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aciborowska

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customers-complaints-test

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2019-01-07

Checking or savings account

Checking account

Problem caused by your funds being low

Non-sufficient funds and associated fees

I did not have enough money in my account when my mortgage payment was presented for {$840.00}. Wells Fargo went ahead and paid the check which put my account into overdraft by negative {$330.00}. I would have never wanted this to happen. Now I am having other fees for other transactions that came through. I was charged another {$35.00}. fee for a {$5.00} transaction that was paid. The {$5.00} transaction would have gone through if they had never paid the {$840.00} transaction when I did not have the money in the bank. I understand that I should have balance my account better. I over budgeted and things happened. I could have just called my mortgage company and made arrangements with them. Now I do not have money to take me to my pay day, I have other transactions coming through that I am getting charged {$35.00} for. This is not fair to me. I do think the bank should be allowed to pay for a transactions that is going to overdraft my account for {$330.00} at least without letting me authorize or approve it first. I have the ATM Overdraft on my account, but it will ask me first if I want to do this and let me know that there is a fee. I would have preferred that the bank would have sent this back with out paying this and not charge me any fees if something else came through, especially for {$5.00}.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

SC

29681

Consent provided

Web

2019-01-07

Closed with monetary relief

Yes

2023-08-12

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 account 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 this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX : {$11000.00}.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

FL

333XX

Consent provided

Web

2023-08-12

Closed with explanation

Yes

2017-05-17

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I sent a request to this company to find out what this debt was for. I received a response stating it was for a gym membership that I never signed up for. There are 2 seperate contracts with 2 different dates and two different amounts. The license number listed is not mines. I asked this company to provide me with a copy of the identification that was used. I am more than 99 % sure whenever you sign up for any kind of membership a copy of your photo identification is kept on file as well. Also it states that a credit card payment was used I just recently got my XXXX credit card not to long ago. I contacted them and ask if they could mail me a copy of the ach authorization form they claimed they had on file but was told I had to contact the collection agecny.

Company believes it acted appropriately as authorized by contract or law

First Credit Services Inc.

MD

212XX

Consent provided

Web

2017-05-17

Closed with explanation

Yes

2019-03-02

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

I was locked out of my credit report by XXXX, XXXX and Experian while trying to do a dispute because they do not list my current employer.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

IL

62702

Consent provided

Web

2019-03-02

Closed with explanation

Yes

2023-04-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60624

Consent provided

Web

2023-04-06

Closed with non-monetary relief

Yes

2021-11-17

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 sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond How can a disputed be resolved if the customer disagrees, who resolved the disputed account, no reasonable procedure was performed it is a violation to my rights to claim that an account has been resolved if I didnt resolve it and its still reporting inaccurately This companies has violated FCRA XXXX ( XXXX ) XXXX ) by failing to mark this disputed account as disputed XXXX ( XXXX ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This companies has continuously failed to validate this collection account further violating FDCPA XXXX per the FTC opinion.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75070

Consent provided

Web

2021-11-17

Closed with explanation

Yes

2023-04-10

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$640.00} ; XXXX XXXX Balance : {$810.00} ; XXXX XXXX XX/XX/XXXX.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28215

Consent provided

Web

2023-04-10

Closed with non-monetary relief

Yes

2021-09-21

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

These charges were did NOT authorized by me and I reported the fraudulent activity to XXXX XXXX on XX/XX/XXXX. I reported the fraudulent activity to BOA on XX/XX/XXXX as well. Based on the data provided by XXXX, BOA reversed the temporary credits on XX/XX/XXXX which caused my account to go into overdraft because XXXX XXXX claimed I authorized the transactions even after I sent XXXX evidence I DID NOT authorize the fraudulent transactions. If XXXX XXXX would have followed the guidelines of the Electronic Funds Protection Act, XXXX XXXX would know the fraudulent activity was not initiated from my device ( cell phone ). I requested BOA to reconsider my claim and faxed in the emails with XXXX XXXX reporting the fraud. Copy of my IP address to show it is NOT the IP address used to initiate the fraudulent activity. Screenshots of the completed transactions history with XXXX XXXX to show the 2 transactions were not in my completed history and screenshots of my contact list to show the person money was transferred to was not in my transaction history. I have been monitoring the secure messaging center to see the status of my claim. I noticed on XX/XX/XXXX that my claim has been denied again. I was told because I had logged into my account 7 times between XX/XX/XXXX and XX/XX/XXXX I should have noticed the fraudulent activity. I noticed the fraudulent activity on XX/XX/XXXX after receiving an alert of the transactions. I was logging in to monitor when the transactions posted and to ensure BOA issued me a credit for the fraudulent charges. I have not received the official letter from BOA of the denial. I was logging into my account to monitor once transactions posted. I was hoping to prevent the transactions from posting but unfortunately, that did not happen. I also canceled my debit card and received an email on XX/XX/XXXX that the new card was being shipped to me. I also requested to have any future activity with XXXX XXXX canceled XXXX I noticed in the information provided by XXXX XXXX through my complaint with Bank of America, the IP address in their documents does NOT match the IP address for my cell phone. IP address for my cell phone is XXXX. IP address provided in their documents is IP XXXX. I did everything I could to alert BOA of the fraudulent activity. The transactions were initiated within 2 minutes of each other. From my previous faxes to BOA, I provided my IP address to show the fraudulent activity was not initiated from my cell phone and does not match the IP address provided by the merchant. I provided BOA the screenshots to show that the 2 transactions do not appear in my XXXX XXXX completed history. I provided to BOA the screenshots of the contact history to show the person that money was sent to was not in my contact list. I reported the fraud on XX/XX/XXXX and canceled my debit card and was reissued a new debit card. Even the email address of the person who received money is suspect XXXX. I have no idea who this recipient is. XXXX XXXX is not taking the situation seriously and has told me to work with my bank and local law enforcement. Bank of America is requesting I send the police report over to BOA for BOA to reconsider my claim again. BOA is also asking if it is fraud, why wasnt more money taken from my account. One reason why more money was not taken was because of the alerts BOA advised me to use to detect fraudulent activity. I never had a difficult time with fraud on my BOA credit card but I am having a very difficult time getting BOA to resolve a claim against my debit card. How can BOA tell as of XX/XX/XXXX what my account balance was as of XX/XX/XXXX when the transactions were initiated? If you take my ending balance as of XX/XX/XXXX, {$640.00} and back out fraudulent charges of {$500.00}, my balance would be {$140.00}. If the person is taking increments of {$250.00} out of my account, how could they have drafted more from my account when balance was below {$250.00}? If you look on the last page of the BOA resolution letter dated XX/XX/XXXX, XXXX XXXX provides a screenshot of the scam reported and XXXX XXXX is working to get my money back. You will also see I requested a refund with XXXX XXXX on the last page as well with not luck. Sad thing is XXXX XXXX and BOA are not working to get my money back. I have been a BOA customer for 24 years and BOA is making me do all the leg work to report the fraud and BOA is still denying that fraud took place even after me sending in relevant documentation to prove the fraud.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

