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2017-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information. | null | EQUIFAX, INC. | WA | 98115 | null | Consent provided | Web | 2017-09-09 | Closed with explanation | Yes | null | 2,666,727 |
2021-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | CA | 945XX | null | Consent provided | Web | 2021-05-23 | Closed with explanation | Yes | null | 4,399,585 |
2022-04-30 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | I had previously disputed this XXXX XXXX I never received a bill. After the dispute I called XXXX and told them at the time I had these services I didnt have health insurance. It was for the emergency room. I was in the waiting period for health insurance. I dont remember who I talked to. I explained my situation and told her I was now on Social Security XXXX and I had no way of paying this because I barely have enough money after my home, utilities and medication was paid for. I have applied for financial assistance through XXXX because of my financial situation. This account is 5 years old and I was under the impression they were going to take it off my report. I sorry if I wasnt supposed to file a complaint because I wasnt able to file another dispute. | null | Receivables Management Partners, LLC | IN | 47274 | null | Consent provided | Web | 2022-05-17 | Closed with explanation | Yes | null | 5,520,892 |
2022-04-12 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | On this date XX/XX/2021 XXXX XXXX XXXX opened a collection.
Account # XXXX {$340.00} that i owe I have never signed any written document saying that i owe this debt to the collector.
They are violating my rights of the FCRA as a consumer.
I do not know who they are and have not written consent from my end.
Also, they have not verified that i owe this debt to this alleged company. Please have this removed from all three credit bureus.
XXXX XXXX XXXX | null | Credit Corp Solutions Inc. | NJ | 07508 | null | Consent provided | Web | 2022-04-12 | Closed with explanation | Yes | null | 5,437,180 |
2021-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am disputing the reporting of an XXXX account. I first disputed this account on XX/XX/XXXX for inaccurate reporting, the results came back as meeting the " FCRA ''. I then disputed again on XX/XX/XXXX, asking to verify the account, it came back as completed with no changes. On XX/XX/XXXX, I disputed the " date last active '' because none of the dates matched on my credit report ; it was not corrected. I disputed the " date last active '' once again on XX/XX/XXXX ; it came back verified and was not corrected. I then disputed the " date of last payment '' on XX/XX/XXXX because the dates were inaccurate on my credit report ; it was not corrected. I sent out a follow-up letter on XX/XX/XXXX disputing the " date last active '', " date of last payment '', and the " payment history '' that showed inaccurate reporting ; it has not been updated or changed. On XX/XX/XXXX, I sent out a violation letter asking for a deletion for this account because the " date last reported '' has not been changed even though this account came back verified. This account also was sold to another company and it doesn't state that in the comment section of my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 07508 | null | Consent provided | Web | 2021-07-11 | Closed with explanation | Yes | null | 4,533,038 |
2023-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late.
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11204 | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,532,169 |
2023-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and address several violations of consumer protection laws that have significantly impacted my financial well-being. The purpose of this letter is to request your intervention and assistance in resolving the matters detailed below.
I have recently discovered numerous discrepancies on my credit report that involve several creditors. These discrepancies encompass unauthorized credit inquiries, inaccurate account information, and misleading personal data. Through thorough investigation and examination of the Fair Credit Reporting Act ( FCRA ), it is evident that my rights have been breached in multiple instances.
Unauthorized Inquiries : On numerous occasions, I found unauthorized credit inquiries made without my explicit consent. These actions have compromised my personal information and have negatively affected my credit score. These actions directly violate FCRA 604, 15 U.S.C. 1681b, which outlines the permissible purposes for conducting consumer reports. I have provided specific instances and details of these inquiries below : XXXX XXXX : Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inaccurate Account Information : Moreover, I have encountered inaccurate account information that includes questionable account names and numbers, as well as incorrect payment history reporting. These inaccuracies have substantially affected my creditworthiness and my ability to access fair financial opportunities. The following accounts stand out as examples of these inaccuracies : XXXX XXXX Account Number : XXXX Account Name and Number are Questionable XXXX XXXX Account Number : XXXX Inaccurate Payment History Reporting XXXX XXXX XXXX Account Number : XXXX Account Name and Number are Questionable XXXX XXXX Account Numbers : XXXX, XXXX, XXXX Account Names and Numbers are Questionable XXXX XXXX XXXX XXXX Account Number : XXXX Account Name and Number are Questionable XXXX Account Number : XXXX Unrecognized Business Account Inaccurate Personal Information : Additionally, my personal information, including current and previous addresses, has been inaccurately reported, further causing confusion and potential identity concerns : Incorrect Current Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX These discrepancies and violations have left me in a state of immense distress. The consequences of these inaccuracies have affected my ability to secure loans, purchase a home, and even find employment opportunities. The emotional toll this has taken on my life is immeasurable.
I implore the Consumer Financial Protection Bureau to take immediate action to ensure that these violations are rectified. I request that you enforce my legal rights as a consumer and facilitate the removal of the unauthorized inquiries and unverified account information from my credit report. These issues are not only a violation of my rights but have caused immeasurable damage to my personal and financial well-being.
I kindly ask that you thoroughly investigate the violations I have outlined above and take the necessary steps to ensure that these discrepancies are corrected and that justice is served. I am willing to provide any additional documentation or information that you may require to resolve these matters promptly.
Thank you for your attention to this matter. I am hopeful that, with your assistance, I can restore my financial integrity and regain the opportunities that have been unfairly denied to me.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92880 | null | Consent provided | Web | 2023-08-14 | Closed with explanation | Yes | null | 7,398,164 |
2019-11-01 | 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/2019, I contacted XXXX XXXX to schedule a house cleaning. During that initial phone conversation I gave them a specific, detailed list of what was to be cleaned. At their advice, we contracted with XXXX and cleaning was scheduled for XX/XX/2019. ( When I initially spoke with XXXX they said the job would take 6-man hours. They made that determination without ever setting foot in my home. At that time I told XXXX it was impossible to complete the items I wanted cleaned in that timeframe. I was assured the person scheduling the cleaning knew what she was doing and six hours was sufficient. ) On XX/XX/2019 a three-person crew arrived at my home. According to XXXX, the crew chief, one of the three people was a trainee and could not be left unsupervised. ( It should be noted that I have correspondence from XXXX that specifically states, Each staff member has had extensive orientation and training prior to servicing your home. ) The crew chief acknowledged that there was no way to complete the work I contracted for in the time allowed. Additionally, the crew chief told me that some of the work I specifically contracted for is not cleaning that XXXX provides. The work was NOT completed satisfactorily. Both the crew chief and I called XXXX that day to express our concerns but we were not able to make contact while the cleaning crew was at my home. I expressed my dissatisfaction before the crew left my home. That same afternoon I reached out to XXXX XXXX to express my dissatisfaction. They were able to read to me over the phone the specific items I had requested and had contracted to be completed. XXXX XXXX understood my frustration and told me they would make it right. Later that day I spoke with XXXX from XXXX who refused to send out a team to complete the work and took no responsibility for the poor, incomplete job that had been done. However, the information XXXX sent me states, We are so confident in our service, we guarantee it. If you are not satisfied with a certain area of your home, simply call us within 24 hours and we will re-clean the area for free. On XX/XX/2019, I reached out to XXXX to dispute the charge on my credit card statement. I left a message for XXXX and received no response. On XX/XX/2019 I spoke with XXXX XXXX who reached out to XXXX and assured me I would be receiving a call from XXXX that afternoon. XXXX, from XXXX, called that afternoon and stated they are only responsible for estimates and scheduling. She would send an email to the manager, XXXX, at the local XXXX XXXX location. On XX/XX/XXXX I received confirmation from Comenity bank that our dispute had been received. On XX/XX/2019 I reached out to XXXX XXXX and requested documentation of our XX/XX/XXXX phone conversation outlining the specific work I contracted XXXX to complete. That information was never received. On XX/XX/2019, I called back to XXXX XXXX and was advised I had to send a request in writing in order to receive the transcript of the XX/XX/XXXX phone call. I sent that request on XX/XX/2019. On XX/XX/XXXX I received a letter from a Corporate Paralegal at XXXX XXXX stating they require our investigating bank to send them a request, on their letterhead, detailing exactly what information they require XXXX XXXX to provide. I have been in contact with Comenity Bank on multiple occasions attempting to dispute the charge. I received multiple form letters in response stating our dispute was received, requesting further information ( which was provided multiple times both over the phone and in writing ) and ultimately that Comenity is unable to send communication to any third parties as you requested and that the dispute was concluded. My frustration is that I was billed for services that were not completed and Comenity Bank is refusing to contact XXXX XXXX to obtain the documentation necessary to fully investigate my dispute. | null | Bread Financial Holdings, Inc. | MD | 21012 | Servicemember | Consent provided | Web | 2019-11-01 | Closed with explanation | Yes | null | 3,425,510 |
2020-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE. | null | EQUIFAX, INC. | TN | 37167 | null | Consent provided | Web | 2020-12-28 | Closed with explanation | Yes | null | 4,035,179 |
2019-12-07 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/XX/2019 I sent a challenge letter to XXXX and XXXX in regards to erroneous information being reported on my credit file. I explained to them that I do not, nor have I ever entered a contract with GC Services of XXXX, Texas. Today is XX/XX/2019 and each respective agency has not validated nor contacted me via mail regarding the result of my request.
