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2017-11-24 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | i have been unable to open checking and savings accounts because bank of america in misouri reportedly has some accounts for me that they have listed as fraud. i have never had any account with bank of america and need this removed from my credit. i have been a victim of identity theft and have had several things removed from my credit account, including cell phones and service, bank cards, credit cards, and also shopping accounts. i have never had an account or authorized an account with bank of america ever please update your records i have tried to call several times and only get transfered from department to department becaue i dont know the account numbers because i never opened them | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | SD | 577XX | null | Consent provided | Web | 2017-11-24 | Closed with explanation | Yes | null | 2,737,256 |
2023-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}. | null | EQUIFAX, INC. | FL | 33179 | null | Consent provided | Web | 2023-06-30 | Closed with explanation | Yes | null | 7,191,634 |
2020-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been trying with little success to resolve issues with my Capital One credit card account since XX/XX/XXXX, but to no avail.
Last fall, suddenly I was unable to make payments on my account through Capital Ones online payment portal. I had been making my payments that way for a long time, but the account simply disappeared. I called the number listed on the website, and was told that nobody could talk to me, because it was not my account. I do not know why anybody thought that. I actually needed my wifes permission to talk to anybody at Capital One, which is absurd.
After more than an hour on the telephone, I was told that the matter could not be resolved and that the case would be elevated. A week or so later, I received an email telling me that the matter was resolved and that I could use the online payment portal. It still did not work.
I could no longer make payments online, and Capital One was not sending me billing statements, despite my many efforts with Capital One to resolve this matter. Furthermore, despite Capital One knowing that I did not have access to the online payment portal, Capital One did not mail me a billing statement.
I wrote to Capital One on XX/XX/XXXX, detailing the many efforts I went through to resolve this matter.
Unfortunately, Capital One had still not restored my ability to make payments, instead sending me a form letter explaining why I might not have received a billing statement. I also received another letter confirming that the entries on my credit report are accurate. Those entries imply show that my payments wee missing. However, that letter fails to acknowledge that I had no way of making the payments, and that it was the fault of XXXX XXXX online portal.
I again wrote on XX/XX/XXXX, asking that somebody respond to the particulars of my letter of XX/XX/XXXX. I have enclosed a copy of that letter too. My response to that letter was the same as before. So I wrote again on XX/XX/XXXX.
In my XX/XX/XXXX, letter, I mentioned once more my inability to access the online payment portal, and I mentioned that you still have not sent me a current billing statement, which would be necessary for me to make a payment by mail. In good faith, I included a check for a payment in the amount that would have been higher than the regular minimum payment before this trouble started. That check was not credited to my account until nearly a month later.
On XX/XX/XXXX, I wrote a fourth letter to Capital One expressing my frustration that I still was not receiving regular billing statements and that I was still being denied access to the online payment portal. I also mentioned that this issue was damaging my credit record. Again, I sent a check as mentioned before, which again was not credited to my account for nearly a month. By this time, Capital One was showing my account on my credit report as more than 120 days past due.
Finally, on XX/XX/XXXX, I received a letter from Capital One ( dated XX/XX/XXXX ) stating simply We are unable to fulfill your request through written correspondence. On XX/XX/XXXX, I called the number on the letter and spoke to several people for well over an hour. The first person to help me referred me to your technical department who was unable to resolve the issue of my being denied access to the online payment portal. Again, this matter was escalated XXXX case ID # XXXX XXXX. Finally, the issue with accessing the online payment portal was resolved on XX/XX/XXXX, more than XXXX months after I began this ordeal.
After speaking with your technical department, I was referred back to customer service where I discussed the issue with the late payments on my account and its affect on my credit rating XXXX case # XXXX XXXX. The woman with whom I spoke said that I would need to write to you to resolve the credit report problems, but she could help me set up a plan to resolve the unpaid balance on my account. She said that if I were to make a payment of {$100.00} before XX/XX/XXXX, my account would be marked current. I wrote a check for {$120.00} XXXX # XXXX ) and mailed it on XX/XX/XXXX ). You credited my account for that payment on XX/XX/XXXX.
All that remains is the damage that was done to my credit report from what I have explained in this and the enclosed letters. As you can see, I have been diligent in trying to resolve this matter and it was not my fault that my payments were delayed. I have been working in good faith, and I hope that Capital One can also exercise some good faith in this matter and remove the derogatory information from my credit report. This is the only account that shows any delinquency, and it is really hurting my credit.
On XX/XX/XXXX, I wrote a letter to the Credit Bureau Disputes office of Capital One as suggested by the woman with whom I spoke mentioned above. Again, Capital One was non responsive to the particulars of my complaint and sent me another letter on XX/XX/XXXX, which indicated once again that I would be unable to resolve this matter by written correspondence and that I would need to call. On XX/XX/XXXX, I received a letter from Capital One dated XX/XX/XXXX, indicating that they researched my account and that they had " confirmed that the late payments we are reporting are accurate. '' The response I received from Capital One from nearly all of my correspondence has been non-reponsive.
Another point I made in my letter of XX/XX/XXXX, was that Capital One was reporting the delinquency on my wife 's credit report, despite the fact that she was not an account holder on that account. I asked that the derogatory information be removed from my wife 's credit report. They did not respond, and it still shows as my wife having late payments in excess of 120 days. It should show nothing on her account, because it is not a joint account. | null | CAPITAL ONE FINANCIAL CORPORATION | NV | 89502 | Servicemember | Consent provided | Web | 2020-07-21 | Closed with non-monetary relief | Yes | null | 3,755,150 |
2022-10-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. | null | EQUIFAX, INC. | IN | 46123 | null | Consent provided | Web | 2022-10-06 | Closed with explanation | Yes | null | 6,059,256 |
2023-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I NOTICE THAT INACCURATE PHONE NUMBERS AND EMPLOYMENT IS BEING REPORTING ON MY CONSUMER CREDITS REPORTS.
ACCORDING TO THE FCRA ( fair credit reporting act ), LEGALLY THESE UNVERIFIED IN AN AUTHORIZED ITEMS MUST BE REMOCVED THESE PHONE NUMBERS THAT ARE BEING REPORTED DOESNT BELONGS TO ME.
I AM NOT A MANGER THAT IS BEING FASLY REPORTED. | null | EQUIFAX, INC. | FL | XXXXX | null | Consent provided | Web | 2023-06-22 | Closed with explanation | Yes | null | 7,152,326 |
2020-04-30 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$700.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2016 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89103 | null | Consent provided | Web | 2020-04-30 | Closed with explanation | Yes | null | 3,630,094 |
2021-03-19 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Consent not provided. | null | OneMain Finance Corporation | GA | 304XX | null | Consent provided | Web | 2021-03-19 | Closed with explanation | Yes | null | 4,229,421 |
2023-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX and now currently XXXX. This account was not opened by me and does not belong to me. The documentation the debt collector is using to collect on the debt is only a statement and an equipment agreement with my name or someone with a similar name typed onto it. There is no hard copy ID, copy of social or even a signature that shows this account was legally opened by the person to whom identity was used. I have filed a fraud report on this information attached. FTC report # XXXX | null | Source Receivables Management LLC | NC | 28273 | null | Consent provided | Web | 2023-02-07 | Closed with explanation | Yes | null | 6,543,259 |
2019-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Sequim credit collection still on my report yet is showing a balance. I attached the paid in full statement from my account | Company believes it acted appropriately as authorized by contract or law | Sequium Asset Solutions, LLC | OH | 45005 | null | Consent provided | Web | 2019-08-14 | Closed with explanation | Yes | null | 3,340,543 |
2017-06-09 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | On XXXX , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX a nd was for XXXX and then processed again on X/X/2017 for XXXX . <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n XXXX , my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In XX/XX/XXXX Bank of America made a Bill paym ent for this car payment to the wrong account. Our credit card is through XXXX and car loan is through XXXX in XX/XX/XXXX they sent this to the wrong account though I put it in accurately on their Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OK | 74063 | null | Consent provided | Web | 2017-06-09 | Closed with non-monetary relief | Yes | null | 2,544,124 |
2023-09-15 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Request for Closure of Child Support Case and Removal from Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, TX for serious violations of my consumer privacy protection rights. Specifically, they have added a child support case to my credit report without my knowledge, consent, or permission.
