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2022-08-05 | 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 | My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | LA | 70117 | null | Consent provided | Web | 2022-08-05 | Closed with non-monetary relief | Yes | null | 5,848,037 |
2022-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | To Whom it may concern, After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately.
The accounts in question are below XXXX XXXXPursuant to 15 USC 1666 , late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately.
XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX WOW This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 XXXX XXXX XXXX XXXX If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately.
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..
AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately.
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY...
Thank you, XXXX XXXX | null | EQUIFAX, INC. | TN | 37042 | null | Consent provided | Web | 2022-08-02 | Closed with explanation | Yes | null | 5,833,980 |
2023-07-03 | 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 | The following items 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 items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NJ | 07304 | null | Consent provided | Web | 2023-07-03 | Closed with explanation | Yes | null | 7,201,491 |
2021-05-13 | Checking or savings account | Checking account | Managing an account | Problem accessing account | Simple transferee my funds to BBVA and they have locked me out of my account its been 5 days of called customer service waiting hours on the phone and they just keep hanging up. I called another customer service line and asked to close my account and mail me my balance and they said I would have to transfer my funds out yet they locked my access. | null | BBVA FINANCIAL CORPORATION | NY | 11101 | null | Consent provided | Web | 2021-05-13 | Closed with explanation | Yes | null | 4,373,368 |
2023-06-07 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt is not yours | incorrect information, incorrect social security number and then when tried to fix or communicate my social security was added without my consent. tried to resolve it then when resolved it was resold and placed back on my credit. fraud. Wrong cellphone number, wrong legal name, wrong employer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | TX | 752XX | null | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,077,895 |
2021-01-31 | Checking or savings account | Checking account | Managing an account | Problem accessing account | REGIONS MANAGEMENT FABRICATED REASON FOR ILLEGAL ACCOUNT FREEZE. In XX/XX/XXXX, I updated my mailing address on the Regions website. Shortly thereafter, XXXX. XXXX emailed me claiming that they need my physical address ( even though they already had it on file ). I replied to her w/the requested information. Two days later, she replied that since my DL on file has expired, she needs my updated DL too. [ Note : This policy/rule does NOT exist anywhere in Regions literature ]. I then received a letter dated XX/XX/XXXX ( attached ) stating that 60 days from the date of the letter, my account would be closed if this isnt resolved. Unhappy with Regions handling of this, I proceed to make arrangements to open a new bank account elsewhere. Two days after I transfer some money from my Regions account to my new bank account, Regions froze my account due to fraudulent check writing!!!! XXXX XXXX and XXXX fabricated this reason in order to lock me out of my account ; this was retaliation for choosing to switch banks instead of complying with their made-up rules. I visited a Regions branch on XX/XX/XXXX and spoke with the manager, XXXX XXXX, to resolve this. She said only the back office can unlock the account and theres nothing she can do. However, the XXXX rep I spoke with said ANY branch manager can remove the freeze. I am being given the run-around. There was NO suspicious activity on the account and therefore, should've NEVER been locked. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REGIONS FINANCIAL CORPORATION | GA | 30134 | null | Consent provided | Web | 2021-01-31 | Closed with explanation | Yes | null | 4,105,602 |
2022-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights.
15USC 1681 Section 602 States i have the right to privacy.
15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions.
15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. | null | AMERICAN EXPRESS COMPANY | TX | 774XX | null | Consent provided | Web | 2022-05-04 | Closed with explanation | Yes | null | 5,538,719 |
2023-06-21 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I am participating in the Public Service Loan Forgiveness program. My consolidated loans under this program are Serviced by MOHELA. Per MOHELAs website and repeated admission, my 120th and final payment was applied as the XX/XX/22 payment, qualifying the balance of my loan to be discharged in its entirety. It has been over 180 days and still MOHELA recognizes a balance and forecasts future payments due. I wish for MOHELA to follow the federal guidelines pertaint to my loan under the PSLF program and discharge my remaining balance at once. | Company believes it acted appropriately as authorized by contract or law | MOHELA | MO | 63139 | null | Consent provided | Web | 2023-06-21 | Closed with non-monetary relief | Yes | null | 7,145,382 |
2017-05-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | They continue to block access to the online dispute system, I 've filed complaints with them in the past and they will remove it but then it will be placed again and wo n't allow me access. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | XXXXX | Servicemember | Consent provided | Web | 2017-05-10 | Closed with explanation | Yes | null | 2,480,805 |
2017-08-19 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report. | null | CAINE & WEINER COMPANY, INC. | TX | 777XX | Servicemember | Consent provided | Web | 2017-08-19 | Closed with explanation | Yes | null | 2,642,283 |
2022-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus XXXX separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37043 | null | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | null | 6,284,592 |
2020-01-06 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Received bad information about your loan | On XX/XX/XXXX I contacted Nelnet to renew my income contingent repayment plan. The representative informed me of the Repaye repayment plan and placed my account into an administrative forbearance until XX/XX/XXXX to get the paperwork processed. On XX/XX/XXXX I reviewed my credit report which showed my account as 90 days past due. I called Nelnet on XX/XX/XXXX to discuss the status of my account which was thought to be in a " forbearance '' status pending re-certification.
Upon speaking with several representatives on XX/XX/XXXX it was revealed that the representative whom I had spoken with on XX/XX/XXXX provided incorrect information. I was not eligible to switch repayment plans nor was I eligible for an administrative forbearance because I have parent plus loans included in my direct loan consolidation.
The customer service rep stated they tried to contact me via telephone but there is no record of a phone call nor voicemail to substantiate this. My credit is ruined due to misinformation provided on behalf of a Nelnet customer service agent. I should have been offered a Hardship forbearance as I was offered on XX/XX/XXXX to bring the account current while I re-certify.
In summary, Nelnet needs to remove the negative reporting from my credit report and do a better job training employees. I am totally disgusted by the companies lack of integrity and unwillingness to correct a severe mistake. I am will to sue this company to have my credit restored. This is a consumer nightmare. | null | Nelnet, Inc. | MD | 208XX | null | Consent provided | Web | 2020-01-06 | Closed with explanation | Yes | null | 3,487,227 |
2023-01-04 | 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 XXXX 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 295XX | null | Consent provided | Web | 2023-01-04 | Closed with non-monetary relief | Yes | null | 6,394,285 |
2021-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Hello, I contacted Equifax several times about issues pertaining to my credit report and my right my first attempt in XXXX then a complaint here in XXXX now again because they have yet to send me the documents I requested verification of debt how they verified the debt once mines and contracts bearing my signature.
The following accounts raised concerns and I addressed them multiple times.
It's been the past 30 days and I would like these accounts deleted from my credit report.
* XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX | null | EQUIFAX, INC. | PA | 19139 | null | Consent provided | Web | 2021-04-07 | Closed with explanation | Yes | null | 4,279,299 |
2022-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | KY | 40219 | null | Consent provided | Web | 2022-11-11 | Closed with non-monetary relief | Yes | null | 6,190,752 |
2018-10-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accountsXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, and XXXX XXXX XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91724 | null | Consent provided | Web | 2018-10-30 | Closed with explanation | Yes | null | 3,060,288 |
2022-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Transunion will not remove fraudulent inquiries off my credit report. I have reached out to them numerous of times, and explained to them those are fraudulent unauthorized charges and filed police reports XXXX XXXXXXXX FD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 45231 | null | Consent provided | Web | 2022-05-23 | Closed with non-monetary relief | Yes | null | 5,593,161 |
2022-02-16 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | Complaint of Bait & Switch conducted by OneWest Bank, A Division of CIT Bank, XXXX.
Address : XXXX XXXX De XXXX, XXXX XXXX XXXX XXXX, Ca XXXX Phone : XXXX XXXX XXXX local branch ; XXXX XXXX XXXX toll free The problem : I opened a checking account with {$10000.00} as advertised XX/XX/XXXX. The banker said I qualified for receiving {$300.00} bonus if I complete all the XXXX steps within XXXX days. I completed all the requirements and the bankers admitted that I did. I gave the bank more than the promised period to process the bonus, however, I never receive it. XXXX months later, XX/XX/XXXX, I called my branch and the center office, to my surprise, the answer was that I would not be eligible to receive the {$300.00} bonus anymore! During the XXXX months, no one contacted me by mail or phone to inform the change. I believe that the banker checked my account history at the time of the account opening and found it ok to open a new account and the there was no disclosure on the promotional literature to describe anything particular as they changed the rule. Assume if my account were not qualified for the bonus, why did the bank opened this bonus account for me? Why did the bank not inform me all this time if they found any error or any change? Why did they let my account remain open with {$10000.00} balance required for the {$300.00} bonus? This is typical XXXX XXXX XXXX, it is unethical. XXXX XXXX is a senior community. I wonder how many seniors have been mal-treated like this, people responded to the XXXX to open an account with large balance for a bonus and just to find it unqualified when it is time to receive the bonus. I am left no choice but to make this complaint with your org. I have uploaded the evidence of the promotional Advertisement and my receipt of deposit at the time of opening my account. ( No other documents with fine prints were provided to me at the time of the account opening. ) I wish your organization help me get fair treatment, not to let the small private bank take advantage of me and other seniors customers anymore.
Thank you for looking into this matter! I look forward to hearing the resolution soon! I can be reached at XXXX XXXX cell/ XXXX XXXX ; email XXXX XXXX ; my address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please note that the bank will be bought by another financial institution in a month or XXXX. | null | CIT BANK, NATIONAL ASSOCIATION | CA | 92653 | Older American | Consent provided | Web | 2022-03-17 | Closed with explanation | Yes | null | 5,228,611 |
2022-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | READ DOCUMENTATION CAREFULLY!!!!!!