Please be advised that I was exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.
On the contrary, on XX/XX/2019 I received notice from the collection agency, not validating the debt according to my rights under the FCRA. They instead sent be billing statements, which do not bear any signatures, written consent, evidence of verbal consent on my behalf. Also, they are attempting to collect 2 different amounts and have contradictory information reported to the bureaus as well. GC Services, XXXX, and XXXX have all failed to properly validate this debt as being mine, but are still reporting this on my credit file which is affecting my ability to obtain credit. | null | ORG GC GP Buyer, LLC | LA | 70506 | null | Consent provided | Web | 2019-12-07 | Closed with explanation | Yes | null | 3,461,502 |
2021-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. XXXX is the company that is reporting this to XXXX and Transunion. As well as XXXX XXXX XXXX is also reporting falsely. They removed it on XXXX but they were not able to remove it on XXXX and TransUnion. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.
However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 | Company believes complaint caused principally by actions of third party outside the control or direction of the company | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CT | 06033 | Older American | Consent provided | Web | 2021-11-11 | Closed with explanation | Yes | null | 4,901,272 |
2021-06-27 | Debt collection | Mortgage debt | False statements or representation | Attempted to collect wrong amount | Yes I received explanation from XXXX counsel and the facts presented were different from the dealings. Below are my explanation of what transpired that was not discussed or intentionally misrepresented.
My response to XXXX XXXX, XXXX XXXX : XXXX simply dont want to stay with the true story relating to equity line of credit of {$25000.00} I obtained and secured by XXXX XXXX XXXX XXXX not open-end mortgage loan. I was approved for HELOC loan with a limit of {$68000.00}. Unfortunately, XXXX dubiously recorded the full approved line of credit as a lien against the property instead of {$25000.00} I was allowed to drawn from the account. On XXXX XXXX improperly assigned the notes to XXXX XXXX with the loan amount of {$68000.00} secured by the property. The most disturbing was the concealment of the material facts as the XXXX counsel response failed to mention the chapter XXXX bankruptcy I filed in XX/XX/XXXX. On XX/XX/XXXX, the HELOC loan was transferred to XXXX XXXX and assigned to XXXX XXXX simultaneously. I have no knowledge about the exhibit D document presented by the counsel. XXXX XXXX and XXXX shares the same business center in Delaware and they connived to attempt to dubiously take my property at all cost. Shortly after, without any foreclosure notification. XXXX XXXX file mortgage foreclosure action in XXXX. On the day, I received the complaint when bankruptcy was still active, I immediately prepared my response to the complaints. On the last day I was supposed to file my response a default judgment was entered for about {$43000.00} covering all legal fees, interest, escrow account and penalties. XXXX XXXX and the attorney immediately filed petition for sheriffs sale but couldnt effect the sale because my bankruptcy action was still active. I started my negotiations with XXXXXXXX XXXX to resolve the payment of the judgment. Suddenly and unexpectedly, XXXX XXXX XXXX XXXX XXXX began to communicate with me to request for mortgage payments from XXXX including all the amount that was previously calculated XXXX XXXX to get judgment through the same Attorney presently representing XXXX XXXX XXXX and XXXX XXXX. Consequently, XXXX XXXX XXXX and XXXX XXXX started creating another fictitious accounts, legal fees, foreclosure fees, inspection fees, penalties of all kinds to the extent the payoff balance currently stands as {$66000.00}. In other to hide the truth XXXX XXXX desperately held back every information I requested that would help me avoid the sheriffs sales the attorney manipulated to take on XX/XX/XXXX and no further extension would allowed by the order of the court. In actuality the sheriffs sales was obtained by XXXX XXXX for XXXX XXXX of about {$43000.00} as docketed.
As a real estate broker of over 20 years experience, I havent witnessed any transaction of this type before now. I look forward to here your response to this concern.
As for the second property located at XXXX XXXX XXXX XXXX. You addressed it appropriately as long as it on record the way you described it.
Please help to obtain justice of the case of property referenced above as XXXX XXXX XXXX XXXX which I recently spent {$35000.00} to update so that I can move in as my primary residence. I hope you can stop XXXX and XXXX XXXX XXXX XXXX not to steal my property for the sake of justice and fairness.
HISTORY : PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX reply addressing your response to the complaint filed about XXXX XXXX XXXX street-Owned by XXXX XXXX XXXX and XXXX XXXX was granted POA to manage the property and XXXX have full knowledge of the facts.
First, I want to mention that it is very disheartening for you not to be informed by XXXX about the foreclosure action filed by XXXX. Many hearings was heard at the common pleas court of Pennsylvania before judgment was entered against XXXX XXXX XXXX. XXXX filed a motion for reconsideration and waited but all to no avail. Until recently, we received correspondence from unknown entity about the property seeking to purchase it. By research, we noticed that the property was sold in sheriffs sale. XXXX XXXX XXXX and myself had no knowledge of events XXXX attorney mentioned on his response. The only event we recollected was when XXXX XXXX XXXX XXXX XXXX became the servicer and they obtained foreclosure judgment. The judgment was not enforced before XXXX XXXX filed a motion for reconsideration. Thats the only events we have knowledge of. All other events that took place by assignment of mortgage fraudulently to FHA entity to collect the judgment amount, scheduling for sheriffs sale and other activities that took place were done without our knowledge. XXXX offered XXXX XXXX XXXX no opportunity to redeem her primary residence property after the foreclosure judgment was entered nor wait to hear decisions on the motion for reconsideration we filed.
In the same way, I must state that as a real estate broker in business for over 20 years. I havent witnessed any similar transaction of this type before. I hope justice will prevail at last after confirming the facts stated herein.
Sincerely yours, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | PA | XXXXX | null | Consent provided | Web | 2021-06-28 | Closed with explanation | Yes | null | 4,495,020 |
2018-10-25 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Local VA clinic sent me to XXXX Hospital in XXXX, Florida. They assured me that the VA would pay for it. Now I am being advised by credit agencies that two doctor bills and a hospital bill are unpaid and they are ruining my credit. My rating has fallen over 150 points in the last two months! HELP!!! | null | Capio Partners, LLC | FL | 34974 | Older American, Servicemember | Consent provided | Web | 2018-10-25 | Closed with non-monetary relief | Yes | null | 3,056,639 |
2023-02-09 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | I received multiple overdraft fees on automatic payments that could have and should have been denied in the month of XXXX. Also, the payments did not post, and I had to pay a return fee to the merchants. After my account had already been overdrawn they allowed more overdrafts of XXXX. After that more overdraft fees were added to items that were paid when I still had the money in my account. My account has been closed and I am being told I owe around {$700.00}. I am no longer able to access my account information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | GA | 308XX | null | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,552,901 |
2023-03-09 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | Hey there, I have a Care Credit card from Synchrony bank and I recently started using it for my pet 's vet bills. I was going to pay off the full balance recently, however, I looked over the activity to verify everything was there. I noticed there was a " Card Security '' fee that was charged 6 times that ranged from XXXX dollars. The total from this charge was around XXXX. I do not remember signing up for card security as this card was set up in XXXX of 2014. As a general rule, I never opt in for the " Card Security '' that credit cards offer. I tried calling to cancel however, the phone number on the charge would not answer. I then tried calling the Synchrony credit customer service and they could not verify my address from 2014 when I listed all my addresses and phone number. They said they would escalate the issue and have someone call me back in a couple days but no one has reached out. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 32738 | null | Consent provided | Web | 2023-04-06 | Closed with monetary relief | Yes | null | 6,664,294 |
2023-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | SC | 29406 | null | Consent provided | Web | 2023-06-01 | Closed with non-monetary relief | Yes | null | 7,059,422 |
2022-02-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Consumer Reporting act XXXX allege 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28348 | null | Consent provided | Web | 2022-02-27 | Closed with explanation | Yes | null | 5,266,646 |
2021-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I mailed letters to the credit agencies and nothing happened.