Under 15 U.S. Code 1682e ( b ) and 15 U.S. Code 1681i ( 5 ), it is evident that the reporting of this account is in violation, as it inaccurately lists the XXXX XXXX court as the furnisher. This misleading information is a form of forgery and is detrimental to my creditworthiness. Moreover, it is a clear violation of permissible purposes as outlined in 15 U.S. Code 1681b. Without my direct written consent, reporting such information is against the law.
The child support case in question was created by the custodial parent, also without my consent, permission, or knowledge. This further compounds the infringement on my rights.
In accordance with the 2007 Miller v. Trans Union, LLC ruling, child support cases are not meant to be reported on credit reports. This is a matter of public record and should not be included in my credit history. It is essential to note that this information has not been derived from a credit transaction, and its presence on my credit report is both unwarranted and detrimental.
I kindly request the immediate closure of this child support case and the subsequent removal of any associated information from all three credit bureaus. I trust that this matter will be resolved expeditiously, and I request written confirmation once the necessary corrections have been made.
Thank you for your prompt attention to this matter.
Sincerely, XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77090 | null | Consent provided | Web | 2023-09-15 | Closed with explanation | Yes | null | 7,555,950 |
2021-04-12 | 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. I do not know these companies and I have reached out to them regarding these accounts to verify/validate the accuracy and send proper documentation. I have not received any correspondence reference to these accounts. | null | EQUIFAX, INC. | SC | 292XX | null | Consent provided | Web | 2021-04-12 | Closed with explanation | Yes | null | 4,290,270 |
2022-11-16 | 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 | This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway to taking lawful action and litigating XXXX for their headstrong nonfulfillment of the FCRA XXXX. Under Section XXXX, restrictions on investigative consumer reports [ XXXX U.S.C. XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) XXXX be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. I need the accounts corrected PRONTO : 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 | 90250 | null | Consent provided | Web | 2022-11-16 | Closed with non-monetary relief | Yes | null | 6,209,662 |
2021-03-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2020 I attempted to use my Discover card and it declined. I assumed this was because I was in a different city shopping for my daugher 's birthday about an hour from home. What really was going on is that someone hacked my Discover account online, changed my address and contact information, and requested a new card be delivered to associated address : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX.
This is not my address and I do not have any affiliates with anyone in OH. My credit report reflects on XX/XX/2020 this address as an associated address and I would like it removed. I would also like any inquiries or charges around this time removed as well as it does not belong to me. I did report this issue to Discover. | null | DISCOVER BANK | SC | 29501 | null | Consent provided | Web | 2021-03-13 | Closed with explanation | Yes | null | 4,210,366 |
2023-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | TransUnion is in violation and I am pursuing monetary compensation per violation.
( Please see attachment ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95687 | null | Consent provided | Web | 2023-01-30 | Closed with non-monetary relief | Yes | null | 6,508,440 |
2021-06-14 | 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 | This is supplement to my original complaint. The loans in question were rehabilitated which means that all records of default should have been removed from my report. They are breaking federal law but leaving the record of default on my account. They literally put each loan in twice in order to keep the record of default in. This is in reference to complaint XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28117 | null | Consent provided | Web | 2021-06-14 | Closed with explanation | Yes | null | 4,460,205 |
2019-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX XXXX banks claims I have not made any form a payment towards my credit card but I have, XX/XX/XXXX XXXX XXXX file a missing payment on my account dropping both credit bureaus from 69 points. This is falsely incorrect I need help settling this dispute. I already filed a dispute with one credit bureau, I will starting paying more if I have to to get this issue resolved. This can not stay on my record | null | Bread Financial Holdings, Inc. | TX | 78207 | null | Consent provided | Web | 2019-05-10 | Closed with explanation | Yes | null | 3,228,411 |
2018-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2018, one month ago I reached out to the credit bureaus in regards to fraudulent items which appear on my credit file. Ive made several attempts to have the items blocked to pursuant to section 605b of the FCRA all to no avail. | null | EQUIFAX, INC. | IL | 60653 | null | Consent provided | Web | 2018-07-14 | Closed with non-monetary relief | Yes | null | 2,963,016 |
2021-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | PLEASE HELP ME WITH SOMTHING, IVE BEEN A VICTEM OF IDENITY THEFT.. SOME USED MY CREDIT AN GOT MEDICAL TREATMENT IN MY NAME. I ALSO HAVE AN ACCOUNT THAT WAS REMOVED DUE TO FRAUD AND IT HAS REAPAERED ON MY REPORT. THE PROMBLEM IS THE COLLECTION AGANCY DID NOT SEND ANYTHING IN WRITING SAYING THESE ACCOUNTS WERE BEING ADDED BACK TO MY REPORT.. THE FOLLOWING COMPANIES PLACED ACCOUNTS ON MY CREDIT REPORT WITH OUT PROPER NOTICE.. THIS IS A VIOLATION OF FCRA.
1. XXXX XXXX XXXX, {$1000.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..
2. XXXX XXXX XXXX, {$380.00} ACCOUNT NUMBER XXXX I'VE NEVER DONE BUSINESS WITH THIS COMPANY OR ENTERED INTO A WRITTEN CONTRACT WITH THIS COMPANY. THIS COMPANY PUT THIS ITEM BACK ON MY REPORT WITH OUT 5 DAY WRITTEN NOTICED..
THE FOLLOWING ACCOUNTS BELOW, ARE FRAUDULENT, IVE NEVER DONE BUSINESS WITH THE FOLLOWING COMPAINES, IVE NEVER ENTERED INTO A WRITTEN CONTRACT WITH THE FOLLOWING COMPANIES.
1.PHOENIX XXXX {$1900.00} 2..XXXX FINANCIAL {$1300.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33435 | null | Consent provided | Web | 2021-10-11 | Closed with explanation | Yes | null | 4,796,036 |
2019-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have sent XXXX and Trans-union everything that they ask me to send them to show that I was a victim of identity theft | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76710 | null | Consent provided | Web | 2019-10-11 | Closed with explanation | Yes | null | 3,403,488 |
2018-05-23 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Problem with customer service | I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters. | null | Navient Solutions, LLC. | NY | 131XX | null | Consent provided | Web | 2018-05-23 | Closed with explanation | Yes | null | 2,915,162 |
2021-01-20 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | My credit score dropped 35 points due to a company that I have never even heard of or received a letter from. If it was from a hospital bill from a XXXX I had at the XXXX XXXX XXXX XXXX who is supposed to be responsible for the bill.So if money is somehow owed, they're supposed to pay it. Other then that, acct # XXXX was taken care of way back in XXXX this year by " XXXX '', the bill lady at the XXXX XXXX, which is why I never received another bill since then. AR Resources comes out of nowhere around XX/XX/XXXX saying that I owe them money??? I am not overdue on anything anywhere. And they made my credit drop 35 points so I'm kinda hot in the head right about now.I would gladly send that XXXX XXXX to the hospital and be their collection agency " from outer space '' the way they did! And who are they. Where are they from. There is no proof that they tried to collect a debt from me which is entirely impossible because I have the " what's coming in the mail today '' by USPS. I feel like I've been robbed in a way and that they are doing something illegal! No bills at all sent from them-which is impossible. The hospital said that the situation was taken care of when I called to ask what is going on. I have a " XXXX XXXX '' because of my financial circumstances meaning basically homeless and I never received a bill! My XXXX score dropped big time! All because of some XXXX XXXX company climbing out from under a rock somewhere out in the middle of the desert under a mound of wild buffalo XXXX! And they can XXXX XXXX XXXX where the XXXX comes out because the hospital said that they took care of it! | Company believes the complaint is the result of a misunderstanding | AR Resources, Inc. (FL) | FL | 34698 | null | Consent provided | Web | 2021-01-20 | Closed with explanation | Yes | null | 4,081,921 |
2021-09-29 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | AGAIN I RECEIVED A LETTER FROM DISCOVER STATING THAT I HAVE NOT FILLED OUT FORM 4506-C THE VERY FIRST TIME I WAS JUST ADVISED TO SIGN MY NAME.