XXXXX

Consent provided

Web

2021-09-21

Closed with monetary relief

Yes

2020-04-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30458

Consent provided

Web

2020-04-23

Closed with explanation

Yes

2023-05-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NC

28213

Consent provided

Web

2023-05-01

Closed with explanation

Yes

2021-10-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

Hello, I mailed off a dispute letter for accounts that were listed on my credit report that did not belong to me on the XXXX of XX/XX/. Today is XX/XX/XXXX and I have not received no response back from the credit bureau.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NJ

08046

Consent provided

Web

2021-10-12

Closed with non-monetary relief

Yes

2023-01-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2020, National Credit Systems INC. reported a delinquent account to my credit report. They said an apartment complex called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX retained them to collect an amount of {$3200.00} owed to them from me in back rent. I live in XXXX XXXX XXXX XXXX XXXX during the time of the lease in XXXX XXXX XXXX also a victim of identity theft ( I have a report for this ).. I contacted the company after seeing the account on my credit report and I emailed them a copy of the police report, I emailed them a lease for my home in XXXX for the dates the lease was signed in XXXX I also sent them paycheck stubs from my XXXX XXXXXXXX during those dates as well its been over a year going on XXXX years since Ive emailed those things and the company will not remove the account from my credit report. Im now XXXX because no one will rent to me with owing a previous landlord!

National Credit Systems,Inc.

GA

30281

Consent provided

Web

2023-01-06

Closed with explanation

Yes

2022-06-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

This Company is reporting negative information without my written consent and on top of it the information is also COMPLETELY FALSE. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C15 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 1681 Section B. States that Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agencyfor actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.

Early Warning Services, LLC

NJ

07747

Consent provided

Web

2022-06-27

Closed with explanation

Yes

2022-04-11

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

Following an investigation conducted by XXXX, on XX/XX/XXXX the amount I owed SANTANDER CONSUMER USA was {XXXX} and on XX/XX/XXXX SANTANDER CONSUMER USA changed this amount on my credit report to over $ XXXX. I reported this change to XXXX which resulted in SANTANDER CONSUMER USA repossessing my car on XX/XX/XXXX. My car was released to me on XX/XX/XXXX after I made a {XXXX} payment to SANTANDER CONSUMER USA. Since the release of my vehicle I have made several payments and I have submitted several disputes to XXXX. Despite these investigations resulting in my favor, SANTANDER CONSUMER USA will not change the reported information. On XX/XX/XXXX SANTANDER CONSUMER USA mailed me a letter with the intent to intimidate me from pursuing any further disputes in an effort to have the car seized from my possession. SANTANDER CONSUMER USA has a history of bad business practices and this information can be verified by consumer finance.gov https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-with-santander-consumer-usa-inc-for-credit-reporting-violations-in-connection-with-its-auto-loans/

Santander Consumer USA Holdings Inc.

NY

117XX

Consent provided

Web

2022-04-11

Closed with explanation

Yes

2023-06-15

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

10314

Consent provided

Web

2023-06-15

Closed with non-monetary relief

Yes

2021-06-25

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

For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, 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. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

EQUIFAX, INC.

LA

705XX

Consent provided

Web

2021-06-25

Closed with explanation

Yes

2023-06-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

I am writing to bring attention to the fraudulent personal information associated with my identity. There are certain accounts and transactions that have been falsely linked to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is of utmost importance to address this matter promptly, as it has had a detrimental impact on 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 into this matter. I am prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89142

Consent provided

Web

2023-06-29

Closed with non-monetary relief

Yes

2017-01-27

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt is not mine

Credit Collections Bureau is attempting to sue me on a debt that is my father 's debt. I called the original creditor and they confirmed this. When they went to file suit they did not provide any documentation that the debt was mine. Only the legal assignment to the courts. I am infuriated. XXXX, the account rep, was very rude when I figured out that I may not owe this. She told me that there is nothing that can be done until they hear it from the original creditor. Credit Collections Bureau is not a nice place to do collections. They are very rude when you try to settle or tell them they need to wait while I figure something out. I am looking into an attorney because the way they are treating me is not okay.

CREDICO. INC

SD

57702

Consent provided

Web

2017-03-29

Closed with explanation

Yes

No

2020-10-25

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

Since being a Victim of XXXX XXXX security breach my credit report had been a fraud nightmare. I have sent countless FTC reports explaining my situation with XXXX and they refuse to remove the fraudulent trade lines off my credit report. How many other people that were victims of identification theft are they doing that to. This has been going on since XXXX and its effecting my lively hood.

DISCOVER BANK

FL

333XX

Consent provided

Web

2020-10-25

Closed with non-monetary relief

Yes

2022-07-11

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I just contacted Capital One Auto Finance and spoke with representative XXXX ID # XXXX and was then transferred to XXXX # ID RNI regarding inaccurate information being furnished to my credit report. Capital One Auto Finance reported a 30 day late payment for the month of XX/XX/2022 which is incorrect, and also a violation of my federally protected consumer rights. The violations under this consumer credit transaction are clearly present, the LAW states transactions between the consumer, ME ( XXXX XXXX ), and the person, YOU ( Capital One Auto Finance ) making the report is not included on my consumer report. A late payment is transactional history, my HISTORY with your company. Congress clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT included on my consumer reports. I also asked XXXX if he knew what the definition of finance charge was and he stated he could not give me legal advise. I am unsure how that question constituted as giving legal advise. I explained to XXXX that the definition of finance charge is the SUM of all charges, so how could I be late if the finance charge is the SUM of all charges? This would constitute as a billing error. I am aware and well informed of my consumer rights, and I understand that the accounts receivable are due to investors and that I gave securities during this transaction and the interest and proceeds which have accrued on the account should of paid for the transaction otherwise there has been no valuable consideration given. I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 USC 8.

CAPITAL ONE FINANCIAL CORPORATION

GA

30019

Consent provided

Web

2022-07-11

Closed with explanation

Yes

2022-06-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have received a copy of credit report and noticed several accounts and inquires that were reported without my knowledge, Fraudulent applications have been submitted in my name and my identity has been used without my consent to obtain goods and services.

Early Warning Services, LLC

GA

30084

Consent provided

Web

2022-06-01

Closed with explanation

Yes

2021-09-17

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

Equifax has violated my rights under the FCRA and FTC Law. I have been trying for over 60 days to have the unauthorized inquiries remove from my credit report. Based on the laws, all information on my report must be accurate, no errors and verifiable. Equifax has not provided any evidence or proof. The inquiries attached to this complaint must be removed immediately. I am requesting CFPB to force Equifax to do its job and conduct a proper investigation to include producing proofs that these unauthorized inquiries were authorized by me. Please see attached evidences that I have been trying to work with Equifax by sending several certified mail requesting their verification of these inquiries. My next step is to bring this case to small claims court.