I have inquiries that I did not authorized.
I have wrong names and addresses that do not belong to me.
There are late payments and other accounts that are reported late and charged off that are not true.
I see an account that does not belong to me. | null | EQUIFAX, INC. | TX | 795XX | null | Consent provided | Web | 2021-04-20 | Closed with explanation | Yes | null | 4,312,557 |
2023-06-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | Medical debt from a car accident was paid by Insurance company but not recorded properly. Was then transferred to a debt collection agency ( ARC Management Group , LLC ) who was contacted by the insurance company at that time. Almost a year later a credit account with XXXX was opened in my name for the amount of this bill and is reflected on my credit report.
How can they use my SSN from my medical records to open an account in my name? | Company believes it acted appropriately as authorized by contract or law | ARC Management Group, LLC | NY | XXXXX | null | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,084,018 |
2019-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, Georgia and I reside in XXXX Michigan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48075 | null | Consent provided | Web | 2019-11-05 | Closed with explanation | Yes | null | 3,429,688 |
2022-02-16 | Credit card or prepaid card | Store credit card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | A {$89.00} payment was not posted to my account back on XX/XX/XXXX for the amount of {$89.00}. However, they have cashed that payment of {$89.00} and never posted it to the account. I have called Synchrony Bank about this dispute numerous times and have spoken with many different representatives and was finally told in XXXX of XXXX that it was being applied to my account and that my new balance on the account was {$41.00}. I called in XXXX to request all my statements and was mailed 91 pages and I went through every single statement that they sent me to make sure I wasn't overpaying and saw that my {$89.00} payment on XX/XX/XXXX never got posted to my account back in XXXX. When I spoke to XXXX the representative in XX/XX/XXXX as well as numerous other representatives about this discrepancy, she told me the {$89.00} was going to be credited to my account and my new balance was {$41.00}. So, on XX/XX/XXXX, when I got paid, I mailed a money order in the amount of {$41.00} and wrote the words " PAID IN FULL '' on the memo portion of the check along with the account number. They cashed and applied that payment to my account. ( I also have disputed this with the credit bureaus as well. ) Yesterday XX/XX/XXXX I received an email from Synchrony bank asking if I missed my payment and saw that the {$89.00} was posted back to my account! I do not owe that money to them and this account is Paid in Full! By law, " payment in full '' will discharge the debtor 's obligation entirely, under the legal doctrine of " accord and satisfaction ''. Tendering of a check marked " payment in full '' or " paid in full '' is an offer to settle the debt of an amount different than what the parties ' contract says. Cashing the check is considered to be acceptance of the offer and extinguishes the debt. In order to be effective, the words must be clear and conspicuous on the check. There must be no doubt that the debtor intends the check to settle the debt entirely which I have done. ( This is quoted from the XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). I understand once a check is cashed and deposited to my account when with said words " PAID IN FULL '', my obligation has been met, and this agreement has now been closed and paid in full. The odd thing about that {$89.00} credit that they said would be applied to my account in XX/XX/XXXX was posted to my account was then marked as posted on XX/XX/XXXX, WHY? Why was it posted in XXXX when I contacted them in XX/XX/XXXX about this? Something is not adding up correctly and my Excellent Credit is now going in the opposite direction because of this dispute and that makes me furious. I pay every bill on time on the XXXX of every month when I receive my XXXX check. I have outstanding credit and pay my bills on time every month. I take great care of my obligations and I am proud of that. I also have checked the XXXX and this company has many discrepancies against them. I will also be filing this with the XXXX as I am very stressed out about this situation. Every time I call Synchrony Bank, I get different answers and excuses and it's very aggravating to say the least. I'm hoping that this gets resolved in a timely manner as my credit is dropping significantly because of their error. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | RI | 028XX | null | Consent provided | Web | 2022-02-16 | Closed with explanation | Yes | null | 5,229,964 |
2022-02-05 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | Someone got into my bank account and changed my address. They made transfers from my sons linked account for {$5000.00}. They expedited a new ATM card to the new address. My savings was transferred to my checking they made XXXX withdraws for {$11000.00}. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | OK | 731XX | Servicemember | Consent provided | Web | 2022-02-05 | Closed with monetary relief | Yes | null | 5,187,452 |
2021-10-27 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | I made a purchase on XX/XX/XXXX for {$44.00} at XXXX. Because of credits on my account my closing balance for XX/XX/XXXX was {$23.00}. I never received my statement and forgot to pay the account. I paid {$49.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) and {$2.00} on XX/XX/XXXX ( due date XX/XX/XXXX. Therefore for a balance of {$23.00}, I paid {$27.00} in fees and interest. I have never been late on this account.
I realize this is a very small issue and amount. However, I believe their charges were totally unreasonable. I realize that my not receiving the statement does not exonerate this company from billing me late fees/interest. To bill me {$27.00} for a balance of {$23.00} that was paid within 52 days of this purchase is outrageous based on my credit history since XXXX with this credit cad issuer. | null | Bread Financial Holdings, Inc. | PA | XXXXX | Older American | Consent provided | Web | 2021-10-27 | Closed with explanation | Yes | null | 4,849,116 |
2022-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 342XX | null | Consent provided | Web | 2022-04-13 | Closed with explanation | Yes | null | 5,445,402 |
2023-08-13 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | I am writing to delete incorrect inquiries from my credit report. I did not apply for the credit cards listed and need them removed as soon as possible. I am a victim of identity theft and did not make the change. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 49022 | null | Consent provided | Web | 2023-08-13 | Closed with non-monetary relief | Yes | null | 7,395,166 |
2022-06-16 | 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 Reporting Act XXXX XXXX BANK XXXX Has violated my rights 15 U.S.C. 1681 Section 602 A States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2. It also States a Consumer Reporting Agency Can not Furnish a Account with my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 486XX | null | Consent provided | Web | 2022-06-16 | Closed with non-monetary relief | Yes | null | 5,674,087 |
2020-10-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account.
The account number is XXXX ( {$2300.00} ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 806XX | null | Consent provided | Web | 2020-10-08 | Closed with explanation | Yes | null | 3,889,351 |
2021-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 60620 | null | Consent provided | Web | 2021-03-29 | Closed with non-monetary relief | Yes | null | 4,255,029 |
2018-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Equifax continues to neglect to properly investigate inaccurate information thats being reported to my credit file. I've sent police reports and fraud affidavits to Equifax to help aid in correcting the issue but Equifax continues to ignore information and not correct. XXXX XXXX and XXXX XXXX XXXX is a direct result of ID Theft. | null | EQUIFAX, INC. | CA | XXXXX | null | Consent provided | Web | 2018-03-19 | Closed with explanation | Yes | null | 2,847,496 |
2022-02-25 | 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 and Im a consumer/ natural person submitting this complaint on the behalf of myself without any involvement or influence from a third party.
TransUnion committed fraud on my consumer report and I did not consent, nor authorize these unauthorized accounts nor hard inquiries on my report, I demand that TransUnion remove the unauthorized accounts and hard inquiries immediately thats shown in the attachments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 38637 | null | Consent provided | Web | 2022-02-25 | Closed with non-monetary relief | Yes | null | 5,262,737 |
2022-03-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Fraudulent inquiries and inaccurate account information | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94806 | null | Consent provided | Web | 2022-03-26 | Closed with non-monetary relief | Yes | null | 5,372,130 |
2021-10-29 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to THE 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33178 | null | Consent provided | Web | 2021-10-29 | Closed with non-monetary relief | Yes | null | 4,857,682 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXXXXXX XXXX XXXXXXXX Reported XXXX late payments in XXXX for this Education ( Student Loan ) account but, per the Federal Government ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) there were no student loan payments due in all of XXXX, making these XXXX late payments on my credit report not only inaccurate but impossible. They have declined to correct this error a total of XXXX times now, XXXX through XXXX & XXXX through Experian disputes.