THEN RECEIVED A LETTER STATING I DIDN'T COMPLY WITH THE DEMANDS. FILLED OUT FORM 4506-C FOR THE SECOND TIME AND UPLOADED IT HERE AS WELL. IF I NEED TO FILL OUT YET ANOTHER 4506-C YOU HAVE TO SUBMIT IT AS I INFORMED YOU BEFORE. BECAUSE ONCE YOU FILL IT OUT AND SUBMIT YOU CAN NO LONGER ACCESS IT.
SO FOR THE RECORD BOTH HAVE BEEN UPLOADED AS PROOF IN THE COMPLAINTS I HAVE HAD TO SUBMIT. AS I AM UPLOADING PROOF OF THE SECOND TIME I FILLED OUT AND SUBMITTED FORM 4506-C. AS WELL AS NOTARY PAGE OR WHATEVER ITS CALLED. AND AGAIN NO HONEST NOTARY IS WILLING TO NOTARIZE BANK STATEMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. BECAUSE THEY COULD BE HELD LIABLE, FINED AND MAYBE EVEN JAIL.
FOR NOTARIZING DOCUMENTS THAT ARE NOT PRINTED OUT IN FRONT OF THEM INSIDE THE FINANCIAL INSTITUTION THEY ARE FROM. AGAIN IM ADVISING YOU ARE DEMANDING SOMETHING THAT IS IMPOSSIBLE AND COULD BE ILLEGAL BECAUSE XXXX THE BANK THAT I BANK WITH DOES NOT HAVE A BRANCH IN XXXXXXXX XXXX. AGAIN I HAVE ADVISED YOU OF THIS NUMEROUS TIMES. AND IF DISCOVER HAS A NOTARY THAT WILL NOTARIZE THE DOCUMENT 'S THAT YOU ARE DEMANDING, PLEASE HAVE THEM EMAIL ME SO WE CAN SET UP AN APPOINTMENT.
IM ALSO UPLOADING STATEMENT. WHEN I GOT APPROVED FOR THE DISCOVER CREDIT CARD XXXX I WAS LIVING AT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX.
SO NOW I HAVE UPLOADED THREE MONTHS OF BANK STATEMENTS AS YOU HAVE DEMANDED. NOTARY PAGE.
AGAIN UPLOADING FORM 4506-C FROM XX/XX/2021 THE SECOND TIME THAT I WAS DEMANDED TO FILL OUT. BUT YET THAT FORM IS NEVER MENTIONED ..... EVEN THOUGH I HAVE SUBMITTED PROOF.
I HAVE UPLOADED XXXX PROOF OF OWNERSHIP. XXXX DEBIT CARD XXXX BANK ACCOUNT. XXXX APP. DISCOVER CREDIT CARD THAT WAS ISSUED TO ME WHEN I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID AGAIN. UTILITY BILLS BEARING MY NAME AND PRESENT ADDRESS THAT YOU HAVE ON FILE BECAUSE YOU HAVE USED THAT ADDRESS FOR CORRESPONDENCE. XXXX STATEMENTS BEARING ACCOUNT NUMBER.. PAYMENT TO DISCOVER.
I HAVE COMPLIED WITH YOUR DEMANDS FROM DAY ONE, AS YOU SEEM TO MAKE STATEMENTS OF INACCURACIES STATING THAT I HAVE NOT.
PLEASE GIVE ME YOUR FULL NAME ADDRESS AND YOUR POSITION WITH DISCOVER AND THE TIME THAT YOU HAVE BEEN WITH DISCOVER FOR MY PERSONAL RECORDS THANK YOU XXXX XXXX AGAIN IF I NEED TO FILL OUT FORM 4506-C FOR THE THIRD TIME YOU HAVE TO SUBMIT IT ... BECAUSE ONCE YOU FILL IT OUT AND SUBMIT IT, YOU CAN NO LONGER ACCESS IT.
AS FAR AS I KNOW I HAVE SUBMITTED EVERYTHING THAT YOU HAVE DEMANDED AND SO MUCH MORE. | null | DISCOVER BANK | OH | 445XX | null | Consent provided | Web | 2021-09-29 | Closed with explanation | Yes | null | 4,762,137 |
2022-02-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account was closed, charged off, and sold. Due to them selling the account they can not list a balance and can not be reported on my report due to NO LEGAL CONTRACT. | null | National Credit Adjusters, LLC | NY | 13601 | Servicemember | Consent provided | Web | 2022-02-17 | Closed with explanation | Yes | null | 5,233,655 |
2022-12-09 | 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 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28401 | null | Consent provided | Web | 2022-12-09 | Closed with non-monetary relief | Yes | null | 6,296,644 |
2018-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX ... .Miscellaneous Reptg. Agencies I applied for an apartment on XX/XX/XXXX at " XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX '' ..XX/XX/XXXXXXXX XXXX XX/XX/XXXX, XXXX , MD XXXX. Phone : ( XXXX ) XXXX. Someone from this company, fraudulently access my credit file twice. I didn't give no one permission and therefore someone needs to be held accountable. My request is to have the one dated XX/XX/XXXX removed off of my credit report, if not both of them removed.
The XXXX XXXX XXXX is the firm ... Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Phone : ( XXXX ) XXXX | null | EQUIFAX, INC. | MD | 20850 | null | Consent provided | Web | 2018-07-15 | Closed with non-monetary relief | Yes | null | 2,963,452 |
2019-03-11 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with customer service | XX/XX/19 they approved the graduate of my card and turndown the offer through the mail | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 75231 | Servicemember | Consent provided | Web | 2019-03-11 | Closed with explanation | Yes | null | 3,176,271 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than XXXX business days after the ( date of the Previous letter ). Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | AL | 36867 | null | Consent provided | Web | 2022-11-16 | Closed with explanation | Yes | null | 6,205,731 |
2021-12-21 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | XXXX XXXXXXXX XXXX XXXX XXXX CRIMINAL ENFORCEMENT This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found out your company used and authorize others to use my social security number for the purpose to obtain credit without my authorization. CAPITAL ONE BANK failed to provide me with a copy of any express written authorization of OPT OUT NOTICE pursuant to15 USC 6802, whereby CAPITAL ONE BANK was authorized to disclose/divulge/share my social security number a/k/a credit card with any third party in any manner, as well as by means of communication, any information, documentation, data, property and the like in reference to me. CAPITAL ONE BANK failure in providing authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitutes CAPITAL ONE BANKare in violation of including not limited to GRAM LEACH BILILY ACT. CAPITAL ONE BANK possess neither express written authorization OPT OUT NOTICE pursuant to 15 USC 6802, nor consent from me for using/ revealing /disclosing/divulging/sharing with any third party my social security number ( customer information of a financial institution ). Summary of rights of identity theft victim Pursuant to 15 USC 1681g ( e ) ( 11 ) Definition of victim, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. Pursuant to 15 USC 1681g ( e ) ( 1 ) ( B ) I am a victim of identity theft. I attached a IDENTITY THEFT AFFIDAVIT, FTC COMPLAINT, POLICE REPORT, DRIVER LICENSE AND SOCIAL SECURITY Please send me copies of the documents that you have in your files as of this date that you used to authorize your company to use and/or transfer my social security number to third parties. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used for authorization. If you do not have any documentation in your files that authorizes you to use or transfer my social security number then please delete the account immediately for fraudulent activity as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing the unauthorized use of my social security number on my credit report and distributing my social security number 3rd parties you are invading my privacy, damaging my reputation and credit worthiness. CAPITAL ONE BANK knowingly and intentionally violated or knowingly and intentionally attempts to violate 15 USC 6821- PRIVACY PROTECTION for customers information by false pretenses. CAPITAL ONE BANK disclosed to " Internal Revenue Service '' and " Credit Reporting Agency '' my social security number ( customer information of financial institution ) by making a fictitious statement by not providing the OPT OUT NOTICE to me and [ XXXX XXXX is criminally liable for a fine not more than {$5000.00} or imprisonment not than five year or both pursuant to 15 USC 6823. TRUTH IN LENDING CRIMINAL ENFORCEMENT I entered a consumer credit transaction on or about XX/XX/2013. The deceptive consumer credit contract from CAPITAL ONE BANK in regards to this unverified alleged debt contains fraudulent statements like " borrower '' " lender '' and " loan. The above referenced alleged debt has been derived from fraud. Meaningful disclosure was not given at the time the consumer credit contract was signed which prevented me from making an informed use of credit pursuant to 15 USC 1601 ( a ). CAPITAL ONE BANK failed to provide meaningful disclosure on the false, deceptive and misleading consumer credit contract because CAPITAL ONE BANK did not disclose to me that I was the creditor as defined under 15 USC 1602 ( g ) ( 2 ). I was the card issuer meaning : I issued my social security number a/k/a credit card as defined under 15 USC 1602 ( l ) to CAPITAL ONE BANK ] ( card holder ). CAPITAL ONE BANK ] ( card holder ) accepted credit card ( social security number ) which CAPITAL ONE BANK ( card holder ) has used or authorized others to use for the purpose of obtaining credit. CAPITAL ONE BANK such as by commission, omission and otherwise : ( a ) Failed to disclose meaningful disclosure of credit terms so that I will be able to compare more readily the various credit terms available to me and avoid the uniformed use of credit pursuant to 15 USC 1601 ( a ), CAPITAL ONE BANK willfully and knowingly violated the Truth in Lending Act provision 15 USC 1601 ( a ), 1638 ( a ) ( 1 ), 1638 ( a ) ( 2 ), 1638 ( a ) ( 3 ), 1638 ( a ) ( 4 ), 1638 ( a ) ( 5 ), and 1638 ( a ) ( 6 ) and [ XXXX XXXX ] is criminally liable for a fine not more than {$5000.00} or imprisonment not more than one year or both pursuant to 15 USC 1611 ( 1 ) & ( 3 ), ATTACHMENTS XXXX XXXX XXXX XXXX XXXX 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 | CAPITAL ONE FINANCIAL CORPORATION | MD | 20747 | null | Consent provided | Web | 2021-12-21 | Closed with explanation | Yes | null | 5,031,934 |
