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2018-07-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of my credit report. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to all 3 credit bureaus all the other bureaus remove the negative accounts but to my surprise Experian responded stating that after the investigation they have found that I was responsible and the accounts belong to me. That's it no evidence or proof of their investigation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10026 | null | Consent provided | Web | 2018-07-03 | Closed with non-monetary relief | Yes | null | 2,952,825 |
2018-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I submitted a settlement offer to the company with terms as a contract that stated if they accepted and cash the check that was enclosed with the offer they would remove the negative item form both my husband and my credit reports with all three reporting agencies. The offer was accepted and the check has been cashed and the account has been paid but it is still showing negative on my husbands credit report. I sent the contract to them and it was dated for XX/XX/2018 with check enclosed for the amount of {$27.00} that was cashed on XX/XX/2018.. | null | National Credit Systems,Inc. | VA | 23666 | Servicemember | Consent provided | Web | 2018-11-28 | Closed with explanation | Yes | null | 3,082,480 |
2021-05-11 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him.
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. | null | Commonwealth Financial Systems, Inc. | RI | 028XX | null | Consent provided | Web | 2021-05-11 | Closed with explanation | Yes | null | 4,368,053 |
2022-12-17 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | In XX/XX/2022, we purchased XXXX XXXX flights for my wife and I to compete in an XXXX XXXX on XX/XX/2022 with our XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXXXXXX. On the return flight home, we encountered a delay due to mechanical issues with the plane that were evident as we witnessed a mechanic opening and working on the engine, the pilots discussing with the mechanic the status of the flight, and witnessed the baggage attendants removing luggage off the plane after several hours. After leaving the terminal and retrieving our returned bags, the baggage attendants on the tarmac told us the pilots were calling this an overnight and the plane ( XXXX ) would not be leaving the airport. We received over 11 emails indicating the delay exceeding 6 hours ( the flight was scheduled to take off at XXXX XXXX and our last flight delay email was sent for XXXX XXXX. XXXX would not verify a cancelled flight at the terminal with the desk agent, on a chat nearing XXXX XXXX, and even the next day would not announce a cancellation. Customers sat unknowing how to manage this and were told to make other plans by the XXXX desk agent without suggestion of compensation or help in rescheduling plans. After our conversation with the baggage attendant, we were forced to make other plans, which included taking a taxi to XXXX, WI ( XXXX ), booking an expensive last minute flight with XXXX, staying in a hotel overnight, delaying our ability to get home and work the next day, and providing no resolution for customers. Due to my XXXX and being stuck in the airport for so many hours after my XXXX XXXX, my feet became so swollen from sitting and waiting to travel that I had difficulty walking for the next several days.
We filed a claim with XXXX and were only given refunds of our original flight, a {$75.00} apology voucher ( given a few days after our flight ), and a {$100.00} refund for the luggage ; however, we were not refunded for our lodging, transport, or inconvenience. As I had booked this with a XXXX XXXX XXXX XXXX XXXX XXXX we decided to file a claim with eClaims online and proceeded to spend hours submitting claim ( # XXXX ) for a flight cancellation. Several months later, I received a denial of my claim, so I decided to call eClaims and was quite frustrated with the denial. I was told by a customer representative that I should have filed a claim for a delay of flight and not for a cancellation so she elevated the claim to her management team and resubmitted the claim. Several weeks later, I received a denial letter indicating my flight was not delayed more than 6 hours so they could not approve such submission. I sent them an email indicating flight XXXX never got off the ground and the flight was delayed for over 6 hours and I would report them to the CFPB for submitting false realities to their policies they explicitly state in their Terms of Service. They responded with another denial indicating my claim was not allowable as my flight was not delayed more than 12 hours. XXXX did not leave XXXX 's airport within 12 hours of the original delay, nor should customers wait 12 hours in a terminal without proper information that such a delayed flight would eventually take off as we knew it would not.
I am asking for help from the CFPB for violation of customer rights explicitly described in their terms of service.
XXXX XXXX XXXX Tel : XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX XXXX, VA XXXX | null | JPMORGAN CHASE & CO. | CO | 80238 | null | Consent provided | Web | 2022-12-17 | Closed with explanation | Yes | null | 6,332,862 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | This is not even licensed in my state to collect anything at all. I will be contacting the AG of their state as well as mine.
Pursuant to 15 USC 1692 ( c ) ( 2 ) - I am involking my specified remedy as a consumer and the original creditor I am demanding all of the following : XXXX out the balance on this account Pay the attached invoice and compensate me for every violation labeled in the attached exhibits. | null | EQUIFAX, INC. | MD | 206XX | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,277,861 |
2023-08-21 | 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 | The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law.
XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$53000.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | XXXXX | null | Consent provided | Web | 2023-08-21 | Closed with explanation | Yes | null | 7,429,105 |
2022-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | The loan with XXXX was paid on XXXX, however it continued to be reported that I had 2 auto loans out at that time. My FICO score was well over XXXX prior to getting the new loan. My score is in the mid XXXX now! Apparently the other two credit bureaus have NO SCORE for me according to your site that I was just on?
What in the world is going on?? I can not even attempt to purchase anything with this XXXX score!!
Do the 3 bureaus share information?
Please help!! Thank You | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92105 | null | Consent provided | Web | 2022-04-26 | Closed with non-monetary relief | Yes | null | 5,495,743 |
2019-11-19 | Student loan | Federal student loan servicing | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both the credit bureaus and XXXX XXXX with no successful resolution. The credit bureaus only reporting me late. There was definitely an error on their part. I was never late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11758 | null | Consent provided | Web | 2019-11-21 | Closed with explanation | Yes | null | 3,442,587 |
2018-02-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Bankruptcy listed with XXXX, XXXX and Experian has incorrect information listed. Bankruptcy is listed with a XXXX dollar amount. Disputed with credit bureau asking for them to provide proof of how the information was verified. No information was provide | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30228 | null | Consent provided | Web | 2018-02-03 | Closed with explanation | Yes | null | 2,802,487 |
2017-04-27 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | Called from an XXXX GA number but company is physically located in XXXX XXXX Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity. | Company disputes the facts presented in the complaint | Strategic Alliances, Inc. | SC | XXXXX | null | Consent provided | Web | 2017-05-08 | Closed with explanation | Yes | null | 2,469,614 |
2021-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im a victim of identity theft. A. fraudulent account from XXXX XXXX XXXX, was recently placed on my credit report. Ive tried speaking with both credit bureaus and the collection agancy. Ive also sent multiple copies of FTC reports requesting this information be blocked from my credit report.
Ive never done business with XXXX XXXX XXXX, Or XXXX XXXX XXXX XXXX nor or signed into a written contract with these companies. This is a fraudulent account!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30281 | null | Consent provided | Web | 2021-05-19 | Closed with explanation | Yes | null | 4,390,407 |
2023-04-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX 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 | Experian Information Solutions Inc. | FL | 33569 | null | Consent provided | Web | 2023-04-20 | Closed with non-monetary relief | Yes | null | 6,864,832 |
2021-12-07 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was paid | State Collection Service , Inc XXXX XXXX XXXX XXXX, WI XXXX I discovered a debt belongs to my late wife in my credit report.
This company was hired by XXXX XXXX XXXX in XXXX Maryland last XX/XX/XXXX. I paid the debt in full for the final bills they never sent to me after my medical insurance paid them {$17000.00}.
I paid {$370.00} in postal money order and sent to XXXX XXXX XXXX on XX/XX/XXXX as agreed with a representative in their billing department.
On XX/XX/XXXX this collection company updated the debt {$370.00} as current. This is Fraud and false information for the debt no longer exist. Today XX/XX/XXXX I contact and leave message and a written explanation to ask them to verify the debt and remove all negative remarks and not accurate information from my credit report.
I also call their consumer relations leave message. Everyone at their company are notified.
US Postal Money Orders XXXX {$370.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Maryland Mailed Certified with Return Receipt I am asking the FTC Consumer Protection to fully investigate this company and their bad business practices hurting consumer like myself. I am a citizen of this country and a XXXX XXXX, and this is how they repaid me for served this country for shady business like this in America. | null | State Collection Service, Inc. | MD | 211XX | Servicemember | Consent provided | Web | 2021-12-08 | Closed with explanation | Yes | null | 4,987,219 |
2020-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I completed the lease term on my XXXX XXXX this XXXX.