Incorrect payments reported as XXXX days late XX/XX/2022 & XXXX days late XX/XX/2022. No 30 day report is included which is also INCONSISTENT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | UT | 84790 | Servicemember | Consent provided | Web | 2023-05-09 | Closed with non-monetary relief | Yes | null | 6,954,098 |
2023-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33183 | null | Consent provided | Web | 2023-04-21 | Closed with non-monetary relief | Yes | null | 6,870,936 |
2021-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. PREMIUM CREDIT BUREAU Inquiry : XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. | null | Premium Credit Bureau | NC | XXXXX | null | Consent provided | Web | 2021-01-27 | Closed with explanation | Yes | null | 4,097,562 |
2023-05-21 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | For the past 3 years, both my wife and I have repeatedly been reported as in collections with ZIONS DEBT HOLDINGS LLC for a debt that was settled with our previous home security provider, XXXX.
- Account with XXXX was cancelled on XX/XX/2017.
- Auto withdrawl from " XXXX XXXX XXXX '' was collected on XX/XX/2017 for {$31.00}.
- Check # XXXX for {$31.00} was cashed by XXXX, memo on check stated, " If cashed, balance is paid in full. '' - XXXX hasn't contacted us via email, phone, or letter to support collections. They only appear on our credit reports for each bureau every 6 months.
We constantly dispute this debt collection with each of the credit bureaus that have it listed. Once disputed, it is removed, but 4-6 months later it is reported again. Each time it is reported we receive up to XXXX points deduction from our credit scores as a result of this collection. However once it is removed, it takes us months to build that score back up. How can we ensure that Zions Debt Holdings, LLC stops harassing us and damaging our credit for something that was paid in full and was never in collections to begin with as we cancelled our contract with XXXX? | Company disputes the facts presented in the complaint | Zions Debt Holdings | CO | 80104 | null | Consent provided | Web | 2023-05-23 | Closed with explanation | Yes | null | 7,008,089 |
2022-05-25 | 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 XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75071 | null | Consent provided | Web | 2022-05-25 | Closed with non-monetary relief | Yes | null | 5,600,768 |
2023-02-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party! | null | EQUIFAX, INC. | MO | 63301 | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,612,326 |
2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am at a complete loss of words the the lack of assistance and justification I had received in regards to a debt I do not even owe. On a XX/XX/2022, upon reviewing my credit report I noticed an account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several issues wrong with this debt. The first thing issue is that I have already reported this is a fraudulent account with the last debt collection that attempted to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Now here is another company attempting to collect the same debt previously confirmed as fraud. I also noticed that there obviously is some inaccurate reporting information wrong with this account as well such as the open date on XXXX reports as XXXX with the current status as account open while Experian is reported open date of XXXX with current status as closed. If you are going to place a fraud account that was opened as a result of identity theft at least report consistent information. I have written to XXXX XXXX XXXX and they sent documents saying this debt is valid but again provided me with the identity theft documents. Please help me get this fraud collection removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89110 | null | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | null | 6,281,017 |
2017-09-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have disputed this erroneous account numerous times before and provided documentation. They refused to investigate and correct their error. They are illegally reaging the deliquency of an account that should have been deleted years ago according to Experians own documents. The account is XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75115 | null | Consent provided | Web | 2017-09-26 | Closed with non-monetary relief | Yes | null | 2,684,488 |
2016-07-11 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | Nationwide Recovery Services has attempted to collect a debt I do n't owe them. I never establish a contract with this company and they reported negative items onto my credit reports for XXXX accounts # XXXX # XXXX # XXXX which is in violation of the FCRA. | null | Asset Management Outsourcing, Inc. | GA | 30165 | Servicemember | Consent provided | Web | 2016-07-11 | Closed with explanation | Yes | No | 2,007,383 |
2023-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX XXXX XXXX you are furnishing inaccurate information to the consumer reporting agencies.
Account no. is XXXX The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION ; a law or regulation forbidding something As Defined by the IRS Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition the IRS clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate.
You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
You are hereby put on notice that you are furnishing incorrect inaccurate information The lender must file Form XXXX and send you a copy if the amount of debt canceled is {$600.00} dollars or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter XXXX.
The above paragraph is taken directly from the IRS XXXX publication.
SEND ME MY FORM 1099-C that you should have sent when you filed the account as a canceled or charged off debt. My address is listed above.
In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information in fact is, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my Consumer report. Why would they send me a bill on a charged off account, especially just for a payment and not the whole amount.Despite XXXX written requests, the unverified items 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 mine and is correct.
In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).
Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | XXXXX | null | Consent provided | Web | 2023-08-17 | Closed with explanation | Yes | null | 7,417,054 |
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 | Their investigation did not fix an error on your report | Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : SELF / LEAD 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. | CA | 90278 | null | Consent provided | Web | 2022-03-03 | Closed with non-monetary relief | Yes | null | 5,279,950 |
2022-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | RE : 1.I don't remember being late on this account, please prove this!
XXXX XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
2.section XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX Account XXXX Please remove it from my credit report.
XXXX.section XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX Please investigate and delete from my credit report.
XXXX.section XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXXThe following information is outdated. I would like it removed from my credit history report account number XXXX ... ... ... XXXX XXXX XXXX balance XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX account number XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX & account number XXXX XX/XX/XXXX Consumer disputes- reinvestigation in progress, Collection account Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.
XXXX XXXX XXXX XXXX Wa XX/XX/XXXX XXXX XXXX XXXX XXXX account/was a collection account, insurance claim or government claim or was terminated for default Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Charge Off/Other Derog Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX days past due Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XXXX account XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX days delinquent XXXX XXXX XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX Credit Card XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX days delinquent Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX Paid account/was delinquent 60 days past due XXXX Please investigate and delete from my credit report.
XXXX XXXX you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry i also will like to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The late payments you have reported to the three credit bureaus.
My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require.
Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late.
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required XXXX day timeframe. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 303XX | null | Consent provided | Web | 2022-11-08 | Closed with explanation | Yes | null | 6,179,791 |
2015-05-27 | Debt collection | I do not know | Disclosure verification of debt | Not given enough info to verify debt | I have been receiving phone calls on my private cell phone from XXXXphone number.
I live in XXXX and it is a XXXX area code I do n't recognize.
They have never left a message, so, a XXXX ago I called back and askedthem to identify themselves, name of company, and what this is about.
They keep trying to seek verification from me. I will not unless they tell mewho they are and what this is about?. I am recently widowed and was hospitalized in XX/XX/XXXX-XX/XX/XXXX a number of time and deemed XXXX on XXXX.
This evening he called with this number XXXX and left a message threatening me with a lawyer.
I read your information and it states his suppose to mail me documentation after the initial contact. Which was a XXXX ago and I have not received. I do n't even know the name of the company or who the caller is. | null | Law Office of Mark L. Nichter, PC | FL | 33446 | null | Consent provided | Web | 2015-05-28 | Untimely response | No | No | 1,393,296 |
2023-03-04 | Checking or savings account | Checking account | Managing an account | Banking errors | I filed an EFT Dispute on XXXXXXXX XXXX, XXXX, TX requesting a full refund of a federally protected Administrative Fee of {$150.00} the apartment manager charged to my account, after denying my application. Federal consumer financial protection laws prohibit apartment complex owners and managers from keeping administrative fees after denying an application to lease. Frost granted a provisional credit, then reversed it taking the money out of my account. I am now overdrawn and have sent an EFT dispute demanding that they immediately return the funds to my account. I further reported that I would file this dispute with CFPB. | null | CULLEN/FROST BANKERS, INC. | TX | 75093 | Older American | Consent provided | Web | 2023-03-04 | Closed with explanation | Yes | null | 6,645,823 |
2022-07-12 | Debt collection | Auto debt | Communication tactics | Frequent or repeated calls | On XX/XX/XXXX she called at XXXX am and XXXX am.