2021-04-20 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | Hello, I've been having these negative items reporting for a year plus now and Ive been disputing the items. The only response I receive was that it was verified. I want to know who verified it? Also I want letters of validation stating that I owe or borrowed debt from this people. | null | EQUIFAX, INC. | SC | 29115 | null | Consent provided | Web | 2021-04-20 | Closed with explanation | Yes | null | 4,314,520 |
2020-03-08 | Checking or savings account | Checking account | Opening an account | Unable to open an account | Attempted to open a " Simple Account '' account XX/XX/2020. Without explanation -- was declined ( note this is not a credit product, nor would my credit be an issue ). Very weird. I've read Simple discriminates against permanent residents, but I am a citizen. Unaware of anything that would cause KYC issues. No issues with my XXXX. No method of escalation is apparently available. | null | BBVA FINANCIAL CORPORATION | NY | 10036 | null | Consent provided | Web | 2020-03-08 | Closed with explanation | Yes | null | 3,559,014 |
2023-05-08 | 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 | On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported.
On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.
Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts.
Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60619 | null | Consent provided | Web | 2023-05-08 | Closed with explanation | Yes | null | 6,949,312 |
2017-12-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Hello, I have contacted companies on my credit report that you ( XXXX XXXX experian ) has said to say the debt was validated. Well within one day of filling a complaint with XXXX XXXX its ironic they closed the account. Per FCRA you as credit reporting agencies should really investigate and make sure when they send you these automatic validations claiming that they are in deed a consumes debt that in deed they are valid, Like for instance a contract, drivers license and a signature. Its frustrating because me as the consumer has been through XXXX and back with experian just to say, they have said they validated everything when in fact have not. I have sent the same disput letter as I have to XXXX and XXXX when they investigated they removed and corrected debts not owed by me. Experian you did nothing but send me a credit report and said from findings in previous months its the same meaning you didnt even try the second time to investigate!!!! I wrote a complaint on consumer finance.gov where you stated again that you investigated and these alleged debts were mines. Well here is proof you didnt. Please delete XXXX XXXX from my file as there are many more to come your way experian. Thanks XXXX and XXXX for doing your job and please delete XXXX XXXX from your files as well.
XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70043 | null | Consent provided | Web | 2017-12-23 | Closed with non-monetary relief | Yes | null | 2,763,373 |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and Experian and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you.
Account Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$2700.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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. | GA | 30260 | Servicemember | Consent provided | Web | 2021-10-26 | Closed with non-monetary relief | Yes | null | 4,843,756 |
2022-11-06 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | I am XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX XXXX XXXX have a Us bank business account number XXXX, Routing number XXXX. Our XXXX XXXX XXXX XXXX, Us bank business account are place on hold by Us bank XXXX XXXX with out our authorization or merit. XXXX XXXX XXXX XXXX, Us bank business account number XXXX, have {$110000.00} Capital Funds on hold since XX/XX/2022, and denying XXXX XXXX XXXX XXXX XXXX of directors, no access to the {$110000.00} Capital Funds for daily business. This unfair action by Us bank XXXX XXXX, violate, California XXXX Fair Business Practice Act Protection laws, California Deceptive Trade Practice Act Protection Laws, and the California unfair Competition act Protection laws. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 93550 | null | Consent provided | Web | 2022-11-06 | Closed with explanation | Yes | null | 6,169,404 |
2022-09-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | in accordance with the Fair Credit Reporting act XXXX Account ( XXXX 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75052 | null | Consent provided | Web | 2022-09-25 | Closed with non-monetary relief | Yes | null | 6,019,068 |
2018-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Someone keeps applying for car loans in my name which has destroyed my credit. I have filed a police report and I have asked the credit bureau to delete all of these inquiries from my report. I havent applied for anything in almost 2 years besides my bank accounts and 2 credit cards. It is against the law to have inaccurate and unauthorized items on my report and I can file a lawsuit if not corrected. Please, PLEASE remove promply this should not take 30 days to correct. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30093 | null | Consent provided | Web | 2018-01-04 | Closed with explanation | Yes | null | 2,771,854 |
2023-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME.
I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED.
DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED.
I DONT KNOW YOU HAVENT RECEIVED MY LETTERS, I DONT KNOW WHY YOU HAVENT RECEIVED MY NOTIFICATIONS BUT IM TELL YOU RIGHT NOW THAT THEY ARE NOT MINES & NEED TO BE REMOVED.
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44137 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,805,184 |
2021-10-11 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | The company has not vaildated the account is mine. I have not received proof of signature for any of the items. Please provide proof and a ledger of the charges. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | NJ | 07106 | null | Consent provided | Web | 2021-10-27 | Closed with explanation | Yes | null | 4,795,465 |
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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37167 | null | Consent provided | Web | 2020-12-28 | Closed with explanation | Yes | null | 4,035,180 |
2022-12-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I never gave Experian authorization to furnish enhanced recovery on my consumer report. This was done without my consent. This account is not mines | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19144 | null | Consent provided | Web | 2022-12-03 | Closed with explanation | Yes | null | 6,276,195 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XX/XX/XXXX - {$84.00} XXXX XXXX XXXX XX/XX/XXXX - {$18.00} XXXX XXXX XXXX These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved.
XX/XX/XXXXXXXX my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''.
XX/XX/XXXX An unauthorized inquiry was made for XXXX line of credit.
XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX ''.
There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report.
There is also a line of credit through TOYOTA MOTOR. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!!