I have NEVER been late and I settled my end of lease commitments and I closed out my account with a XXXX balance. In XXXX, I received a {$30.00} bill from GMC Financial. I called GMC Financial and they said it was an error and to disregard it. I had XXXX balance. In XXXX, I received an alert from my XXXX XXXX monitoring with a 30 day derogatory on my credit report. I call GMC Financial again and they said they would correct it. There were notes in the system from my previous calls already. They said they would fax me a letter to confirm and they never did. Again, in XXXX, I received another alert saying I was 60 days late for {$30.00} to XXXX XXXX. I called them again and they confirmed the notes in the system and agreed they were correcting the matter. They said they would fax me a letter and again, they never did. I've called and complained two more times after and finally I received a faxed letter saying I have never been late. See Attached.
Yesterday, I was denied a my new lease vehicle because of the incorrect late payments reported by GMC Financial. GMC Financial ruined my credit and the ability to buy a new vehicle. The new leasing company is requiring XXXX down payment as a result of these recent late payments. GMC financial has affected my financial livelihood with their negligence and poor customer service.
This is disheartening. | null | General Motors Financial Company, Inc. | CA | 911XX | null | Consent provided | Web | 2020-10-06 | Closed with non-monetary relief | Yes | null | 3,876,696 |
2020-09-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | FL | 33870 | null | Consent provided | Web | 2020-09-11 | Closed with explanation | Yes | null | 3,845,970 |
2023-08-15 | 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 | Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33625 | null | Consent provided | Web | 2023-08-15 | Closed with non-monetary relief | Yes | null | 7,403,071 |
2022-02-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I keep receiving threatening phone calls from this number XXXX ( XXXX ) XXXX. I paid the XXXX XXXX ( Comenity Bank ) before I purchased my house over 3 years ago. The person keeps calling from the phone number XXXX ( XXXX ) XXXX threatening me with law suits and going to my place of employment. | null | Bread Financial Holdings, Inc. | VA | 22405 | null | Consent provided | Web | 2022-02-24 | Closed with explanation | Yes | null | 5,258,318 |
2023-09-01 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below.
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX 4. XXXX XXXX Date of inquiry XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19146 | null | Consent provided | Web | 2023-09-01 | Closed with explanation | Yes | null | 7,480,660 |
2021-04-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Account not mines. Submitted FTC report.
1 Original creditor : {$90.00} Account number XXXX 2. Original creditor : {$650.00} Account number XXXX Remove Inquiries 3.XXXXXXXX XXXX 4.XXXX XXXX XXXX XXXX 5.XXXX 6.XXXXXXXX XXXX XXXX XXXXXXXX 7.XXXX XXXX XXXX 8.XXXX XXXX 9.XXXX XXXX 10.XXXX XXXX | null | EQUIFAX, INC. | DE | 19802 | null | Consent provided | Web | 2021-04-04 | Closed with explanation | Yes | null | 4,270,238 |
2023-07-17 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | Student Loans were in forbearance by the US government until XX/XX/2023. I applied for income based and received the run around until I filed a complaint. Then all of a sudden I got a letter saying I had a payment due that was not there before I complained. Why are my student loans forbearance? | null | Navient Solutions, LLC. | TX | XXXXX | Servicemember | Consent provided | Web | 2023-07-17 | Closed with explanation | Yes | null | 7,263,763 |
2021-11-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT.
Wrong Name : XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Employers : XXXXXXXX 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 | 32114 | null | Consent provided | Web | 2021-11-29 | Closed with non-monetary relief | Yes | null | 4,954,417 |
2022-02-03 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | XXXX XXXX {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19150 | null | Consent provided | Web | 2022-02-03 | Closed with explanation | Yes | null | 5,183,131 |
2021-12-20 | 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 mailed an Affadvit to Experian via certified mail on XX/XX/2021 pointing out the inconsistent information with 3 accounts reporting on my credit report. I provided copies of my credit report showing the errors that they were reporting. They received this packet on XX/XX/2021 per USPS tracking : XXXX. They responded back to me via digital response through their app on XX/XX/2021 saying the accounts were verified as accurate. I sent another letter certified mail on XX/XX/2021 asking them to provide me with the documentation and methods of verification which I have a right to obtain per the FCRA. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded virtually again stating the account was verified, again not providing the requested information of verification methods. I wrote a final letter and sent it certified mail again on XX/XX/2021 making a final goodwill attempt to receive the requested information of methods of verification or deletion of the invalid information. They received this on XX/XX/2021 per tracking USPS : XXXX. They responded to me again virtually just saying the information was verified and not providing me the information I requested for. I am filing this complaint as they are not complying with the FCRA and they are reporting invalid information to my credit report that must be deleted per the FCRA. Please see the documentation below including information I provided from my credit report of the invalid information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 350XX | null | Consent provided | Web | 2021-12-20 | Closed with non-monetary relief | Yes | null | 5,023,688 |
2021-12-25 | 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 validation of debt letter under Fair Debt Collections Practice Act was sent to Portfolio Recovery Associates but they did not follow the requests of the letter within 30 days. A certified receipt from the united states postal service accompanied the letter to prove they received it. Up to present day they have not provided an original contract that bears my signature. They also failed to provide an affidavit of claim & a certification of authority. Due to their blatant negligence the alleged debt from Portfolio Recovery is considered fraudulent and invalid. | null | PORTFOLIO RECOVERY ASSOCIATES INC | PA | 190XX | null | Consent provided | Web | 2022-01-04 | Closed with explanation | Yes | null | 5,040,810 |
2017-04-26 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | XXXX XXXX XXXX is a California Limited Liability Partnership lo cated in XXXX XXXX , CA owned and operated by G.H. XXXX XXXX . They have retaine d Kimball Tirey & St. John a s counsel. They are a real estate company who has ownership in the The XXXX XXXX XXXX in XXXX XXXX XXXX . From my understanding they are attempting to collect {$6700.00} for an apartment lease for their property The XXXX that I was NOT responsible for. I reached out to this firm shortly after reviewing the error on my credit report. XXXX XXXX XXXX of Kimball Tirey & St. John provided insufficient documentation to validate the debt on or about XXXX XXXX , XXXX . The names listed on the lease were that of TWO other consumers. The only signatures and initials on the lease that XXXX XXXX XXXX attorneys provided were that of those two ONLY. My signatures and initials were never on these documents. This is NOT my lease nor my debt. I sent out dispute letters on XXXX XXXX , XXXX to all XXXX credit bureaus to conduct their own investigations. XXXX is the ONLY bureau who has validated this debt. XXXX has since deleted this account. XXXX is still conducting their investigati on. Kimball Tirey & St. John have b een reporting this account incorrectly on my credit report for over 2 years. They have caused financial harm and distress by reporting this account. Not only is the debt not mine, it is listed as an individual account, when in fact it is a joint account of the actual lease holders. This continued reporting of erroneous information has forced me to obtain counsel for possible litigation again st Kimball Tirey & St. John for violation of provisions under the FDCPA and FCRA. Without proof of this alleged item, specifically the contract WITH MY SIGNATURE & INITIALS, the item must be deleted immediately from all credit reports bearing my name. Kimball Tirey & St. John have failed in providing any such documents with this information. They have only provided a few pages from an incomplete lease agreement with other consumers names, signatures and initials and a ledger as proof of debt. This is unacceptable. If this final request does not prom pt Kimball Tirey & St. John t o conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX County for damages. I take my credit very seriously and the lack of professionalism and assistance in this matter has been outrageous. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. | null | Kimball, Tirey & St. John LLP | CA | 902XX | null | Consent provided | Web | 2017-04-28 | Closed with explanation | Yes | null | 2,468,201 |
2018-04-07 | Checking or savings account | Checking account | Managing an account | Banking errors | I received a Investors Bank mail flyer advertising a {$200.00} promotional offer to open a " Yourstyle '' checking account. I opened this promotional account at the XXXX, NJ branch of Investors with the Assistant Branch Manager, XXXX XXXX on XX/XX/XXXX. My family member who had also received the same promotional offer flyer, opened his " Yourstyle '' checking account at the same time.
XXXX explained to us that in order to get the {$200.00} reward, we must both do either an ACH direct deposit of {$500.00}, or have 10 point of sale ( POS ) transactions using our Investors Bank debit card linked to the account within the first 90 days after we opened our account ( s ). After 90 days of account opening Investors Bank will verify that we did either the ACH or POS and then credit the {$200.00} reward ( s ) to our checking account ( s ) by the end of the 4th statement cycle from account opening. Since neither of us have direct deposit we told XXXX we would do the required 10 POS debit card purchases to qualify for the {$200.00} reward ( s ). Subsequently, we both did our respective 10 POS purchases around XX/XX/XXXX and we waited for the end of the 4th cycle ( XX/XX/XXXX ) to receive our respective {$200.00} reward.