ON XX/XX/XXXX I SUBMITTED A DISPUTE TO XXXX XXXX XXXX XXXX AND THEY RESPONDED WITH A FINAL RESOLUTION! PLEASE USE THAT DOCUMENTATION AS REFERENCE.
I HAVE BEEN VIOLATED ON SEVERAL DIFFERENT OCCASION FROM EQUIFAX. ON NUMEROUS OCCASION THEY HAVE STATED THAT THEY HAVE VERIFIED THIS INFORMATION WITH XXXX XXXX. XX/XX/XXXX I RECEIVE A DOCUMENT IN THE MAIL WITH THE RESULTS THEY WERE " PROVIDED '' FOR THE INVESTIGATION.
MY LAST PAYMENT DATE IS STATED TO BE XXXX XXXX, XXXX BUT XXXX STATED THAT THE LAST PAYMENT DATE IS XX/XX/XXXX AND XXXX STATES THAT IT IS XXXX XXXX, XXXX. THE ORIGINAL CREDITOR ALONG WITH THE OTHER BUREAS ARE REPORTING INACCURATE DATA! FOR THE MONTH OF XX/XX/XXXX IT IS REPORTING AS UNKNOWN FOR REPORTING ( INCOMPLETE INFORMATION ) 15 USC 1681 ( a ) States that I have rights to accuracy and fairness of credit reporting.
15 USC 1692K ( a ) Proves that every damage much be paid for by the debt collector as a result of such failure. Due to lack of resources financially I was targeted through a pandemic. I notified XXXX XXXX that I was in therapy due to lack of concern and I expressed that their actions along with the credit bureaus has caused me to go into deep XXXX. I paid a great amount of money to attend therapy sessions to cope with what was happening.
15 USC 1681B states that furnishing a consumer report without the consent of consumer is unlawful. The reporting agencies have no consent in regard to my report and have been publicly humiliating me in attempts to collect what is rightfully mine because I am the original creditor.
15 USC 168 ( A ) ( 2 ) ( B ) Indicates that furnishing an account that was created from a credit card or similar device is also unlawful. XXXX XXXX has been a huge burden on my credit for 3 years now and failed to provide on numerous occasions what is happening and report accurate information to the credit bureaus. Data reported differently every dispute and information was not deleted though proven to be inaccurate 15 USC 1692J A deceptive form to make me believe I owe debt was establish and I am protected by the law stated.
15 USC 1602 ( K ) Presents that a drafting of contract or similar instrument in which the consumer can not adequately understand is illegal. I am not able to understand what took place as I was 18 and unaware of credit and its true meaning and nobody ensured that I was able to read what was presented. I am a first generation American.
15 USC 1692B ( 2 ) It was stated on a recorded line and through paperwork that I owe a debt. The law states that it is a violation to state a consumer owes a debt if they do not owe a debt.
15 USC 1692D ( 5 ) states that I am not to be contacted in regard to a debt in an annoying manner through telephone. I have been contacted many times through my work phone in regard to a debt after I was not told this is an attempt to collect a debt.
I AM DISAPPOINTED IN EQUIFAX AND ITS ILLEGAL PRACTICES!!! | null | EQUIFAX, INC. | GA | 30066 | null | Consent provided | Web | 2022-02-16 | Closed with explanation | Yes | null | 5,227,395 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I checked my credit report, bcs I received an email about a new inquiry, when I checked this morning, I noticed several hard inquiries and other soft ones started that I did not authorize, so I called the first two banks, and they informed me that a credit card was in their institution, which means one for each bank ( XXXX and Wells Fargo ), they informed me that they have cancelled the credit cards, and an investigation was going to be performed and that they will email me the findings, aka credit card fraud. XXXX ( XXXX ) provided me with the email address of the person who opened the XXXX in their bank, which is XXXX, and that is all she can provide me. The other bank, Wells Fargo* ( WF CRD SVC, XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX ), indicated that they can not provide me with any information of the person who opened the credit card using my ssn, etc. Wells Fargo informed that the credit card this person opened already has a balance over $ XXXX, the other bank did not provide this info. I still have a list of other places, I need to call. I will be calling the other companies tomorrow, which are : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, WI XXXX Date of credit report inquiry : XX/XX/2023 ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX Date of credit card inquiry : XX/XX/2023 ( XXXX ) XXXX 's XXXX and Wells Fargo Credit Card Services cancelled the credit cards, but I will continue monitoring my information regarding credit inquiries in the three cree bureaus.
I already put a freeze in XXXX and complete the freeze for XXXX and XXXX tomorrow. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NV | 89131 | Servicemember | Consent provided | Web | 2023-09-11 | Closed with non-monetary relief | Yes | null | 7,503,180 |
2021-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I just spoke with Transunion with regards to an abundant amount of Fraud/Unauthorized inquiries that I noticed on my report, from XX/XX/XXXX. On XX/XX/XXXX I went to purchase a car from XXXX XXXX in XXXX. I had a previous auto Loan with then ( XXXX XXXX supplied the loan ) for my last car. The finance manager told me he was going to compare XXXX XXXX and XXXX XXXX ( which were my last XXXX auto loan providers ). I just noticed today that my credit report showed several unauthorized Inquiries from that date. I just spoke to Transunion to get these removed and they literally are trying to send me on a wild goose chase to remove these inquiries, which obviously was a malice act by the dealership to get my autoloan approved by any and every finance company known to man " WITHOUT MY CONSENT ''. I asked them to remove the following inquiries : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX, 3 ) XXXX XXXX, 4 ) XXXX, 5 ) XXXX XXXX ( Only XXXX XXXX inquiry should remain ) The only authorized ( valid ) inquiries on XX/XX/XXXX, were XXXX and XXXX ( yes XXXX inquiries on XX/XX/XXXX into the same company, but obviously XXXX of those inquires can stay. Please take this complaint seriously, as this has to be in some way a violation of my consumer rights, and an egregious act by a vendor. Thank you for any help you can provide in this situation, as I am simply looking to have these inquiries removed from my credit report, in as SIMPLE OF A MANNER as they were put on there without my consent. Thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MA | 02151 | null | Consent provided | Web | 2021-11-30 | Closed with explanation | Yes | null | 4,960,710 |
2023-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX {$5.00} XX/XX/ XXXX XXXX XXXX XXXX {$64.00} XX/XX/ XXXX XXXX {$190.00} XX/XX/2XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/ To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 15 U.S. Code 1692g - Validation of debts I DO NOT RECOGNIZE HOW THIS ACCOUNT IS REPORTING ON MY CREDIT REPORT, I DON'T RECOGNIZE THE ACCOUNT NUMBER, I DON'T RECOGNIZE THE ACCOUNT STATUS, I DON'T RECOGNIZE THE ACCOUNT HIGH BALANCE NOR DO I RECOGNIZE THE LATE PAYMENT ASSOCIATED WITH IT EVERYTHING REPORTED HERE DOES NOT MEET THE FCRA. ALSO ITS CANCELLED DEBIT THE COMPANY HAS FILED IT ON THEIR TAXES BUT THEY ARE ALSO REPORTING IT ON MY CREDIT REPORT AS DEBIT THE IRS MENTION THAT ITS CONSIDER AS ORDINARY INCOME A 1099C THAT MEAN ITS AN INACCURATE ACCOUNT THAT IS FURNISHED ON MY CREDIT REPORT AND I HAVE PROOF TO WHY IT SHOULD BE GONE ITS ( CANCELLED DEBIT ) THE IRS ALSO MENTION COMPANY WAS SUPPOSED TO SEND A 1099C FORM SO I CAN FILE THE ORDINARY INCOME THAT IS A VIOLATION 15 USC 1681eb it speaks on maximum accuracy of the consumer report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed | null | EQUIFAX, INC. | GA | 30294 | null | Consent provided | Web | 2023-04-22 | Closed with explanation | Yes | null | 6,871,777 |
2020-06-03 | Checking or savings account | Other banking product or service | Managing an account | Problem making or receiving payments | It is too difficult simple to link my PNC checking account to my XXXX account. I called at least 3 times and issue was not resolved, and I visit branch and it is the same. | null | PNC Bank N.A. | VA | 20155 | null | Consent provided | Web | 2020-06-03 | Closed with explanation | Yes | null | 3,681,671 |
2022-06-24 | 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 XXXXXXXX, 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 | null | EQUIFAX, INC. | FL | 33615 | null | Consent provided | Web | 2022-06-24 | Closed with explanation | Yes | null | 5,702,506 |
2021-05-05 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | I received a notification and check from Wells Fargo regarding a legal settlement between Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices. The XX/XX/2021 notification indicates that the bank is refunding fees in the amount of {$24.00} because they were assessed before I began using my account.
The letter also provides that, This check also includes an additional amount of {$4.00} to compensate you for the time you did not have these funds. Thus, I understand this notification to advise me that Wells Fargo is refunding {$28.00} to me. However, the check is ACTUALLY for only {$24.00}.
I write to complain that : ( 1 ) Wells Fargo still owes me the {$4.00} ; and ( 2 ) Wells Fargo has violated its legal settlement with the Consumer Financial Protection Bureau by failing to pay out monies to its customers as directed by the agency.
Knowing Wells Fargos improper sales practices, I believe my wrong payment amount was NOT an oversight. For this reason, I did not reach out to Wells Fargo as I believe this error is yet another deliberate improper practice by the bank and numerous others have also been wronged in this manner.