On XX/XX/XXXX a AI generated call was made to XXXXXXXX XXXX using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXX XXXX account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!! | null | TOYOTA MOTOR CREDIT CORPORATION | IL | 60643 | null | Consent provided | Web | 2023-09-06 | Closed with explanation | Yes | null | 7,503,231 |
2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | After taking a look at my credit report while updating my personal information. I realized that there were inaccurate information reporting on my report. I sent Transunion an disputing letter with all the inaccuracies that they was reporting. With proof of my identification and mailing address. However I got a letter stating that they wasnt sure if it was me or a 3rd party so they couldnt continue with my issues pertaining my report. I then called in to ensure them it was me and that I sent in the information that they needed. I was told that I didnt need to send in my Id and that I just need to resend in the same letters of my inaccuracies for my report. That make no sense to me what difference does it makes if I include proof of address as well as identification. I really need help | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29732 | null | Consent provided | Web | 2023-01-11 | Closed with explanation | Yes | null | 6,419,926 |
2023-04-06 | 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 : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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. | CA | 95829 | null | Consent provided | Web | 2023-04-06 | Closed with explanation | Yes | null | 6,803,215 |
2019-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33063 | null | Consent provided | Web | 2019-10-04 | Closed with explanation | Yes | null | 3,396,294 |
2022-12-21 | 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 disputed a bankruptcy with Experian. They claimed to have verified it though XXXX XXXX. They will not tell me any more information on it. I asked them if they verified it though the courts directly and not a XXXX party. They said no. I then proceeded to ask them to delete this or verify it directly through the courts and they said they dont do that. There for it is illigal to keep this on my report and most be removed but they said that's not how it works. According the FCRA, this can not be verified by a XXXX party and must be directly from the courts. This needs to be removed. They did not conduct a proper investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 186XX | Servicemember | Consent provided | Web | 2022-12-21 | Closed with explanation | Yes | null | 6,341,965 |
2022-06-22 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | Midland credit management is using false XXXXnformation on a debt that I'm already paying on. The original ( and only ) creditor is XXXX XXXX which I currently owe {$2700.00} out of XXXX. Midland credit management is claiming That I owe XXXX which I never owed that amount. Midland credit Management stated that the debt we sold on XX/XX/XXXX which XXXX XXXX never did. XXXX XXXX sent me to court and garnish me ( Maryland XXXX XXXX case number XXXX date XXXX XXXX ). Midland Credit Management also would not allow me to dispute the issue with them directly ( I called more than one number ). Midland credit Management reported on my credit report in XXXX, I went default on my debt in XX/XX/XXXX and from my understanding is against reporting laws for my state. | null | ENCORE CAPITAL GROUP INC. | MD | 21244 | null | Consent provided | Web | 2022-06-22 | Closed with explanation | Yes | null | 5,697,040 |
2022-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 RE : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative inaccurate information reported by Experian in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing XXXX XXXX XXXX with a wrong account number XXXX and challenge the accuracy, compliance and reportability of this listing. Please validate this information with Experian and provide me with copies of any documentation associated with this account, bearing my signature.
In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification.
I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | XXXXX | Servicemember | Consent provided | Web | 2022-03-29 | Closed with explanation | Yes | null | 5,383,019 |
2018-11-28 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru them and the time the apartment was still in my name and mine until XX/XX/2018 I called and talked to the manager of XXXX XXXX XXXX her name is XXXX she looked at her ledger while I was on the phone and confirmed I owed no debt to them I filed a dispute on line with national credit systems and checked back weekly only for her to keep saying call back next week repeatedly called XXXX XXXX XXXX left messages with the secretary XXXX and voicemails asking to be called back and i never received a call I been trying to get this straight since XXXX and now I'm at risk for losing my housing because of a debt that I never had notification of and all my mail was forwarded to my new address | null | National Credit Systems,Inc. | TX | 754XX | null | Consent provided | Web | 2018-11-28 | Closed with explanation | Yes | null | 3,085,697 |
2018-08-28 | Credit card or prepaid card | Store credit card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I saw my account with XXXX XXXX reporting something which perked my interst since it seemed incorrect. I went ahead and mailed them on several occasions requesting documents to show what they are reporting are accurate like the date this account was opened, the last payment on this account etc. They failed to respond even once. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10901 | null | Consent provided | Web | 2018-08-28 | Closed with explanation | Yes | null | 3,004,129 |
2018-03-26 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | 2 phone calls to my home phone number trying to identify who is handling the estate of my late mother. XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX XXXX XXXX. Left lengthy messages to call back XXXX.
one letter sent to my dad 's home to contact XXXX XXXX on outstanding debt for my late mother sent XX/XX/XXXX.
This company must comb through the obituary notifications and contact people via web searches affiliated with the deceased to harrass them and get people to pay money, which they do not owe. My mother has no debts and my father 's life savings was depleted in paying every single one of the expenses she incurred while she was alive. This company is a group of disgusting, parasites. Not sure how they look themselves in the mirror every day let alone wake up every day! | Company believes it acted appropriately as authorized by contract or law | Data and Contact Management Solutions, LLC | WI | 542XX | null | Consent provided | Web | 2018-03-26 | Closed with explanation | Yes | null | 2,855,530 |
2019-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | You need to get this XXXX off immediately as it is not authorized and damaging to me and XXXX be actionable for statutory damages and punitive damages.. XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX , XXXX., XXXX XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX If you do not remove it from my record, please provide me with written proof of every detail shown in your entry | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 278XX | null | Consent provided | Web | 2019-08-17 | Closed with non-monetary relief | Yes | null | 3,344,139 |
2023-04-18 | 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 | See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19134 | null | Consent provided | Web | 2023-04-18 | Closed with non-monetary relief | Yes | null | 6,857,545 |
2022-08-07 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was result of identity theft | the company is CREDIT ACCEPTANCE CORP Date opened XX/XX/2018 Original balance {$9600.00} what happened is that someone used my personal information and they did not verify that it was not me and today they do not want to be held responsible that it was not me and they do not want to help me, they have already been sued once because they do illegal things with many people. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | MD | 20902 | null | Consent provided | Web | 2022-08-07 | Closed with explanation | Yes | null | 5,851,125 |
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 | I found some inaccurate information in my credit report when I checked it. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the 3credit bureaus must verify these items. It is not acceptable to disregard the verification of these reporting itemsas unreliable information without presenting any supporting documentation within the legally permitted time frame. My credit report lists the following itemsas needing to be looked into and fixed for inaccurate reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77566 | null | Consent provided | Web | 2023-05-09 | Closed with non-monetary relief | Yes | null | 6,951,151 |
2018-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | CRA VIOLATION / INACCURATE INFORMATION APPEARED ON MY EQUIFAX CREDIT REPORT SHOW THE ACCOUNT WERE LATE. TO THE BEST OF MY KNOWLEDGE THE ACCOUNT NEVER LATE. | null | EQUIFAX, INC. | TX | 77072 | null | Consent provided | Web | 2018-03-16 | Closed with explanation | Yes | null | 2,845,688 |
2021-04-25 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | XXXX XXXX XXXX sent me a letter dated XX/XX/2021 stating they were a debt collector for XXXX. I sent them a cease and desist letter XX/XX/2021 certified mail XXXX XXXX XXXX XXXX XXXX which was delivered to them on XX/XX/2021. I received an inappropriate response from them dated XX/XX/2021 stating that they were verifying this account at my request. On XX/XX/2021 I received a Debt Citation that they filed on XX/XX/2021 in the JP Court of XXXX XXXX TX. They are in violation of the Fair Debt Collection Practices Act 805 ( ceasing communication ). They never advised me that they would cease collections, that that might take remedies or that they were taking remedies. I am sending them a letter advising that if they don't dismiss the suit, I will counter sue them for their violation of the Fair Debt Collection Practices Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 789XX | Older American | Consent provided | Web | 2021-04-25 | Closed with explanation | Yes | null | 4,326,101 |
2021-03-29 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | This is in response to previous complaint # XXXX. First Point Collection Resources is in violation of several consumer rights under 15 USC 1692. I have attached the previous complaint with proof of each violation violated. I am demanding that they XXXX the balance on this account, delete it immediately from all consumer reports, as well as pay the attached invoice for each violation they violated. | null | FirstPoint Collection Resources | NC | 27610 | null | Consent provided | Web | 2021-03-29 | Closed with explanation | Yes | null | 4,253,910 |
2015-09-04 | Student loan | Non-federal student loan | Can't repay my loan | Can't get flexible payment options | As of yesterday, I am XXXX months behind on my private student loans payments through Navient, formerly through XXXX XXXX. They are calling me XXXX times a day. I work a full time and a part time job. But I have XXXX children and am going through a divorce so money is very tight. I have to take care of our immediate physical needs before I pay this predatory loan than is accruing interest at a staggering pace. Private loans also do not offer the same programs that Federal Loans do, so there is no chance of an income based repayment or other options that I could qualify for. Please make them stop calling so much. I 'm trying to work and make money. When I see them calling every hour, it 's a distraction and it 's heartbreaking. | null | Navient Solutions, LLC. | IL | 62650 | null | Consent provided | Web | 2015-09-04 | Closed with explanation | Yes | No | 1,552,518 |
2022-11-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), can you reinvestigate the completeness and accuracy of the list of accounts below : 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 | null | EQUIFAX, INC. | CA | 91402 | null | Consent provided | Web | 2022-11-20 | Closed with explanation | Yes | null | 6,223,295 |
2021-02-27 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | Ally Financial should be investigated by Government Regulatory for their business tactics when you have an account through Ally Auto. I called this morning XX/XX/21 to negotiate arrangements to make my car payment and also to see if there was a way to have the monthly payments lowered. The representative for one after stating that I did not give consent to having my phone conversation recorded said that " all phone calls must be recorded and there's nothing that can be done about that. '' I said by Law if I do not give consent the call can not be recorded so I ended that conversation and called back. Got another representative that after I advised I did not want to be recorded she said the same and that she could document my wishes, I said okay but know for the record my wishes are not to be recorded.