On XX/XX/XXXX she called XXXXpm XXXXpm & XXXXpm On XX/XX/XXXX she called at XXXX am, XXXX am, XXXX PM, XXXXpm, XXXXpm and XXXX PM. I answered and I asked them to not call back to back and she refused to identify herself. She also said she will continue to call back to back because the sheriff needs to pick up the vehicle. Again she doesn't know who I am, and she isn't calling for me. She then tells me to XXXX the number and she hung up. These are just the latest encounters. They consistently call from their personal numbers and they curse and talk very condescending. | null | Tower Loan of Mississippi, Inc. | LA | 70403 | null | Consent provided | Web | 2022-07-12 | Closed with explanation | Yes | null | 5,762,779 |
2016-07-18 | Debt collection | Credit card | Cont'd attempts collect debt not owed | Debt was paid | On behalf of Citibank, a debt was settled through XXXX XXXX , XXXX . Some months later, XXXX XXXX XXXX , XXXX tried to collect the same debt. I wrote to XXXX XXXX explaining their error and received no response. XXXX XXXX continues to send mail demanding payment.
Attachments : 1. My letter of explanation to XXXX XXXX 2. XXXX XXXX 's demand for payment 3. Settlement letter from XXXX XXXX 4. Canceled check sent to XXXX XXXX with reverse stating " For Deposit Only, Citicorp Credit Services '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91311 | null | Consent provided | Web | 2016-07-18 | Closed with explanation | Yes | No | 2,016,222 |
2022-11-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accounts below has violated my friendly protected consumer rights to privacy and confidentiality under 15 USC 1681 right Account name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 A. States i have the rights to privacy 15 U.S.C 1681 A. Section 2 : it also States a consumer reporting agency can not establish an account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33860 | null | Consent provided | Web | 2022-11-14 | Closed with explanation | Yes | null | 6,198,249 |
2021-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | As a result of my contact with Macys corporate office of spite they reported my credit limit lower than what it was and its hurting my score. My credit limit was {$5000.00} and they are showing it as {$100.00}. COMPLETE XXXX!! According to the FCRA..reporting should be FAIR accurate, complete and verifiable. HOW IS THIS FAIR?!? This is grounds for a lawsuit. You changed my limit after i requested the account to be closed!
There was a discrepancy in my address. I asked the agent to update it and they didnt so i didnt receive the bill.
Macys refused to remove late fees even after they determined it was THEIR fault. My account was closed by a corporate agent who ALSO changed my credit limit with ALL three bureaus after they closed the account. THIS IS ILLEGAL!!
By law ( FCRA ) you are required to report accurate information. MY credit limit was NEVER {$100.00}.
you intentionally hurt my score out of discrimination towards me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | VA | 23234 | Servicemember | Consent provided | Web | 2021-02-09 | Closed with explanation | Yes | null | 4,128,489 |
2022-11-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense.
According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. | null | EQUIFAX, INC. | TN | 38018 | null | Consent provided | Web | 2022-11-06 | Closed with explanation | Yes | null | 6,169,075 |
2023-03-22 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | On XX/XX/XXXX, I applied and was approved for a Capital One Quicksilver credit card, with a promotional offer of 0 % introductory APR for purchases and balance transfers for the first 15 months of the account opening. The terms of this offer are confirmed in the Account Opening Disclosures letter attached.
However, I received the 0 % APR for purchases, but not for balance transfers. In fact, I am unable to conduct balance transfers at all.
I called Capital One credit card services on XX/XX/XXXX, and 21 regarding this issue. Each time, the representative said that Capital One is having a technical issue where new customers are not able to access their balance transfer offers and to call back in 24 hours if the problem persists. The problem has not been resolved, and the representatives say there is no estimated date of resolution. They also did not offer any extension on the promotional period for the time lost due to this issue.
On XX/XX/XXXX, I submitted an online request for the terms & agreements document for this credit card, also attached. According to that document, the APR for balance transfers is now 29.24 % with no introductory rate, completely contradicting the Account Opening Disclosure Letter.
During the XX/XX/XXXX call, the representative stated that it is possible that Capital One approved my initial application but later changed the terms of my promotional offer due to further findings in my credit report. However, I never received a notice of a new credit decision or an explanation for why my offer terms have been changed. I was also never given the opportunity to decide whether I would like to continue with opening an account under the new terms.
As I stated clearly to the representatives, the main reason I applied for this credit card was for the balance transfer introductory 0 % APR. If this issue is not resolved, I will have to pay interest charges on the balances that I would have transferred to the Quicksilver card. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 75234 | null | Consent provided | Web | 2023-03-22 | Closed with non-monetary relief | Yes | null | 6,726,301 |
2023-02-02 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | Kehoe Financial Group sent me a debt collection letter for traffic violations in XXXX XXXX stating it occurred in 2019. Theres no way to contest this bogus claim. On top of that they want me to send money to the company directly. Its a scam mail. | null | Kehoe Financial Group, LLC | CA | 95138 | null | Consent provided | Web | 2023-02-02 | Closed with explanation | Yes | null | 6,532,150 |
2021-07-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I leased my XXXX XXXX XXXX, XXXX : XXXX through XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX.
I have consistently made my payments each month since the lease began in XX/XX/XXXX. I received my end of lease instructions and made the decision to purchase my XXXX XXXX. I went in to the same XXXX dealership that I used to start the lease on XXXX XX/XX/XXXX. I logged into Honda Financial Services to get the payoff amount. I received loan approval through my bank, XXXX XXXX XXXX Bank. The bank released the funds as I signed all documents at XXXX XXXX XXXX XXXX XXXX and walked away owning the XXXX XXXX XXXX, XXXX : XXXX.
On XXXX XX/XX/XXXX, I was notified via a credit report alert that I missed a payment over 30 days from Honda Financial Services ( Account Number : XXXX ). I called Honda Financial Services who said they had not received the payment. I called XXXX XXXX XXXX and they said the check they mailed off had been returned multiple times. I called Honda Financial Services multiple times to keep them updated of my conversations with XXXX XXXX XXXX. At the same time I already was making my payments on my auto load through XXXX.
I completed my end of the transaction, making payment on XXXX XX/XX/XXXX for the payoff amount as instructed. I understand that XXXX XXXX XXXX XXXX XXXX and Honda Financial Services may have had some miscommunications but I asked that the missed payment be deleted from my credit report and that it reflect that I made my last payment on XXXX XX/XX/XXXX when my bank released the funds to XXXX. I further request that any late payment fees and penalties be removed from my account from after XXXX XX/XX/XXXX.
I sent a letter to both XXXX and Honda Financial Services. They both requested I get a letter from the dealership which I did. The Dealership letter and the sales contract both saying i met my financial liability should have been enough to correct my report but as of today my report is still not correct. It is reported that I didn't make a payment in XXXX, was 30 days late for XXXX and not closed until XXXX. I sent them both a letter again showing my regular payment of {$450.00} was made on XXXX XX/XX/XXXX and that I made my final payment of {$20000.00} on XXXX XX/XX/XXXX. I have sent letters and all the evidence to validate my case, provided everything they have asked for and my credit file is still not fixed. This is a gross violation of consumer rights for them to ignore all my requests when I paid everything as agreed and followed all of the protocols and instructions. I will attached everything I have submitted.