I will deposit the {$24.00} check before it becomes stale. However, I respectfully request that your agency have the bank send me my {$4.00} WITH INTEREST now accrued thereon and that the agency look into whether numerous others have also, yet again, been victims of Wells Fargos improper practices. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NJ | 07208 | null | Consent provided | Web | 2021-05-05 | Closed with explanation | Yes | null | 4,352,816 |
2022-07-24 | 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 | Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 ).. | null | ENCORE CAPITAL GROUP INC. | NJ | 07305 | null | Consent provided | Web | 2022-07-24 | Closed with explanation | Yes | null | 5,803,642 |
2023-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 U.S.C. 1681 section 602 A.I have the right to privacy.15 U.S.C . 1681 Section 604A section 2 : It also states, a consumer reporting agency, can not furnish an 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. | null | CAPITAL ONE FINANCIAL CORPORATION | CA | 92374 | null | Consent provided | Web | 2023-06-25 | Closed with non-monetary relief | Yes | null | 7,165,713 |
2020-11-09 | Checking or savings account | Other banking product or service | Closing an account | Can't close your account | This complaint concerns my attempts to communicate with JP Morgan Chase Bank, N.A.. about the savings and checking account my late mother had with the company.
My mother died on XX/XX/2020. In XXXX, I called Chase 's Service Center ( XXXX ) to inquire about the procedure for closing the account. I was told to visit a Chase bank branch office, but I live nearly 100 miles away from the nearest branch. Chase then gave me the address for the Chase Decedent Processing Group in XXXX XXXX, TX, and told me to write a letter detailing my mother 's personal details, her bank account details, my personal details and to include an original death certificate. On XX/XX/2020, I sent the required letter and documentation via USPS Certified Mail. According to USPS tracking, the package was delivered on XX/XX/2020.
I never heard from Chase or the Decedent Processing Group. I subsequently called and left a voicemail explaining the situation with a specific request for a call back, but never received one.
In XXXX, I called Chase 's Service Center again, and was told that, now, the only way to communicate with the Decedent Processing Group is by email. On XX/XX/2020, I sent an email to the email address provided ( XXXX ) explaining my multiple, unsuccessful attempts to communicate with the Decedent Processing Group and requesting a prompt reply.
Later the same day, I received a secure email from JP Morgan Chase & Co. telling me to submit : An original or certified copy of the death certificate for the decedent ; Certification of Trust that Meets the States Statutory Requirements A notarized letter of instruction from the successor trust.
There were no further instructions, nor any acknowledgment of my original letter and the fact that I had already sent a death certificate.
I have since reached out again via JP Morgan Chase & Co. 's secure email system to request additional instructions. On XX/XX/2020, I received a reply with a Trust Certificate form attached that I should fill out. This form was not included in the original email I received on XX/XX/2020.
I then sent two additional messages via the secure email system requesting clarification on the information requested in the form. The most recent email was on XX/XX/2020. I have not received a reply.
Today, I have again called Chase 's Customer Service Center number ( XXXX ) to lodge a complaint and request help with remedying the situation. As I write this, I have been on hold for 1 hour and 9 minutes.
Nearly four months have passed since my mother 's death. JP Morgan Chase is making it extremely difficult to process matters of estate, in spite of numerous good faith efforts on my behalf. I understand that the Covid-19 pandemic has created hurdles for businesses in a range of industries, but Chase is a major, well-established financial institution. The poor service and deplorable communication I have experienced is simply unconscionable. | null | JPMORGAN CHASE & CO. | ID | 836XX | null | Consent provided | Web | 2020-11-09 | Closed with explanation | Yes | null | 3,944,643 |
2017-01-09 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Received bad information about my loan | Since XX/XX/XXXX, I have been going back and forth for months to have my request for income-driven repayment processed and approved. Finally, in XXXX I was told my application 'expired ' since it was not processed by FedLoan within 90 days and had to resubmit all documentation for the third time. I had been previously told otherwise and spent countless hours on the phone trying to figure out what was going on. In between this time, I was told that I had to pay a standard plan payment while I waited for a decision. Not being able to make a payment over {$1500.00} a month, I was forced to go into forbearance while interest accrued. They continuously provided me with confusing and contradicting information, specifically when recommending which plan to choose and about the status of my application. Anytime, I called back with questions I had to speak with someone else and received a completely different answer. Twice agents told me they were not sure why another agent made their recommendation as it did n't make sense. The lack of knowledge and errors is infuriating and unacceptable ; it not only takes time out of my work day but I am left clueless with no where to turn after each call.
Due to the misguidance of multiple FedLoan Servicing customer service agents I start XX/XX/XXXX in the same place I was last year, misinformed regarding my loans and still receiving inconsistent answers. The question is do I give in and now pay the incorrect calculation in order to move forward ... Or continue fighting for complete, accurate, and up-to-date information about my finances? Student loan holders not be forced make this decision! | null | AES/PHEAA | NY | 105XX | null | Consent provided | Web | 2017-01-09 | Closed with explanation | Yes | No | 2,280,540 |
2023-02-05 | 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 was in communication with Comenity Bank attorney XXXX XXXX and XXXX XXXX XXXX on XXXX XXXX XXXX in regards of an account ( XXXX ) that is still on my consumer profile.
I reached out and explained that Comenity Bank is breaking the federal law ( FCRA ) and stated what laws were being broken on my consumer profile. We had a conversation regarding the account and ultimately XXXX the attorney came to a decision to settle for a payment of {$500.00}.
I will attach the screen shots of the emails of the conversations.
I stated that I would be willing to settle to if they would agree to remove the negative account that is violating my consumer rights.
XXXX came back and stated that Comenity Bank is unwilling to delete/remove the account and then offered {$250.00} more ( {$750.00} ) to " resolve '' my concern.
Comenity Bank has attorneys representing their company that are knowingly breaking the law. I would like for this to be on record that I attempted to resolve this with Comenity bank and attorneys.
I have reported the issue I am having with Comenity Bank with my Attorney XXXX XXXX as well and I would like for this to be removed from my credit profile immediately as it is and has been severely and negatively effecting my financial future. | null | Bread Financial Holdings, Inc. | FL | 32257 | null | Consent provided | Web | 2023-02-05 | Closed with explanation | Yes | null | 6,522,329 |
2018-12-21 | Debt collection | Credit card debt | False statements or representation | Attempted to collect wrong amount | Discover Card refuses to refund me for fradulent charges from XXXX XXXX. The charges in XXXX estimate to be about {$1000.00} There are other fradulent charges to the account. I also remember several charges in XXXX. The charges total in an amount over {$700.00}. Moroever, they closed my account unlawfully, in XX/XX/XXXX, however, they sent me a regular statement during XX/XX/XXXX. I was also entitled to more unemployment benefits during the month of XXXX XXXX. They charged me {$70.00}, a month, while sick and unemployed. They refused to re- open my account. | null | DISCOVER BANK | NJ | 086XX | null | Consent provided | Web | 2018-12-21 | Closed with non-monetary relief | Yes | null | 3,107,185 |
2021-09-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have been dealing with ongoing identity theft for the past year. A scammer/fraudster was able to pull my credit reports through Credit Karma using my data. The only way I had found out was reviewing my credit report as a result of an alert from credit inquiries. There was a soft inquiry from CreditKarma.com which was odd as I had no prior account with Credit Karma.
The scammer had created a Credit Karma account online and had already pulled my credit reports using the account. When initially creating a Credit Karma account, you just have to answer simple personal history information. I suspect this scammer used my stolen data or data curated on other freely available network ( ie., XXXX ). In order for me to deactivate the fraudulent account and create my own account, I had to send in my Driver 's license and bill to verify with Credit Karma. Shouldn't this be reversed, where you send in your data to be verified upon account creation? Credit Karma inappropriately exposes my data to a scammer/fraudster without proper identification.
Even site such as annualcreditreport.com uses the same method. Since there is no account creation on their site. It is even more difficult to tell if any scammers were able to gain access to my credit report.
I believe the existing system of using only historical data to verify a person 's identity is highly ineffective and poses a security concern to all consumers. The person 's identity should be verified using current bill, driver 's license or ID.me which the IRS currently uses. | null | Credit Karma, LLC | CA | 906XX | null | Consent provided | Web | 2021-09-02 | Closed with explanation | Yes | null | 4,688,404 |
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 | Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WY | 82001 | null | Consent provided | Web | 2023-05-26 | Closed with explanation | Yes | null | 7,027,832 |
2022-05-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
" | null | PNC Bank N.A. | GA | 30034 | null | Consent provided | Web | 2022-05-25 | Closed with explanation | Yes | null | 5,601,496 |
2022-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have asked the credit bureaus to do a verification on my credit report which they did and stated everything was accurate. I did my own research and I found improper inaccuracies on my reporting.
Account name : DEPTEDXXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A States that 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 instruction. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19136 | null | Consent provided | Web | 2022-10-10 | Closed with non-monetary relief | Yes | null | 6,069,029 |
2022-09-21 | Debt collection | Auto debt | Took or threatened to take negative or legal action | Seized or attempted to seize your property | The fair debt collection practice act is intended to secure my right to privacy and my right to privacy has been breached.
The truth in lending act is intended to protect consumers against abuse and deceit by creditors and i have been abused and deceived.