So I commence the negotiation to make some arrangements to pay my past due and get caught up. The representative said there was nothing Ally could offer me according to the computer reading and I asked why, she said it does not tell her why. So I next asked her if there was a way to lower the payments per month so I can stay current. She places me on a brief hold and comes back with the same answer, I asked her if she can explain why I was denied and the same answer again from her.
Ally Auto though their website says it has assistance has denied with no explanation my request for assistance and as a consumer that care about my business relationship with Ally and I am willing to and attempting to keep some good standing with Ally they deny any help on their end with no reasons why. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 28208 | null | Consent provided | Web | 2021-02-27 | Closed with explanation | Yes | null | 4,170,614 |
2022-04-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Victim of Identity theft. See attachment exhibits | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30062 | null | Consent provided | Web | 2022-04-22 | Closed with explanation | Yes | null | 5,485,901 |
2023-09-28 | Credit reporting or other personal consumer reports | Credit reporting | Problem with a company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range.
XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IA | 501XX | null | Consent provided | Web | 2023-09-28 | Closed with non-monetary relief | Yes | null | 7,629,133 |
2023-04-17 | Vehicle loan or lease | Loan | Struggling to pay your loan | Denied request to lower payments | I am filing a complaint with CFPB today regarding the Toyota Motor Credit/Toyota Financial and all of the revolving entities surrounding my auto loan separately, but they have all dropped the ball. I have had an auto loan with Toyota Financial for 3 years. Throughout the loan I have had a few medical issues that resulted in loss of hours at work. I have continuously asked Toyota Financial for assistance with lowering my payments after being denied refinancing assistance by my back XXXX XXXX back in 2021 when I first purchased my XXXX XXXX. I have been unable to get any assistance from the customer service representatives that work there and have been offered a call back from supervisors with no return call. I have requested a lower payment option or information of where to go on almost every call I have made which is at least once a month for 3 years when I make my payment 's. This absurdly high car payment is a financial strain but i continue to make payments. There is no reason that I should not be able to take advantage of a deferred payment option which i have been denied as well. I have been a customer for 3 years faithfully and am seeking any advice or assistance that will allow me not to totally ruin my credit as that is the road I am headed. I do not believe that there is nothing that can be done as far as assisting with a lower auto payment. I am not asking for a handout I don't mind paying, and I am only requesting a lower payment which will make my loan longer and that is ok. I have not been able to get my vehicle refinanced due to the slow payment or late payments that I have made so this is my last option. Thank you for listening. | null | TOYOTA MOTOR CREDIT CORPORATION | TX | 75220 | null | Consent provided | Web | 2023-04-17 | Closed with explanation | Yes | null | 6,849,315 |
2018-04-22 | 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 | I am requesting and truly need your help. I was deceived and did not make the charges in question on this XXXX XXXX XXXX Card. I originally ordered one free essential oil on XXXX that was free and you only paid {$6.00} shipping and handling for. There was a limited timer on this add that said the offer was only good for ten minutes. Since then I have received repeated charges for products that I did not want or believe I ordered, again a fraudulent scam that is trying to take advantage of consumers. There are a multiple different names of merchants and phone numbers that do not match. When I called XXXX XXXX-XXXX-XXXX, they said the only charge they have on file was an essential oil that I ordered on XXXX on XX/XX/XXXX, which I used my XXXX XXXX credit card for ( have proof in my possession ). They will tell you that the other charges on my XXXX XXXX XXXX card are not from XXXX, and can not explain where the other charges came from. I have been completely scammed, taken advantage of, and have fraudulent charges on my XXXX XXXX XXXX credit card due to a XXXX ad scheme. There is a second charge of {$6.00} on XX/XX/XXXX with no explanation when the XXXX ad said there was a shipping and handling charge of {$6.00}, never saying two charges. When I called XXXX XXXX XXXX-XXXX-XXXX, they said that I had ordered an essential oil on XXXX, which is true, but I honestly believed I was ordering a free oil and serum, paying only one charge of {$6.00} and that was it. They claim that I enrolled in a program to regularly receive their product, which I honestly swear I did not do nor believe I did. I do not want and have never wanted any program of products. After doing my own investigating, although the merchant names and phone numbers do not match, I believe all of the charges are coming from XXXX XXXX XXXX-XXXX-XXXX. ( The real name of the company may actually be XXXX XXXX XXXX, although no XXXX XXXX credit card statement ever lists that name at all. ) I have charges on XX/XX/XXXX of {$69.00}, XX/XX/XXXX of {$59.00}, XX/XX/XXXX of {$69.00}, and XX/XX/XXXX of {$59.00} that should not be there. The same merchant is also listed as XXXX on my statements as well. I did receive two packages, tracking number XXXX and XXXX, which I believe are the XX/XX/XXXX and XX/XX/XXXX charges and wrote Refused. Return to Sender. After continual contacts with the merchant myself, I did received the XX/XX/XXXX and XX/XX/XXXX charges returned to my XXXX XXXX XXXX credit card. I desperately need all my money returned to me, as I have never had any intention of ordering products and did not believe I signed up for anything. I honestly have not received any other shipments, and when I asked the merchant for the names of the products I supposedly had received they refused to do so. I have repeatedly contacted XXXX XXXX, had to fill out a lengthy report, and have been repeatedly told that they are going to do nothingthat I received some of my money back. ( All money I have received back has been due to action taken on my part. ) XXXX XXXX keeps telling me to contact the merchant, and the merchant keeps telling me to contact XXXX XXXX. | null | Bread Financial Holdings, Inc. | MI | 481XX | null | Consent provided | Web | 2018-04-22 | Closed with explanation | Yes | null | 2,883,764 |
2020-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | SOMEONE STOLE MY ID ND MY SOCIAL SECURITY NUMBER AND USED IT TO OBTAIN A CAR AND TO SIGN UP FOR SCHOOL I DID NO GIVE ANYONE PERMISSION TO USE MY INFORMATION NOR WAS I AWARE OF THESE ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30213 | null | Consent provided | Web | 2020-06-26 | Closed with explanation | Yes | null | 3,716,962 |
2023-05-15 | 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 | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | DE | 19805 | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,981,465 |
2020-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Certified letters to validate or provide proof of the debt were mailed XXXX XXXX, 2020 to XXXX XXXX and XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76017 | null | Consent provided | Web | 2020-04-27 | Closed with explanation | Yes | null | 3,625,721 |
2020-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Unfortunately do to Covid 19 we were late on my our mortgage for XX/XX/XXXX. Once we were able to catch up on our mortgage in XX/XX/XXXX we did. We live in California and were put on an automatic shut down on XX/XX/XXXX. I was temporarily laid off as well as my wife. We both bounced back and were able to catch up on our mortgage the next month thanks to unemployment and the stimulus check. I was told the CARES ACT was supposed to protect us from mortgage lates being reported due to covid 19. Please remove the lates from all 3 mortgage bureaus.
