

Consent provided

Web

2023-03-30

Closed with explanation

Yes

2020-05-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. REFER TO THE ATTACHED IDENTITY THEFT REPORT. I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED FIVE 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE. I HAVE AN ESCROW PENDING AND THE BELOW ACCOUNTS ARE HINDERING MY LOAN APPROVAL. THE VALUE AMOUNT IS {$850000.00}. IF THESE ACCOUNTS ARE NOT DELETED BY XXXX I WILL HAVE TO INITIATE LITIGATION WITH THE ASSISTANCE OF XXXX XXXX XXXX, XXXX. THIS LAW FIRM SPECIALIZES IN FCRA VIOLATIONS

EQUIFAX, INC.

CA

91741

Consent provided

Web

2020-05-10

Closed with explanation

Yes

2021-12-29

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

Other personal consumer report

Incorrect information on your report

Public record information inaccurate

hello My name is XXXX XXXX XXXX I recently received my employee background check. HIRE RIGHT REQUEST NUMBER # XXXX I see there is a criminal record reporting back from over " seven years '' ago on my report. how can this be? I searched through XXXX XXXX and there is nothing in database regarding me. I feel there is an error in the reporting. Where did this record come from? Please furnish me the source so it may be corrected that record does not belong to me. nor does it belong on my Report. Also did this come from the Clerk of Courts or from a third party Data Furnisher?

HireRight Solutions, Inc.

CA

94117

Consent provided

Web

2021-12-29

Closed with explanation

Yes

2021-12-17

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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

Experian Information Solutions Inc.

TX

752XX

Consent provided

Web

2021-12-17

Closed with non-monetary relief

Yes

2023-06-08

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

Credit reporting

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

Their investigation did not fix an error on your report

Despite the multiple previous written requests, the unverified these item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete this account, or inaccurate information, from my file immediately & send me the results to the address listed... XXXX XXXX XXXX

EQUIFAX, INC.

NV

891XX

Consent provided

Web

2023-06-08

Closed with non-monetary relief

Yes

2022-10-29

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 have violated my federally protected consumers right to privacy and confidentiality u see 15 USC 1681. Account name : XXXX : # XXXX, Acount name : XXXX XXXX XXXX : # XXXX, account name : XXXX : # XXXX, account name : 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 an account without my written instructions 15 U.S.C 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if information, other then records of convictions of crimes which antedates the report by more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumers reporting agency if the person knows or have 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.

MA

02126

Consent provided

Web

2022-10-29

Closed with non-monetary relief

Yes

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, Experian and XXXX 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.

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

Experian Information Solutions Inc.

IL

60641

Consent provided

Web

2021-12-29

Closed with non-monetary relief

Yes

2021-01-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- AUTO ACCOUNTS 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90006

Consent provided

Web

2021-01-03

Closed with explanation

Yes

2023-08-31

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

On XX/XX/XXXX I went to get gas from the XXXX station at XXXX XXXX XXXX XXXX, PA XXXX. At the station there was an individual that asked to pump my gas and would not leave me alone when I said no. I put {$20.00} worth of gas in the tank of my XXXX XXXX XXXX, the only car I own, replaced the pump and left the station. The evening of XX/XX/XXXX, I noticed a charge of {$170.00} on my Bank of America credit card account. Suspecting that the individual somehow used my card details to steal {$150.00} worth of gas, I called Bank of America to report the fraud. I was told that the charge was likely just a hold placed by the gas station and I could not file a claim until it posted. When it later posted, I called back and filed my claim on XX/XX/XXXX ( initial letter from BoA attached ). I subsequently filed an official report with the XXXX police department reporting the fraud on XX/XX/XXXX ( document attached ). I received no further contact from Bank of America, until I received a charge for the full {$170.00} that was fraudulently charged to my account on XX/XX/XXXX. I did not receive any explanation at all until I received a " Resolution Letter '' on XX/XX/XXXX. The only explanation for this was that the chip of my credit card was read at the gas station, which was never in dispute and was reported to the bank at the start of the dispute process ( document attached ). My vehicle can not even physically hold that amount of fuel, I do not own any other automobiles or other gas powered vehicles. I did not authorize any other person to utilize my card to make additional purchases past the initial {$20.00} amount. There is no history of myself ever making a gas purchase of anywhere near that amount on any account I own, including the account in question. Due to the failure of either the merchant or bank to prevent this fraud from occurring, I should not be responsible for the extra charges.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

PA

19119

Consent provided

Web

2023-08-31

Closed with explanation

Yes

2019-07-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XX/XX/2011 I was a part of the XXXX Database breach. I received a urgent message saying it was time for me to change my password, threw my play station. I quickly changed my password and continued to play my game. Later on that month I received a letter from XXXX saying the company had a breach in the network and I was affected. At the time I did not know what that meant but I filed a incident report. Now I have accounts reporting on my credit report that doesn't belong to me.

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

Experian Information Solutions Inc.

FL

33309

Consent provided

Web

2019-07-04

Closed with non-monetary relief

Yes

2020-07-13

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

Credit reporting

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

Investigation took more than 30 days

I sent a letter over 45 days ago. According to the FCRA, I'm aware that you have 30 days to investigate and respond to my dispute.You must remove the inaccurate information on my credit report immediately. I reattempted to contact you with a follow up letter but there was still no response.

EQUIFAX, INC.

NY

11413

Consent provided

Web

2020-07-13

Closed with explanation

Yes

2023-07-07

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 am a victim of identity theft please remove this fraud inquiry 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.

MO

631XX

Consent provided

Web

2023-07-07

Closed with explanation

Yes

2020-05-25

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Can't close your account

This is for the Citi AAdvantage Platinum Select Card. XX/XX/2020 -- Called to close account. No balance owed. XX/XX/2020 -- Receive 1st statement in mail saying I now owed a balance of {$99.00} for card 's annual fee. Called and spoke to a XXXX in Arizona, who confirmed that my {$99.00} balance would be XXXX out. However, due to Citi switching cards over to a new system, they would not be able to prevent a new card from being mailed to me and couldn't complete the task of closing my account. She said there would be a follow-up call. Never received a call. XX/XX/2020 -- Receive 2nd statement saying I owe {$99.00}. Called and waited for 2 hours to talk to XXXX, who said my account was permanently closed and that the {$99.00} would be credited back to my account. XX/XX/2020 -- Receive 3rd statement saying I owe {$99.00} by XX/XX/2020. XX/XX/2020 -- Submit this complaint due to Citi not closing my account and trying to fraudulently charge me {$99.00}.