EQUIFAX, INC.

TX

77532

Consent provided

Web

2021-09-17

Closed with explanation

Yes

2020-01-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70769

Consent provided

Web

2020-01-29

Closed with explanation

Yes

2021-03-04

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I was a resident at XXXX XXXX from XXXX and had made numerous complaints and requests concerning a neighbors barking dog at all hours of the day and night. Per their policies, tenants are responsible for their pets causing unnecessary noise and large dogs are forbidden on complex grounds. This was a very large aggressive XXXX that barked and howled repeatedly. I made numerous complaints to the management and even attempted to contact the owner of the dog. The management instructed me to write a letter stating the nature of the complaint in order for to take legal action against the owner of the dog. I even contacted the local Animal Control ; their contracted security personnel and repeatedly visited the office concerning this issue. After my letter was written, the management took no action against the owner of the dog. I am a XXXX veteran with XXXX and my VA appointed phycologist wrote 2 letter for me to get an emotional support animal due to the stress of this dog causing me lack of sleep and a poor quality of life. My lease came due and I initially refused to renew my lease and then the management stated they would move the owner and dog across the complex which they did not follow through. With my doctors letter and for my sanity, I moved out of the complex. This was discussed several times after my move with the owners of the apartment complex, which resulted in nothing being done.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

XXXXX

Older American, Servicemember

Consent provided

Web

2021-03-04

Closed with explanation

Yes

2021-11-11

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with ARS plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1300.00}

Company has responded to the consumer and the CFPB and chooses not to provide a public response

HCFS Health Care Financial Services, Inc.

TX

79912

Consent provided

Web

2021-11-11

Closed with explanation

Yes

2023-08-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section 2 states " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : by the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they indeed do not have my written permission. Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.

Company can't verify or dispute the facts in the complaint

CCS Financial Services, Inc.

TX

761XX

Consent provided

Web

2023-08-23

Closed with explanation

Yes

2022-07-06

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

Home Depot-CITI card number* was used to make a purchase. I received a message on my phone asking if I had made the purchase ; obviously CITI realized there was an issue. I responded no and they said it would be taken care of. My bill, however, still showed the charge. They assured me that sometimes it takes awhile to be removed. Eventually, there was another charge, and the same scenario played out. This time though, the charge was against the new card number* they just sent me, that I hadn't used at all. *Both purchases were made on the card number in my name, however, the cards were in my possession. It appears the fraud was from within CITI itself. I contacted the 3 credit reporting agencies to freeze my credit and was contacted by a rep from XXXX ; she made a 3-way call to XXXX-CITI who agreed to investigate. They sent me a letter confirming this XX/XX/22. On XX/XX/22 I received a letter stating they confirmed the charges were fraudulent and would be removed from my account, including any interest, etc. In XXXX, CITI sent my account to collections and negatively affected my credit, first, by XXXX pts, then XXXX pts in XXXX. CITI refuses to speak to me and has blocked my acct.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

CA

92555

Consent provided

Web

2022-07-07

Closed with non-monetary relief

Yes

2022-01-19

Debt collection

I do not know

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

In XX/XX/2021, I received an email from a business called XXXXAFFIRM, INC ' stating I owe a balance of {$120.00}. The email said it was an XXXX purchase so I sent a 'stop-spoofing ' email to XXXX. The emails continue to come and always address 'XXXX ', and my name is not XXXX XXXX I have responded by email letting them know I do not know anything about the debt. I am now getting emails from a collection agency, XXXX, stating I owe the debt. I have contacted XXXX and have also mailed a complaint to Affirm. I have also mailed and emailed a XXXX.

Affirm Holdings, Inc

AL

350XX

Consent provided

Web

2022-01-19

Closed with explanation

Yes

2018-02-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I believe that someone stole my identity and this loan belongs to someone else.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MS

38654

Consent provided

Web

2018-02-06

Closed with explanation

Yes

2022-04-05

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

EQUIFAX, INC.

IN

46235

Consent provided

Web

2022-04-05

Closed with explanation

Yes

2023-06-16

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

79928

Consent provided

Web

2023-06-16

Closed with explanation

Yes

2021-04-19

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

Wish to file an official complaint against the following Debt collector XXXX XXXX XXXX XXXX XXXX. for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX XXXX XXXX harassing and terrorized me for decades. Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if Chase bank n XXXX XXXX XXXX already released my mortgage debt.

JPMORGAN CHASE & CO.

HI

96706

Older American

Consent provided

Web

2021-04-19

Closed with explanation

Yes

2020-11-09

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

This is my second complaint regarding this company. XXXX XXXX XXXX who has sent this to XXXX XXXX XXXX XXXX, XXXX.. They are requesting me to pay XXXX to them regarding a Capital One Bank XXXX XXXX XXXX. Back in XXXX of 2020 I received correspondence from XXXX XXXX XXXX stating I owed them. I then responded XX/XX/2020 requesting them to provide proof bearing my signature showing I have or ever had some contractional obligation to their company. Their response was dated XXXX XXXX they could not find any records of me. I then receive a letter from XXXX XXXX dated XX/XX/XXXX. I explain that XXXX had 30 days by law to provide me with proof. And they failed. I then sent them my letters and asked to please comply with the laws. I also received a letter from Capital One Bank stating I no longer owe them anything. I now have received a summons from XXXX XXXX that was delivered to me XX/XX/2020. But was filed on XX/XX/2020 and received by the court XX/XX/2020. I feel this is retaliation because I filed a complaint with your company and the Attorney Generals office.

CAPITAL ONE FINANCIAL CORPORATION

WA

98375

Consent provided

Web

2020-11-09

Closed with explanation

Yes

2017-08-10

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 thief..I have a police report to support my claim..there are inquiries on my report that are a result of identity thief..they are the following.. XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX..XXXX XX/XX/XXXX.. XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XX/XX/XXXX.. XXXX XXXX XXXX XX/XX/XXXX..XXXX XXXX XX/XX/XXXX.

EQUIFAX, INC.