The fair credit reporting act is intended to report fairly and equitable to the consumer and i have been abused 15 usc 1681b Santander XXXX XXXX is in violation of 15 USC 1692b ( 5 ) Santander XXXX XXXX is in violation of 15 USC 1692b ( 2 ) Santander XXXX XXXX is in violation of 15 USC 1692e2 ( A ) Santander XXXX XXXX is in violation of 15 USC 1692e ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692d ( 4 ) Santander XXXX XXXX is in violation of 15 USC 1692 ( 13 ) Santander XXXX XXXX is in violation of 15 USC 1692i ( b ) Santander XXXX XXXX is in violation of 15 USC 1692j ( a ) Santander XXXX XXXX is in violation of 15 USC 1635 ( a ) Santander XXXX XXXX is in violation of 15 USC 1605 ( A ) Santander XXXX XXXX is in violation of 15 USC 1635 ( b ) Santander XXXX XXXX is in violation of 15 USC 1681A ( 2 ) ( I ) | null | SANTANDER HOLDINGS USA, INC. | NY | 10453 | null | Consent provided | Web | 2022-10-03 | Closed with explanation | Yes | null | 6,003,321 |
2021-01-15 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | I lost my job and then the pandemic hit. I called to try to negotiate to lower this payment and there was an unwillingness to help. Now my credit score is ruined. I need these late charges off my report so I can move forward. I now have a good job and paying on this debt.
At one point I was threatened with legal action. I understand this was a big debt, but I was willing to work with them. But it was not a friendly exchange. | null | CAVALRY INVESTMENTS, LLC | CA | 92672 | null | Consent provided | Web | 2021-01-15 | Closed with non-monetary relief | Yes | null | 4,071,356 |
2021-04-14 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | Shortly after I received this letter in the beginning of XX/XX/XXXX, I called CMRE after calling my insurance company form XXXX and explained to the customer service rep on the phone that the claim was not filed by their client. Therefore, either they needed to file it themselves or have their client file it for them. Also, I had not received any communication from their client prior to this communication. The hospital bill had already been received and that this bill would be paid in full because it was in network. I verified this with my insurance. I was told by them that their client had filed it and gotten no response. I advised them that my insurance stated that no claim was ever received. That I had a number that they could call to find out where the mix up was. They said that they do not call third parties. According to FDCPA, they can call third parties with my permission. I asked to speak to a supervisor and was given voicemail. I left her a voicemail advising her to contact my medical insurance company and file the insurance. It is not my responsibility to pay when I provided the insurance information to their client to file and they did not file it in a timely manner. They have a medical billing department in house and they are aware of this. Now they are calling me from California using several different Oklahoma numbers that show up as suspected spam. Then they want me to call them back. Since they can not call a third party from their office ( their words not mine ), why are they calling me? They have a contract with their client, not me. I would be considered a third party as well. And calling with an automated system and leaving a voicemail or using an automated system to tell someone to call you back and what it is about would be a violation wouldn't it? They don't know who is going to pick up the phone on they other end or if it's going to be attached to a car speaker or on speaker phone. Especially when using a suspected spam number. | null | CMRE Financial Services, Inc. | OK | 743XX | null | Consent provided | Web | 2021-04-14 | Closed with explanation | No | null | 4,297,961 |
2023-05-24 | 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 am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Despite the passage of time, Equifax has failed to respond to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law.
The inaccurate information on my credit report is as follows : XXXX XXXX Opened : XXXX. XXXX, XXXX XXXX : {$260.00} The above account was never late, and I kindly request Equifax to correct/update this inaccurate information on my credit report.
Furthermore, the following accounts are not mine, and I request their removal from my credit report : XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$2800.00} XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$710.00} XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$8500.00} XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$3500.00} XXXX XXXX XXXX Date Opened : XXXX. XXXX, XXXX Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$100.00} Original Creditor : XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 32703 | null | Consent provided | Web | 2023-05-24 | Closed with non-monetary relief | Yes | null | 7,020,329 |
2023-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ( SEE ATTACHMENTS ) Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy.
I contacted " ALL THE COMPANIES '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.
XXXX XXXX sent statement with statement coupons showing my address but I never received anything in the mail. XXXX is saying XXXX XXXX XXXX XXXX ( XXXX ) is the servicer of these accounts, I'm confused which company is it?
How can three different Companies report inaccurate information on my Consumer Credit Report?
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48213 | null | Consent provided | Web | 2023-07-29 | Closed with non-monetary relief | Yes | null | 7,318,451 |
2023-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | 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. | CO | 80015 | null | Consent provided | Web | 2023-01-26 | Closed with explanation | Yes | null | 6,492,990 |
2023-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am writing to address fraudulent personal information and inquiries associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 604XX | null | Consent provided | Web | 2023-06-16 | Closed with non-monetary relief | Yes | null | 7,129,442 |
2022-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my THIRD time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT AN ATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX XXXX XXXX # XXXX -XXXX # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX XXXX # XXXX XXXX & XXXX # XXXX XXXX XXXX XXXX # XXXX -LVNV FUNDING LLC XXXX XXXX | null | Resurgent Capital Services L.P. | OH | 43062 | null | Consent provided | Web | 2022-01-11 | Closed with explanation | Yes | null | 5,103,179 |
2021-03-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I MA VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX TransUnion and XXXX CRAS. On XX/XX/2021, I mailed XXXX TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33060 | null | Consent provided | Web | 2021-03-11 | Closed with explanation | Yes | null | 4,206,806 |
2022-01-27 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Discover Card has been charging me outrageous interest rates for the last 3 years. I always make my payment and my bill never goes down, ever. | null | DISCOVER BANK | AZ | 850XX | Servicemember | Consent provided | Web | 2022-01-27 | Closed with explanation | Yes | null | 5,157,467 |
2023-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I sent a dispute letter certified mail out to XXXX, XXXX, and Transunion regarding incorrect addresses. Unfortunately they are refusing to remove the inaccurate addresses. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30236 | null | Consent provided | Web | 2023-01-30 | Closed with non-monetary relief | Yes | null | 6,505,271 |
2023-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX 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 an account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | FL | 33063 | null | Consent provided | Web | 2023-06-08 | Closed with non-monetary relief | Yes | null | 7,082,706 |
2023-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX To Whom It XXXX Concern : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
SamoneDukes Reason : This is not the correct spelling of my name and I have reason to believe the inaccurate name you are reporting may belong to someone else with a similar name.
Instructions : Delete the name SamoneDukes from my credit file because you apparently have mistakenly mixed or merged someone else information with my file.
My current and only address is XXXX XXXX XXXX XXXX, XXXX XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX APT XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX PL XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Reason : These are a relatives address and I do not live here nor is this address deliverable to me by the US Postal Service per the FCRA.
( my mom, sister, daughter, son, cousin, friend, nephew, etc. ) Instructions : Immediately delete this address because your company has illegally mixed or merged someone else 's address and other personal information in my credit report.
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identity theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report.
My date of birth is Date of Birth : XX/XX/XXXX. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, Florida XXXX.
15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Thank you.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32955 | null | Consent provided | Web | 2023-03-18 | Closed with non-monetary relief | Yes | null | 6,709,566 |
2022-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 199XX | null | Consent provided | Web | 2022-11-08 | Closed with non-monetary relief | Yes | null | 6,174,053 |
2023-03-21 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | Hello, thanks for the opportunity to talk about my issue. I moved from XXXX to XXXX XXXX on XX/XX/2022. This week I've notice a debt collection under LJ ROSS Associates was posted under XXXX AND XXXX.I didn't have the opportunity to validate if this is a valid DEBT and if so, im more than happy to make a payment plan, but first I would like to dispute and if DEBT COLLECTOR can proof otherwise I will more than happy to make arrangements. I've request USPS to forward all mails to my new address in XXXX before I moved from XXXX to XXXX and I never received any mails from XXXX which is the debt reported under both credit bureau above. I don't know how to deal with this.
Could you please help me?
Thanks so much XXXX | Company disputes the facts presented in the complaint | LJ Ross Associates | NC | 27513 | null | Consent provided | Web | 2023-03-21 | Closed with explanation | Yes | null | 6,729,062 |
2016-08-05 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | I held a power of attorney for a man residing in the XXXX. The principal died. The XXXX hounded me to pay the debt, and even though I wrote to them and told them that I was not liable for the debts of the deceased person, they referred the matter to a collection agency that did not even list the deceased person as the debtor. | null | AmerAssist A/R Solutions, Inc. | NY | 129XX | null | Consent provided | Web | 2016-08-05 | Closed with explanation | No | No | 2,048,886 |
2021-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Capital One Credit Card - Placed in Collections and sent to XXXX XXXX XXXX XXXX XXXX and placed a Judgement against me - Paid account off, they contacted Capital One, and Capital one was to contact the courts and bureaus to have Judgement against me removed. Could you please look into this. It is preventing us from buying a new home. | null | CAPITAL ONE FINANCIAL CORPORATION | TN | 370XX | null | Consent provided | Web | 2021-03-30 | Closed with explanation | Yes | null | 4,257,855 |
2021-11-15 | Checking or savings account | Checking account | Managing an account | Problem making or receiving payments | I am an XXXX who files legal documents through an electronic portal called the XXXX XXXX XXXX. If a fee is associated with a filing, then I pay that fee through the portal by a withdrawal from my professional checking account at Chase Bank. Recently, the portal informed me that it would be using a new payment processor and that I should confirm with Chase Bank that no " debit blocks '' were associated with my professional checking account.
On XX/XX/XXXX, I entered the Chase Bank situated at XXXX XXXX XXXX XXXX in XXXX, Florida, to discuss the foregoing. However, the employees at that bank refused to discuss the matter with me and informed me that I must make an appointment for a later date to discuss the matter.