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

CITIBANK, N.A.

CA

95831

Consent provided

Web

2020-05-25

Closed with monetary relief

Yes

2022-10-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I XXXX XXXX, Consumer and natural person am a victim of identity theft. XXXX, XXXX and transunion has used and furnished my consumer report without my authorization, consent or written instruction. They have neglected my rights as a consumer by allowing companies to to share my non public personal information without my consent, as well as using that information to furnish a fraudulent consumer report on my behalf. Congress makes it clear that as a consumer i have a RIGHT TO PRIVACY. These credit reporting agencies also known as financial institutions have violated my federally protected rights as a consumer with right to privacy by failing to meet the needs of congress by ensuring that they exercise there grave responsibility with respect to the confidentiality of my personal non public information. The FCRA was intended to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and respect to the consumer rights to privacy. These agencies are in direct violation of the FCRA and Gramm Leach Bliley Act of 1999.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10940

Consent provided

Web

2022-10-18

Closed with non-monetary relief

Yes

2023-07-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The listed company has used my credit report in violation of the F.C.R.A by reporting inaccurate information that has impacted my credit profile negatively. Ive disputed this account which resulted in the company removing the exact accounts from my credit profile reported by the other credit bureaus yet fails and refuses to remove the remaining reported accounts in direct relation to the accounts disputed and removed between XX/XX/XXXX- XX/XX/XXXX. I request as resolution that any accounts directly related to this listed account information be immediately deleted from my credit report. -Account info- Account name XXXX XXXX XXXX A so known as XXXX XXXX XXXX Account number XXXXXXXXXXXXXXX Account type XXXX XXXX O Individual Date opened XX/XX/XXXX Status Collection account. {$600.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Balance {$600.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment XXXX halance A

EQUIFAX, INC.

FL

32907

Consent provided

Web

2023-07-09

Closed with explanation

Yes

2020-09-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

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

Experian Information Solutions Inc.

IL

60615

Consent provided

Web

2020-09-14

Closed with explanation

Yes

2021-02-11

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

Credit reporting

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

Their investigation did not fix an error on your report

there are a couple of things being reported incorrectly : 1.My account is not being reported to XXXX as it is to TransUnion and XXXX 2 . High Credit : {$430.00} is not being reported to all agencies 3. Date Opened : verification needed as different dates are being reported to all agencies 4. Date of Last Payment : is not being reported correctly, please verify 5. Credit Limit : {$400.00} is incorrect as there was a recent increase 6.Two-Year payment history is not being reporting correctly, as company agreed to delete late payment error, plus its showing 30 day late different per agencies ex : XXXX and/or XX/XX/XXXX different agencies are reporting different dates

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

SC

29209

Servicemember

Consent provided

Web

2021-02-11

Closed with explanation

Yes

2022-03-03

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

Credit reporting

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

Investigation took more than 30 days

I have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

EQUIFAX, INC.

FL

32207

Consent provided

Web

2022-03-03

Closed with explanation

Yes

2015-09-16

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

The call was coming from an unknown number and had called XXXX times yesterday, in increments 4 hrs apart, and again at XXXX this morning. I finally answered assuming it was important. A female caller asked for me and I said this is she. She then asked to verify my address. I asked her to identify herself and she provided her name and some random employee number but DID NOT identify where she was calling from. I asked her again WHERE she was calling from and she refused to do so. She said I am calling about an important private matter and I need to verify your information first. I told her I was NOT giving her any information until she advised where she was calling from. She refused to do so and said " thank you we will try another time '' and hung up on me. I did research online and found the number belongs to IC Systems. I am not aware of any outstanding debts at this time.

I.C. System, Inc.

FL

33414

Consent provided

Web

2015-09-28

Closed with explanation

Yes

No

2017-03-30

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Right to dispute notice not received

On XX/XX/2017 I checked my credit and noticed that Credence was listed on my report. On XX/XX/2017 I received a settlement offer letter. I never received a letter with notification of this debt or my right to dispute. Once I obtained this letter I did go ahead and send out a validation of debt letter to the company. Thus far I have not heard anything back.

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

Kriya Capital, LLC

GA

30228

Consent provided

Web

2017-03-30

Closed with explanation

Yes

No

2021-12-13

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Card opened as result of identity theft or fraud

A XXXX XXXX account was opened in my name this last XXXX that I had no idea about, also my wallet was stolen a while back and I did cancel the cards but someone was able to run up the bills on my card and now the accounts are closed and being charged off. Im XXXX and never dealt with something like this.

JPMORGAN CHASE & CO.

AZ

85295

Consent provided

Web

2021-12-13

Closed with explanation

Yes

2021-03-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

THIS IS MY SECOND TIME DISPUTING THIS FRAUDULENT ACCOUNT ALONG WITH THESE INQUIRIES. THESE COMPANIES SHOULD NOT BE ALLOLWED TO PUT THESE FRAUDULENT ACCOUNTS ON MY CREDIT. THIS IS A VIOLATION OF MY RIGHTS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

36701

Consent provided

Web

2021-03-18

Closed with explanation

Yes

2023-05-11

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

Credit reporting

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

Their investigation did not fix an error on your report

Dear Consumer Financial Protection Bureau, I am writing to you today to express my concern about the inaccurate information that is still being reported on my credit report despite my previous attempts to dispute it. The account in question is for XXXX XXXX, and it is being reported derogatory across all three major credit bureaus : XXXX, Experian, and XXXX. I first noticed this inaccurate reporting in the fall of XXXX and immediately contacted the credit bureaus to dispute the information. The account had been charged off as bad debt, and it was reported as being purchased by another lender. However, the account balance was reported as unpaid, which was not accurate. The account had been settled in full, and there was no balance owing. Unfortunately, despite my dispute, the inaccuracies continue to be reported on my credit report to this day. The most recent reporting in XX/XX/XXXX shows that the account is still derogatory and that it has been sold to XXXX XXXX XXXX XXXX XXXX I am writing to request your assistance in resolving this matter. I have taken all the necessary steps to dispute the inaccurate information, but it seems to have fallen on deaf ears. I believe that this inaccurate reporting is unfairly affecting my credit score and could impact my ability to obtain credit in the future. I would greatly appreciate your help in getting this matter resolved. If there is any additional information that you require from me, please do not hesitate to contact me. Thank you for your attention to this matter.