When my family member did not receive the {$200.00} reward, he called Investors Bank and XXXX on XX/XX/XXXX to find out why and she said he had to do the 10 POS each and every month -- not just one time to get the {$200.00} reward. He replied this was not what she explained to us last XXXX at account opening and moreover the confusing language of the offer does not appear to say it has to be done each and every month -- only one time ( see attached promotional offer document ). XXXX replied she did not recall our conversation last XXXX in this regard and referred him to call her boss, Manager XXXX XXXX.
Later that day on XX/XX/XXXX, He spoke to XXXX who admitted that she also had to re-read the offer document five times because the language was not clearly written and indeed confusing. XXXX finally determined that the offer required us to do 10 POS purchases after waiting 90 days from account opening and before the end of the 4th statement cycle from opening -- not within 90 days from account opening as we were told by XXXX when we opened the account ( s ) and therefore the 10 POS purchases we did within the first 90 days did not count for the reward. He told XXXX, had the confusing offer language been explained to us accurately it would have been very easy for us to do the 10 POS after waiting 90 days ( XX/XX/XXXX ) and before XX/XX/XXXX ( offer deadline ) instead. We only followed what we were told by XXXX ( a Investors Bank Assistant Manager ) who appears to have misunderstood the confusing language of the offer and we should not be penalized because we also did not understand the confusing language of the offer.
As a resolution, He suggested to XXXX that we be given a short time extension of the offer to do 10 additional POS purchases to qualify for the {$200.00} reward as the XX/XX/XXXX deadline had just ended the day before. XXXX agreed the language of the offer was very confusing and she said she would escalate the issue to her boss and see if his suggestion was doable. The following week XXXX informed him that her back office said they did not have the capability to extend the offer deadline and XXXX also said the issue had been escalated by XXXX 's boss to her Superior to see what can be done. On XX/XX/XXXX, XXXX called to say her big boss had decided to deny our complaint but XXXX said he could call Investors Bank Compliance Department about the confusing offer language to see if they can help.
He called the Compliance Department on XX/XX/XXXX and was told by a Investors Bank representative named XXXX that Compliance does not speak to customers directly. He explained the unfair circumstances of our complaint to XXXX who then called XXXX to verify his statements. After speaking to XXXX, XXXX filed a request on our behalf to Compliance to investigate our complaint. On XX/XX/XXXX XXXX called to say that Compliance agreed the offer language was confusing and that they would make changes for future offers but that they could not overrule XXXX 's big boss 's denial. He told XXXX that Investors Bank was being unfair and unreasonable and XXXX said she was sorry she could not help.
Please be advised that my family member has filed the same complaint for his account in a separate filing with CFPB. | null | INVESTORS BANK | NJ | 07747 | null | Consent provided | Web | 2018-04-07 | Closed with monetary relief | Yes | null | 2,867,299 |
2017-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 373XX | Servicemember | Consent provided | Web | 2017-08-15 | Closed with non-monetary relief | Yes | null | 2,643,548 |
2020-09-02 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. | null | Bread Financial Holdings, Inc. | MA | 02324 | null | Consent provided | Web | 2020-09-02 | Closed with explanation | Yes | null | 3,828,096 |
2021-10-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I love my Citi Prestige card and always use it when traveling. My wife and I had a 2 week trip to Italy in XXXX, and we had huge security problems while staying at 1 specific hotel. I had originally booked 2 nights, but had to leave in the early morning after the first night. Security deposit box wasn't working, door wouldn't close ( physically close ) so we had to take turns sleeping and watching the door. It was an ordeal. This was reported several times to reception, but was never addressed and we had to leave asap next morning and find ( and pay at higher rates since it was at the last moment ) for another hotel. I submitted a dispute through Citi Bank for partial credit ( 1 night out of 2 ), since Hotel refused to refund us. Citi had our backs ( thank you Citi! ) and resolved the dispute in our favor. Again, for partial credit, not the whole amount since I'm not trying to scam anybody. However, I received a very confusing letter a few days ago asking for signature and to provide proof. I'm not sure what I'm supposed to sign or provide, if I had already provided my statement when I submitted my dispute and Citi already resolved the dispute in my favor permanently ( not temporarily ) and sent me a letter stating the matter was closed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | FL | 331XX | null | Consent provided | Web | 2021-10-19 | Closed with explanation | Yes | null | 4,825,164 |
2019-03-13 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was result of identity theft | In XX/XX/XXXX I Discovered that a fraudulent credit card had been opened in my name because Bank of America posted it as bad debt and it went to the credit bureaus. The card had a balance of around $ 20k on it. The card was used to pay off a XXXX XXXX credit card in my name which I also did not open. XXXX XXXX has determined this card as fraud and to my knowledge has let Bank of America know of this fraud. Bank of America still refuses to admit this credit card as fraud despite several attempts to prove that it is fraudulent. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | SC | 292XX | null | Consent provided | Web | 2019-03-13 | Closed with explanation | Yes | null | 3,178,087 |
2017-05-18 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | Middle o f XX/XX/XXXX : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed. XX/XX/XXXX : I ( father co-signer ) asked XXXX XXXX ( daughter ) " I need you to verify that the 2nd payment to Navient is being applied to the principal, if not make it from here on out. " XXXX , make sure th e 2nd payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register. XX/XX/XXXX : Dad, I got a headache talking to those people a t Navient..Majority of your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in. Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest. Making 2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement. Refinance home to payoff loan - called on XX/XX/XXXX requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to 20 days for the statement to be mailed. Received on XX/XX/XXXX a list of payments and dates, no balance as of dates, no balances at all. Called on XX/XX/XXXX to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the 1st payment of {$150.00}, {$50.00} is interest and the 2nd payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else. They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies! XXXX XXXX Co-signer Account # XXXX ( on recent correspondence ) Loan # XXXX Account # XXXX ( on XXXX XXXX ) | null | Navient Solutions, LLC. | MD | 20747 | null | Consent provided | Web | 2017-05-18 | Closed with explanation | Yes | null | 2,487,474 |
2022-12-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I suspect fraudulent inquiries on my credit report. below are the inquiries listed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | PA | 19120 | null | Consent provided | Web | 2022-12-25 | Closed with non-monetary relief | Yes | null | 6,358,808 |
2023-09-06 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | On XX/XX/XXXX, I received notice from my bank, JPMorgan Chase & Co ( Chase ), of a potentially fraudulent charge on my debit card. I reviewed the charge and determined that it was fraudulent. I declined the charge and Chase canceled my debit card at the time and ordered me a new one.
On XX/XX/XXXX, I received notification from Chase that someone had again attempted to use a debit card in my name fraudulently. I checked the last four digits of the card Chase said had been used, and determined that those four digits ( XXXX ) didnt match the last four numbers for any card that either my spouse or I have ever possessed. I declined that transaction as well. I then received a call from someone purporting to be aligned with the Chase fraud department ( XXXX XXXX XXXX ), who told me that my PIN number had been compromised and that I need to change it. I complied by entering my PIN number, and received a new number in return. I now believe this was a fraudulent call, but didnt recognize it as such at the time.
Later in the day, after the second attempt to use a debit card in my name had been attempted, I opened up my wifes mobile banking app to check on the attempted purchases. This is when I noticed that my savings account had had {$3500.00} withdrawn from it approximately half an hour prior. I confirmed with my spouse that she hadnt made that withdrawal, and called Chases fraud hotline. There I reported the fraudulent charge, which appeared to be a wire transfer that was still marked as pending. I urged them to cancel the charge. They recommended that the next day I go into a chase bank and change my account information. They opened an investigation into the alleged fraud and told me theyd be in touch. They did not cancel the pending fraudulent transaction. They did not contact me again for further information.
The next day, XX/XX/XXXX, I went into my local chase bank at XXXX XXXX XXXX , XXXX Il. There I changed my account information and inquired into the details of the fraudulent transaction. A chase employee was able to pull up the transaction from the day before. She was able to tell me that the person went into a chase bank in XXXX XXXX located at XXXX XXXX XXXX. XXXX XXXX is a suburb of XXXX and an approximately three hour drive from my home. The withdrawal took place at XXXX in the afternoon, and that teller # XXXX assisted the person who made the fraudulent transaction. The transaction was made using my PIN number, though the person assisting me couldnt say what form of ID was used. Additionally, I learned that the card ending in XXXX, which had been the second attempted fraudulent debit card transaction, had been opened the day before. A card bearing my name had been sent to an address in XXXX Il, a suburb of XXXX XXXX XXXX, approximately an hour and a half south of my home address.