XXXX XXXX XXXX XXXX XXXX. Box XXXX XXXX, TX XXXX ( XXXX ) XXXX American Honda Financial Corporation Credit Reporting Dispute XXXX. XXXX XXXX XXXX, TX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX | null | AMERICAN HONDA FINANCE CORP | CA | 95632 | Servicemember | Consent provided | Web | 2021-07-16 | Closed with non-monetary relief | Yes | null | 4,550,007 |
2019-05-25 | 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, yet I am having a hard time getting the CRA 's to honor my dispute. My FTC ID Theft Affidavit attached. Please block the Fraudulent accounts listed to the attached, per 605B of the Fair Credit Reporting Act. | null | EQUIFAX, INC. | FL | 33584 | null | Consent provided | Web | 2019-05-25 | Closed with non-monetary relief | Yes | null | 3,253,836 |
2021-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint. | null | General Motors Financial Company, Inc. | TX | 75010 | null | Consent provided | Web | 2021-05-29 | Closed with explanation | Yes | null | 4,415,045 |
2020-12-02 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}. | null | AFNI INC. | LA | 70068 | null | Consent provided | Web | 2020-12-02 | Closed with explanation | Yes | null | 3,986,188 |
2022-03-14 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | I do not owe debt as claimed by a XXXX XXXX collection agency. I have spoken to agent who has agreed to remove this debt. However, I have had recurring of debt being removed but re-reported numerous times into my credit files. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | OH | 43232 | null | Consent provided | Web | 2022-04-01 | Closed with explanation | Yes | null | 5,319,381 |
2023-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11763 | null | Consent provided | Web | 2023-07-12 | Closed with non-monetary relief | Yes | null | 7,239,504 |
2022-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXXXXXX XXXX is trying to collect a debt that they can not validate as mine. They refuse to provide copies of original contract and bill outlining the alleged balance and are reporting the account as open when it is closed meaning inaccurate information to XXXX and Equifax. The credit amount owed is incorrect and has not been validated. I never signed a contract. They refuse to provide or show any proof of contract showing tht the debt was ever mine. Id like it to be removed from my credit reports and for the bureaus to delete this from my account | null | EQUIFAX, INC. | FL | 33328 | null | Consent provided | Web | 2022-10-26 | Closed with explanation | Yes | null | 6,132,699 |
2022-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The following company never proved their methods of verification through several stages of written credit disputes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX this company then illegally sold my information to another credit company in the process of these letters being sent ) XXXX XXXX XXXX BANK -Attorney General-Child support -Dept of Ed/XXXX XXXX Options XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Of Missouri Ret The letters that were sent out are as follows : dispute letter XXXX XXXX mailed on XX/XX/XXXX and received on XX/XX/XXXX XXXX letter XXXX XXXX no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter XXXX -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # XXXX mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23669 | Servicemember | Consent provided | Web | 2022-05-01 | Closed with non-monetary relief | Yes | null | 5,521,754 |
2020-07-21 | 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 | > My mortgage loan was transferred to HomeLoanServ in XXXX of 2020. I thought I set up an electronic account and autopay to begin automatic payments in XXXX. When I checked in to it at the beginning of XXXX, I realized that no payment had been made for XXXX. I spoke with a representative on XX/XX/XXXX. I asked that rep to help me with my online account and to make sure my electronic payment was good to go.
> XXXX. XXXX. School Closures. XXXX. I am a middle school teacher. XXXX -- OMG! The mortgage had not been paid. I called HomeLoanServ for help. I received a message encouraging me to use their online resources instead of waiting for a representative. I waited. Another message told me that I'd be charged for using a real person instead of going the online route. Still, I waited. This was bad. I am not accustomed to missing payments. The elevator music stopped playing. I thought I had been disconnected. Nope. Now, I think the company hopes people will hang up.
> The repXXXX who took my call on XX/XX/XXXX was very helpful. She informed me that I could not make late payments and sign up for future auto payments on the same date. That information had not been passed on to me in XXXX. In XXXX, I had been told I was good to go. My visit on XX/XX/XXXX was productive. I thought. In my XX/XX/XXXX convo, I told the rep I was especially concerned about these late payments affecting my credit. She led me to believe that I needn't worry about that -- it was all fixed.
> The XXXX payment was on time. Auto payment occurred on time XX/XX/XXXX. XX/XX/XXXX, a lender informed me that a previously approved loan could not go through because my XXXX XXXX had dropped significantly. Once again, I called HomeLoanServ.
XXXX XXXX XX/XX/XXXX, today, I first spoke with XXXX. She was kind and helpful. She listened to my story and admitted she could do little to help me, perhaps her team lead could. She passed me on to XXXX. ( I think that was her name. ) XXXX seemed on the defense as soon as our conversation began. I admit that paying the mortgage on time is my responsibility. I asked if she could somehow help me convey to the loan company that it was not a shortage of funds or a refusal to pay that led to my late payments. It was a misunderstanding of information given to me when I requested help in XXXX. I asked if she could help me inform the loan company that I am currently in good standing and paid in full. I don't know how many times she repeated, " we have done our due diligence '' and did our best to inform you of your account 's standing.
> She said they had tried to call me. They might have, but I did not speak to anyone. If a phone number came up that I did not recognize, I'm sure I did not answer it. There were many warnings of scams and cons during the pandemic quarantine. I did not receive any written notices on time because the company did not have my current mailing address. I agreed with XXXX that they had done what they could with the information they had, but I still needed help. Could she provide any information to my loan officer that would suggest I had the means to pay on time, but not the where-with-all? Again, she reminded me that they had done their due diligence. She said I could talk with her supervisor. I said that would be great, I'd like to do that. Maybe the supervisor could send an email? She put me through to a voice mail that said someone would do their best to get back to me in the next XXXX hours. Ugh! Not a person.
> I took a little breather and tried again. From the start. I called HomeLoanServ, listened to the menu, pushed zero, listened to the menu ... hello? I now had XXXX on the line. I received a similar, but polite line of reasoning and help. I asked if I could get the transcript of my previous phone conversations. I would like to read them and see if I was just remembering the conversation incorrectly. The ones on XX/XX/XXXX and XX/XX/XXXX. She put me on hold while she checked with her lead. Do you think it was XXXX? When XXXX returned she told me that I'd need a subpoena to have access to the transcripts. Seriously?
> I do not feel like this financial company provided me with the help and information I needed when I asked. I feel that the misinformation I was given, led to more problems and late payments. Those late payments led to automated negative credit reports that have seriously screwed with my life. When I turned to the company to help remedy the situation, I found deaf ears.
> I did not request forbearance during our nation 's crisis. I budgeted appropriately and was able and willing to make my payments. I just needed guidance. The guidance that I sought and then was misled. I do not think the representative that initially helped me meant to send me down this miserable wormhole. Perhaps I misheard her. The quarantine was a tiresome window of time. I don't think the rep I spoke with when I called the second time in XXXX meant to give me false hope for my credit. I think my efforts to reach out for help and willingness to be paid in full attest to the sincerity of my dilemma. I do not think the leaders of this financial institution care beans about my XXXX XXXX, me as a person, or the predicament I have been placed in due to their careless guidance. I think that is sad.
> I know making the payment on time was and is my responsibility. I fell short and did my best to remediate as soon as possible. I also believe that painting an accurate picture of one 's payment history for their credit is one of HomeLoanServ 's responsibilities. They take no ownership for the part they played. I asked for help and a dismissal instead. | Company believes it acted appropriately as authorized by contract or law | Idaho Housing And Finance Association | ID | 83404 | null | Consent provided | Web | 2020-07-23 | Closed with explanation | Yes | null | 3,755,251 |
2021-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Pursuant to 15 USC 1681a ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter XXXX. | null | EQUIFAX, INC. | FL | 33603 | null | Consent provided | Web | 2021-07-12 | Closed with explanation | Yes | null | 4,535,475 |
2023-04-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX acct # XXXX and XXXX acct # XXXX, has violated my rights. 15 USC 1681 section 604 A Section 2 also states consumer reporting agencies can not furnish a account without my written instructions. 15 USC 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 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | TN | 37211 | null | Consent provided | Web | 2023-04-05 | Closed with explanation | Yes | null | 6,790,863 |
2021-06-11 | Debt collection | Medical debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I went to XXXX XXXX XXXX Hospital back around XX/XX/2016 I was treated for wrong service. The hospital waived the bill but the dr bill has been on all 3 of my credit reports and has been in debt collection with transworld systems. I have disputed this item several times. They tell me we can keep it in dispute but it has to stay on your credit report to damage my credit. This is not fair to me. You can check with the hospital their bill was waived. I'm trying to get a mortgage and this account is adversley affecting me. I will not pay for services that were provided that were not the right services. If the hospital agreed I don't see why this should be on all 3 of my reports damaging my credit. I am begging you to please remove ASAP from all 3 reports. If not I am going to now get an attorney involved and prove the case. The hospital dropped their end right in 2016. I am XXXX and being taken advantage of. The amount is for {$1400.00} on XX/XX/2016 | null | TRANSWORLD SYSTEMS INC | CT | 06705 | Servicemember | Consent provided | Web | 2021-06-11 | Closed with explanation | Yes | null | 4,451,819 |