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

Experian Information Solutions Inc.

NV

89081

Consent provided

Web

2023-05-11

Closed with explanation

Yes

2017-12-09

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

I did not receive a phone call or written communication about the debt. I discovered the issue when I reviewed my credit report. Im also unclear why I owe anything at all. Please provide written communication outling the rational for the amount due.

Collection Information Bureau, Inc.

FL

33025

Consent provided

Web

2017-12-09

Closed with explanation

Yes

2019-03-01

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Can't close your account

I was sent an application for a Citibank credit card. The application was denied. I received a notification through XXXX that my available credit was decreased from XXXX to XXXX. As I stated earlier my application was denied and I never received a Citibank credit card. I had recently received a mail notification offering a reduced rate for a balance transfer. The card ending in XXXX. That was the information presented on the latest transfer offer. According to the information I obtained through XXXX this account has been opened since XX/XX/2018. Without the entire credit card numbers closing is impossible.

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

CITIBANK, N.A.

OH

444XX

Consent provided

Web

2019-03-01

Closed with explanation

Yes

2022-05-17

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Transunion is reporting a bankruptcy on my credit report they have put in the data furnisher as been the XXXX XXXX XXXXXXXX XXXX which is false i have attached a letter from the U.S. bankruptcy court of XXXX XXXXXXXX XXXX verifying and stating that they do not furnish information over the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. Transunion is falsely stating this information on my credit report and have yet to remove this from my credit report. i sent them my credit report showing that the information is inaccurate on all three bureaus im not sure who's right, It has been removed from XXXX XXXX also.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78222

Consent provided

Web

2022-05-17

Closed with non-monetary relief

Yes

2022-05-30

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

Credit reporting

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

Their investigation did not fix an error on your report

I have contacted Transunion credit bureau numerous times ( XXXX to be exact ) informing them that the collection agency XXXX is reporting inaccurate an erroneous information on my credit profile. I was never contacted in writing prior to the collection being placed on my account. Transunion credit bureau keeps sending my dispute letters directly to the collection agency failing to properly and thoroughly investigate my dispute. I have no verbal or written contract with the collection agency XXXX XXXX Acct XXXX stating that I would pay them any money. I have never obtained any services with this company. Therefore, I have no debt with this company. Transunion credit bureaus and XXXX and Transunion has failed to provide substantial evidence that the debt belongs to me. Furthermore, Transunion credit bureau allows XXXX XXXX to continuously update the date of last activity on this alleged account every month. They are manipulating the alleged debt Date of last activity to falsely extend the statute of limitations on this erroneous account. However, the alleged amount owed stays the same. Additionally, Transunion is reporting the alleged debt late every month which is negatively impacting my overall score for a debt that does not belong to me. I demand that Transunion credit bureaus permanently delete the alleged debt and collection from my credit profile. This alleged debt is defaming my character and causing me to constantly get d enied for new credit opportunities. According to the FCRA the Credit reporting agencies are obliged delete inaccura te, incomplete or unverifiable information. Neither Transunion or the collection agency has explained how this alleged debt was verified. With the exception of taking the world of this unknown company that there is alleged debt. Transunion credit bureaus have neglected to proper investigate inaccuracies on my credit report by continuously reporting erroneous information. Even after I notified them numerous times of the misinformation. My first letter was sent on XXXX XX/XX/XXXX. The Transunion responded back after only two weeks. My second letter was sent XX/XX/XXXX. Transunion again responded back in less that 14 days saying the debt was again verified without proof of verification. I sent another letter on XXXX XXXX XXXX. Transunion responded back after 30 days letting me no that the alleged debt was verified, and no changes would be made to the listed collection. I sent a XXXX letter on XX/XX/XXXX letting Transunion know that it was my last attempt to allow them to completely remove the collection from my report or I would be filing a complaint. Transunion responded back on XX/XX/XXXX, only three weeks later informing me that there were no inaccurate information on my credit report. I am demanding that Transunion Credit bureau pay a fine of XXXX for every dispute letter I sent them that was not properly investigated. Totaling {$4000.00} to be paid to me the consumer. I again am demanding that Transunion removed this erroneous account from my credit profile. I look forward to a response in regard to my failed attempts to have the credit agency removed the erroneous account from my credit profile.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77494

Consent provided

Web

2022-05-30

Closed with non-monetary relief

Yes

2018-06-05

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I am a retired military veteran and WAS a happy, loyal USAA member for more than 10 years. On XX/XX/XXXX, I got a text message from USAA that my credit card limit had been increased. That was great news because I use credit quite frequently needed a little more cushion. Unfortunately, when we tried to use the card later that day, it declined. I called the bank to find out why and they said rudely " What credit card? We don't show one on file. '' After several frantic phone calls, we finally discovered someone at USAA closed my account. This wasn't just a precautionary security lock ... ..it was force CLOSED. I demanded to know why, but no one had the answer. One guy from the credit card department said it looked like someone in the security department made a mistake and would be reprimanded. I was mad to say the least. As a military guy, a bunch of my friends and family work or bank with USAA so I posted on social media about the situation. Soon after, I received a message in my inbox from XXXX XXXX that my account was closed due to " unacceptable behavior ''. I found out later from an insider they were taking screenshots of my conversations on social media. This leads me to believe XXXX XXXX may have abused his power at the bank to punish me for complaining publicly. A few days later, I got a call from a bank employee who said she represents the CEO, XXXX XXXX. Apparently the executive board made a " business decision '' to close my account and they were in the process of closing my mother 's, brother 's, cousin 's and spouse 's accounts. She also said they are not going to tell me the real reason why because by law they don't have to and they have no record of the conversation I had with the credit card guy about them making a security mistake. It felt like a total abuse of power. I have reason to believe XXXX XXXX improperly used his position at the bank to influence this " business decision ''.

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

TX

780XX

Servicemember

Consent provided

Web

2018-06-07

Closed with explanation

Yes

2020-04-17

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

XXXX, Trans Union and, XXXX have reported a 34 point decrease in my credit score. When it should have been a 34 point or more increase. Several items were deleted from my report after a dispute and all credit card balances and paid down to XXXX. I have tried to contact them reguarding this mistake and they will not help me. I have worked hard to clean up my credit and deserve to have things reported accurately. It is unfair for them to do this to me when all the evidence is right there of the improvements. They clearly made mistakes, I need it corrected immediatley. This is emabarring and causing a hardship for me and my family as we are trying to purchase a home. Please help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48603

Consent provided

Web

2020-04-17

Closed with explanation

Yes

2023-04-25

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have recently applied for an apartment and was denied for XXXX apartments because of this unlawful collection according to the 15 U.S.C 1681 this should not be on my credit because this is inaccurate information I am currently homeless and so this inaccurate information is causing me to get approved.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94541

Consent provided

Web

2023-04-25

Closed with explanation

Yes

2023-04-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11763

Consent provided

Web

2023-04-26

Closed with non-monetary relief

Yes

2017-10-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There is an unauthorized inquiry on my credit report made by XXXX XXXX XXXX on XX/XX/17 that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.