Since I first opened an account at Chase Bank two years ago, the bank has become much less accommodating to depositors. An employee of Chase recently informed me that Chase has decided to focus on commercial transactions which I interpreted as commercial transactions of " large value ''. | null | JPMORGAN CHASE & CO. | FL | 33860 | Older American, Servicemember | Consent provided | Web | 2021-11-15 | Closed with explanation | Yes | null | 4,909,546 |
2021-03-24 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | this agencie are just hurting my files score and each month they flag me make my score go low eeach month or days. i try to fix this isue i dont know how they have access to personal files. and hurt ppl score. but they cant fix payments with companies. someone need to do something about I.C. SYSTEM, INC has flagged your account as Collections on XX/XX/XXXX, | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | NY | 10454 | null | Consent provided | Web | 2021-03-29 | Closed with explanation | Yes | null | 4,244,070 |
2023-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I was approved for a forbearance on my mortgage account for the months of XXXX, XXXX and XXXX of XXXX because I was suddenly medically retired, and my pension checks did not arrive for three months. I was told to call back in the third month to resolve the forbearance and decide how to move forward. I called back, and was told that I would be able to defer my payments to the end of my loan, and that I should start making payments again in XXXX, and I would receive something in the mail in the next few months. I started making monthly payments again in XXXX, but never received the mail. In XXXX, I observed that my credit score had dropped, and that the mortgage company was reporting every payment I was making to be three months late. I called back to inquire what was happening, and was told the original person I spoke to at the end of my forbearance never submitted the paperwork to end my forbearance and defer the three months of payments. I was told it would be submitted for the deferral and to their research department to fix the errors in my credit report. I did not receive another call, so in the beginning of XXXX, I called again to ask if they had resolved it, and was told that I could email their research team with the deferral approval letter, so they could fix my credit report. The letter states that my loan is brought current, and the previous late fees that were given in error would be removed. I then received an email reply that says since the company did not submit the paperwork correctly for end of the forbearance, my XXXX payment was applied to XXXX, my XXXX payment was applied to XXXX, and so on. This has led to almost a year of payments being reported as three months late. The fault lies with the mortgage company for not submitting the end of my forbearance correctly. Since I was not notified that something was wrong, now almost a year of payments are reported late on my credit report, and my once very good credit score, is very low. I have shown the credit companies this deferral letter, but they have not fixed it, and have told me that I need a statement from the mortgage company fixing the mistake they made. The mortgage company continues to say that they have reported this accurately, when they have not. I was approved for a three month forbearance and deferral, I never missed a payment, and I was never late on the payments that they told me to make, however they are reporting to the credit agencies that I was late on every payment since XX/XX/XXXX. | null | FIRST HOME MORTGAGE CORPORATION | MD | 216XX | null | Consent provided | Web | 2023-03-23 | Closed with explanation | Yes | null | 6,739,442 |
2018-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | My Transunion report is showing that I have a delinquent account in collections from XXXX XXXX XXXX which was opened XX/XX/2014. The original creditor was XXXX XXXX XXXX in the amount of {$520.00}. This account is showing that Ive paid XXXX dollars towards this debt. This debt has been PAID IN FULL in the form of my state tax refund being held to FULLY pay this debt.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 230XX | null | Consent provided | Web | 2018-03-06 | Closed with explanation | Yes | null | 2,835,347 |
2018-10-02 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXX Southern Credit Recovery sent a latter responding to my dispute letter saying I need to provide more information about the false debt I owe and the only information I have is their name and address. How can they report false information on my credit and they can not even provide me the account number. | null | Southern Credit Recovery, Inc. | LA | 705XX | null | Consent provided | Web | 2018-10-02 | Closed with explanation | Yes | null | 3,035,074 |
2022-04-19 | Checking or savings account | Savings account | Managing an account | Fee problem | Predatory Practices by KeyBank After discovering the fraud of XXXX XXXX in opening fictitious savings accounts in our names, my XXXX XXXX husband and I decided to close our accounts with them and were looking for a new bank. We received an offer of KeyBank XXXX XXXX Checking Account - {$300.00} Bonus. We decided to try KeyBank believing that they couldnt be any worse than XXXX XXXX. We were to discover the hard way ; how wrong we were.
I explained to the KeyBank employee why we had closed the XXXX XXXX accounts and why we were going to open an account with KeyBank. The first problem we ran into was that KeyBank was not forthcoming about giving their new customers the so called {$300.00} bonus. I spent weeks contacting KeyBank to see why they did not fulfill their offer and wasting valuable time that should have been spent on my XXXX XXXX husbands care. After many excuses, we finally received the bonus.
Believing that was a single problem that occurred, we continued our business with Key bank. During a couple of inside branch visits, it was strongly suggested that we move most of our money from the checking account to a savings account as it would be safer in the event of our debit card being stolen. It seemed a reasonable explanation, so we did that. The irony is that our monies werent at risk from stolen debit cards, they were at risk from KeyBank nickel and diming us to exhaustion. I describe to people that it is like asking the fox to guard the chicken coop.
During the time that I was full-time caregiving for my husband as he was XXXX, I was having to babysit our KeyBank accounts after finding more fees charged to our savings account. It appeared to us that this was the strategy to make back the {$300.00} bonus that was offered to KeyBank customers. After seeing the charges to our savings account, I contacted the bank, and our savings account was switched to another type. There should not have been any issues to begin with as I explained explicitly what the savings account was going to be used for.
Thinking that the savings account issues were resolved, I was able to attend to my husband and then upon death, begin planning his funeral. A few weeks ago, I discovered that our savings account had more fees charged to us. I decided that I no longer wanted to deal with these ongoing issues and called the bank to arrange closing the account. That same day, I called several other banks ( local ; national ; large ; small ) asking about their policies regarding fees, in particular, The Federal Reserve 's Regulation XXXX The banks told me that they were aware of The Federal Reserve 's Regulation D however, Because of COVID, Reg D has been temporarily suspended, and no resumption date has been announced.
I then called the Federal Reserve Board in XXXX XXXX, to confirm and they did so. I was also referred to the 10th District, Federal Reserve Bank, and the XXXX branch of the Federal Reserve Board. I received the same confirmation. A couple weeks ago, I went to the KeyBank branch to close our savings account. I asked the employee, facetiously, There isnt a fee to close the account, is there? He actually paused and was calculating. It was explained to me that they didnt have enough money at the branch to give me cash. I told them a check was fine as I knew I was going to deposit at a bank that was following the Federal Reserve Board guidelines about suspension of Regulation D. Again, I asked facetiously, There isnt a fee for the check is there? I was speechless when the employee told me there was. But they graciously waived it.
To this day, I am utterly amazed and still can not believe this bank, that I thought was going to be more honest than XXXX XXXX, turned out to be so much worse. Duplicity is never a good business plan and my husband, and I have always tried to avoid businesses that use duplicity as part of their business plan.
Im also thoroughly disgusted that upon receiving a call from KeyBank which I thought was to settle the issues, I was instead told that The Federal Reserve 's Regulation D and suspension of it didnt apply to KeyBanks policies. Interesting that the other banks are following the suspension. I even said, So the Federal Reserve Board is lying? They were confused and didnt know what they were telling me?
It is a shameful, that KeyBank has no qualms about draining their customers accounts by nickel and diming them along the way. Even worse, is that they were financial predators with seniors, on a fixed income, and dealing with a spouse terminal illness. Our file on KeyBank is an inch thick. I wish we have never allowed ourselves to be reeled in by a so called {$300.00} bonus for opening a new customer account with them.
I feel that the XXXX charges and money that Key bank deducted from our savings account should be refunded, especially in light of The Federal Reserve 's Regulation D-Reg D has been temporarily suspended, and no resumption date has been announced. I also called XXXX XXXX and the XXXX XXXX, and XXXXXXXX Branch to advise them that according to KeyBank, the Federal Reserve is confused, doesnt know what they are talking about, and that KeyBank does not have to follow their rules of suspension. | null | KEYCORP | CO | 80234 | null | Consent provided | Web | 2022-04-19 | Closed with explanation | Yes | null | 5,467,544 |
2017-08-05 | 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 was notified by Bank Of America that I was committing a form of fraud because checks were being written and funds were not available intentionally. I had funds available per my account balance shown online and based on this information I continued to use checks. I then was one day notified account was closed due to fraudulent activity and was reported to XXXX XXXX and have been trying to resolve issue for about 2 years now. No help from Bank Of America and I even wrote them an explanation for good faith due to being unaware of process and delay to updates made on account when using checks. I resolved anything owed to the bank and then asked to be removed from XXXX XXXX and nothing has been done. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 94560 | null | Consent provided | Web | 2017-08-05 | Closed with explanation | Yes | null | 2,596,078 |
2022-01-24 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | received a statement on XX/XX/XXXX for {$160.00} and XX/XX/XXXX {$5900.00} for services received on XX/XX/XXXX.