FL

337XX

Consent provided

Web

2017-08-10

Closed with non-monetary relief

Yes

2017-07-12

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

XX/XX/XXXX and XX/XX/XXXX. that a computer glitch that was XXXX 's problem, not mines caused my inquiries to be deleted. XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I have contacted XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX. These inquiries add a hardship and that my rights were violated by XXXX. CFPB help me make XXXX stop victimizing me. As a resolution that all of my XXXX inquiries be deleted permanently from my report as a violation took place when they were illegally added.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

AL

35215

Consent provided

Web

2017-07-12

Closed with explanation

Yes

2021-03-17

Credit card or prepaid card

Government benefit card

Problem with a purchase or transfer

Charged for a purchase or transfer you did not make with the card

XXXX XXXX apx XXXX XXXX contacted call center. Talked to 3 employees of back card and told each of them of the 4 pending transactions that were fraudulent. XX/XX/21 XXXX boost mobile pending {$100.00} XX/XX/21 XXXX XXXX pending {$50.00} XX/XX//21 XXXX XXXX pending {$10.00} XX/XX/21 XXXX XXXX pending {$10.00} First employee could not start a Fraud claim. First employee could not answer my question to just reverse the charges. Second employee. Did not start a fraud claim. And could not reverse the charges. Second employee did notify me that there was other activity on my account but the funds were not there. Transferred me to a supervisor. Explained to the supervisor Of the four pending Charges. Also asking him to reverse the charges they did not belong to me. Put me on hold and was disconnected. Total Time one and a half hours. Approximately XXXX XXXX my account was closed. no card was ordered for me. XXXX XXXX XXXX XXXX I filed a police report. XXXX XXXX XXXX XXXX Made several attempts to contact bank, all calls went to recording and then call ended XXXX XXXX. Contacted Social Security, They made contact with With agency to get a new card Sent to me. XXXX XXXX XXXX XXXX XXXX XXXX, made several attempts to call bank received the same recording where the call would end. XXXX XXXX. Receive my new card to activate. New card entered into the phone customer service Now answers. Per Regulation E, Reported Fraud within 24 hours, bank did not-start a fraud claim until XXXX XXXX. As requested by bank to expedite, send fax per bank. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Faxed several times, no response. XXXX XXXX contacted bank gave me new fax number. XXXX XXXX XXXX XXXX, now 2 faxes attempting several times on automated re-fax. No response. XXXX XXXX received fraud claim in mail. XXXX XXXX. Three Separate faxes all went through including fraud claim, asking for an explanation of why claim was not started on XXXX XXXX. Today XXXX XXXX, 19 days after fraud still no provisional credit on my account. No call back or text sent from bank about fraud investigation.

Comerica

MI

486XX

Consent provided

Web

2021-03-17

Closed with monetary relief

Yes

2019-07-18

Debt collection

Auto debt

Attempts to collect debt not owed

Debt is not yours

Portfolio Recovery has continued to illegally report an account on my credit report that is not mine. Ive sent them 3 certified letters that I know they received and have yet to receive a response concerning what I sent. The last one sent was XX/XX/2019. This account is being reported incorrectly as it is not my account they have not sent me any type of proof that they have reflecting this is my account.

PORTFOLIO RECOVERY ASSOCIATES INC

CO

802XX

Servicemember

Consent provided

Web

2019-07-18

Closed with non-monetary relief

Yes

2021-02-12

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

On XX/XX/XXXX at the beginning of the Covid19 global pandemic my spouse and I were offered forbearance from XXXX XXXX for our Vehicle Lease. We accepted the offer in the event myself and/our spouse lost our job, etc. After making our XX/XX/XXXX lease payment and the account being current our forbearance began for the following three months ( XXXX, XXXX and XXXX ). When the three month forbearance ended we were fortunate that neither one of us has lost our jobs and we saved the monthly lease payments and wanted to pay them back to bring the account 100 % current and not have to make all payments at the end of the loan. ****This is when the issues arose and XXXX XXXX became obviously not prepared or knowledgeable to handle such a situation. My wife called XXXX XXXX in XXXX to being making auto draft payments with XXXX XXXX and requested to make a lump sum payment of three payments that we had forbearance on. XXXX XXXX stated they couldn't take a Lump sum payment and had to multiple individual payments, of which we did. XXXX XXXX also stated the Auto Draft system was not working and would need to call again to setup auto draft the following month ( XXXX ) to setup and start in XXXX. MY wife called in XXXX and again was advised the system wasn't allowing to do so and to call again in another month, so again my wife setup individual one time payments to keep account current. In XXXX my wife made another attempt to setup the auto draft with a XXXX XXXX agent. The agent said the system was setup and would start XX/XX/XXXX. Move foreword two months to XX/XX/XXXX and we receive a DLQ notice form XXXX XXXX that our XXXX payment was never made. Qucikly may wife calls and makes multiple payments for the XX/XX/XXXX payment and the XX/XX/XXXX payment, made on XX/XX/XXXX. Prior to this XXXX XXXX had already reported our account 30 days DLQ to the Credit Bureaus, of which both my spouse and I have over 800 credit rating each and this took us down to the low, low 700s. I quickly call XXXX XXXX, wait on hold hours and speak with a rep, advising the XXXX XXXX auto draft system failed and XXXX XXXX reported me DLQ at no ones fault but XXXX XXXX! The rep puts in a request on XX/XX/XXXX to have the credit dispute reviewed and fixed. 40 days later I receive a letter that XXXX XXXX on XX/XX/XXXX denied my request and said the credit was reporting correctly. I then call XXXX XXXX on XX/XX/XXXX, speaking to the 15 different agent on my 15 different call, explain again what had occurred. This Agent tells me this issues has occurred several times and many different clients of XXXX XXXX, and he wishes XXXX XXXX had never taking this on because they in no way are knowledgeable enough or know how to handle forbearance. The agent tells me he is going to change the account to show of the two payments i made on XX/XX/XXXX, one would reflect paid on XX/XX/XXXX and my account would never go DLQ, then then 3 days later would put the request to have credit fixed and email when he has done so. Now, its Friday XX/XX/XXXX, i have not heard back from this representative, my online account shows no change my payment history and my credit is no closer to being corrected after XXXX XXXX lack of ability and urgency. I called XXXX XXXX again on XX/XX/XXXX and spoke with again another rep! She advised me what the agent on XX/XX/XXXX was trying todo is not possible and a credit dispute must be completed again!!! Additionally!! My wife attempted to setup auto draft again in XX/XX/XXXX, of which XXXX XXXX said it would not go into effect until XX/XX/XXXX, so therefore my wife setup another one time payment for XX/XX/XXXX. on XX/XX/XXXX two payments are withdrawn from our bank account by XXXX XXXX, almost making my bank account negative, this was due to the one time payment working and auto draft starting XXXX and NOT XXXX like we were told by XXXX XXXX. i called yet again another XXXX XXXX rep Monday evening XX/XX/XXXX and he tells me he has put request in to get fixed and return funds, this would take 2-3 days, 4 days later i still don't have the funds bank in my account. I speak with another XXXX XXXX rep on XX/XX/XXXX and she said nothing been put in place to fix this, but she can have the transaction reversed and a cashiers check mailed to me in weeks. I declined this offer and would do best to keep funds in account until next payment due in XX/XX/XXXX. To sum up the complaint, XXXX XXXX has ruined my spouse and I 's credit with false report because of awful auto draft system and untrained reps, depleted my bill pay account by drafting multiple payments from it and not returning the money in a timely manner. And after months of work bring the account current, making multiple payments, dozens of phone calls, I'm no closer to having my credit score and my spouses fixed. This issue is all on XXXX XXXX and the lack of concern, plus ability.