I did contact them twice one being as recent XX/XX/XXXX and they removed the late fees but they have not removed the lates. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 94561 | null | Consent provided | Web | 2020-07-27 | Closed with explanation | Yes | null | 3,765,565 |
2017-10-17 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I have been receiving multiple phone calls, sometimes per day. Blocked numbers, spoofed numbers, etc. The agents are dismissive when I tell them that the debt was sent to them in error. I applied for and received a credit card but did n't end up using it for my dental work. I have the receipt for the cash payment. I 've tried calling XXXX XXXX - where the debt seemed to originate - but they say that once the debt has been sold they can not retrieve the information that would clear my name.
The agents from this company, Credit Corp Solutions, have heard all of this information but do not seem interested at all in it. They repeatedly say that they only want to discuss how I can pay them. If I try to disengage the conversation because I am driving or my children need my attention, the agents will firmly try to keep my attention to their call. | Company believes it acted appropriately as authorized by contract or law | Credit Corp Solutions Inc. | LA | 70403 | null | Consent provided | Web | 2017-10-17 | Closed with explanation | Yes | null | 2,704,354 |
2019-11-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I am writing about a citi card that was opened on XX/XX/XXXX and closed on XX/XX/XXXX. The situation is my account was closed due to a misunderstanding. Fast forwarding they had agreed since everything was paid off they would remove this account from all credit file agency 's.
The main issue is it says account closed by credit granter. I always paid them on time and this whole thing was a misunderstanding. When they tried to call me I never got the call. I was a good client for years and as there supervisors told me they understood why I would feel the way I do and would remove entire thing from file. They have yet to do so.
I have good credit and don't want a misunderstanding on my credit report. I would hope citi honors what there supervisors had said. I have spoken to them several times. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10305 | null | Consent provided | Web | 2019-11-13 | Closed with explanation | Yes | null | 3,436,729 |
2022-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 02126 | null | Consent provided | Web | 2022-08-16 | Closed with explanation | Yes | null | 5,883,394 |
2023-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This account is still on my XXXX report when I was told they would quickly remove it once I paid the full balance. The full balance was paid but it still shows on my report. | Company believes it acted appropriately as authorized by contract or law | STERLING JEWELERS, INC. | FL | 33196 | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 7,149,381 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It XXXX Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report.
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77015 | null | Consent provided | Web | 2023-01-03 | Closed with non-monetary relief | Yes | null | 6,391,309 |
2020-01-25 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I have had an auto loan with Ally since XX/XX/XXXX. I have been on auto draft since the inception of the loan. I have never missed a payment. I received a letter in XX/XX/XXXX saying a system upgrade would be taking place from XX/XX/XXXX until XX/XX/XXXX. I called Ally to make sure my auto draft would occur as usual on the sixth of the month. I was told yes as soon as the update completed, all normal drafts would occur. On XX/XX/XXXX I called Ally and inquired about my payment not being drafted on the sixth and was assured all was ok. I was assured it would post shortly. and that there was a ten day grace period for it to post. I asked, " are you sure it will be drafted without any late fees ''. and I was told yes.
Today, XX/XX/XXXX, I received a letter stating I had missed my XX/XX/XXXXpayment and this was an attempt to collect a debt. I called Ally immediately. I spoke with a rep named XXXX in collections. I explained to him my situation and my irritation. After going back and forth with him regardng the entire situation, I asked to speak to his supervisor. I was on hold for over 10 minutes when XXXX returned to say, conveniently, his supervisor was not available. We discussed the entire issue again and I asked him again why would I not want my payment drafted since I have been on auto draft since XX/XX/XXXX, and asked him to pull my payment history. After stating he could not verify my account being on auto draft he attempted to transfer me to Customer Service. I thought this was odd, surely a collections rep would have full access to my account since he was trying to collect a past due payment. I was on hold for more than 36 minutes this time while XXXX attempted to transfer me to Customer Service. This was to no avail as the call was disconnected. I tried to call again and was automatically hung up on. I finally spoke to XXXX in customer service after calling back. She apologized and advised she would apply for late fee to be waived. She said she would send me paper so I could have my payment drafted again. I asked why? Since I was all ready on auto draft and asked her to just to go ahead and draft the payment. She then said I would have to fill out new paperwork and then transferred me to the collections department AGAIN!
This time I spoke with another person named XXXX. I asked to speak with someone else but she said no one was available. She said as the letter stated I would have to apply for auto draft. I told her I never was informed by anyone that I would have to reapply for auto draft. That I had been assured by Ally rep that my payment would be drafted without any late charges. She finally admitted that due to the system update that I had been taken off of auto draft. When I inquired as to why I was not notified of this being a possible result of the system update, her response was, " If you would just listen ''.
I am filing this complaint because I did my due diligence following up with Ally to insure my auto draft would process after their system update. I attempted to make a payment. When I called to inquire as to why I was sent a collections letter, I was given the run around, purposely disconnected, passed from rep to rep and department to department, told my payment history could not be pulled to confirm I had been on auto pay since XX/XX/XXXX. Then they refused to remove the late fee and wanted to charge me a service fee to make my payment via phone as I was unable to pay online because their webpage was down, typical. This is poor business practice. Additionally, I find it hard to believe it is ok to remove customers from auto draft without written notice. If this happened to me, how many more customers were affected ; and thus, how many erroneous late fees were collected unjustly? All this in addition to the possible consequences to my and other 's credit rating. Your assistance with and attention in this matter is greatly appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 287XX | Servicemember | Consent provided | Web | 2020-01-25 | Closed with explanation | Yes | null | 3,509,164 |
2021-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | These accounts are not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33162 | null | Consent provided | Web | 2021-06-29 | Closed with explanation | Yes | null | 4,502,632 |
2023-02-17 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | Please be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) 15 U.S. Code 1692g stating your claim is disputed and validation is requested.
Please understand that this letter is not a request for verification or proof of mailing address. This services as an explicit a request for VAILDATION made pursuant to the above-mentioned Title and Section. Im requesting that your office provides me with competent evidence that I have any legal obligation to pay you.
Im also informing Eastern Revenue Inc., that if your office has reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws.
Due to this fact, if any negative mark is found on any of my credit reports by Eastern Revenue Inc or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If Eastern Revenue Inc, can provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If Eastern Revenue Inc., fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
The Following information is required. Please fill om the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ___No ___Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants Eastern Revenue Inc., the authority to collect this alleged debt.
Signed agreement Debtor has made with Eastern Revenue Inc., or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
__Yes __No Have any Judgements been obtained by any creditor regarding this account?
__Yes __No Please provide me the name and address of the bonding agent for Eastern Revenue Inc. , in case legal action becomes necessary : Date : ___________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments of other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and retuned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information. | null | Eastern Revenue, Inc. | PA | 180XX | null | Consent provided | Web | 2023-02-17 | Closed with explanation | Yes | null | 6,578,620 |
2022-10-03 | Debt collection | Mortgage debt | Written notification about debt | Didn't receive enough information to verify debt | Thank you for providing a copy of all the communication from XXXX until charge off date.