XX/XX/XXXX spoke to XXXX XXXX at XXXX Ref # XXXX, amount due is {$38.00}, she requested a corrected statement from XXXX XXXX XXXX XX/XX/XXXX received letter from XXXX XXXX for final notice for payment XX/XX/XXXX check # XXXX cleared bank for amount due {$160.00} XX/XX/XXXX Final notice received from XXXX XXXX XX/XX/XXXX spoke to XXXX Ref # XXXX sent letter stating amount has been paid by XXXX, requested itemized statement XXXX XXXX from XXXX XXXXXXXX XXXXXXXX XXXX faxed to XXXX at XXXX XXXX XXXXXXXX on XX/XX/XXXX SEE XXXX page XXXX of XXXX XX/XX/XXXX XXXX sent a letter to XXXX XXXX stating per the contract in network doctors and facilities can not bill for services per their contract XX/XX/XXXX XXXX spoke to XXXX at XXXX XXXX stated XXXX at XXXX sent an explanation of benefits to management at XXXX XXXX XXXX was told not to pay at this time because amount due was to be zeroed out | null | Nationwide Recovery Systems, Ltd | TX | 76179 | null | Consent provided | Web | 2022-01-24 | Closed with explanation | Yes | null | 5,143,673 |
2019-08-06 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | On XX/XX/2019I opened a Bank of America Checking Account using the promo code #XXXX, a code that was specifically unique to me using a physical mailer. I opened this account with verification code #XXXX.This targeted promotion was for a $XXXX checking account bonus after having direct deposits totaling > $XXXX in the first 60 days. Here is a timeline of what happened:XX/XX/XXXX: Account opened using promo code #XXXXXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: $XXXX direct depositXX/XX/XXXX: Received $XXXX bonusXX/XX/XXXX: First call regarding missing $XXXX. Customer service rep indicated she could not find any information regarding the bonus but to be patient and it would appear.XX/XX/XXXX: Second call regarding missing $XXXX. Customer service rep said bonus would appear within the next week.XX/XX/XXXX: Third call regarding missing $XXXX and escalated up customer service. Customer service indicated they had no record of the promo and that I was not targeted. Customer service rep said in order to get this missing money I would need to go into a branch to argue with the bank manager about this.After satisfying all of the conditions, Bank of America has no paid out the bonus to me which they initially were advertising. Bank of America has paid out the public bonus at the time; however I have received mixed information about the targeted bonus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | OR | 97212 | null | Consent provided | Web | 2019-08-06 | Closed with monetary relief | Yes | null | 3,331,409 |
2018-05-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I transferred the property by quit claim deed to my ex-husband in my divorce and 6 months prior to that a motion was filed that stated he was responsible for all mortgage payments on the home. He failed to make any mortgage payments and the house went into foreclosure. I attended the foreclosure mediations and was able to get myself " removed as a defendant '' from the foreclosure. The final judgement was only served on my ex-husband. I have a letter from the attorney 's office who handled the foreclosure stating I had interest in the action and I was not a party to the foreclosure together with a copy of the withdrawal they filed. This was all provided to XXXX and all I and my current lender has asked is to remove the language " foreclosure '' from my credit report so I can move forward in applying for a mortgage but they refuse to.
I need this language removed so I can apply for a mortgage. I was not a party of the foreclosure therefore it should not appear on my credit report. This is all we are asking and they refuse to remove it.
Please advise if you can help. This is all that is holding me up from getting a mortgage. It's unfair that I have to suffer for what my ex-husband decided to do.
My current lender contacted them on XX/XX/XXXX and faxed all required information to them Both myself and my current mortgage company followed up with them on XXXX and was told it would be resolved in a few days My current mortgage company called them again on XXXX because we did not hear back from them as they had stated and they sill refuse to remove " foreclosure '' from my credit report I called on XX/XX/XXXX and the stated a case had to be opened and it would take 10 days even though we had previously called and provided all the requested documentation. | null | EQUIFAX, INC. | CT | 06460 | null | Consent provided | Web | 2018-05-10 | Closed with explanation | Yes | null | 2,903,244 |
2023-06-01 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | My account was defrauded last year, I opened a fraud case and filed a police report as instructed by TD bank. The bank said they would send it to global securities and investigate the case, it has been a year and they have NEVER investigated the case, or even gotten back to me. Instead theyve attempted to eschew all responsibility and claim its not their job to investigate the case despite telling me they would do so. At this point it is negligence. | null | TD BANK US HOLDING COMPANY | NY | 11367 | null | Consent provided | Web | 2023-06-01 | Closed with explanation | Yes | null | 7,059,607 |
2023-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$630.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX # : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MS | XXXXX | null | Consent provided | Web | 2023-04-26 | Closed with explanation | Yes | null | 6,893,455 |
2019-03-08 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late.
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time.
I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges.
I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form.
Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto.
Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them.
Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | FL | 34608 | Servicemember | Consent provided | Web | 2019-03-14 | Closed with explanation | Yes | null | 3,173,642 |
2019-05-14 | 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 | XXXX and Transunion are reporting incorrectly that I am30 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 5 and 6 of the attached credit report. ) This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CO | 80247 | null | Consent provided | Web | 2019-05-14 | Closed with explanation | Yes | null | 3,242,036 |
2022-12-31 | 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 | This COMPLAINT LETTER is being submitted in light of the fact of the blatant violation of the TILA, FCRA and FDCPA laws. I have reviewed my credit reports and noticed there are STILL several violations which if not addressed will continue to cause my family and I financial hardship and mental anguish.
You are reporting INQUIRIES that are the result of what I believe to be fraudulent activities. This is due to the fact that you are willfully posting my personal information even after many data breaches. I must note that I did not apply for credit accounts with the below listed companies and creditors. Some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from my credit file.
15 US CODE 1681c - 2 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 15US CODE 6821 - making a false, fictitious, or fraudulent statement or representation to a customer of a financial institution. The fact that you are willingly reporting false information about my personal financial information is a violation.
15US CODE 6823 - Whoever knowingly and intentionally violates, or knowingly and intentionally attempts to violate, section 6821 of this title shall be fined in accordance with title 18 or imprisoned for not more than 5 years, or both.
15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.
15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights.
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc. clearly shows you are in violation of this law.
15 US CODE 1692K- Civil Liability ( a ) amount of damages except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of The below listed accounts that are in violation 15 US CODE 1681 ( a ) ( 4 ) and 15 US CODE 6802 ( b ) ( 1 ) ( c ) I did not give permission for you to disclose my personal data The following inquiries are the result of these violations and Im requesting you please remove them as soon as possible : INQUIRIES 1. Name of company XXXX XXXX XXXX XXXX Date of inquiry : XXXX 2. Name of company XXXX XXXX Date of Inquiry : XXXX 3. Name of company XXXX XXXX Date of inquiry XXXX XXXX 4. Name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | AL | 359XX | null | Consent provided | Web | 2022-12-31 | Closed with explanation | Yes | null | 6,382,833 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | null | EQUIFAX, INC. | FL | 34120 | null | Consent provided | Web | 2023-03-17 | Closed with explanation | Yes | null | 6,711,359 |
2020-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account.
3. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account.
5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account.
6. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account.
7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
8. XXXX/XXXX with ACCT # XXXX opened on APR XXXX, XXXX with a credit limit of {$1800.00} -This is not my account.
9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account.
10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
XXXX. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account.
-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90020 | null | Consent provided | Web | 2020-02-07 | Closed with non-monetary relief | Yes | null | 3,524,286 |
2022-01-14 | 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 am enrolled in XXXX through XXXX. Through XXXX, I received Credit Alerts related to several " New Inquiry '' requests that I did not make or request to have performed, and that I do not recognize or have any information about. These inquiries ( detailed below ) into my credit file were done fraudulently and without my permission.
Specifically, on XX/XX/XXXX, an inquiry was made made through Experian from the following company : " XXXX XXXX XXXX XXXX XXXX. '' When I XXXX this abbreviated name, no further information was provided for the name of the company/business, but there were several forums that discussed the fraudulent nature of this inquiry. I have never contacted any company and/or entity related to the above abbreviated name with respect to running a credit report or requesting any services from any company and/or entity related to the above abbreviated name that would trigger their running a credit report about my credit file, history and/or information.
Further, on XX/XX/XXXX, three separate inquiries were made through Experian, from the following companies : XXXX ) " XXXX XXXX XXXX '' XXXX ) " XXXX XXXX XXXX. '' XXXX ) XXXX XXXX When I XXXX the above companies, it was revealed that the three inquiries, in order, related to a XXXX XXXX application for a credit card, a request by XXXX XXXX, and a request by the XXXX XXXX XXXX XXXX XXXX. I have never contacted any of those companies with respect to running a credit report or requesting any services from any of those companies that would trigger their running a credit report about my credit file, history and/or information.
Similarly, on XX/XX/XXXX, a separate inquiry was made through Experian from the following company : " XXXX XXXX XXXX. '' On a related note, I received a letter in the mail from XXXX related to an application for a " XXXX XXXX XXXX XXXX. '' Similar to the above requests, I never contacted XXXX with respect to running a credit report or requesting any services from XXXX that would trigger XXXX running a credit report about my credit file, history and/or information, and never applied for a XXXX XXXX XXXX XXXX or any other credit card through XXXX.