On Sunday XXXX my wife received notification from Chase that they would not be refunding the money taken from our savings account. The letter stated that the fraud team determined that the withdrawal was either authorized by me, or that we benefited from the withdrawal. I called the number provided in the letter to ask questions and spoke to an agent for chase. She told me that the issue was that, since I hadnt reported my card lost or missing ( my card during all relevant points of this issue was non functioning, but had remained in my possession ) and since the withdrawal was used using my pin, Chase wouldnt be able to prove fraud. I filed a complaint citing in part that I believed the decision was made without all the facts, but was told that there was no appeal process and that the customer claims departments decision was final.
On XXXX I filed a police report regarding the theft and gave the salient details. At the time of this complaint ( XXXX ) have not yet heard more from the police. I hadnt filed prior to this because I had believed Chases fraud department would do so following their investigation, and would be better equipped to find the fraudster since they had more j formation than I did.
In the afternoon of XXXX I received my replacement debit card. I activated it using my original pin, rather than the new pin I had thought Id been given. This is when I figured out I had been a victim of a scam. I had previously been unsure as to how the fraudsters had obtain my PIN number.
The theft was conducted three hours north of my home at XXXX XXXX. I was at my place of employment in XXXX Il until XXXX that afternoon.
Had the investigators for chase contacted me or attempted to obtain more information I believe their analysis would have resulted in a different decision. Im sure there are cameras at the bank where the theft was conducted which would show that I wasnt the person making the withdrawal. Just as Im sure that a reasonable investigator with reasonable effort would have determined that I couldnt have possibly had been the person involved. Had chase listened to my complaint on XX/XX/XXXX, they could have canceled the money transfer while it was pending and protected my savings account.
Additionally, I am unsure as to what what verification was required at the XXXX XXXX chase bank, but I am disturbed that someone was able to imitate me and withdraw so much money with, apparently, so little scrutiny. My card had been canceled and reported as having been involved with fraudulent transactions just days prior, it seems as if more should have been required of my imposter than my PIN number. | null | JPMORGAN CHASE & CO. | IL | 62704 | null | Consent provided | Web | 2023-09-06 | Closed with monetary relief | Yes | null | 7,509,840 |
2023-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Ive previously reported fraud and inaccuracies on my credit reports regarding an account XXXX and this has still not been removed. The creditor goes by XXXX and I need this to be resolved. Ive since contacted the XXXX XXXXo report fraud | null | EQUIFAX, INC. | GA | 30331 | null | Consent provided | Web | 2023-02-26 | Closed with explanation | Yes | null | 6,617,942 |
2015-11-23 | Debt collection | Other (i.e. phone, health club, etc.) | False statements or representation | Attempted to collect wrong amount | ERC keeps trying to collect for a debt supposedly owed to XXXX XXXX. This is not a valid debt. It is an accounting error on XXXX part. It stems from their in store employees wrongfully issuing a separate account when I joined my family 's family plan. | Company believes it acted appropriately as authorized by contract or law | ERC | MD | 20705 | null | Consent provided | Web | 2015-12-09 | Closed with non-monetary relief | Yes | No | 1,668,931 |
2019-05-31 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | I've had a student loan for over 10 years now. This loan has been moved multiple times with different companies. The loan is currently with Navient and even though I have never missed a payment my balance has not improved or decreased. | null | Navient Solutions, LLC. | FL | 33647 | null | Consent provided | Web | 2019-05-31 | Closed with explanation | Yes | null | 3,259,801 |
2023-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | IN | 47421 | null | Consent provided | Web | 2023-01-20 | Closed with explanation | Yes | null | 6,466,256 |
2021-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I have had my credit checked three times recently and was not approved for loans. I received letters stating upon checking my credit that it was reported to them that I have a delinquent account. According to all reports I can see it states zero late payments, always on time, XXXX score and everything appears correct. Theyre stating my score is XXXX and I have a serious delinquency. I want to know what the delinquency account is if there is one because I would have definitely paid it. I need to be able to have credit available as needed and will need to purchase a vehicle next year which will cause problems with the interest rate and possibly the purchase. | null | EQUIFAX, INC. | TN | 370XX | null | Consent provided | Web | 2021-03-07 | Closed with explanation | Yes | null | 4,190,618 |
2022-09-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I submitted 3 tickets from XXXX to Grains customer support team letting them know I couldnt access the app to update my bank account. I didnt receive a reply until XXXX and I was reported being 30 days late to the credit bureaus. They dont answer phone calls. If I cant access the app, I cant pay. | null | Grain Technology, Inc. | TX | 75204 | Servicemember | Consent provided | Web | 2022-09-18 | Closed with explanation | Yes | null | 5,993,245 |
2022-08-10 | 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 | I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00} | null | EQUIFAX, INC. | MO | 631XX | null | Consent provided | Web | 2022-08-10 | Closed with explanation | Yes | null | 5,859,433 |
2023-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93021 | null | Consent provided | Web | 2023-02-01 | Closed with non-monetary relief | Yes | null | 6,508,957 |
2023-04-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | null | EQUIFAX, INC. | PA | 15001 | null | Consent provided | Web | 2023-04-01 | Closed with explanation | Yes | null | 6,782,383 |
2023-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$810.00} ; 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. | TX | 77489 | null | Consent provided | Web | 2023-01-07 | Closed with explanation | Yes | null | 6,405,900 |
2023-04-09 | 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 have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, Experian and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80904 | null | Consent provided | Web | 2023-04-09 | Closed with non-monetary relief | Yes | null | 6,812,125 |
2020-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX filed a complaint and a proposed stipulated judgment in federal district court for the XXXX XXXX XXXX Indiana alleging that XXXX provided substantial assistance to XXXX XXXX XXXX XXXX XXXX ( IXXXX ) in engaging in unfair acts and practices. XXXX operated XXXX XXXX XXXX until it filed for bankruptcy and ceased operations in XXXX. XXXX XXXX complaint alleges that XXXX was actively involved in the creation and the implementation of the XXXX loan program. The complaint alleges that XXXX induced its students to take out the loans by a variety of means, and that XXXX knew or was reckless in not knowing that many student borrowers did not understand the terms and conditions of the XXXX loans and could not afford them.
On Saturday, XX/XX/XXXX, it was announced that student loan cancellation benefits will be offered to XXXX former XXXX XXXX XXXX, with up to {$160.00} XXXX dollars in debt being forgiven.
This agreement was reached as part of a deal between the Consumer Financial Protection Bureau ( CFPB ), State Attorney Generals from 43 different states, and Student CU Connect ( CUSO ), the company who distributed and managed private student loans for XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29690 | Servicemember | Consent provided | Web | 2020-11-30 | Closed with explanation | Yes | null | 3,981,975 |
2020-04-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Transunion reports a charged off credit card with XXXX XXXX XXXX. This account does not belong to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34287 | Older American | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,598,209 |
2020-04-08 | Credit card or prepaid card | General-purpose prepaid card | Trouble using the card | Trouble using the card to spend money in a store or online | I purchased a Visa gift card from prepaidgiftbalance.com a company of US Bank at XXXX grocery store. When tried to use the card it declined. It was a gift so, I do not know what to do to get my funds. I called the prepaidgiftbalance at XXXX and they said they blocked my card and they are holding my funds. I advised them, we paid cash and they would need to pay me interest for holding my funds. They said I need to provide all of my personal identification through a fax- I advised them I do not have a fax and the info will not match since it is a gift and we are in an emergency and need food. They said they would not release my money. They have 2 of my cards held with over {$100.00} that I need desperately due to coronavirus. I want XXXX to know of how customers are being treated and I would like help in getting my money. I am out of work and can not get food for my family. Please help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | KY | XXXXX | null | Consent provided | Web | 2020-04-08 | Closed with explanation | Yes | null | 3,597,293 |
2023-08-09 | 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 33614 | null | Consent provided | Web | 2023-08-09 | Closed with non-monetary relief | Yes | null | 7,373,207 |
2023-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.
15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
PLEASE SEE ATTACHED LETTERS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30281 | null | Consent provided | Web | 2023-05-26 | Closed with non-monetary relief | Yes | null | 7,031,654 |
2021-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53208 | null | Consent provided | Web | 2021-02-24 | Closed with explanation | Yes | null | 4,162,775 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle.