EQUIFAX, INC.

TX

75070

Consent provided

Web

2021-02-12

Closed with explanation

Yes

2023-03-02

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

XXXX XXXX WITH THE AID OF RUSHMORE LOANS MANAGEMENT LLC AND LEGAL DISPUTES HAVE SUPPRESSED COURTS ORDERS WITH THE XXXX XXXX GOVERNMENT RESOURCES TO FACILITATE MANY FICTITIOUS LOAN SCHEMES AGAINST MY PROPERTY XXXX XXXX Paralegal, Dispute Resolution Rushmore Loan Management Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX direct | RUSHMORE LOANS XXXX XXXX and XXXX XXXX Have suppressed court orders and " protect '' fictitious borrower that has no legal right or authority to take loans from my lawful property. I provided orders and evidence of fictitious loan schemes from the year XXXX to the present that is being suppressed. The fictitious " borrower '' signed all the applications exclusively, with the notary of a " bankruptcy '' attorney that aiding bankruptcy fraud that used my lawful property as unlawful valuations. Government offices aided in the fictitious loans and " borrower '' suffers from opiate addiction and ordered to stay away from the property from domestic violence arrests, stalking and threats to my life. Paralegal, Dispute Resolution Rushmore Loan Management Services LLC XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX direct | RUSHMORE LOANS MANAGEMENT ON BEHALF OF US BANKS FICTITIOUS LOANS SCHEMES AGAINST TARGETED VICTIMS OF IDENTITY THEFT UNDER VERIFIED DOMESTIC VIOLENCE AND FINANCIAL ABUSE CRIMES YOU AND YOUR FINANCIAL ORGANIZATION CAN NOT VIOLATE MY LAWFUL PROPERTY RIGHTS AND INJUNCTIONS OF PROTECTION UNDER FIDUCIARY DUTIES XXXX XXXX WAS GRANTED UNLAWFUL LOANS AS BORROWER WITHOUT ANY LAWFUL AUTHORITY TO DO SUCH. XXXX XXXX PROFESSED AND AUTHORED FICTITIOUS LOANS THAT HE WAS MARRIED TO XXXX XXXX UNDER AGGRAVATED IDENTITY THEFT. WE ARE DIVORCED UNDER DOMESTIC VIOLENCE AND FINANCIAL ABUSE SCHEMES AGAINST MY LAWFUL PROPERTY AND XXXX XXXX ADDICTIONS TO OPIATES AND SUBSTANCES VERIFIED THE GOVERNMENT OFFICES IN XXXX XXXX USE OPIATES FROR BRIBES AND FAVORABLE OUTCOMES OF FINANCIAL FRAUD CRIMES IF YOU ARE BEING INFLUENCED TO TAMPER WITH ORDERS, LET ME KNOW. THE ORDERS WERE GRANTED PER PROTECTIONS AND THE THREATS XXXX XXXX MADE PER OPIATE ADDICTIONS THAT WERE DETERMINED TO BE TREATED BY LAWFUL AND CRIMINAL COURT ORDERS FOR DOMESTIC VIOLENCE, AND FINANCIAL PROTECTION XXXX XXXX HAS ORDERED UNDER PROTECTIVE INJUNCTIONS AND PROTECTIVE ORDERS FROM ARREST IN THE YEAR XXXX AND HE WAS REPEATEDLY ORDERED INJUNCTIONS TO STAY AWAY FROM PROPERTY BUT USED BANKRUPTCY FRAUD SCHEMES AND EQUITY SKIMMING SCHEMES WITH LICENSED ATTORNEYS AND GOVERNMENT OFFICES, GOVERNMENT OFFICIALS AND GOVERNMENT EMPLOYEES XXXX XXXX HAS BEEN IN WILLFUL VIOLATIONS WITH XXXX XXXX AND TAMPERING WITH WITNESSES, OBSTRUCTION OF JUSTICE AND VIOLATIONS REGARDING LAWFUL ORDERS IS RACKETEERING XXXX XXXX AND XXXX XXXX MISREPRESENTATION IS UNLAWFUL AFTER DISCOVERY OF EVIDENCE AND TAMPERING WITH EVIDENCE FOR GAIN AND BENEFIT IS UNLAWFUL ORGANIZATIONAL RACKETEERING UNDER FINANCIAL CRIMES AND THE CONSCIOUS AGGRAVATED MISCONDUCT, FRAUD AGGRAVATED IDENTITY THEFT CRIMES ON MY LAWFUL PROPERTY PROTECTIVE ORDERS/ INJUNCTIONS ORDERED XXXX XXXX XXXX STAY AWAY FROM PROPERTY AND NO LAWFUL POSSESSION OF PROPERTY PER INJUNCTIONS TO PROTECT PROPERTY LAWFULLY 1. THE BORROWER HAS NO AUTHORITY, POSSESSION OR LEGAL RIGHTS TO THE PROPERTY PER FINAL ORDER JUDGMENT XXXX. 2. THE BORROWER HAS COMMITTED AGGRAVATED IDENTITY THEFT, WITH GOVERNMENT EMPLOYEES, LICENSED ATTORNEYS AND EMPLOYEES OF XXXXXXXX XXXX TO LOANS THAT EXCEED OVER {$350000.00} 3. XXXXXXXX XXXX AND SUBSIDIARIES HAVE OPENED AND MAINTAINED LOANS AND FICTITIOUS PROPERTY LOANS AGAINST MY PROPERTY FICTITIOUSLY 4. XXXXXXXX XXXX AND SUBSIDIARIES HAVE BEEN FINED FOR TITLE THEFTS AND SUBSTANTIATED AGGRAVATED IDENTITY THEFT BANK PROPERTY CRIMES. 5. DUE TO THE MAGNITUDE OF GOVERNMENT CORRUPTION, LICENSED ATTORNEYS, BANKRUPTCY FRAUD SCHEMES, I REPORTED EACH PARTY TO CFPB.

RUSHMORE LOAN MANAGEMENT SERVICES LLC

FL

32708

Consent provided

Web

2023-03-02

Closed with explanation

Yes

2021-07-20

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are alleged collections on my report that i do not recognize. I demand removal of these accounts pusuant to section 623 of fcra.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NY

10016

Consent provided

Web

2021-07-20

Closed with explanation

Yes

2022-08-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NY

11219

Consent provided

Web

2022-08-08

Closed with explanation

Yes

2022-10-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

EQUIFAX, INC.