EQUIFAX, INC.

FL

33126

Consent provided

Web

2017-10-15

Closed with explanation

Yes

2023-09-07

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Problem with customer service

XX/XX/XXXX - Received email from Dept of Ed stating that I was eligible to have my loan/loan forgiven XX/XX/XXXX - Called Mohela and requested to 'opt out ' of loan sequence XXXX XXXX and ONLY loan sequence XXXX XXXX. Requested documentation that I opted out of ONLY loan XXXX XXXX. Submitted consolidation application for this loan with my XXXX parent plus loans. Also submitted request for ICR payment plan for this new consolidation loan. XXXX? XXXX - Called Mohela to verify that I had only opted out of Loan XXXX XXXX.. was assured yes, only that loan. Also, again requested documentation stating that I opted out of Loan XXXX XXXX and ONLY loan XXXX XXXX XX/XX/XXXX - Called Mohela - still no documentation. ( I had also called Dept of Ed and they told me I had 'opted out ' ) ... XXXX Mohela rep told me I had opted out so I wouldn't be getting any forgiveness. I said, but only for loan XXXX XXXX - correct? The rep put me on hold and waited to speak with a supervisor ( I requested to speak with a supervisor and was told I could NOT ). The supervisor then told the rep that yes, only loan XXXX XXXX. So then I ask why I was told I 'opted out ' she was ignore that, I was wrong. Ok - but still no forgiveness for my other loans. I then ask about the IDR account adjustment for my other loans. On hold again. Then I am told, you should get it, based on looking at your account. WHAT? I told you numerous times that I have already received the email. Why would I request to OPT out of one loan if I hadn't received the email. Again ask for a supervisor and am told NO. Then after she speaks with a supervisor again, I am told that Dept of Ed is still processing my IDR and I should see it in XXXX. Again WHAT? The email states that I should see forgiveness before my loan/loans go into repayment. The rep then says that they have submitted an 'escalation ' and that I should have the result of that in 3-5 business days. ( spent over 3 hours on the phone with Mohela ) XX/XX/XXXX - Called Mohela. Rep says how can I help you - I say where do I start. I give her brief synopsis and she puts me on hold. ( waited over 1.5 hours for rep ). After another 45 minutes, I get XXXX who says she is a 'customer advocate ' ( didn't even know they had these ). Anyway I explain all of what is going on - she sends me a document via secure message stating that I opted out of Loan XXXX XXXX, but it doesn't say 'ONLY ' loan XXXX XXXX. She looks into my account and tells me they did completely OPT ME OUT of all my loans. Now I am really, really XXXX ( was so, so, so afraid this would happen ). Ok, now what? She says no worries, I can 'fix ' it. Ok. She then tells me she submitted the 'correct ' request to put me back in ( again - didn't know this was possible ). She said it should be processed in 3 - 5 days but might take 30-60 to fully complete. XX/XX/XXXX - received email from Dept of Ed regarding payments that will be due starting in XXXX. Email is NOT like my husbands that says he has NO payment due. XX/XX/XXXX - submitted 'complaint ' to Mohela regarding all of this and also asked why my loans are now in repayment, as per the letter, only the loan I opted out of should be in repayment ... no response at all. Also still have the ICR request just sitting in their inbox that was submitted on XX/XX/XXXX. I need the new consolidation loan to be on the ICR so that I will get credit for my payments toward IDR account forgiveness. XX/XX/XXXX - Called the Dept of Ed Ombudsman group ... after hours on hold he couldn't tell me anything regarding my loans- couldn't say if they were 'opted in ' or 'opted out ' - couldn't tell me anything other than to wait and to submit a complaint on Dept of Ed 's site. ( been there done that - case has been open since XX/XX/XXXX - I received an email regarding the case on XX/XX/XXXX just containing cut and paste information regarding the IDR account adjustment from the website. And it says my case is closed. I responded to the email... the case on the studentaid.gov website just says pending with no new update. The Ombudsman rep told me that the case has been 'escalated '. Great - still no answers. I did submit a new case as he told me tell the Dept of Ed to put my loans into the 'administrative forbearance '. Still waiting for something on that case. I now have payments that will be due in XXXX. I wasn't planning on this as I have received the email on XX/XX/XXXX stating that my loan/loans should be forgiven. I need my new consolidation loan to be put into ICR and I need my other loans to be put into the correct status as why should I make more payments when I will already be due a refund? I have been in repayment/forbearance since XXXX! I have no idea what to do from here. I am sick of Dept of Ed saying to talk to your servicer and Mohela tell me to talk to Dept of Ed. The need to get on the same page and fix this! Please help. Mohela screwed this all up for me and now I am having to suffer the consequences all because someone doesn't know how to do their job! Absolutely unacceptable!!!

Company believes it acted appropriately as authorized by contract or law

MOHELA

MI

488XX

Consent provided

Web

2023-09-07

Closed with explanation

Yes

2023-04-24

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 see credit inquiries from unknown sources I reported this a while back and its been going on years I have been in military XXXX therefore I had no knowledge of my credit use. XX/XX/

EQUIFAX, INC.

MS

38701

Servicemember

Consent provided

Web

2023-04-24

Closed with explanation

Yes

2023-02-08

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

Bank of America closed my account on XX/XX/2021. I was told I would receive a check with my remaining funds come that date. Original date was XX/XX/XXXX, I still have not received my funds. There is {$15000.00} in the account. And Im going to be evicted without it. Nobody has helped me.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

336XX

Consent provided

Web

2023-02-08

Closed with monetary relief

Yes

2022-08-31

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

TX

75063

Consent provided

Web

2022-08-31

Closed with explanation

Yes

2017-04-16

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Trouble with how payments are handled

I had a payment with due date XX/XX/2017. I paid the amount on XX/XX/2017. I received two letters : 1 ) A payment was not made on XX/XX/2017, and that I was past due 2 ) A second payment is due on XX/XX/2017, despite my repayment plan be QUARTERLY. I tried paying the XX/XX/2017 payment on XX/XX/2017, and their website was down ( as usual ). I would ATTEMPT paying earlier if they posted the payments earlier. I was n't able to reach Heartland ECSI on XX/XX/2017, and on XX/XX/2017 it was Saturday and they were closed. I previously filed a complaint against Heartland ECSI for their " convenience fee '' of 5 % when making online payments. That is, when the online payment system actually works. It is down 75 % of the time. I 'm curious this is some kind of retaliatory tactic.