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 79924 | null | Consent provided | Web | 2023-06-01 | Closed with non-monetary relief | Yes | null | 6,931,815 |
2020-03-31 | 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 | Have repeatedly disputed inquiries on credit report. Credit bureau has not investigated disputes and information remains on report. Investigation not done within the time frame required by law.
XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | 30214 | Servicemember | Consent provided | Web | 2020-03-31 | Closed with explanation | Yes | null | 3,588,021 |
2020-01-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | they said I was behind on my payment XX/XX/XXXX and XX/XX/XXXX by more than 30 and more than 60 days they report this to the credit company I disputed this with them but they keep reporting it tried to tell them. I have never been late in the 4 and a half years I have been paying on this loan I want them to stop reporting that I was late because I was not | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 417XX | Servicemember | Consent provided | Web | 2020-01-01 | Closed with explanation | Yes | null | 3,482,763 |
2022-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | The credit reporting agencies ( CRA ) repeatedly allow the below list of creditors to falsely report dispute remarks on my credit report. In XXXX, I exercised my rights to request an investigation into the accuracy of the information reported for these accounts. Upon resolution of the disputes, much of information was updated satisfactorily. However, the dispute remarks, as noted in the table below, were subsequently added to my reports. Per phone discussions, I have confirmed there are no open disputes with any of these creditors or with any of the CRAs. I have requested the comments be removed through multiple phone calls. While each CRA has removed the remarks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the remarks reappear within the month based on the creditor reporting schedule. I have explained to each of the credit bureaus that this information is inaccurate and have been unsuccessful in requesting an escalation to permanently remove them. I was informed that there was no escalation process available to me, and that each CRA would continue to re-add the remarks without performing an investigation of their accuracy as long as the creditors continued to report them. The continual reinsertion of the previously removed remarks without certification of the accuracy is a violation of FCRA 611 ( 15 U.S.C. 1681I ) subsection ( 5 ) ( B ) ( i ). This violation is hampering my ability to grow my credit worthiness, as lenders are unable to place reliance on any reporting associated to these accounts because there appears to be open disputes. I should not be penalized with inaccurate dispute remarks continually being reinserted into my credit profile just for exercising my rights to have 100 % accurate account reporting. The remarks section is not accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the Credit Reports showing the inaccurate Dispute Remarks. **NOTE : Unable to Upload Trans Union credit Report due to system limitation for file size.
List of account : 1.Trans Union a XXXX XXXX XXXX XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection b. XXXX XXXX XXXX XXXXXXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection cXXXX XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection d. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees ; > Placed for collection eXXXX XXXX XXXX XXXX XXXX - XXXX Account Information disputed by consumer ( FCRA ) > Placed for collection fXXXX XXXX XXXX XXXX - XXXX Account Information disputed by consumer ( FCRA ) > Placed for collection XXXXXXXX a. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees b. XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees cXXXX XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees dXXXX XXXX XXXX - XXXX Completed investigation of FCRA- customer disagrees eXXXX XXXX XXXX - XXXX Account information disputed by consumer, meets FCRA requirements f. XXXXXXXX XXXX XXXX XXXX - XXXX Account information disputed by consumer, meets FCRA requirements gXXXX XXXX XXXX XXXX XXXX Account information disputed by consumer, meets FCRA requirements 3XXXX a. XXXX XXXX XXXX XXXX Customers disputes after resolution, placed for collection b. XXXX XXXX - XXXX Customers disputes after resolution, placed for collection c. XXXX XXXX - XXXX Customers disputes after resolution, placed for collection d. XXXX XXXX - XXXX Customers disputes after resolution, placed for collection eXXXX XXXX XXXX XXXX XXXX - XXXX Customer disputes this account information f. XXXX XXXX XXXX - XXXX Customer disputes this account information Collections account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 047XX | null | Consent provided | Web | 2022-07-07 | Closed with non-monetary relief | Yes | null | 5,743,547 |
2020-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | REQUEST FOR FREE ANNUAL CREDIT REPORT!!!
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. | null | EQUIFAX, INC. | NY | 11419 | null | Consent provided | Web | 2020-07-29 | Closed with explanation | Yes | null | 3,769,753 |
2020-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | XXXX XXXX XXXX XXXX Is reporting a collection account totaling {$1100.00}. Per the documents that they have provided they purchased the stat from XXXX XXXX and the debt was charged off by XXXX XXXX on XX/XX/XXXX. I have requested a complete transaction history to support the amount they claim I owe and to date they have been unable to provide it. Further, they are reporting an account open date of XX/XX/XXXX but the actual death occurred before XX/XX/XXXX Per the document that they provided. It is my understanding that Credit Card Debt has a statute of limitations of 4 years. Per the document they provided from XXXX XXXX the actual debt is over four years old but they are reporting it on the credit report like the debt began in XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92123 | null | Consent provided | Web | 2020-05-18 | Closed with explanation | Yes | null | 3,658,019 |
2021-12-27 | 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 placed hard inquiries on XX/XX/2021 and XX/XX/2021. I have not requested nor applied for credit with XXXX in the past 2 years. I contacted Experian on XX/XX/2021 to request the removal of such inquiries and they said I needed to contact XXXX directly. I contacted XXXX on the same day and submitted an investigation into such inquiries. I never received any answers from XXXX and the hard inquiries still show on my report.
Then on XX/XX/2021, a new credit card from XXXX was added to my credit report ( date opened : XX/XX/2021 ; credit limit : {$5000.00} ; balance : {$32.00} ). Again, I have not requested nor applied for credit with XXXX in the past 2 years. I contacted XXXX again on XX/XX/2021, they said they could not find such new credit card under my name but have not been able to get the credit card and the hard inquiries from XXXX and XXXX removed from my credit report.
Attached please see Experian report with the disputed account and hard inquiries highlighted in yellow. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98006 | null | Consent provided | Web | 2021-12-27 | Closed with explanation | Yes | null | 5,042,418 |
2023-02-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | VA | 20109 | null | Consent provided | Web | 2023-02-22 | Closed with non-monetary relief | Yes | null | 6,605,309 |
2021-11-24 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | Dear Sir or Madam, 1. CAP ONE AUTO Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your XXXX and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as XXXX XXXX days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
I immediately disputed this information with CAP ONE AUTO and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 77301 | null | Consent provided | Web | 2021-11-24 | Closed with explanation | Yes | null | 4,944,032 |
2023-06-28 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Credit Collection Service ( CCS ) has put a collection item on my credit report. I have never received services/contract with them. They refuse to furnish me with a contract for goods/services that I received from them. How can I pay for something that legally I don't owe? | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | VA | 221XX | Servicemember | Consent provided | Web | 2023-06-28 | Closed with explanation | Yes | null | 7,180,319 |
2020-06-09 | Credit card or prepaid card | Store credit card | Other features, terms, or problems | Other problem | On XX/XX/2020 I received a letter from a debt collector ( XXXX XXXX XXXX , XXXX ) alleging I owe Synchrony Bank, issuer of the Old Navy Credit Card ), an unpaid balance of {$530.00}. This was the first time I have heard of this outstanding balance. Since the last time I used the account ( cant remember when because it was a long time ago ) I have not received any notifications in the form of account statements nor a letter advising that I past due amount or being sent to collections. They alleged they sent it to my address which if I had received it, I would have paid. I have excellent credit ( score well above 750 ) and would not want to jeopardize it in any way. I contacted Synchrony Bank to confirm if this notice was not a fraudulent attempted and they confirmed they sold my debt to a debt collector. When asked to provide copies of the alleged purchases, XXXX, the rep from the Recovery Department, said that the company already sent it to me and I should have it. I insisted to speak to a supervisor and he claimed there are none on staff. He was very rude and unprofessional. Spoke to me in an accusatory manner. I proceeded to call XXXX XXXX XXXX XXXX, and after explaining the situation to XXXX from XXXX XXXX, XXXX, and demanding to see the charges they are claiming I made which make up the past due amount, the call got disconnected. I have made several attempts to contact them and the call gets dropped. This is unfair and abusive practices trying to bully consumers into paying something without giving any details on the charges. This is un acceptable. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | FL | 33184 | null | Consent provided | Web | 2020-06-09 | Closed with explanation | Yes | null | 3,689,391 |
2023-03-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency.