TX

77019

Consent provided

Web

2022-10-07

Closed with explanation

Yes

2023-03-29

Vehicle loan or lease

Loan

Getting a loan or lease

Fraudulent loan

On XXXX XXXX the salesman assisted me with the purchase of XXXX XXXX XXXX at Exter Finance and/or XXXX intentionally withheld pertinent information to complete the sales. There are many fees within the given finance charge that are a violation of 15 USC 1605. Exter Finance and/or XXXX falsely and illegally obtained XXXX. I sent letters to both companies on XX/XX/XXXX disputing but have not heard back as of yet.

Exeter Finance Corp.

NJ

07106

Consent provided

Web

2023-03-29

Closed with explanation

Yes

2022-08-09

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from DT Credit on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called XXXX, the rep there suggested I reach out to CFPB and file a complaint.

DriveTime

FL

32209

Consent provided

Web

2022-08-09

Closed with explanation

Yes

2023-08-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have hard inquiries on my report that I do not recognize, are affecting me financially & I do not & have not give written consent for these hard inquiries to be on my credit reports pursuant to 15 U.S.C. 1681 section 602 A and 15 U.S.C. 1681 section 604 A - Section 2. XXXX XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023 XXXX XXXX XXXX Hard Inquiry date : XX/XX/2023

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

90805

Consent provided

Web

2023-08-17

Closed with explanation

Yes

2022-05-23

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

criminal record was added to my credit report and has violated my rights. XX/XX/2022 this is in accurate 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

EQUIFAX, INC.

TX

775XX

Consent provided

Web

2022-05-23

Closed with explanation

Yes

2017-08-27

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

I have a credit card with Huntington National Bank that was recently purchased from XXXX XXXX XXXX. During that transition, there were charges and payments made on that account which were not made by me running the total up to {$58000.00}. I disputed these charges with Huntington and 3 days later they sent me a letter saying they could not verify those were not made by me. I asked them to be re-investugsted which they refused. Now I have a balance of XXXX on a credit card that the limit was XXXX and they are reporting me 90 days behind on payments. I have attempted to get statements from them but they have restricted my online access so I can not see the statements or what was charged. This is ruining my credit. This account was open for almost 2 years with no issues and Hintingting takes over and now there are issues. They told me that there are payments made online through a XXXX account that were returned, I have never had a XXXX checking account. I want those charges removed from my account that were not made by me and my payment status updated.

HUNTINGTON NATIONAL BANK, THE

OH

444XX

Consent provided

Web

2017-08-27

Closed with explanation

Yes

2023-04-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

I have mailed a letter to have my private information corrected and all that is not listed needs to be removed as it is in incorrect. I read in the consumer credit law it states that it's against the law to report inaccurate information.

EQUIFAX, INC.

TX

77802

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2016-05-27

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Not given enough info to verify debt

I disputed this account, requesting proof of the debt. They failed to provide such proof and contine to report to the credit agency.

Crosstown Law, LLC

FL

33461

Consent provided

Web

2016-05-27

Untimely response

No

No

2015-08-30

Debt collection

Other (i.e. phone, health club, etc.)

Disclosure verification of debt

Right to dispute notice not received

Gulf Coast is inaccurately and unjustly reporting a debt of XXXX dollars on my credit files. I have never received validation of this debt, or anything proving ownership or I am responsible for payment of this debt. Furthermore, based on the dates reporting on my credit files, if, this debt is mine it would have been re-aged. Re-aging is a violation of my consumer rights and FCRA. This is a common practice by collection agencies to maximize collection time.

Company believes it acted appropriately as authorized by contract or law

GULF COAST COLLECTION BUREAU, INC.

GA

310XX

Consent provided

Web

2015-08-30

Closed with explanation

Yes

Yes

2023-05-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

I'm having difficulty when I contact the XXXX XXXX at ( XXXX ) XXXX to rectify the situation which is in error by submitting the court report and fact statement. I also had contact the Experian credit report company. I uploaded the information to their site and sent the information via register mail on XXXX to recover solutions agency as Experian demands it in order to resolve the issue on my credit report The Experian will say I should contact collection agency ( which they don't responded ) and I can't get straight answer from Experian after uploading the court report paper. I called XXXX since they indicate my dispute result is not available on line and I must call them to this number, but its no way you reach any one life to resolve your issue in Experian or the collection agency after sending all the information requested, via mail or phone.

Experian Information Solutions Inc.

TX

77077

Consent provided

Web

2023-05-30

Closed with non-monetary relief

Yes

2018-02-15

Vehicle loan or lease

Loan

Incorrect information on your report

Account information incorrect

My account with Capital One Auto has had many late payments reported to the credit bureaus even after I paid the payments to them. Their system had some problems processing my payments so after I paid the payment they never took out the funds and then never notified me the payment did not go through even though I had the money for the payment. I have many many, many calls to them complaining about this problem which they never had a solution for or any action taken. They said it was my bank but I have never had any problems with any other company including a credit card I have with the same XXXX XXXX XXXX. This problem has ruined my credit. I would like the late payments removed from my credit report on all three credit bureaus. I do not have any late payments with any of my other creditors and have never had this problem with any other bills I have paid.

CAPITAL ONE FINANCIAL CORPORATION

CA

95608

Servicemember

Consent provided

Web

2018-02-15

Closed with explanation

Yes

2023-07-22

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

On or about XX/XX/XXXX, upon checking my credit report I discovered that I had become a victim of Identity theft. I hired movers to move my belongings into my new home and upon packing realized that the file box containing all of my identifying information as well as the documents for my children had been stolen. My data was also leaked in the Equifax Security Breech as well as the XXXX XXXX data breech. I have reached out to the companies as well as credit reporting agencies who advised me that I needed to file police reports which I have done yet the fraudulent accounts are still reporting on my reports. I sent letters disputing inaccurate reporting per consumer laws, As a victim of identity theft, I understand the importance of accurate and fair credit reporting practices, as well as the protections granted to me under the FCRA. According to USC 1681b, credit reporting agencies are required to have a permissible purpose for obtaining and disclosing consumer credit information. In the case of identity theft, reporting bankruptcy information resulting from the theft violates the permissible purpose requirements. This has been an ongoing issue as I am continually noticing account after account showing on my credit reports. There were XXXX XXXX filed in XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, multiple auto loans opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX as well as multiple credit cards with XXXX XXXX XXXX which is listed as a charge off, Multiple self lender accounts XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX. These accounts among others and they have refused to take any action as it pertains to a resolution. The only action taken was adding a fraud victim alert to my profile. I sent them a letter stating, Under 15 U.S. Code 1681c-2, if a consumer has been a victim of identity theft and provides the credit reporting agency with a valid identity theft report, the agency must block the reporting of any information that is the result of identity theft. The blocked information will not be included in the consumer 's credit report or disclosed to third parties. I submitted ID theft reports on XX/XX/XXXX as well as XX/XX/XXXX. I was sent stall letters from the bureaus stating that I may have sent the letters in error and also stall letters stating that I need to provide Identifying documentation in order for them to proceed with any action. I sent copies of my Drivers license, a piece of mail as well as a copy of my XXXX XXXX. I have been victimized my the identity thieves as well as the credit reporting agencies at this point since they have been notified of fraudulent activity and fail to report accurate information.