2018-12-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Child support is still showing on my credit report, however the credit agencies should not be reporting such .Reason being is I have a court order inwhich states these facts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 622XX | null | Consent provided | Web | 2018-12-08 | Closed with explanation | Yes | null | 3,094,755 |
2017-02-28 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | Navient has had a glitch in their system for 3 years, which I just found today, that shows that I owe {$0.00} each month on a specific loan. Where in actuality, I owe a specific amount each month and am being charged a very high interest rate and they are just sitting there collecting the accrued interest and money that I will someday have to pay back. I called and asked about this issue and they told me that it shows that I owe a certain amount each month and that it is in fact a glitch on their part. I asked them if they are going to waive the past 3 years of interest it accrued unbeknownst to me and he told me No, that it was my fault for not catching it sooner and that it specifically tells me each month on my statement that that amount is due. So I pull up the statement and it shows the loan, but everything says {$0.00} and every time I would go and try to pay on those loans as a group, it would always tell me there was {$0.00} to pay on it. I just assumed that it was the loan I paid in full a few years ago and showing that I owed {$0.00} on it. This is not the first time that something like this has happened with them. They have repeatedly wrongly allocated payments and charged me late fees, pushed me into forbearance multiple times, denied my release of cosigner after they told me I would be approved, caused confusion from their terrible user navigation on their website and automated phone system, locked me out online, and now this shady business of a " glitch '' in their system that they claim is my fault. I wish I would have never done business with them. It 's funny how easy they make giving you money and how hard they make it to repay them. They have caused so much stress to my life these past 5 years and I am currently seeking how to not have to do business with their company anymore. | null | Navient Solutions, LLC. | MO | 65401 | null | Consent provided | Web | 2017-02-28 | Closed with explanation | Yes | No | 2,365,181 |
2020-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The companies are reporting inaccurate information | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60621 | null | Consent provided | Web | 2020-06-17 | Closed with explanation | Yes | null | 3,702,185 |
2022-04-29 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | A Wells Fargo checking account was opened in my name on XX/XX/2022 and then closed on XX/XX/2022 without my consent for either. I called Wells Fargo and they would not provide me any details on what branch the account was opened at nor what the reasoning for the closure was. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | IL | 604XX | null | Consent provided | Web | 2022-04-29 | Closed with explanation | Yes | null | 5,518,400 |
2023-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DC | 200XX | null | Consent provided | Web | 2023-02-24 | Closed with non-monetary relief | Yes | null | 6,606,363 |
2023-08-31 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue. | null | PORTFOLIO RECOVERY ASSOCIATES INC | FL | 347XX | null | Consent provided | Web | 2023-08-31 | Closed with non-monetary relief | Yes | null | 7,481,403 |
2022-07-18 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I was in XXXX XXXX from XX/XX/XXXX until the morning of XX/XX/XXXX, and my debit card was stolen. I didnt realize that my card was missing until XX/XX/XXXX afternoon. By that time, someone used my debit card in over a dozen locations, totaling over {$1100.00} dollars spent in less than 24 hours. They didnt have my pin and were using it like a debit card, Valley had no internal controls in place and never froze the card or blocked a transaction. When I called to dispute, I received a letter 10 days later from XXXX XXXX stating that my statements were inconsistent and that I can call back to appeal. Over a month since the letter has passed, I tried calling her hundreds of times and always go straight to voicemail. I am disgusted by the customer care at this bank, I am XXXX XXXX XXXX and had an account with them since I was an XXXX and this is my first ever dispute | null | VALLEY NATIONAL BANCORP | NJ | 076XX | null | Consent provided | Web | 2022-07-18 | Closed with monetary relief | Yes | null | 5,784,000 |
2022-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX | null | EQUIFAX, INC. | PA | 15235 | null | Consent provided | Web | 2022-02-15 | Closed with explanation | Yes | null | 5,221,835 |
2018-09-06 | 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 4 accounts have been opened using my personal information that I did not authorize. I have contacted these companies and they can not provide any contract bearing my signature that I have an obligation to their company or anyone they represent. These accounts are a result of identity theft.
Consumer mortgage in the amount of {$6000.00} XXXX XXXX in the amount of {$400.00} XXXX XXXX in the amount of {$370.00} XXXX XXXX in the amount of {$610.00} Please delete and block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information.
I appreciate your prompt attention to this matter, and await your reply. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77539 | null | Consent provided | Web | 2018-09-06 | Closed with explanation | Yes | null | 3,011,502 |
2019-09-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Please remove accounts which are do not belongs to me. ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33076 | null | Consent provided | Web | 2019-09-06 | Closed with non-monetary relief | Yes | null | 3,365,742 |
2023-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | The act of fraudulently obtaining and using another persons identifying information or personal financial documents, such as a signature or bank/XXXX account, usually for the purpose of financial gain.
Identity theft is the act of stealing another persons personal identifying information in order to gain access to his financial resources, or obtain access to other benefits, such as money, credit, or insurance benefits. Identity theft, sometimes referred to as identity fraud, is a crime that carries serious consequences. To explore this concept, consider the following identity theft definition | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28269 | null | Consent provided | Web | 2023-01-07 | Closed with non-monetary relief | Yes | null | 6,410,935 |
2022-02-07 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Last Summer, I was approved for COVID-19 rental assistance. My apartment ( XXXX XXXX Apartments ) agreed to work with the program ( XXXX XXXX by XXXX ) and we all signed the contract. They received rent in arrears via mailed check in late XXXX or beginning of XXXX. The program also pays for XXXX additional months ( XXXX ). My apartment complex 's manager didn't know about the 3 months of additional funding, so she emailed over the ledgers 3 months late to receive payment. She was supposed to email ledgers by the XXXX of every month. House XXXX explained to her that they will not expedite payment because she failed to do it on time and they work in order received. I was recently approved for XXXX additional months of rent payment. I moved out of my apartment on XX/XX/2022. I moved out for XXXX major reasons- I have a terminally ill wife, so we moved back to Pennsylvania XXXX we could be near her family again. Secondly, I couldn't stay at that apartment anymore because my apartment was charging me monthly late fees until they receive a check from XXXX. My apartment wouldn't let me make any payments towards anything because they require a full payment. Once the check was received, I would've owed a lot of money that includes late fees, water/sewer, tech amenity, etc. On XX/XX/2022 I received an email from a debt collection agency that my apartment turned over my balance to them. My apartment should not of sent anything to a debt collector and should have continued to wait for a payment to arrive. | null | HW Holding, Inc | PA | 191XX | null | Consent provided | Web | 2022-02-07 | Closed with explanation | Yes | null | 5,194,646 |
2017-10-10 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I received a notice from Credit Protection Association in regards to a debt. I set up a payment plan and also mailed the equipment back to XXXX, originator of the debt back in XXXX of this year. Credit Protection Association is reporting to the three credit bureaus for the amount of the equipment, but this was already returned and I spoke to a representative about this as well. We set up a payment arrangement for 3 weeks in the amount of XXXX. The first payment was taken out of my account and I was assured this would not be reported to the bureaus. Well it comes to find out, they never continued with the payment plan ( I never received a call so I figured its been taken care of ), reported to the three credit bureaus anyways and also the wrong amount as well. Why did n't anyone bother to contact me | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Credit Protection Association, L.P. | FL | 33327 | null | Consent provided | Web | 2017-10-10 | Closed with explanation | Yes | null | 2,696,682 |
2017-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am requesting that TRANSUNION remove tax lien # XXXX that is listed on my credit report in the amount of XXXX.
The attached tax lien only shows the last 4 digits, no dob, and an address that I 've never lived at. The XXXX XXXX XXXX XXXX ( XXXX ) states liens must have a full name, address, SSN ( full SSN, not partially or completely redacted ) and/or DOB to be reported on anyone 's credit file. You can see the attached tax lien does not meet the XXXX new rules that went in effect XX/XX/XXXX. In my last dispute in XX/XX/XXXX, I added a note to TRANSUNION which stated that it does not meet the new XXXX XXXX rules, but they did not remove it.
I 'm requesting CFPB 's assistance in getting this tax lien completely and permanently removed from my TRANSUNION credit report.