The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95136 | null | Consent provided | Web | 2023-03-28 | Closed with non-monetary relief | Yes | null | 6,764,311 |
2023-06-12 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | Hello The original debtor is XXXX XXXX. I voluntarily had my bad service disconnected at my new location because the service didnt work properly. I talked to them by phone and email trying to resolve the issues. We agreed I would disconnect WITH NO PENALTY since it wasnt my fault. I had several service technicians out and nothing worked. I am attaching several emails of my complaint. XXXX and this collection agency calls me every day from different phones. I feel harassed and I have to keep blocking these numbers from my cell and my business line. How dare they think I should pay early termination fees after agreeing that i didnt have to pay due to bad service.
I will also attach collection agency letter as well. They are trying ti mess up my credit. Just like the insurance companies when you switch companies. | Company believes it acted appropriately as authorized by contract or law | McCarthy, Burgess & Wolff, Inc. | NJ | 08054 | null | Consent provided | Web | 2023-07-18 | Closed with explanation | Yes | null | 7,105,583 |
2023-02-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This company refuses to remove or update their credit reporting entry on my XXXX credit report after being notified that I have filed for bankruptcy on XX/XX/2022. They still are showing false and erroneous information on my credit report regarding my account with them. They are showing that I have a balance owed and that it was a charged off account and in collections when it should only show that it was included in my Bankruptcy and that it is a closed account with a XXXX balance on it. They are in direct violation of my consumer rights and Federal laws by refusing to either remove or update the information that they are reporting about me on my credit reports. This debt was already disputed with XXXX and it came back as being a valid and accurate debt with no changes to my credit report information. Clearly they have lied to the Credit bureaus as well because I am in bankruptcy and they know this because it reflects this on the other credit bureaus but not on XXXX. | Company believes the complaint provided an opportunity to answer consumer's questions | Possible Financial Inc | CA | 95628 | null | Consent provided | Web | 2023-02-26 | Closed with non-monetary relief | Yes | null | 6,615,388 |
2023-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts.
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 | 33157 | null | Consent provided | Web | 2023-05-18 | Closed with non-monetary relief | Yes | null | 6,989,022 |
2019-09-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been requesting investigation of inquiries on my Equifax credit report since XX/XX/2019 due to me being a victim of identity theft. These inquiries still have not been deleted/blocked from my Equifax credit report and every time I send a written letter there has not been a response. With FCRA it states if there is no response in 30 days those items have to be removed. I did not make any transactions or make any inquries with those companies. | null | EQUIFAX, INC. | GA | 30132 | null | Consent provided | Web | 2019-09-19 | Closed with explanation | Yes | null | 3,379,645 |
2023-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | null | EQUIFAX, INC. | NY | 11692 | null | Consent provided | Web | 2023-03-23 | Closed with explanation | Yes | null | 6,741,154 |
2022-11-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This CFPB complaint is a follow up of my recent CFPB complaint I submitted to the Credit Reporting Agencies requesting the removal of the fraudulent accounts and information completely from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint ot protect and execute my rights under the Fair Credit Reporting Act. I aso sent dispute letter to the Credit Bureuas dated XX/XX/XXXX, and I will be waiting for the Credit Bureaus respoonse. In the event the Credit Bureuas do not comply with my requests under the provisions of the FCRA, please udnerstand that I will be filing a lawsuit. Once again, I am requesting that the Credit Bureaus remove the following accounts from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the Credit Bureaus claim that the disputed items belong to me, I request that the Credit Bureaus remove the disputed accounts completely from my Credit file as soon as possible. In the event that the Credit Bureuas are unable to send me copies of documents I seel, please remove the disputed 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. | LA | 70068 | null | Consent provided | Web | 2022-11-01 | Closed with non-monetary relief | Yes | null | 6,146,513 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX i I do not make this inquiry.
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report.
XXXX i I do not make this inquiry.
XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. | null | EQUIFAX, INC. | WA | 98404 | null | Consent provided | Web | 2023-01-03 | Closed with explanation | Yes | null | 6,386,683 |
2022-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I received an alert from my credit card company stating that my score had decreased due to an account reporting a write-off in my name to the credit bureaus. I completed the dispute process since I had no knowledge of opening an XXXX XXXX credit card. I received the results of the investigation done by Experian and no changes have been made and additionally stated that the information is correct. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07202 | null | Consent provided | Web | 2022-06-16 | Closed with explanation | Yes | null | 5,673,497 |
2021-11-02 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Charged for a purchase or transfer you did not make with the card | While Im the mail I never received my card so Im guessing someone stole it I only have access to the online part but someone has access to the physical card that they stole on the mail now American Express says theres nothing they can do about it which is really messed up because I lost {$3000.00} today it was supposed to be a gift for my mother because shes at the hospital but now I have nothing for her but I called the company and they were really rude and telling me to call the merchants which I did and they told me to call the financial intuition but AMEX doesnt do anything Or help they treat their customers so bad these are the transactions : Credit transaction - XX/XX/XXXX eastern standard XXXX In their time XXXX # 1 XXXX XXXX {$1000.00} XXXX XXXX Gadget gone {$600.00} XXXX eastern standard time XXXX service desk XX/XX/XXXX XXXX XXXX service desk {$50.00} eastern standard time {$32.00} {$15.00} XXXX service desk XXXX XX/XX/XXXX - according to XXXX the customer representative | null | AMERICAN EXPRESS COMPANY | IL | 60402 | null | Consent provided | Web | 2021-11-02 | Closed with monetary relief | Yes | null | 4,866,379 |
2021-04-28 | 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 | I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results. | null | AES/PHEAA | VA | 22901 | null | Consent provided | Web | 2021-04-28 | Closed with explanation | Yes | null | 4,332,993 |
2020-06-23 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Scam debt collector | null | Patient Accounting Service Center | CA | 94086 | null | Consent provided | Web | 2020-06-23 | Closed with explanation | Yes | null | 3,711,953 |
2023-04-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending this complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX Balance : {$140.00} ; XXXX XXXX Balance : {$110.00} ; XXXX XXXX Balance : {$380.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX Balance : {$220.00} ; XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | MS | 387XX | null | Consent provided | Web | 2023-04-29 | Closed with explanation | Yes | null | 6,906,792 |
2021-05-26 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I contacted early warning services and XXXX XXXX XXXX in reference to my checking account. I resolved all of my responsibilities. I experienced major issues with XXXX XXXX XXXXXXXX improperly noting my account from a deposit error. They charged excessive fees, I paid even though it was erroneous just to restore my good name. Im a XXXX XXXX, 100 %. Im not rich. I was recently still denied a new checking account because after contacting both companies no repair has been made. Ive now been constantly battling identity theft since 2001. Its disheartening and exhausting. Please compel this corporation to remove the negative reports. | null | Early Warning Services, LLC | CA | 91367 | Servicemember | Consent provided | Web | 2021-05-26 | Closed with explanation | Yes | null | 4,408,579 |
2019-07-02 | 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 issue is an existing problem which credit bureaus weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. All they gave me was a paper print out stating the account was verified. This is against the FTC Law and payments were sent timely on this account and was never late..CFPB step up and fix this error Reverse the late payments on XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 304XX | null | Consent provided | Web | 2019-07-02 | Closed with explanation | Yes | null | 3,293,487 |
2023-06-14 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | Citibank made an internal error thinking I deposited a 3rd party check, which is incorrect. They admitted it was their mistake but closed my account anyway.They simply overlooked the DBA. I am the sole signatory on all the accounts. They closed my account without notice and said it would be 45-60 days before I could get my funds ( approximately {$46000.00} ). I have tried weekly to get my funds or update. This occurred on about XX/XX/2023 and I have still not received my funds. I have SERIOUS health issues... .XXXX XXXX XXXX. I had to miss treatments because I lost my insurance while trying to collect my money. This is lXXXX XXXX. I can not even purchase my normal medicine right now. I haven't paid my rent, or my employees ... this is hideous. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10019 | null | Consent provided | Web | 2023-06-14 | Closed with explanation | Yes | null | 7,117,951 |
2016-06-16 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me. | null | Direct Recovery Services, LLC | FL | 32301 | null | Consent provided | Web | 2016-06-16 | Closed | No | No | 1,971,726 |
2017-10-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I called XXXX and spoke with XXXX XXXX, I advised him of the hard inquiries on my credit report that was due to me being a victim of their misreporting inquiries. The rep stated that I was not a victim of their reporting. Therefore, he remove the inquiries. I asked him why since it was a mistake on XXXX part. He stated he can not remove them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | AZ | 85037 | null | Consent provided | Web | 2017-10-24 | Closed with explanation | Yes | null | 2,705,121 |
2023-08-31 | 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.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 79938 | null | Consent provided | Web | 2023-08-31 | Closed with explanation | Yes | null | 7,483,046 |
2021-02-11 | 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 | XXXX double reported a credit inquiry to Transunion on the same day. They have 2 inquiries on my credit report for XX/XX/2019. Of course, they just love running your credit 20 times when you purchase a car, because every time they submit an inquiry, it lowers your credit score, so by the time you make the actual purchase, your score plummets 100 points and oh my, now we have a higher interest rate, right? This needs to be fixed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60618 | null | Consent provided | Web | 2021-02-11 | Closed with explanation | Yes | null | 4,135,052 |
2018-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes and their system will not allow me to open another one due to them not being able to locate my credit file. Again, Equifax, is the only credit bureau that is reporting incorrect information. | null | EQUIFAX, INC. | TX | 75039 | null | Consent provided | Web | 2018-06-23 | Closed with explanation | Yes | null | 2,944,304 |
2017-12-05 | Credit card or prepaid card | Store credit card | Fees or interest | Charged too much interest | Dear CFPB, I am writing regarding the predatory lending practices of XXXX XXXX and Comenity Bank. We made furniture purchases there under their XXXX month interest free which was heavily promoted by the staff at XXXX XXXX. We have been making regular payments to our account and have actually continued to support the company. Last month we realized that Comenity added large amounts of interest to our balance. Approximately {$3000.00} to be exact. When I called to speak to them about it, they noted that their program is actually a deferred interest program NOT an interest free program as is promoted by them and in the stores. This means that they take the interest accrued over the past XXXX months ( calculated on the original balance even though payments have been made ) and add a lump sum to the account. I spoke to a supervisor at the credit card company for a long time to address the issue. I actually made a payment for the balance on the goods I purchased in FULL ( A ~ {$5000.00} payment ) while on the phone with them. The supervisor understood my concerns because it is an issue they are faced with often since most consumers are mislead to believe they are entering a typical interest free agreement. The supervisor escalated the issue as a dispute to Comenity Bank. I have now received a letter from Comenity Bank stating that they will not forgive these interest charges despite the fact that they are misleading consumers at the time of purchase and are making minimal effort to clearly inform the consumer of the consequences of this particular plan. I am writing to CFPB so that they may address this issue and help other consumers from falling into this same trap.