HEARTLAND PAYMENT SYSTEMS INC

CA

94107

Consent provided

Web

2017-04-17

Closed with explanation

Yes

No

2023-01-20

Checking or savings account

Checking account

Managing an account

Fee problem

I was w/ Wells Fargo and might have been charge an over draft fees that Im unaware of

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

WELLS FARGO & COMPANY

GA

30068

Consent provided

Web

2023-01-20

Closed with explanation

Yes

2023-03-31

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 reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these companies 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 of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

FL

33060

Consent provided

Web

2023-03-31

Closed with explanation

Yes

2020-10-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX nj Dear Sir or madam, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : INQUIRES The listed inquires were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information, and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.

EQUIFAX, INC.

NJ

08109

Consent provided

Web

2020-10-06

Closed with explanation

Yes

2021-12-16

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I have a Bank of America XXXX XXXX XXXX XXXX XXXX credit card. I noticed this past month on my statement I have been getting a foreign transaction fee for certain transactions. These fee transactions are only listed on the statement as a separate line item- they are not listed on the online transactions activity feed on the online banking platform. They are not listed next to the transaction nor do they show which vendor or transaction it is being charged for. The fees are also not listed anywhere online or on any statement or notice that I am able to find online. There is a section online with information and services there is a section called " Fee information '' that lists OTHER fees -- annual fee / monthly maintenance fee, over limit, late payment, and return payment fee. But no mention of a foreign transaction fee. Other transaction fees that they charge are clearly listed before you would make the transaction ( balance transfer ; cash advance ). But again - no listing of the foreign transaction fee. When I called customer service to ask about this, they told me the fee is listed in the original credit card agreement- and that is where I should know to look and find it. It told them that is a sneaky fee not having it listed anywhere else again- and they told me- no they want all their customers to read that agreement fully and thoroughly. The only other place I found it - after I went digging for it - was in the marketing material terms and conditions. I asked them to remove the fees from my account and they did. And I asked if they would take my feedback to include that fee and list it with the other fees- and their response was that no they want people to look at their statements every month and call if they see something out of the ordinary. And that people should know to read that agreement fully and understand everything in it. To me -- this is inappropriate and non-transparent for the common consumer. I appreciate that they removed the fees -- but I question how many other people are being charged these fees without knowing and how much extra money Bank of America is making because of them. I appreciate your attention to this. Sincerely XXXX XXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NY

105XX

Consent provided

Web

2021-12-16

Closed with explanation

Yes

2022-12-03

Vehicle loan or lease

Loan

Struggling to pay your loan

Denied request to lower payments

I.m paying my car loan and it is under agreement cause of financial hardship cause the bank agreed for me to pay XXXX payment in amount of {$390.00} installedments and agree for me to pay XXXX payment on the XX/XX/2022 and they send that information to the credit Report and say that was XXXX days late but we both parties agree that it wont be send in ..and i notice that they mess up my credit score in the amount of {$590.00} ... and i want to dispute this amount cause the bank fail on they agreement that it wont be reported cause of my Financial Hardship need to come to a conclusion on this issue..thank you..

Consumer Portfolio Services, Inc.

PA

19120

Consent provided

Web

2022-12-03

Closed with explanation

Yes

2023-01-20

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 bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. XXXX Account number : 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. 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 ) 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 crime 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.

MA

02038

Consent provided

Web

2023-01-20

Closed with non-monetary relief

Yes

2019-02-06

Debt collection

Other debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

They reported an amount to my credit report when I contacted the original debtor they give me a much lesser amount & still I settled with this company ( PHOENIX RECOVERY GROUP ) and they agree to removed all info and notations on all credit bureaus after 45 days after i paid em what they told me but they didnt remove it, I call em and she said ( XXXX XXXX rep ) maybe is gon na take longer you should pay the rest ( we agree on a settlement ) now they told the credit bureaus the info on my reports are right even tho I have the proof where they agree to remove it after I paid em the amount we agree I all send so many emails they dont reply back no more i think this is unfair i did what they told me and they didn't live upto what they offer even XXXX XXXX approved my letter stating my account will be deleted but no they just took my money and didnt deliver they promises

The Phoenix Recovery Group

TX

75052

Consent provided

Web

2019-02-06

Closed with non-monetary relief

Yes

2022-10-13

Debt collection

Credit card debt

False statements or representation

Impersonated attorney, law enforcement, or government official

I could not find a more appropriate issue statement that this incident would fall under. In XX/XX/2022 at approximately XXXX, an unknown man in an unmarked vehicle dressed in XXXX XXXX wear without any identifying information ( such as a badge ) waited down the block from my home in his car with the lights off. When my husband pulled into the driveway of our home and opened the garage door, the man in the unmarked car sped up to my husbands car with their vehicle lights ( headlights and taillights ) OFF. This scared my husband so badly, that he hurried to close the garage door behind him. The man in the unmarked vehicle turned on his vehicle lights, walked up the driveway, and proceeded to pound on the garage door with his fist. According to my husband and our home security footage, the man never identified himself. Adding to the scariness of the incident, the man walked up to our front door, even though our house outdoor lights were off, and proceeded to pound on the front door, while also peering through our doors peephole and through the windows. All of this can be seen on our home security footage. Unbeknownst to us, the man just drops the legal papers at the door and leaves. We didnt know who he was or why he was there until we investigated the papers left behind and received notices through email that I had been served a lawsuit. Because I was so unnerved by the event, I called the police and had them write a report. I have attached it below.