EQUIFAX, INC.

AZ

85326

Consent provided

Web

2023-07-22

Closed with non-monetary relief

Yes

2023-06-29

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

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant mental and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs. I have attached a copy of the letter I previously sent for your reference.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60419

Consent provided

Web

2023-06-29

Closed with non-monetary relief

Yes

2023-05-25

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

The bank closed my account because I complain about their services and withheld my remaining balance of $ XXXX as this time they have not return my money it is the law that when the bank close the account they have 60 days to return my money and it is now over 7 months?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

CITIBANK, N.A.

CA

93307

Consent provided

Web

2023-05-25

Closed with explanation

Yes

2019-07-19

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt is not yours

I try everything in my power to result this issue I call I send dispute out to let them know that me personally I have never open this account and for them to come tell me that this account is accurate when I know its fraud at this time Im willing to do what ever and take the extra step to get this account removed of my report because its not accurate and fraudulent

NCC Business Services, Inc.

FL

32836

Consent provided

Web

2019-07-19

Closed with explanation

Yes

2022-08-10

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

Im writing to Dispute a Billing Error in the full statement balance of {$3900.00}. Reasons as follows : Pursuant to 15 U.S.C 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( 1 ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should be removed from my consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 15 U.S. Code 1666d - Treatment of credit balances Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. 18 U.S. Code 8 - Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Im requesting a full refund. The obligation again has already been paid by the United States. Please send check to address on this letter. Sincerely, XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

DE

19709

Consent provided

Web

2022-08-10

Closed with explanation

Yes

2023-02-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

CA

90038

Consent provided

Web

2023-02-13

Closed with explanation

Yes

2022-08-26

Student loan

Private student loan

Struggling to repay your loan

Can't get other flexible options for repaying your loan

As a young man I attended a XXXX school for a semester ( XXXX XXXX XXXX XXXX, XXXX ). I got a private student loan with XXXX XXXX XXXX XXXX XXXX ( now ZuntaFi ) as advised by the financial aid councilor at the school. I had bad credit ; the councilor asked if I had a parent or grandparent that could co-sign ; I said " no ''. She asked if I had a friend with good credit who would consider co-signing ; I regretfully agreed to find such an individual. The individual who I talked into this dubious transaction, we will call him 'XXXX XXXX, NEVER had any intention of backing this loan. Although he signed it, there, in the office with his car-seated daughter on his lap, he stated that I ( as in me, not him ) better pay because, even though he had good credit, he would never be able to take on another bill. We all laughed, everyone in the office, even the baby. I said " my tax returns that year would pay it easy '' ; this did not turn out to be the case as I truly did not understand the long-term agreement that I had just laughed into. I then attended a single semester ; I did not earn any degree or certification from this school. I subsequently went to an accredited community college and earned my XXXX ' degree. I did take out several loans and utilized grants including the PELL grant. I treated all these loans in a similar manner. I wish I could say that they all stayed in good standing all these years ; but that would be untrue. They have all gone into default and I have worked to rehab them at one time or another ; that said, the private loan is the only one that has made my life XXXX. It is also the only on that has grown. From the original XXXX that was borrowed, the loan is now over XXXX. Over the years, I have paid roughly just over XXXX ; unfortunately, according to their accounting, which I am sure is impeccable, just over {$200.00} total of that XXXX has gone towards the principle. So, if by a miracle, I was able to pay off the loan tomorrow, according to numbers I verified with them today ( XX/XX/XXXX ), it would cost me the 'discounted " rate of XXXX ; so over XXXX return on a XXXX loan that they made to a financially poor kid with bad credit who conned his friend in to cosign with him. I don't dispute that this is probably legal, or was legal at the time, I don't honestly know ; I do argue that perhaps that XXXX kid years ago should have been turned down for that loan ; and it would have been for his own good- might have even sparked him to get into that accredited school a little sooner. My credit has been kept in the mid 500s from defaulting on this loan- I no longer have any other delinquent student loans- some have had payments reduced to XXXX, others have been reduced and/or differed. I don't know what kind of adverse effects this has had on XXXX 's credit, but I am sure it is not good. XXXX has not spoke to me because of this loan since XXXX. We are no longer friends ; I am pretty sure he would happily XXXX XXXX XXXX XXXX XXXX if you offered, and I really don't blame him. I can not be approved for a house or any other loan. I served honorably in the XXXX as an XXXX, yet I can utilize none of the VA sponsored credit programs. This debt has been a loadstone around my neck ; I can only imagine how many others are in similar shoes.

Company believes it acted appropriately as authorized by contract or law

ZuntaFi Corp

CO

806XX

Servicemember

Consent provided

Web

2022-08-26

Closed with explanation

Yes

2022-08-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

My prior complaint was put in on XX/XX/XXXX, the company responded on XX/XX/XXXX. As of today I still have not got this issue resolved. They are in violation of 15 U.S.C 1681, no permissible purpose. In my earlier complaint I sent a letter from the Bankruptcy court who does place bankruptcies on credit reports. Its been 40 days as of today and no response. According to the FCRA & FDCPA they have 30 days to respond.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NC

27609

Consent provided

Web

2022-08-29

Closed with explanation

Yes

2022-01-17

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

This company is violating the Fair Credit Reporting Act. According to the FCRA, a consumer report shall not contain information solely as to transactions or experiences between the consumer and the person making the report nor shall it show any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The following accounts and balances shall be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

NJ

082XX

Consent provided

Web

2022-01-17

Closed with explanation

Yes

2021-09-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

To whom it may concern, I am seeking help to whoever can help me with my credit problem, There are several items on my report that I dont know about and i want them cleared from my report. I already sent you the dispute letter over thirty days ago but you still havent responded to me and i think that is not right. Please delete those negative items so i dont have to spend for taking legal action. TY

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30127

Consent provided

Web

2021-09-13

Closed with explanation

Yes

2019-03-11

Debt collection

Other debt

Written notification about debt

Notification didn't disclose it was an attempt to collect a debt

This is a past due amount from XXXX XXXX in NC. I paid this off directly to XXXX and started new service with them and currently have service with them.I had no knowledge of this account being reported to a collection agency until I reviewed my credit report. After speaking with XXXX the representative said they do not report to collection agencies. I told them it is on my credit report from Helvey & Associates. This is unfair that an electric company can collect funds and send to a collection agency but NOT advise the consumer its with a collection agency. The collection agency has not responded to any of my calls and the credit bureaus are not removing the paid collection I had NO knowledge.