Thank you for your time! | null | Bread Financial Holdings, Inc. | PA | 19125 | null | Consent provided | Web | 2017-12-05 | Closed with explanation | Yes | null | 2,746,909 |
2022-11-27 | 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 have disputed the same issue with all XXXX credit reporting agencies for the past XXXX XXXX dating back to XX/XX/2021 on an error that was not made by my own doing. There are late payments reporting XXXX of the XXXX student loan accounts I have. I have asked them to verify the information they had with XXXX XXXX verifiable proof XXXX and all I received were automated responses that were generated from the XXXX system they use to automatically verify an account which is a violation of the FCRA. By law the information that they are reporting " SHALL, '' meaning MUST by LAW, report XXXX XXXX accurately. Here are reasons as to why they are inaccurate : XXXX. ) They failed to include the transaction history within my credit report with each delinquent account on my credit report which violates XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) ( B ) " EXCLUSIONS FROM A CONSUMER REPORT '' XXXX. ) Dates of delinquency are reporting inaccurately across all XXXX agencies. If a furnisher is reporting information to each bureau, they all SHALL report the same.
XXXX. ) Failure to notify me of delinquency within XXXX XXXX of delinquency which is a violation of XXXX XXXX XXXX XXXX XXXX XXXXXXXX I've asked the bureaus to provide complete and maximum possible accuracy of this issue and still received an automated response of them items being verified which means they are now intentionally reporting these inaccuracies on my credit reporting after being made aware of the errors. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91405 | null | Consent provided | Web | 2022-11-27 | Closed with non-monetary relief | Yes | null | 6,244,239 |
2020-02-19 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | For the 3rd time since having this car the loan company has taken full payment for the month the loan company then cuts the car off manually so that Im not able to go to work nor take my children to school. Hugh inconvenience to my life and it cost more money from myself. This loan company has also added XXXX dollars to my loan after a year of having the car and never sent me a reason. I am now stuck home and unable to go to work because the company cut the car off. After I made a payment on XX/XX/2020 | null | U.S. Auto Sales Inc. | GA | 30311 | null | Consent provided | Web | 2020-02-19 | Closed with explanation | Yes | null | 3,537,831 |
2017-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In XX/XX/2017 I used XXXX 's service to get credit reports from XXXX, XXXX and XXXX. I noticed that there was a 'negative ' account being reported. The account in question was a Wells Fargo line of credit for {$20000.00} that had a status of " Late 30 Days '', even though the account has a balance of {$0.00} and is closed. I contacted Wells Fargo and their analyst agreed it was incorrect and said she would work to get it corrected. I also opened disputes with all 3 credit bureaus. I thought the issue was resolved, but I just ordered new credit reports, and the account is still in " Late 30 Days '' status. This status has been a negative attribute on my credit report for over 2 years, I have followed the prescribed procedures, waited the 30 days the bank has by law to respond, and they have not corrected the problem. Just to be crystal clear, because the Wells analysts were confused on this point before I escalated : there were several periods over the life of the loan where it was 30 days late, but the CURRENT STATUS is PAID OFF with a BALANCE OF {$0.00}, which means that THE CURRENT STATUS CAN NOT POSSIBLY BE 30 DAYS LATE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 78665 | Servicemember | Consent provided | Web | 2017-07-28 | Closed with non-monetary relief | Yes | null | 2,588,019 |
2023-01-18 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I share my experiences with Veros Credit. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX phone ( XXXX ) I have had dealings with them since XX/XX/XXXX. I sent them a check on a closed account which is used for set off and adjustments. They refused the instrument. I resent the check with the same result.
I sent them an Affidavit of Truth on XX/XX/XXXX. That did not yield any positive results, so I resubmitted on XX/XX/XXXX by certified Mail # XXXX XXXX XXXX XXXX XXXX a Notorized Notice to Cease and Desist, an Affidavit of Truth, and a Certificate of Service all of which are copied originals in my possession.
None of this has been acknowledged by Veros Credit. My last communication from them has been a cartoonish Verification of Debt, which I did not ask for. | Company believes it acted appropriately as authorized by contract or law | Veros Credit, LLC | TX | 78233 | null | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,453,770 |
2022-01-03 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I applied for a care credit through Synchrony bank back ion XX/XX/XXXX. At that time they started taking on some sort of fee called card security which i at no time signed up for. I called them in XXXX and last year XXXX and ask them to stop charging me for this and to cancel. Both times they said it was canceled but yet they have continued to take between XXXX and XXXX dollars out each month for this service which comes up to about XXXX bucks for at least two of the years and XXXX the first year. I am getting no where with trying to resolve this through them so that I can get my almost {$600.00} dollars back that has been stolen from me. I NEED this resolved and my money back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NC | 28806 | Servicemember | Consent provided | Web | 2022-01-03 | Closed with non-monetary relief | Yes | null | 5,064,760 |
2017-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX XXXX. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX XXXX IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX XXXX SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS. 5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE XXXX XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHSXX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT. 8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AL | 35023 | null | Consent provided | Web | 2017-07-14 | Closed with explanation | Yes | null | 2,574,882 |
2023-07-28 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with additional products or services purchased with the loan | I have been asking my lender for a pay off letter for the last 2-3 months in order to sell my car to a dealership. The first time I asked was at the end of XX/XX/2023. I asked if they could email me a pay off letter. They asked why I would want that. And I said I want to sell my car and I need a pay off letter stating how much I owe on my loan. They said okay, we'll mail a letter because they are not allowed to email that kind of information. I gave them my address to send it to and never received anything. I called again in the beginning of XX/XX/2023. I asked again for the pay off letter and once again they asked what do I need a pay off letter for. I explained to them I want to sell my car, please send me a pay off letter. They updated my address and supposedly sent the letter. It is now the end of XX/XX/2023 I called them once again. I asked if they sent the letter and they said we are showing you requested it. I told them it's been almost two months and I have not received anything. I asked if they can email me it. Once again they said no. I asked to talk to a manager or supervisor the person said why, I said let me just talk to your supervisor or manager and they told me that there is no manager or supervisor in.
Also my dealer ship had called on my behalf requesting the pay off letter and one person did say they can email it, but of course only the account holder ( myself ) has to request it. But every time I ask for an email, or just mail, or request to talk to a manager or supervisor they just say no.