AMERICAN EXPRESS COMPANY

FL

33073

Consent provided

Web

2022-10-13

Closed with explanation

Yes

2020-10-12

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

PHOENIX FINANCIAL SERVIC, contact information XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX, Phone Number ( XXXX ) XXXX. Original creditor listed ; XXXX XXXX XXXX XXXX. Account number XXXX, that is listed on my credit reports. I have disputed this account listed on two out of three of my credit reports on XXXX and XXXX. I have not been able to dispute it on XXXX as I have always had issues with that credit bureau asking security/identifying questions that do not and have not ever pertained to me- The questions asked are not even listed on my credit report and never have. The disputed attempts failed with XXXX and XXXX and still remain on my credit reports. Yet, Phoenix Financial Servic failed to contact me claiming I owe the debt. Thus disallowed me to dispute the debt or seek verification. After submitting disputes with XXXX and XXXX Phoenix Financial Servic still did not provide anything at all, much less anything substantial proving the debt is mine or sent anything allowing me to exercise my right to dispute the debt or seek validation directly with them ; prior to reporting the debt and after the dispute. If I was given the opportunity- Had Phoenix Financial Servic legally did what is required of them- I would have requested a detailed breakdown of all charges, documentation such as a signed contract, and other information. Due to this ; the laws and standards set, Phoenix Financial is inaccurately/falsely reporting/handling this collection account to my credit profiles. I know it is not mine as the original creditor listed, XXXX XXXX XXXX XXXX, whom I never heard of, have never had an account with, or received services with the original creditor. The reported account listed date of being opened in XXXX XXXX This appears to be a medical debt & I have not had any medical attention, services, or procedures during the month of XX/XX/XXXX, or after the months of XX/XX/XXXX, or during the year of XXXX, and even longer than that as well. Especially by the original creditor listed and/or any of its affiliates. I did look up the LLC information of the original creditor listed ; XXXX XXXX XXXX XXXX XXXX, from the Alabamas Secretary of State website. XXXX XXXX XXXX XXXX XXXX has gone through three name changes and it strongly supports that XXXX XXXX XXXX XXXX has four other LLCs and all are associated. There is no telling when and where on how Phoenix Financial Service has obtained this frivolous and alleged debt due to the original creditor having had its name changed three times- It was formed in XXXX and from what I can see the last name change was in XXXX. I share this to support, that I do not nor have I ever owed the original creditor for any services. I do not know of or heard of the original creditors present name, past name, or their associated businesses names as some of those went through name changes too. I have never received anything in the mail or any communications from the original creditor by its current, past, or affiliated names. I will say that I have read that Phoenix Financial Services has intensive poor reviews on unethical debt collection practices. However, I do have an issue and many experiences thats considered a mixed credit file. This likely could be the issue with Phoenix Financial Services and the account reported to credit reports. Mixed Credit files has been an issue for me for years. Like for example, I can rarely access my XXXX account directly as it never asks security/identity validation questions thats never pertains to me. Every year, at least a few times a year there are incidents where I have collections pop up that do not/nor ever belonged to me. I have had addresses listed that I never lived at, misspelling of my name, alias- I dont use an alias, nickname or shorten my name. When discovered I dispute it and have it removed. I do not know whos information it could belong to or why it happens often enough. I have had closed out/paid in full and on time accounts on my reports ; that actually helped my score, but I had to have it removed because it didnt belong to me, I didnt know any details about it, so when asked for identification questions, I couldnt answer it, thus preventing me from accessing my credit report. I am going to attach screen shots from yesterday on security questions asked while attempting to view my XXXX report, not one question belonged to me. Screenshots from XXXX XXXX that wants to help me with lower insurance quotes, none of the vehicles shown/listed belong to me ever, but one. I am also going to attach screen shots from various credit reports throughout time that show info stated above that indicates my experiences with mixed credit file issues. There are a ton of examples, but I want to share some to support this is a real issue for me.

Company believes it acted appropriately as authorized by contract or law

Phoenix Financial Services LLC

AL

351XX

Consent provided

Web

2020-10-12

Closed with explanation

Yes

2023-04-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00}

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

Experian Information Solutions Inc.

VA

23320

Consent provided

Web

2023-04-19

Closed with explanation

Yes

2018-07-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX Opened XX/XX/2013Amount XXXX Account balance XXXX account paid XXXX balance

EQUIFAX, INC.

PA

191XX

Consent provided

Web

2018-07-07

Closed with non-monetary relief

Yes

2021-07-08

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

Credit reporting

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

Investigation took more than 30 days

I have requested to have the credit bureaus remove fraudulent/inaccurate information from my credit report. I sent all bureaus letters stating that the accounts listed did not belong to me in XXXX, I also sent a follow up letter requesting them to update my report with accurate information and to respond back to my request.It has been past 30 days and I still don't have an resolution.

EQUIFAX, INC.

GA

30013

Consent provided

Web

2021-07-08

Closed with explanation

Yes

2023-06-16

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Report Act XXXX Account : AMSHER COLLECTION SE, 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.

Company believes it acted appropriately as authorized by contract or law

Amsher Collection Services, Inc.

NY

11226

Consent provided

Web

2023-06-16

Closed with explanation

Yes

2023-01-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20745

Consent provided

Web

2023-01-17

Closed with non-monetary relief

Yes

2022-02-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

IL

60615

Consent provided

Web

2022-02-25

Closed with explanation

Yes

2023-07-04

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

Credit reporting

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

Their investigation did not fix an error on your report

i have shown equifax the inaccurate reporting of information on this account ending in XXXX yet they choose to ignore the evidence provided to equifax with the real facts. but they stall me and give me the runaround time after time. I need your help in helping me resolve this consumer issue with equifax.

EQUIFAX, INC.

CA

90032

Consent provided

Web

2023-07-05

Closed with explanation

Yes

2021-12-28

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

Civil Liability A debt collector who fails to comply with any provision of the FDCPA is liable for Any actual damages sustained as a result of that failure Punitive damages as allowed by the court : In an individual action, up to {$1000.00} Inaclassaction, upto $ XXXX plaintiff and an award to be divided among all members of the class of an amount up to {$500000.00} or XXXX percent of the debt collectors net worth, whichever is less Costs and a reasonable attorneys fee in any such action In determining punitive damages, the court must consider the nature, frequency, and persistency of the violations and the extent to which they were intentional. In a class action, the court must also consider the resources of the debt collector and the number of persons adversely affected Play some in a severe hardship XXXX XXXX XXXX and Experian are refusing to remove or update the incorrect information that they have in file I need someone to help me I was unable to get My home refinance do you say incorrect information on my credit report I keep calling them and they state they going to remove it and he never did I have send XXXX letters No response

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

Experian Information Solutions Inc.