Each and every of the five ( 5 ) above inquiries into my credit file were performed without my permission and without my knowledge. I never requested any of the above companies to run a credit check, and never requested nor applied for any services with those companies. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90277 | null | Consent provided | Web | 2022-01-14 | Closed with non-monetary relief | Yes | null | 5,111,210 |
2020-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately. | null | EQUIFAX, INC. | OH | 43232 | null | Consent provided | Web | 2020-12-14 | Closed with explanation | Yes | null | 4,011,231 |
2020-10-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This loan was paid in full. It was never sent or sold to a collection agency. They have refused to provide the correct information and now it is showing as a charge off when it wasnt. Experian was provided with a letter I received from XXXX stating the loan was paid. I also have proof showing XXXX was who deducted the FULL payment from my bank account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75126 | null | Consent provided | Web | 2020-10-15 | Closed with explanation | Yes | null | 3,901,593 |
2020-07-27 | Vehicle loan or lease | Lease | Incorrect information on your report | Account status incorrect | On XX/XX/XXXX the vehicle I least was involved in a total loss accident. On XX/XX/XXXX the insurance company sent XXXX to Ally Bank for a payoff. On XX/XX/XXXX Ally posted the payment. On XX/XX/XXXX I contacted Ally to pay the XXXX deductible, and was told by Ally to wait till the account was finalized because the amount may be adjusted because of the Gap insurance on the lease. On XX/XX/XXXX the account was charged off as bad debt for XXXX saying my account was delinquent for two months, it was not delinquent. My credit dropped 50 point just as I am in the middle of a refinancing on my home. When the account showed up on my credit I immediately paid the XXXX and I still have no idea why I was billed. I have asked Ally to send me a breakdown of the bill and also correct my credit report and have been told by 3 different operators, they dont do that and all they can send me is a paid in full bill. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | PA | 190XX | null | Consent provided | Web | 2020-07-27 | Closed with non-monetary relief | Yes | null | 3,765,827 |
2022-12-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate | null | EQUIFAX, INC. | MI | XXXXX | null | Consent provided | Web | 2022-12-19 | Closed with explanation | Yes | null | 6,334,253 |
2018-03-09 | 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 disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | XXXXX | null | Consent provided | Web | 2018-03-09 | Closed with explanation | Yes | null | 2,838,137 |
2016-05-17 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | The collection put a debt on my credit report which does not belong to me. It is a medical bill which belong to a child. When I called the company regarding the debt they told me I had to find out the information for the child in question and give it to them or that they would continue to report it as my debt. I told them I did not know anything about the child in question. I only knew the child 's name because one of their nicer creditors told me. I called the hospital in question regarding the debt and they said, clearly the debt do not belong to me and they have no record of any debt for me. When I called the collection agency back and informed them what the hospital stated, they said I had to send them in writing a letter disputing the debt which I did. They intern, sent me back a response stating " due to the concerns outlined in the letter I sent, their office has reviewed the account. According to your dispute, the account in question does not belong to you. In order to complete our investigation and resolve this matter, we need your assistance. Please provide this office with a copy of your Driver 's license/Identification Card and Social Security XXXX so we can verify your identity. Am I suppose to send them these documents. They used my SSN when they placed this debt on my credit report. I have been a victom of identity fraud before and am not comfortable with sending my documents through the mail. Why ca n't they just remove the information if they know that it is not accurate. North Carolina Permit # XXXX The company is Syndicated Office Systems , Inc. dba Central Financial Control Inc XXXX XXXX XXXX XXXX. XXXX, CA. They listed this same debt three times on my credit reports under both company 's name Please advise on sending personal identification to collection agency for the purpose of removing debt that does not belong to me. Thanks for your assistance. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TENET HEALTHCARE CORPORATION | NC | 27332 | null | Consent provided | Web | 2016-05-17 | Closed with explanation | No | No | 1,929,222 |
2023-08-17 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | Bank of America has made a decision to close the two credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | VA | 22150 | null | Consent provided | Web | 2023-08-17 | Closed with explanation | Yes | null | 7,417,367 |
2023-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of items which do not belong to me or were opened without my permission.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$630.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 35126 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,696,808 |
2022-09-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
Equifax- USPS XXXX : XXXX - Delivery Date : XXXX XXXX I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : | null | EQUIFAX, INC. | NY | 10453 | null | Consent provided | Web | 2022-09-26 | Closed with explanation | Yes | null | 6,020,426 |
2020-12-29 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Sent card you never applied for | I received a credit card in the mail today, XX/XX/2020, which I believe is fraudulent. It is a Visa card from U.S. Bank ReliaCard ( Introductory letter attached ).
Neither my wife or I ordered this card, but we recently refinanced our home and believe someone may have accessed our information fraudulently.
I attempted to contact US Bank at the telephone number and website they gave. The website located at : https : //www.usbankreliacard.com/web/usbankreliacard/login did not provide me any information about canceling a fraudulent card. Using the telephone number given on the card and introductory letter ( XXXX ), I was unable to address my concern. First, I was asked to provide information through AI about the account. When asked to provide my last 4-digits of my Social Security number, the account indicated that I need to be transferred to a customer service assistant. I provided information for both my wife and I without success. After being transferred, I waited on-hold for 20-minutes and was eventually kicked off the line. While waiting, I received several automated voices telling me they were extremely busy and thanked me for waiting. Eventually, a final automated voice told me that I could not take the survey because it was not available and then hung-up on me. I was not intending to take a survey, nor did I ask to be placed in the survey taking cue.
I do not know how else to resolve this issue and would like to have a response from the company. It is very difficult to resolve my complaint when I can not contact a real-life customer service assistant. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CO | 80120 | null | Consent provided | Web | 2020-12-29 | Closed with non-monetary relief | Yes | null | 4,035,685 |
2021-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It May Concern.
I am a victim of identity theft and I have recently found another account that has been fraudulently added to my credit report.
Account # XXXX with XXXX XXXX XXXX is claiming I owe {$320.00} to XXXX XXXX XXXX
This account is not mine. In fact, Experian recently completed an investigation on this same amount that XXXX XXXX XXXX is claiming that I owe. The investigation results were completed on XXXX and updated on my case with the Consumer Financial Protection Bureau under case ID XXXX.
Experians exact reply to my per CFPB XXXX ID XXXX Per your request to conduct a reinvestigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The disputed account has been removed from your credit report.
Additionally, XXXX and XXXX completed an investigation as well and had the account deleted and removed from my credit report as well.
Attached you will find several documented pieces of evidence that has been filed with local law enforcement and other government institutes for this illegal account. Please review the following evidence : Office of the Attorney General of Virginia Notarized documentation that XXXX XXXX XXXX has created several fraudulent accounts over the years ( scroll to page XXXX ) FTC Report Number XXXX for the Fraudulent account # XXXX with XXXX XXXX XXXX
Police Report with XXXX County Sheriffs Office Incident # XXXX reporting identity theft that has led to several illegal accounts on my credit reports.
Experian Deletion notice from Consumer Financial Protection Bureau XXXX XXXX ID XXXX XXXX Deletion notice from Consumer Financial Protection Bureau XXXX XXXX ID XXXX XXXX Deletion notice from my credit report with confirmation # XXXX Please have this account removed immediately from my credit report.
Because as I mentioned this item has been reinserted on my credit report under a fraudulent account number and name.
In accordance with the requirements of the FCRA section XXXX XXXX a ) ( XXXX ) ( B ) ( ii XXXX, you are required to notify me of the reinsertion in writing within XXXX business days.
( B ) Requirements relating to reinsertion of previously deleted material XXXX ii XXXX Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.
I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney General 's Office, and the XXXX.
Please govern yourself accordingly.
XXXX XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney General 's Office Cc : XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 225XX | null | Consent provided | Web | 2021-07-06 | Closed with non-monetary relief | Yes | null | 4,517,649 |
2023-03-25 | 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 | On ( XX/XX/2023 ) 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. | DE | 19709 | null | Consent provided | Web | 2023-03-25 | Closed with explanation | Yes | null | 6,749,233 |
2022-06-10 | 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 to Consumer Fair Act XXXX XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.
15 U.S.C. 1681 Section 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 | Experian Information Solutions Inc. | FL | 34748 | null | Consent provided | Web | 2022-06-10 | Closed with explanation | Yes | null | 5,657,485 |
2022-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have been a victim of identity theft. Please see the attached documents for reference. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 923XX | null | Consent provided | Web | 2022-09-27 | Closed with explanation | Yes | null | 6,024,448 |
2023-05-10 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was paid | I have 2 complaints with ProCollect : 1 ) Trying to collect a debt that has already been paid.