I could have sold my car two months ago, but they won't send me a pay off letter. It's starting to feel like they don't want me to sell my car and keep paying there interest rate. | null | LOBEL FINANCIAL CORPORATION | OR | 97070 | Servicemember | Consent provided | Web | 2023-07-28 | Closed with explanation | Yes | null | 7,316,613 |
2021-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have attached a copy of my ID to prove my identity so my case will not be close automatically. I purchased a car using XXXX XXXX for financing. The company handling the repossession in a way that made customers owe a significant amount after repossession. There has been a class-action lawsuit against the company and it was ruled ( Section 12 of Final Order ) the deficiency balance reported to credit agencies will be waived and forgiven. I provided a copy of the class-action lawsuit to XXXX, XXXX and Transunion they still found the information on my credit report to be accurate. They are relying on information provided by XXXX XXXX instead of following the court ruling. According to the court 's ruling in the final settlement, the information is to be removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27526 | null | Consent provided | Web | 2021-08-14 | Closed with explanation | Yes | null | 4,631,736 |
2017-06-15 | 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 | XXXX / XXXX / XXXX ... the XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... the XXXX XXXX . XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... XXXX the XXXX XXXX . XXXX town of XXXX rescue XXXX XXXX the XXXX XXXX XXXX town of XXXX rescue XXXX / XXXX / XXXX ... XXXX the XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX / XXXX / XXXX ... XXXX the XXXX XXXX . XXXX XXXX XXXX XXXX I contacted all creditors with my Medical Insurance information, for them to correct their billing and reporting error, also reported thus information to The XXXX XXXX , all said it would be corrected and removed, due to billings clerical errors in not billing my insurance, for I 've never been without medical insurance. This is still on and hurting my credit so I can not improve my score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | ME | 040XX | null | Consent provided | Web | 2017-06-15 | Closed with non-monetary relief | Yes | null | 2,544,415 |
2023-04-14 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I had signed up for a monthly service from XXXX XXXX XXXX XXXX. The agreement is for them to spray inside and outside of the home, check termite bate stations and mice bate stations. I advised them that they needed to schedule all the appointments with me so I could make sure someone was available to let them into the property. This was going fine until XX/XX/2023. They took it upon themselves to charge me to a service that I never received. They said that they came and sprayed outside. However, the appointment was never scheduled, therefore no one was home, and there is no proof of any services rendered besides a bill they sent. Just to be clear them spraying outside is typically for the summer months for bugs. There is no bugs outside in the XXXX so I am not sure why they would do that. They didn't schedule the appointment therefore the inside was not sprayed, nor was the mice bate stations serviced, and I am not even confident that they actually sprayed outside the house. Once I got the bill I was upset because didn't schedule the appointment and I do not believe my home was serviced and worse case scenario properly serviced. I have never missed a payment with them or any other company for that matter but I refuse to pay for services that was not rendered which I told them that and canceled their service.
In XXXX I received a notice from a collection agency. Kinum asking me to respond to the notice which I did and sent through certified mail on XX/XX/23 tracking number XXXX XXXX XXXX XXXX XXXX. They stated if I responded they would investigate the debt prior to trying to collect, but they did not stop. Then on XX/XX/23 i received another letter from them requesting I pay the money. They didn't respond to the certified mail at all. I called the number on the notice XXXX and entered the account number and it only refers me back to XXXX XXXX. I can not speak to anyone and I am not being heard. The bill is {$65.00} and I have nothing on my credit report because I pay all my bills on time. I do not want then trying to put false debt on my credit report. I would never skip on a bill if it is truly owed. I would never risk ruining my good credit score for {$65.00}. | null | Kinum, Inc., Indianapolis, IN Branch | IN | 46208 | null | Consent provided | Web | 2023-04-14 | Closed with explanation | Yes | null | 6,841,741 |
2022-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Pursant to 18 USC 8, I owe no debt, This company ( XXXX XXXX ) along with ( XXXX XXXX, XXXX ) I DO NOT HAVE A CONTRACT WITH NEITHER i they are violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my pursuant to 15USC 1681 4 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 or 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 know or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23434 | null | Consent provided | Web | 2022-11-09 | Closed with non-monetary relief | Yes | null | 6,185,036 |
2022-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XX/XX/XXXX Account XXXX XXXX XXXX # XXXX, XX/XX/XXXX XXXX Act. # XXXXXX/XX/XXXX XX/XX/XXXXCuAct. # XXXX, XXXX Bank XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX # XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XX/XX/XXXXAct. # XXXX, XXXX Bank XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXl XX/XX/XXXXAct. # XXXX XXXX XXXX XX/XX/XXXXBank Act. # XXXX has violated my rights XXXX
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 62221 | Servicemember | Consent provided | Web | 2022-06-01 | Closed with non-monetary relief | Yes | null | 5,623,357 |
2020-08-10 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CONTRACT CALLERS INC | TX | 78628 | null | Consent provided | Web | 2020-08-18 | Closed with explanation | Yes | null | 3,787,830 |
2023-08-24 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | XX/XX/XXXX mailed letter to Exerter Finance. Spoke to XXXX Account manager.
XX/XX/XXXX Spoke to Another Account manager XXXX.
Spoke to Director of Accounts XXXX XX/XX/XXXX Director XXXX call XXXX expressing company denial of identity theft, or fraudulent assignment of contract. My signature, nor consent was given. This has deeply impacted my life. My private information and security and equity is being channeled through without recourse. This is unacceptable, your assistance is needed.
LETTER to Company.
XXXX call help associate XXXX Account Manager XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/XXXX Exeter Finance XXXX XXXX XXXX XXXX, TX Subject : Notice of Claim of Security Interest, Equity Due, Identity Theft, and Claim for Title and Account Fulfillment Attention Exeter Finance, This letter is to formally assert my claim of security interest due in course from contract XXXX. Equity within vehicle with the VIN # XXXX make XXXX XXXX and model XXXX XXXX XXXX XXXX.
This claim is based on an application and security agreement dated XXXX XX/XX/XXXX which established my lien against the aforementioned vehicle.
It has come to my attention that an unauthorized assignment of contract has taken place concerning the vehicle in question. This act constitutes an accessory to identity theft, as I did not provide consent for any transfer of rights or interests associated with my security agreement.
I demand that this matter be rectified immediately, and the contract assignment be reversed.
Furthermore, I am requesting an accurate calculation of the equity due on the vehicle, as well as the associated charges and fees that have accrued. Please provide me with a detailed breakdown of these figures within 7 days from the date of this letter.
Additionally, I am asserting my claim for the title to the vehicle and requesting that all necessary steps be taken to transfer the title into my name in accordance with the terms of our security agreement. This transfer should be completed promptly to avoid any further legal complications.
Finally, I expect full account fulfillment, including the return of any payments made on my part in excess of the equity due, once the calculations have been confirmed.
I must emphasize the seriousness of the unauthorized contract assignment and identity theft implications.
Failure to address these matters promptly will leave me with no choice but to pursue legal action to protect my rights and interests.
Please respond to this letter in writing, by calling, by emailing within the stipulated timeframe mentioned above. You may contact me via email at XXXX or by phone at XXXX to provide updates on the resolution process.
Thank you for your immediate attention to this matter. Spoke to account manager XXXX, and call help associate XXXX XXXX XX/XX/XXXX in coherence with letter shipped. XXXX XXXX XXXX XXXX XXXX Ga XXXX. Whom Exeter accepted assignment of contract from.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX director of account | null | Exeter Finance Corp. | GA | 30263 | null | Consent provided | Web | 2023-08-25 | Closed with explanation | Yes | null | 7,450,544 |
2018-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I HAVE SPENT OVER A YEAR AND HUNDREDS OF DOLLARS TRYING TO HAVE MY CREDIT REPORTS UPDATED WITH ACCURATE INFORMATION. ALSO TO HAVE OLD ACCOUNTS ANDOR DISPUTED DEBTS REMOVED. XXXX HAS INCORRECT AND NOT UP TO DATE AVAILABLE ON MY CREDIT REPORT. THIS IS OUT OF HAND. I HAVE OPENED MY OWN BUSINESS AND HAVE SUFFERED THE RESULTS OF POOR CREDIT REPORTING BY THE THREE MAJOR CREDIT REPORTING AGENCIES. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10305 | null | Consent provided | Web | 2018-10-20 | Closed with explanation | Yes | null | 3,051,724 |
2023-09-18 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77379 | null | Consent provided | Web | 2023-09-18 | Closed with non-monetary relief | Yes | null | 7,564,546 |
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 | I appreciate you making the effort to update or remove some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be updated as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | TX | 765XX | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,975,156 |