MD

21239

Consent provided

Web

2021-12-28

Closed with explanation

Yes

2023-05-12

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

In the last week of XX/XX/2023, I was unable to log into my Chase Online Banking account, which I subsequently found out was due to it being locked. Upon contacting customer service, I was informed that my account was being terminated and my checking account would be closed. It was also stated that I would receive a check for the balance in my account via mail. I was assured that my other accounts ( credit card and IRA ) would remain open, but this assurance was short-lived. Despite my repeated attempts to understand the reason behind this sudden and abrupt termination, I was not provided with any valid explanation. Worse still, I was met with rude behavior, which I believe is unprofessional and out of place in a customer service environment. My XXXX XXXX, who I hoped would be able to clarify the situation, chose to ignore my concerns. Calls to the XXXX XXXX customer service line were fruitless, as they demanded validation with my closed debit account number and then dismissed me, claiming I no longer held a relationship with them. A visit to the Chase branch in XXXX, XXXX, MA, only confirmed the closure of my checking account and the 14-day process to complete this. While they reassured me that my credit card and IRA would remain open, my IRA was also closed without any prior notice. Adding to my woes, I was informed that my funds would be mailed to me by XX/XX/2023. However, it has now been over a month since this date and I am yet to receive my funds. The delay is causing me financial distress as I am losing money due to credit card interest and the inability to access my own funds. Furthermore, while my checking account was closed, Chase continued to accept my paychecks from my employer. These funds, amounting to over {$19000.00}, have yet to be returned to me. I have contacted customer service weekly, only to be repeatedly told that the check is pending approval with no further updates. This chain of events has left me in a precarious financial position, caused me undue stress, and undermined my trust in Chase. I kindly demand immediate action to rectify this situation, including an explanation for my account closures, and most importantly, the immediate release and delivery of my funds. I hope for a swift resolution to this matter. Thank you in advance for your attention and assistance.

JPMORGAN CHASE & CO.

FL

331XX

Consent provided

Web

2023-05-12

Closed with explanation

Yes

2017-09-25

Debt collection

I do not know

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

On XX/XX/XXXX XXXX XXXX University was notified that they were included in my Chapter XXXX Bankruptcy. They contacted me during this process which my lawyer advised them that they could not collect this debt. Once my BK was discharged in XX/XX/XXXX they continued to still contact me and I had sent them the list of creditors and copy of BK discharge, they sold the debt to a collection company and I supplied the old collection company with the same info and it seemed to stop. But on XX/XX/XXXX I received a letter stating that I owed XXXX XXXX {$3500.00} to them and my debt has been placed with Account Control Technology , Inc . I dont know what else I can do to show them this debt was discharged and I do not owe it. As stated my attorney explained all this to them several times and has sent them letters. I have worked really hard to repair my credit and I do not want this to hit my credit report and lower my XXXX fico score. I am going to try to purchase a house next year and I am watching it closely.

Company believes complaint caused principally by actions of third party outside the control or direction of the company

Account Control Technology, Inc.

MI

48021

Consent provided

Web

2017-09-25

Closed with non-monetary relief

Yes

2022-01-27

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

Credit reporting

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

Investigation took more than 30 days

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

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

SHABANA MOTORS

TX

77072

Consent provided

Web

2022-01-27

Closed with explanation

Yes

2019-08-06

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

Im trying to get help removing some hard inquiries that my older brother has made impersonating me using my information and my social

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77017

Consent provided

Web

2019-08-06

Closed with explanation

Yes

2021-10-24

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

Credit reporting

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

Was not notified of investigation status or results

Dear Sir or Madam, 1. XXXX XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I immediately disputed this information with XXXX XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time. XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX

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

Experian Information Solutions Inc.

PA

19124

Consent provided

Web

2021-10-24

Closed with explanation

Yes

2022-07-26

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

Credit reporting

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

Investigation took more than 30 days

I have submitted disputes to you and I didn't get a response within 30 days and you are required by law to do so. Please investigate my disputes, please. Thank you.

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

Experian Information Solutions Inc.

CA

95691

Consent provided

Web

2022-07-26

Closed with explanation

Yes

2023-03-16

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

Credit reporting

Incorrect information on your report

Account status incorrect

The debt on this credit card was dishharged and eliminated from collections but it still appears in the credit history

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

SYNCHRONY FINANCIAL

PR

009XX

Consent provided

Web

2023-03-16

Closed with explanation

Yes

2021-10-07

Checking or savings account

Checking account

Managing an account

Problem accessing account

After opening an account at Capital One I requested equal access for my disability. I was told the disabled had to wait 20 days by XXXX, XXXX and XXXX managers at Capital One. All 3 persons hung up on me saying the bank would decide my disability and the bank would decide the accommodation under the ADA. They refused to take any information about my disability for an appropriate accommodation.

CAPITAL ONE FINANCIAL CORPORATION

FL

341XX

Consent provided

Web

2021-10-07

Closed with explanation

Yes

2020-12-22

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

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/2020, Santander Consumer USA was charged with Predatory lending in a MultiState Lawsuit. In the lawsuit they were required to compensate consumers and loan holders with the following, but not least : 1. Santander to remove auto loan entirely from credit reports and credit bureau, per the settlement 2. Santander to forgive loans entirely, per the settlement 3. Santander to give consumers clear auto title, per the settlement 4. Other specific requirement in the lawsuit Maryland Attorney General Office communicated with me and sent my information to XXXX XXXX ( Consultant handling the Santander Settlement ) to be added to the settlement. When I call XXXX XXXX they claim that they do not have any information concerning me being on the Settlement and that I should contact Santander. When I call Santander, they state that I am not eligible for the settlement because I still have a balance. I did not see anywhere on the settlement lawsuit that consumers with balances are not eligible. It appears that Santander is not abiding by the lawsuit. And they keep sending me to AGs office and XXXX XXXX and back and forth, with no answers. However, Santander has removed the loan entirely ONLY on XXXX, but XXXX and XXXX, they have closed my account, but still show a balance. This is not correct according to the settlement.

Santander Consumer USA Holdings Inc.

MD

208XX

Servicemember

Consent provided

Web

2020-12-22

Closed with explanation

Yes

2023-04-07

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I have been disputing world finance for a long time now, and they keep changing their remark back-and-forth. I have been requesting a copy of the contract, showing me that it was my debt they were refusing to show me a copy of the contract.

