Consumer complaint received 2021-12-23
Company: Chime Financial Inc
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I received an alert from XXXX XXXX  on XXXXXXXX XXXX,2021 about an added remark and balance increase for XXXX $ from Chime. I have a debit and secured credit card from chime..my report from chime to the credit bureaus have in good standing reports but no points added to my credit score since I been a card holder.. then when I started inquiring to do rental applications again for housing I noticed the same pattern of behavior that whoever is doing this fraudulent activity knew the place I was doing a rental application at which is XXXX XXXX in XXXX Michigan runs and credit check and goes by your credit score and credit card debt to consider if your approved or denied.. I didnt know this until I came in the office on my appointment date for XXXX XXXX,2021.. I knew the activity alerts was suspicious and fraudulent because I dnt owe XXXX $ and have not used my card.. this fraudulent balance reported to all three credit bureaus caused my credit scores to drop from the XXXX to in the XXXX from XXXX, XXXX from XXXX and XXXX I filed a dispute with the credit bureaus and it was very hard for me to make a live operator contact from my phone number that I believe is hacked now tooXXXX I also contacted chime myself and was instructed to email chime at support@chime.com regarding my concerns.. I was also told by the chime representative when I contacted chime card services phone number ( XXXX ) XXXX and said my balance is XXXX $ and XXXX in good standing, I asked to be emailed a document stating this and was told to email support@chime.com.. chime.com.. I received another email from chime support services on XXXX XXXX2021 stating the information reported is accurate after conducting an investigation, I emailed chime support again and stated I disagree and that I didnt receive any documentation regarding where this debt come from that chime claim is mine and I had no transparency I checked my XXXX credit report due to getting an alert on the same date chime emailed me XXXXXXXX XXXX,2021 and seen chime contact information has been compromised the contact phone number was changed to ( XXXX ) XXXX and address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX which is fraudulent on my XXXX XXXX the correct phone number for chime is ( XXXX ) XXXX and address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, the contact information for chime on my XXXX report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number ( XXXX ) XXXX, and chime contact information on my Transuion report is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and phone number ( XXXX ) XXXX this is intentionally done, I was told by XXXX XXXX I would have to call the credit bureaus and remove any freeze and fraud alerts to do a credit check and so I contacted XXXX first to have this XXXX and asked for my account to be noted temporarily and that XXXX XXXX is running a credit check for housing on my name.. I tried contacting XXXX XXXXXXXX XXXX,2021 and couldnt get through and Im going to still try the pattern of fraud I noticed is the name of the creditor and original creditor will be compromised and contact information so when the credit bureaus contact the phone number and addresses given it will be told its accurate coming from the scammers. I also had XXXX $ taken from me earlier in the year, and chime never added any points to my score when the whole purpose was to show Im building credit in my name and now the first time I seen anything concerning points from chime is a hugh decrease and a good remark In Good Stand and current but my points doesnt reflect there words and business advertising this behavior have caused my name to be slandered and livelihood in jeopardy of close to becoming homeless when I have sent my landlord a 30 day notice to move on XXXX XXXX,2021.. this kind of behavior of identity theft and fraud been ongoing that I continuously have to file reports very stressful. This is not my debt and account number.. it is my name that is the only thing accurate

Company response to consumer: Closed with explanation