I moved out of XXXX XXXX XXXX, XXXX XXXX in XXXX of 2021 due to complications with COVID 19 and ultimately, unemployment. I transferred to another apartment within the same apartment complex. At the time, I had a grant from XXXX XXXX, VA that paid for most of the costs and had extra monies in my " apartment account. '' I have a statement from XXXX at XXXX, the apartment complex, from XX/XX/2021 stating all monies had been paid on the Apartment. I never received notice of the {$950.00} damage bill being collected until after I called ProCollect and disputed a {$950.00} damage bill associated with damages to XXXX XXXX XXXX, XXXX XXXX and referring to a signed document that was an addendum to the XXXX XXXX lease. When I disputed this bill and stated it was false due to the address listed on the paperwork they were claiming, ProCollect brought placed it on my credit report and associated it with XXXX XXXX and with a new date. Again this debt had already been paid 2 ) Prior to the debts being reported to the credit bureaus, I tried to contact ProCollect multiple times. I was told after my first round of disputes I could not speak to anyone besides a XXXX XXXX within the company. This elusive XXXX XXXX can not be contacted by phone. I emailed him 3 times prior to the bills being reported to the credit bureaus. I have disputed the bills with the credit bureaus and each time have been told that I am at fault even though I send in the documents I have. I have contacted him 2 times in the past two weeks, stating I just want to pay the bills, even though they are not mine, just to be done with it. Again, no response. I am at a loss. Please help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | VA | 231XX | Servicemember | Consent provided | Web | 2023-05-10 | Closed with explanation | Yes | null | 6,956,462 |
2020-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | he class action multi state settlement includes my loan repossession I have called XXXX XXXX attorney generals office for both the state I reside and sate I resided at the time. The settlement administrator I get ran through circles and told I just have to wait no timeline given. Currently trying to obtain a mortgage and this is XXXX on my credit. I have been trying to get a resolution for weeks and its so frustrating and disheartening. I have obtained a copy of the judgment to attach to this if I dont qualify for the deficiency wavier I would atleast like an explanation as to why. | null | EQUIFAX, INC. | AZ | 85204 | null | Consent provided | Web | 2020-11-11 | Closed with explanation | Yes | null | 3,947,629 |
2016-10-23 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Having problems with customer service | I submitted a re-certification application for my Public Service Loan Forgiveness program and for a change in my repayment plan. Fedloan Servicing denied my application because of " the use of an invalid signature ''. However, I definitely signed the document, and so did my wife. We did n't change our signatures. I think this denial is baseless, merit-less, and a stalling tactic. | null | AES/PHEAA | NY | 14051 | null | Consent provided | Web | 2016-10-23 | Closed with non-monetary relief | Yes | No | 2,173,926 |
2022-08-31 | Vehicle loan or lease | Lease | Managing the loan or lease | Problem with additional products or services purchased with the loan | ON XX/XX/XXXX I spoke with a representative from the settlement department of Credit Acceptance about a pay off on an XXXX XXXX XXXX .I am the co -signer on this vehicle for my Grand daughter. Upon the purchase of the vehicle I was sold a warranty incase anything happened to the vehicle I can use it to cover the cost and get discount on services etc. However we were faced with large out of pocket repairs on the vehicle. Every company I went to didn't except the warranty company that was sold to me by credit accepatance as A GARANTEE protection. I will show the recpts where I had an out of pocket expense of {$2400.00} because they didn't except services from this particular company because they have a bad reputation of not paying providers. I reported it to the dealership and I was told to try many different locations and then have it towed there. I noticed this contract was under the truth in lending act and no way should I have ever been in this position and my rights under the truth in lending retail installment contract has been violated. I am XXXX and is living on limited income and I don't deal with Debt. When I had to pay the out of pocket expense the account became delinquent. Credit Acceptance has done nothing to help us regarding the Bogus warranty that was sold to me under the truth and lending act that was attached to the installment agreement. I explained the matter and requested if I can pay {$15.00} as a settlement to pay off this car. They told me the car is {$22.00} and some change and my pay off is {$20.00} and change because they dot settle. also the interest is compounded .I asked about a payment plan however they will give you a payment plan but the interest will keep accruing on the portion that is not being paid which it will keep you almost close to the balance.of the original finance amount. its like you will never pay the car off and you will be paying compounded interest. i was told the warranty i was sold and never was able to be used could be cancelled however i would not get any money back from a warranty that was not accepted anywhere. If they did this to me im sure they doing this to all their customers. They are trapping people in this retail installment agreement and almost forcing unrealistic terms that people are having issues with. Credit acceptance is not taking any of the responsibilty of what they are having the consumers sign. We also never recv 'd a truth in lending seperate paper explaining our rights under the truth in lending act. that was another violation under U.S. CODE 3952 PROTECTION UNDER INSTALLMENT CONTRACTS FOR PIRCHASE OR LEASE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CREDIT ACCEPTANCE CORPORATION | AR | XXXXX | null | Consent provided | Web | 2022-08-31 | Closed with explanation | Yes | null | 5,937,814 |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Went to XXXX XXXX XXXX in XXXX Al ( graduated 2012 ) with a degree in XXXX XXXX XXXX and loans are $ XXXX still do not have a job in that field. The payments are too high and it's recorded a negative impact on my credit report. Can not possible purchase anything. Can't transfer credit to another college. I was told the degree is worthless. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | XXXXX | Servicemember | Consent provided | Web | 2021-10-26 | Closed with explanation | Yes | null | 4,847,790 |
2016-10-05 | Debt collection | Other (i.e. phone, health club, etc.) | Improper contact or sharing of info | Talked to a third party about my debt | Representatives was discussing my account with another person while being unaware that my voicemail was recording. Representative stated my name, when I opened my account, the status, and said that I stole everything. Representative never addressed me on the voicemail communicated that they are attempting to collect a debt. Once the representative realized that my phone was recording she disconnected the call. | null | Conn's, Inc. | TX | 75019 | Servicemember | Consent provided | Web | 2016-11-23 | Closed with explanation | Yes | No | 2,148,374 |
2023-02-21 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | I opened a wells fargo checking account on XX/XX/ 2023 through online.
while I was opening the account, wells fargo asked to put the minimum deposit to open an account. so I made {$100.00} transfer to wells fargo account # XXXX from my XXXX account # XXXX. On my XXXXXXXX XXXX statement, {$100.00} was transfered to wellsfargo on XX/XX/XXXX.
on the same day, I fount out there is no branch near me so I wanted to close the wells fargo account I just opened.
{$100.00} already transferred to wells fargo account from XXXX. I spoke to XXXX and they said {$100.00} already left out of their hands and settled to wells fargo.
I talked to the agent in wells fargo and they never received {$100.00}.
Because I closed the account on the same day I made transfer, but that transactions was not cancelled and I need {$100.00} back to my XXXX account. The agent who closed my account did not do the right action. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 11729 | null | Consent provided | Web | 2023-02-21 | Closed with explanation | Yes | null | 6,599,517 |
2023-05-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be deleted from my file right away XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | FL | 33016 | null | Consent provided | Web | 2023-05-29 | Closed with non-monetary relief | Yes | null | 7,040,563 |
2022-02-14 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Credit card company won't increase or decrease your credit limit | I was not notified of a credit limit decrease before it happened. No advance adequate notice was given. The company substantially decreased my limit to point where the utilization on the card shot up to over 85 %. Which means this company is artificially manipulating my credit account, credit score, credit-worthiness, and credit report. This is done in order to drop my score to increase my rates and fees banks and other card issuers can charge. this is illegal and a violation of congressional law. This is " unauthorized use '' as defined under 15 USC 1602 ( p ). This is identity theft. They used my card to manipulate my balance and the interest they can charge, they are NOT the cardholder, they do NOT have actual, implied, or apparent authority for such use and from which I, the cardholder received no benefit. They provide a service for a fee, they are not the original creditor, I am, they are not my agent. I am my own agent. I, the cardholder, received no benefit. In fact, this unauthorized use is to my detriment, as it is causing XXXX XXXX, and significant damage to my reputation and credit score, credit-worthiness, and credit report. There have never been any issues with this account. Nothing in my account history with this card warrants such a decrease. The limit was decreased within a few days of receiving an on-time payment.
There are no verified public records or collections on my report, which was one of the key factors the customer service representative told me that my limit was decreased. When speaking with the customer service representative I was not given a numerical credit score as defined in 15 USC 1681g ( f ) ( 2 ) ( A ), as this company took an adverse action against me based in whole or in part on any information they received in a consumer report. I did not authorize the inquiry that provided the report. The customer service representative told me XXXX furnished the report. I don't know how or why, when there are currently multiple accounts under dispute and under investigation ; they shouldn't be providing anyone with reports. Last month I tried to pull my own report through XXXX and could not pull XXXX because of disputes and investigations. So how is a card company able to pull my consumer report and I can not? Not only that, but then take an adverse action based on unverified information? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | IL | 60634 | null | Consent provided | Web | 2022-02-14 | Closed with explanation | Yes | null | 5,219,557 |
2022-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report.
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7200.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX OF PA XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$810.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX {$610.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX Balance : {$970.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 18015 | null | Consent provided | Web | 2022-06-23 | Closed with non-monetary relief | Yes | null | 5,701,851 |
2017-12-20 | Debt collection | Other debt | Communication tactics | Used obscene, profane, or other abusive language | The debt was removed off my credit report and added back on several months later. The debt need to be removed again off my credit report | Company believes complaint represents an opportunity for improvement to better serve consumers | HW Holding, Inc | AL | 35806 | null | Consent provided | Web | 2017-12-20 | Closed with explanation | Yes | null | 2,760,348 |
2020-11-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hello, My name is XXXX XXXX XXXX and I am reaching out to complain on Equifax for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I have filed a police report and identity theft report ( XXXX ) and still refuse to help.
I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS. | null | EQUIFAX, INC. | TX | 77379 | null | Consent provided | Web | 2020-11-27 | Closed with explanation | Yes | null | 3,978,318 |
2023-07-12 | 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 have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 15221 | null | Consent provided | Web | 2023-07-12 | Closed with non-monetary relief | Yes | null | 7,242,285 |
2022-04-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. '' | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 308XX | null | Consent provided | Web | 2022-04-26 | Closed with non-monetary relief | Yes | null | 5,502,188 |
2018-06-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | SOFI reported my account as 30 days late when I made special arrangements, due to a diagnosis of XXXX XXXX and XXXX in the month of XX/XX/XXXX. I have been a customer for 1 year, no issues with payments until I became ill. I contacted SOFI to let them know what my plans were on XX/XX/XXXX, as that is the day my loan is due.
My payment is XXXX per month. On XX/XX/XXXX, I paid XXXX on XX/XX/XXXX, I paid XXXX and on XX/XX/XXXX I paid XXXX to be all caught up. When I discovered they had reported me as 30 days late on XX/XX/XXXX, it made my score drop a whopping 100 points. I contacted them and they said they would do nothing. They were following government rules is what they said. I asked what rules they were speaking of I couldn't get a proper answer. I spoke with 3 separate people regarding this issue. XXXX, XXXX and XXXX who was the last person who told me they had to follow government rules.
He was quite sarcastic and said it was nothing he could do. I ask if I could get a goodwill removal o the 30 day late, he said NO. | null | Social Finance, Inc. | GA | 303XX | null | Consent provided | Web | 2018-06-08 | Closed with explanation | Yes | null | 2,930,689 |
2022-03-22 | Vehicle loan or lease | Loan | Incorrect information on your report | Information is missing that should be on the report | I have an auto loan with US Bank. In 2019 I filed for bankruptcy and re-affirmed the loan. When the bankruptcy was complete in XX/XX/2019 US Bank stopped reporting to any of the XXXX XXXX XXXX. I am trying to refinance this loan to reduce payments and I can not because nothing is showing that I even have an auto loan. I need a way to show that I have been making all of my payments on time and I am in good standing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | TX | 773XX | null | Consent provided | Web | 2022-03-22 | Closed with non-monetary relief | Yes | null | 5,353,433 |