World Acceptance Corporation

GA

31405

Consent provided

Web

2023-04-07

Closed with explanation

Yes

2022-04-15

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

We have an RV loan with Bank of the West. All regular payments come out electronically. We were told any principal payments would have to be separate via check, so we set up a bill pay check in XX/XX/XXXX for {$500.00} extra a month. XXXX, XXXX, and XXXX payments were all applied correctly. In XXXX we noticed a regular payment was not taken, in looking online they had been misapplying the principal payment for XXXX, XXXX and XX/XX/XXXX. The only number we could call was the XXXX number that had an XXXX hour wait multiple times. We took work off and went into the XXXX branch on XX/XX/XXXX to resolve this issue. The banker XXXX, had no recourse other than to call the same XXXX number. He said they would fix XXXX, XXXX, XXXX principal payments as well as some of the regular payments that had also been misapplied. He told us that due to " regulations '' we couldn't make principal payments via bill pay and had to mail them in in special envelopes which he said he would mail to us. we never received them. In XXXX they took XXXX regular payments out, our regular of XXXX and an additional XXXX also applied as regular. I called and got a supervisor, XXXX, whom let me know my online history reflecting incorrectly in several spots : The regular payment on XXXX history shows all applied to principal ( XXXX said {$420.00} was applied to interest ) and XXXX of the XXXX XX/XX/XXXX principal payments ( which for some reason were broken up into XXXX and XXXX to equal our {$500.00} ) history reflecting the XXXX is principal, XXXX said it was reflecting as a regular payment. This was her answer for why a second random regular payment was taken on XXXX for XXXX and my online history was wrong. She suggested I keep the extra XXXX payment in place even though it was now reflecting I had overpaid by XXXX. She is supposed to mail me a correct history and principal payment envelopes that were supposed to have been sent out in XXXX that we never received. Bank of the West 's current process of making it so difficult to make a principal payment on a loan is deceptive and unfair.

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

BANK OF THE WEST

UT

84020

Consent provided

Web

2022-04-15

Closed with explanation

Yes

2022-03-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

The account was reported negative on Experian and XXXX XXXX, XXXX, and XX/XX/2019. My account was paid on time.

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

Experian Information Solutions Inc.

AL

35226

Consent provided

Web

2022-03-07

Closed with explanation

Yes

2023-01-04

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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00}

EQUIFAX, INC.

TX

770XX

Consent provided

Web

2023-01-04

Closed with explanation

Yes

2023-06-26

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

It is highly unjustifiable to have late payments displayed on my account when I have consistently made timely payments. I insist that this error be corrected without delay.

EQUIFAX, INC.

IL

60605

Consent provided

Web

2023-06-26

Closed with non-monetary relief

Yes

2023-05-27

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Balance : {$240000.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX Balance : {$0.00}.

EQUIFAX, INC.

TX

77379

Consent provided

Web

2023-05-27

Closed with non-monetary relief

Yes

2022-09-27

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

Credit reporting

Incorrect information on your report

Account information incorrect

I purchased this vehicle on XX/XX/2022. I have never been late. Wells Fargo has me down as XXXXXXXX XXXX instead of sending in the payment monthly. I have never been more than thirty days late. I received an XXXX for XXXX and XXXX XXXX XXXX.

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

WELLS FARGO & COMPANY

GA

30228

Servicemember

Consent provided

Web

2022-09-27

Closed with explanation

Yes

2019-12-04

Debt collection

Payday loan debt

Attempts to collect debt not owed

Debt was result of identity theft

I was told I owed money for an online payday loan that I never applied for nor had knowledge about

CURO Intermediate Holdings

DE

199XX

Consent provided

Web

2019-12-04

Closed with explanation

Yes

2022-10-04

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

XX/XX/2022 I have received a phone call from Bank of America for the person asking me are you XXXX XXXX, I said yes he asked me then did you authorize transection from your back account for the amount of XXXX $? I answered no I did not authorize this transaction. He stated that it was a productivity or my event account. And he asked me to open a new account with him over the phone at that point I was unsure of what is going on. I asked him to I got and I will check with the bank. At that time I checked my online bank account and I found that my account was frozen and the money was already moved out. Since that time I been calling Bank of America about 3 to 4 hours a day, I never had any communication from Bank of America trying to call me or communicate with me regarding this incident. I had a plain that was submitted a week after the incident, I do not know why he waited for a week from the backside especially I was calling them almost every day. After almost 5 weeks I was able to get a claim number. Throughout the process, it was never easy to reach the right destination of Bank of America, thank you transfer me between departments stating that this is not that her specialty and putting me on hold for about 3 to 4 hours daily. Always received different opinion and all individual based. Almost 5 weeks later, a person from the fraud department advised me to submit a claim on the fraud account. And the first time ever received a communication from Bank of America regarding this issue was mid XXXX when they sent me an email with encrypted letter requiring police report and a list of other documents. I have completed all the list and faxed XX/XX/2022. For now almost 7 weeks and there is no communication from Bank of America with me and the problem is not solved. My money is frozen in the fraud account and I can not use my money at this point. Police report already submitted with all the required documents for the back. My problem is the back not giving me any clear way to communicate with them and even the phone number listed in the letter they sent me, when I called them they say this is the wrong department.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

79707

Consent provided

Web

2022-10-19

Closed with monetary relief

Yes

2019-08-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. THE ACCOUNTS ARE LISTED BELOW : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX- {$1000.00} XXXX XXXX XXXX- {$500.00} PLEASE HAVE THOSE ACCOUNTS REMOVE OFF THE THREE CREDIT BUREAUS ( EXPERIAN, XXXX, AND XXXX )

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

Experian Information Solutions Inc.

FL

XXXXX

Consent provided

Web

2019-08-13

Closed with explanation

Yes

2023-03-17

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

This is a false company trying to collect on a medical debt they claim I owe. I have no knowledge of this fraudulent company called Phonenix Financial Services pretending to be a debt collector. It seems my information was collected from an illegal breach and I am taking steps to report this fake company.

Phoenix Financial Services LLC

NJ

07206

Consent provided

Web

2023-03-17

Closed with explanation

Yes

2020-04-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my accounts. I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Bull City Financial Solutions, Inc

TX

790XX

Consent provided

Web

2020-04-29

Closed with explanation

Yes

2018-09-26

Checking or savings account

Checking account

Closing an account

Can't close your account

PNC refuses to allow me to close inactive accounts with them.

PNC Bank N.A.

CA

96007

Consent provided

Web

2018-09-26

Closed with monetary relief

Yes