I first started our complaint on, on XX/XX/2018 but I was informed by the CFPB, that I have to submit a, " New Compliant '' for each and every credit bureau company as well as with the companies being that this is a, " JOINT ACCOUNT '' as we have our own credit reports showning different information. " Most of all the errors occured under Co-Applicant Name as I had had a pior, " Individual account which shoud have been closed yet it wasn't when my husband and I applied for the, " New Joint Account! '' So, our complaint is one and the same only difference is you will notice on all the information I gathered for your investigation that again most all, " Illegal and very fraudulent account appear on Co-Applicant 's Credit Report and for these reasons we had no idea where exactly our monthly auto-pay was going as the amount on the Joint Account was not being deducted as it should have been. " But it is, " One and the same account! '' I am sorry that this is so very confusing but I am doing my best to explain it. ( One other very  important fact is as I was researching all the illegally opened and closed account and even the Joint Account, " I noticed even more errors in how they processed the account as it was not done correctly at all! '' These companies should be able to find these errors I was able to! This " Complaint '' is for my husband who is the main signer on the, " Joint Account '' where we thought we were paying every month but this was not the case at all! If both companies take the time to investigate, they will see that the monthly payments were not being applied or deducted correctly. " This is something that is a major concern for my husband and I as our names and social security numbers were more than likely used for those illegal opened and closed loans! And, the fact being that we only took out two loans. One being an, " Indiviual Account. '' and one being a " Joint Account! '' So even though that on my husband credit reports you will only see the, " Joint Account '' all the errors and payments were being applied elsewhere as we were not seeing our balance decrease and that is why I started investigating and calling the companies! All errors seem to be reporting on Co-Applicant 's Credit Reports! ( This is so very confusing! ) We never applied for any of those other loans. We are unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : XXXX XXXX   XXXX & XXXX XXXX RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both XXXX XXXX XXXX & XXXX XXXX XXXX as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both XXXX XXXX XXXX and XXXX XXXX. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! Trans Union, XXXX and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, Trans Union, XXXX and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my Trans Union Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands XXXX  Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, Trans Union, XXXX and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. These need to be removed as well! One other very important issue that I would like to bring to the attention of Credit Financial Protection Bureau is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only Spanish-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! ( Informtion I copied from Credit Reports is stated below! ) Accounts Removed from Trans Union Credit Report XXXX - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with XXXX  was removed from your credit report. XXXX from XXXX Credit Report We noticed 1 change to your credit report. Updated Account Information XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress. OUR INFORMATION CONTINUED HERE ; In submitting our complaint, being that it is a, " Joint Account '' yet I am still paying to the Oldest Company on my credit report so it makes it appears as their as two diffferent loans and we do not know were our monthly payments are being applied to as this is so very confusing. When I spoke to the companies they also did not have any ideas as how to answer my questions on what was going on and so I felt it best to reach out to all our Credit Bureaus and the Compaines using the CFPB! What I did realize is that is it quite illegal to open and close other loans that we never ever signed any legal loan documents to! They are all different on all the three major credit reports and it is a hugh mess! Also these companies repeatedly did hard checks on our credit reports that are in the " Inquires '' to the point that there are more than normal on both mine and my husband 's credit reports. ( Please Note : I do believe now that the main reason that the illegal reporting errors were mostly on ( Co-Applicant 's Credit Report ), is because there was a pior, " Individaul Account '' that should have been closed when we applied for the, " Joint Account! '' There is, " ONE MAJOR ERROR '' that these companies are overlooking and, " We are totally shocked at how negligent these two companies conducted and processed their business accounts. They should be able to find this illegal error as it is plain and clear and most illegal! We do not want to interfer with their investigation so I am not sure what to do with this new found information, but the employees need to seriously be trained on the legal libilities of their actions concerning finanical factors when assigning some one a new loan, that never, ever should have occurred in the first place. Because of the many illegal/fraudulent reporting errors, Our, " Joint Loan Contract '' is a " Breach of Contract '' under the, " The Federal Trade Commission Consumer Laws and also under the United Stated Disabled Individuals Act, that clearly states it is illegal to  take advantage of those who are XXXX under the United States Laws.