I observed that XXXX provided creditor information on some letters and not on other letters. I would request that on all communication which didnot have creditor information, XXXX reveiew its record once again and provide the name of the creditor on the date that communication was sent to me. | null | Real Time Group, Inc. | NV | 89509 | Older American | Consent provided | Web | 2022-10-03 | Closed with explanation | Yes | null | 6,044,284 |
2022-12-29 | Debt collection | Credit card debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | Contacted my wife who is not on the card. Old navy | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | CO | 80020 | null | Consent provided | Web | 2022-12-29 | Closed with explanation | Yes | null | 6,374,770 |
2017-06-22 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | Without notice, justification, cause, or documentation despite requests USAA has removed my online access to my auto loan. I am unable to view or pay my loan as everything is done online and I am no longer able to access my account. I was told I should regain access, then told I would not be given access to my account online. This is a problem, as I have not received paper statements for a while.Thus I do not know where or when I send in my payment. I am unable to view payment history, or anything to do with the account. I have not so much as received a single phone call regarding my auto loan from USAA. I have called to inquire about this and have just been told someone would be in touch. It 's well over a month now that I Have not had access. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | TX | XXXXX | null | Consent provided | Web | 2017-06-22 | Closed with explanation | Yes | null | 2,556,672 |
2021-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have an account on my credit file from credit bureau services. This account isnt mine and under the FDCPA this a violation of my rites. | null | JDJ Investments, INC. | LA | 705XX | null | Consent provided | Web | 2021-08-07 | Closed with explanation | Yes | null | 4,611,742 |
2019-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I lived in apartment complex for 2 years until a Maintance man made it very uncomfortable and was entering my home with no orders I was at a month to month lease by then. I was told to as long as I gave notice it would be fine because I have until the XXXX of each month.I have pictures of apartment left spotless and they never gave me my deposit back which was {$650.00} and they billed me for a months rent which is all false I am going to try to get a smalls claim court order but they are robbing me blind I have never been a late payment type of person on my rent I can get that in writing from each land lord.I have had the last 15 years. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76901 | null | Consent provided | Web | 2019-03-28 | Closed with explanation | Yes | null | 3,194,010 |
2023-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$3400.00} ; XXXX XXXX XXXX Balance Owed : {$7800.00} | null | EQUIFAX, INC. | NY | 146XX | null | Consent provided | Web | 2023-01-27 | Closed with explanation | Yes | null | 6,497,899 |
2018-09-10 | 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 | Equifax, refuses to correct incorrect information on my credit report. My confirmation number has been compromised, and my Equifax Pin Number has been compromised, and I would like an Immediate Investigation, why that, " XXXX XXXX XXXX '' has not been removed off my Equifax Credit Report.! | null | EQUIFAX, INC. | TN | 372XX | null | Consent provided | Web | 2018-09-19 | Closed with non-monetary relief | Yes | null | 3,014,676 |
2023-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33155 | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,761,731 |
2023-08-26 | Credit reporting 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.
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. | GA | 30324 | null | Consent provided | Web | 2023-08-26 | Closed with non-monetary relief | Yes | null | 7,469,179 |
2020-01-27 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | I was served through the City Court notice that Lowes was trying to collect a debt through law firm, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I corresponded with one of the lawyers, XXXX XXXX, about my debt via email. He decided the pay off would be {$500.00} dollars by XX/XX/2017. I paid the amount and I have proof it was cashed. I have contacted the firm, and put in a complaint. They have not responded. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | LA | 70301 | null | Consent provided | Web | 2020-01-27 | Closed with non-monetary relief | Yes | null | 3,510,438 |
2020-07-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I HAVE SOME CREDIT INQUIRES ON MY REPORT THAT ARE ERRORS AND ARE NOT SUPPOSE TO BE THERE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | DriveTime | TN | 38127 | null | Consent provided | Web | 2020-07-23 | Closed with explanation | Yes | null | 3,760,890 |
2023-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hello!
This is in regards to a re- investigation of late payments reporting on my account that I requested. It should have taken place. I have reason to believe that the late payments are reporting inaccurately for the XXXX XXXX and XXXX accounts.
I have strong reason to believe that they are inaccurately reporting.
May you please encourage this company to conduct a proper investigation with the original creditor?
Did they investigate?
Thank you! | null | EQUIFAX, INC. | MI | 480XX | null | Consent provided | Web | 2023-05-13 | Closed with explanation | Yes | null | 6,968,995 |
2020-10-17 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I was notified today, XX/XX/2020, via XXXX that a derogatory mark was placed on my credit score from Williams & Fudge Inc for {$1900.00} for XXXX XXXX XXXX XXXX. I was never notified of this debt, never contacted prior to the derogatory mark, never given this amount, and all of my XXXX XXXX XXXX XXXX debt is being paid through my student loan providers with a 100 % on time payment history. I have not contacted this company because it doesn't even look legitimate to me. The amount owed is a random number and I don't owe this / have never owed this random amount via any college related expenses. | null | Williams & Fudge, Inc | IN | 46563 | null | Consent provided | Web | 2020-10-17 | Closed with explanation | Yes | null | 3,904,626 |
2018-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}. | null | CITIZENS FINANCIAL GROUP, INC. | NJ | 070XX | null | Consent provided | Web | 2018-08-14 | Closed with explanation | Yes | null | 2,991,041 |
2023-07-26 | 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 U.S.C. 1681.
Account name : # XXXX Account name : # XXXX. Account name : # XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A. States 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 to relating consumer to any consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | MO | 63116 | null | Consent provided | Web | 2023-07-26 | Closed with explanation | Yes | null | 7,299,568 |
2022-01-28 | 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 | A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity.
And Have send it Multiple disputes about the Situation And not heard a response | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48205 | null | Consent provided | Web | 2022-01-28 | Closed with explanation | Yes | null | 5,159,863 |
2022-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Someone has tried to get Unemployment in my name and Also receiving cards to activate from XXXX XXXX and XXXX XXXX so far for me to activate when I NEVER applied for ANY of it | null | EQUIFAX, INC. | VA | 244XX | null | Consent provided | Web | 2022-09-15 | Closed with explanation | Yes | null | 5,986,089 |
2018-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I spoke to a customer service representative on XX/XX/XXXX to try to resolve this issue. I was told they dont know why this account is still reporting as late because it has been paid and to call back in 48 hours while they investigate. In the mean time I can file a dispute. This company has charged off my account in XX/XX/XXXX and when this account was charged off it has been paid with the collection agency however, this company is still reporting my account monthly as 180 days past due. This account has a XXXX balance as of XX/XX/XXXX. On XX/XX/XXXX I was told by XXXX XXXX to contact XXXX regarding this problem. | null | EQUIFAX, INC. | CA | 95691 | null | Consent provided | Web | 2018-02-13 | Closed with explanation | Yes | null | 2,813,737 |
2023-03-13 | 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 have letters to XXXX XXXX asking them to re investigate because i found errors on mycredit report and asked them to update it or delete it and it came back verified and updated but how could it be if nothing has changed since XX/XX/2022. My Account # XXXX. I paid an Collections and it is not showing been paid. I want this account deleted immediately. you violated my rights under the FCRA by not fairly and accurately reinvesting my disputes. I do have all my letters that i sent certified and the person the signed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27107 | Servicemember | Consent provided | Web | 2023-03-13 | Closed with non-monetary relief | Yes | null | 6,689,136 |
2022-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX opened XX/XX/2017 XXXX {$360000.00}. | null | EQUIFAX, INC. | CA | 90044 | null | Consent provided | Web | 2022-10-18 | Closed with explanation | Yes | null | 6,093,118 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was about to apply for credit and looked at my credit report and was amazed at all the inaccurate and false information in direct violation of the Fair Credit Reporting Act. On the Attached Identity theft report the listed accounts has violated my state and federal protected consumer rights to privacy and confidentiality under 15 USC 1681. This law says i have the right to privacy and under 15 USC 1681 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. In addition, 15 USC 1681c ( a ) ( 5 ) 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. And lastly under 15 USC 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 reason to believe that the information is inaccurate.
Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Past due {$2400.00}, Accounts for deletion : XXXX XXXX reported XX/XX/XXXX {$4000.00} Accounts for deletion : XXXX XXXXXXXX reported XX/XX/XXXX Account for deletion : XXXX XXXXXXXX reported XX/XX/XXXX {$700.00} Accounts for deletion : XXXX XXXX ACCOUNT FOR DELETION : XXXX XXXX REPORTED XX/XX/XXXX {$590.00} ACCOUNTS FOR DELETION : XXXXXXXX XXXX XXXX reported XX/XX/XXXX {$18000.00} Accounts for deletion : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | XXXXX | null | Consent provided | Web | 2023-04-14 | Closed with non-monetary relief | Yes | null | 6,840,263 |
2018-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my credit without my authorization. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CA | 949XX | null | Consent provided | Web | 2018-04-16 | Closed with explanation | Yes | null | 2,876,785 |
2020-08-28 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | 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. | null | Midwest Recovery Systems | GA | 30038 | null | Consent provided | Web | 2020-09-04 | Closed with explanation | Yes | null | 3,820,196 |
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