Thank you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | XXXXX | null | Consent provided | Web | 2017-09-29 | Closed with non-monetary relief | Yes | null | 2,687,980 |
2017-06-25 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | Navient/XXXX XXXX is the company. <P/>I 've had issues with misalocated payments every year since 2007 when i graduated. These are with my private loans. At one point XXXX XXXX put my loans on watch for the misalocation and it stopped happening. this took about 4 or 5 years of me calling them every month for them to take care of it. then Navient took over and its started again. Also I will have to call them again by next month about the same issue again. The part of this that make it worse is the ones having the issue are the ones my parents are cosigners. part of the issue is due to part of my loans going on default. but {$1000.00} plus a months in payments i ca n't afford it. i pay about $ XXXX {$270.00} for these loans a month My federal loan i have with them i try to get IBR plan for it but they deny me every time and when i go back to start payments again the total owed each month goes up again. i pay {$55.00}. but when i started paying them back i was paying {$48.00}. | null | Navient Solutions, LLC. | OH | 44256 | null | Consent provided | Web | 2017-06-25 | Closed with explanation | Yes | null | 2,558,309 |
2023-07-27 | 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 | Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 77338 | null | Consent provided | Web | 2023-07-27 | Closed with non-monetary relief | Yes | null | 7,315,305 |
2023-05-30 | 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 FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2017 ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/2017 Reference # : XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30281 | null | Consent provided | Web | 2023-05-30 | Closed with non-monetary relief | Yes | null | 7,044,851 |
2018-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77083 | null | Consent provided | Web | 2018-01-27 | Closed with explanation | Yes | null | 2,795,310 |
2023-07-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX AV XXXX, CA XXXX ; XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | CA | 91344 | null | Consent provided | Web | 2023-07-03 | Closed with explanation | Yes | null | 7,195,969 |
2023-07-12 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | XX/XX/XXXX my fees they are not wave if I go under a 100 I can't go under a 100 dollars an I do direct deposit An they charge for money orders XXXX dollars | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 77550 | null | Consent provided | Web | 2023-07-12 | Closed with monetary relief | Yes | null | 7,243,422 |
2023-05-23 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | This debtor claims I opened a XXXX account this year which i never did in Florida. Some one used my identity to open this fraudulent charge XXXX and XXXX XXXX have removed this after I told them I did not open this XXXX has refused to remove this this charge is not my charges below is the information MRS BPO , LLC.
Dispute not available XXXX XXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX Date reported XX/XX/2023 amount XXXX | Company believes it acted appropriately as authorized by contract or law | MRS BPO, LLC | FL | 33647 | null | Consent provided | Web | 2023-06-22 | Closed with non-monetary relief | Yes | null | 7,014,485 |
2022-11-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a natural person ; I am a living human being. I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681, and they violated my rights numerus of times. I demand the inquiries listed below be remove because According to USC1681. I have the rights to privacy and i did not give XXXX written permission to furnish these accounts.
INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33068 | null | Consent provided | Web | 2022-11-01 | Closed with explanation | Yes | null | 6,152,897 |
2022-11-07 | 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 | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | null | EQUIFAX, INC. | IL | 60628 | null | Consent provided | Web | 2022-11-07 | Closed with explanation | Yes | null | 6,176,500 |
2016-10-30 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | In XXXX XXXX I rented an apartment with XXXX XXXX XXXX owned by XXXX XXXX for 1 year contract to end in XXXX XXXX. In XXXX I gave the first notice so i can move out on XXXX XXXX and the manager at XXXX said the notice it is less than 30 days, so i had to stay one more month. In XXXX I put another notice in the drop box at the XXXX XXXX office, and i moved out in XXXX. Few months later i called them to claim my deposit and was told they could not find my notice. I then went there to follow up and the manager repeated the same thing saying my notice could not be found, few seconds later, after she took time look again, she said she remembered seeing before but it was a late notice, and so she could not refund any deposit, they would keep it until I pay one more month or she would deduct that from the one month rent that was due. I told her that was not right, she could charge me because my notice could not be found, and left. Months later i started getting bills after bills urging to pay otherwise it would be sent to collection. A month ago I went to visit a banker and was told I have a debt collection on my credit report. So i tried to contact XXXX and was told that it was Updated, it could not deleted, that I still have that to pay. | Company believes it acted appropriately as authorized by contract or law | N.A.R., Inc. | UT | XXXXX | null | Consent provided | Web | 2016-10-30 | Closed with explanation | Yes | No | 2,186,126 |
2019-02-20 | Checking or savings account | CD (Certificate of Deposit) | Managing an account | Banking errors | This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BB&T CORPORATION | PA | 19607 | null | Consent provided | Web | 2019-02-20 | Closed with explanation | Yes | null | 3,157,942 |
2020-12-18 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | these accounts are a result of identity theft. I have no knowledge of these accounts or opening of these account | null | Bread Financial Holdings, Inc. | MI | 48237 | null | Consent provided | Web | 2021-01-07 | Closed with non-monetary relief | Yes | null | 4,019,515 |
2020-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX and TransUnion credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts/accounts are not mine. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30028 | null | Consent provided | Web | 2020-10-01 | Closed with explanation | Yes | null | 3,876,789 |
2022-09-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | There are inaccurate 30 day late payments being reported on my credit report on an account that has been closed for over a year. I have tried to get the creditor and the credit bureau to fix this, but neither of them will fix it. This is causing my credit scores to go down drastically and it's not right. I sent Transunion a letter disputing this on XX/XX/XXXX and they have yet to correct, delete or respond. They violated the FCRA by failing to conduct a proper investigation and knowingly reporting inaccurate information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75134 | null | Consent provided | Web | 2022-09-26 | Closed with non-monetary relief | Yes | null | 6,020,741 |
2022-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
" | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | IL | 608XX | null | Consent provided | Web | 2022-06-16 | Closed with explanation | Yes | null | 5,677,960 |
2023-02-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following creditors referenced below are reporting a fraudulent account to my credit report, after providing substantial information verifying that I am indeed not the owner of this account and therefore am not liable for this debt that exists as the direct result of identity theft.
XXXX XXXX ACCT NO : XXXX XXXX XXXX XXXX ACCT XXXX : XXXX XXXX ACCT NO : XXXX XXXX ACCT NO : XXXX | null | EQUIFAX, INC. | GA | 30339 | null | Consent provided | Web | 2023-02-26 | Closed with explanation | Yes | null | 6,615,679 |
2022-12-14 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | My Chime Bank Account routing XXXX, account XXXX reflected 3 charges for {$95.00} to XXXX XXXX XXXX. I contacted XXXX XXXX, only got to speak to a answering machine and have left 3 messages. Filed disputes with Chime. I don't have a XXXX XXXXXXXX XXXX card, nor have I applied for one. This is literally tying up {$280.00} of my money that I need to buy a car right now. I have had no response from the credit card company nor the bank. | null | Chime Financial Inc | OK | 731XX | null | Consent provided | Web | 2022-12-14 | Closed with explanation | Yes | null | 6,322,368 |
2018-04-30 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | Huntington has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus. | null | HUNTINGTON NATIONAL BANK, THE | OH | 451XX | null | Consent provided | Web | 2018-04-30 | Closed with explanation | Yes | null | 2,891,807 |
2023-05-11 | Vehicle loan or lease | Loan | Problems at the end of the loan or lease | Unable to receive car title or other problem after the loan is paid off | Greetings, On XX/XX/2022 I brought a car from XXXX XXXX in XXXX XXXX NV. for XXXX Deal # XXXX stock number # XXXX I still don't have the car its been almost two years. | null | NISSAN MOTOR ACCEPTANCE COMPANY LLC | NV | 89107 | null | Consent provided | Web | 2023-05-11 | Closed with explanation | Yes | null | 6,965,173 |
2023-05-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX investigation has not resolved an issue where my Infiniti Financial Services account continues to show payments past due for XXXX and XX/XX/2023. Infiniti granted a 2 month extension to my loan and shows on the credit report that no payment was due for XXXX and XXXX, but the report continues to show a status of 30 days late for those months. I have sent in the document providing that those two months were waived, however no one has removed the late status in that payment history. All of the other history for those two months aare correct as it shows no payment due and also no payment made. It should be clear that it should not show payment late if no payment was due. Please help. | null | NISSAN MOTOR ACCEPTANCE COMPANY LLC | GA | 31324 | Servicemember | Consent provided | Web | 2023-05-03 | Closed with explanation | Yes | null | 6,924,021 |
2023-02-03 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | Citi Card charges interest even when APR = 0 % on account. In my XX/XX/XXXX Statement, the balance Subject to Interest section ( the regulatory form at the end on statements ) indicates that NO amount of balance is subject to interest.
My account was supposed to be at 0 % interest in that cycle as well as several cycles thereafter. I was still assessed interest in the XXXX cycle. Citi sent me a letter on XX/XX/XXXX indicating and confirming that my PURCHASE balance had been paid off in full. Is that not the Card Act equivalent for considering me a transactor? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | DE | 197XX | null | Consent provided | Web | 2023-02-03 | Closed with explanation | Yes | null | 6,528,224 |