Company believes it acted appropriately as authorized by contract or law

Helvey & Associates, Inc., Warsaw, IN Branch

NC

28273

Consent provided

Web

2019-03-11

Closed with explanation

Yes

2021-12-09

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Sued you without properly notifying you of lawsuit

I had a XXXX XXXX credit card through XXXX Bank. In XXXX, there were charges that were made on my XXXXXXXX XXXX card, totaling approximately {$3800.00} that I did not authorize and was not aware of. I had contacted XXXX Bank several times on the issue and they stated that they would investigate the charges. They provided me with details on the charges, stating that the charges were placed using a register printed temporary card, that the purchases were for XXXX XXXX XXXX, and that the charges were done at different XXXX XXXX stores on each occasion. In XXXX, after months of being told that " they were looking into the charges '', I stopped paying on the account as I had now started to accrue massive amounts of interest on the account from the fraudulent charges that I had been disputing. XXXX Bank later charged off the account, while it was still in dispute, and sold the account to XXXX XXXX XXXX XXXX in XX/XX/XXXX. I contacted XXXX XXXX and spoke with XXXX, and when I explained the situation and that I had disputed fraudulent charges with XXXX Bank before the account was closed and sent to collections by XXXX Bank, I was told that the account would be marked as fraudulent charges placed, and it was then later removed from their systems. In XXXX of XXXX, XXXX Bank then sold the account to Portfolio Recovery. Portfolio recovery refused to answer any request to validate the debt, especially since it was sold to a prior collection agency whom removed the account from their database after explaining that there was fraudulent charges made on the account. Portfolio continued to mail me information, and when contacted back asking for validation of the debt, refused to send validation. After yet another attempt to dispute the account with the credit bureaus due to the fact that the account had fraudulent charges made on it, Portfolio sent back information stating that they had been awarded a judgement on the debt. The problem is that I was never served any paperwork on the judgement hearing at all, and never once knew about the hearing. Portfolio Recovery did not provide a copy of the summons as well in the documentation they mailed regarding the dispute, they only provided an " XXXX of XXXX '', dated on XX/XX/XXXX. Upon looking up the case information, the case was filed on XX/XX/XXXX and hearing date was XX/XX/XXXX. I never was served a summons by a process server or the sheriff 's office on this court case, and until I received this packet on XX/XX/XXXX, had not ever known that there was a judgement taken out. Portfolio did not however give a proper summons to the court case, so I was unable to represent myself and explain my side of the case. Instead, I have a judgement that was taken out against me for charges that I had disputed as fraudulent with XXXX Bank on the matter. Additionally, Portfolio is still attempting to collect a balance on a XXXX account that I have paid in full that I disputed the balance they are reporting to the credit bureaus. They mailed a packet that I also received on XX/XX/XXXX, that has a bill showing a {$22.00} balance dated XX/XX/XXXX, and a statement that was issued on XX/XX/XXXX, stating that the balance on the account was paid in full.

PORTFOLIO RECOVERY ASSOCIATES INC

VA

23513

Consent provided

Web

2021-12-09

Closed with explanation

Yes

2022-11-17

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

XXXX XXXX someone has used my information to purchase XXXX XXXX XXXX, and when I got a bill at my mail, immediately reported to the XXXX XXXX and they told me to not worry anout that may be was a mistake, but after that I did noticed that at my credit score there is a collection amount which was not mine. After that I did disputed that to the XXXX XXXX and XXXX credit companies! In XXXX the XXXX XXXX company did send me letter where its says that the collection item was removed from my credit history but XXXX didnt do anything In XXXX and even in XXXX! there is no live agent there to talk, phone calls are ignored through the automated system.And even more when you trying to google their phone number, its takes you to some law firms who advise you to fix it by money, and when you disagree to pay ( because its not you debt ) they finally asking if you want to connect to the XXXX live agent, and if you say yes they make a connection to XXXX live agent! The AWA collection company is the rudest in entire my experiences! they dont answer your questions, very disrespectful and nonprofesional, several times hanging phone on you, dont provide XXXX if asked and dont provide any information about the claim or proof! I think there both work together to try steal money from innocent identity theft cixtims

Adler Wallach & Associates, Inc.

CA

91606

Consent provided

Web

2022-11-17

Closed with explanation

Yes

2018-10-12

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

Hello CFPB, I, XXXX XXXX, am a victim of Id Theft at Paypal Inc. An account was created in my name using my email ID 'XXXX ' on XX/XX/XXXX siphoning off {$15000.00} from my XXXX XXXX XXXX Checking And Debit Card accounts . I filed a previous CFPB complaint against Paypal Inc. asking for return of lost money. XXXX XXXX XXXX eventually did chargebacks on the transactions to return the whole money of {$15000.00} back to my original XXXX XXXXXXXX XXXX Checking Account in XX/XX/XXXX and XX/XX/XXXX from the ID Theft Paypal Account 'XXXX ' with Account ID 'XXXX XXXX ' that possessed my money. The previous complaint against Paypal Inc. with CFPB is XXXX. On XX/XX/XXXX, Paypal Inc has informed me on my phone call to them that my account is still in Fraudulent state and is pending investigation for previous complaint # XXXX and associated XXXX complaint # XXXX. This is a Harassment complaint against the above ID Theft perpetrator who is the account owner of Paypal Account 'XXXXXXXX ' with Account ID 'XXXX XXXX ' . ID Theft perpetrator constantly texts my phone # XXXX asking for Release of Stolen Money back to the 'XXXX ' with usage of profane words. This has been an ongoing Harassment issue since XXXX of XXXX till now ( XX/XX/XXXX ). Paypal Inc. has to take legal action against the above ID Theft perpetrator account 'XXXX ' with Account ID 'XXXX XXXX ' ASAP so that I can protect myself from the said person 's threats against me and my family. XXXX XXXX Mobile # : XXXX Email ID : XXXX XXXX

Paypal Holdings, Inc

CA

94520

Consent provided

Web

2018-10-12

Closed with explanation

Yes

2017-05-10

Credit card or prepaid card

Store credit card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

Gentlemen, In attempt to find out what has been affecting my credit score fo r 2 years exactly I 've come to discover a shady Adverse account used against me. SYNCB/OLDNAVYDC is found to be behind the adverse informations. Actually I can recall that I received a letter from Old Navy, XXXX XXXX , Connecticut claiming some payment over some credit Card that I 've never applied for and that I have never received either. And right upon the scene I called the number provided and rejected all ties and all claims related to that creepy credit card ... I also asked them to cancel anything they might have regarding my address and my personal informations and since then I never heard anything from old navy Until I come to discover the report made against me. I was 2 times in the store and paid cash whatever I bought and I remember They asked me if I wanted to file for the store reviews and I only gave them my email and names 2 years ago. I do n't accept store credit card offers and I 've never applied for any type of store credit card which I do n't need. Please look into this and bring me justice. Thank you! Thank you

Company has responded to the consumer and the CFPB and chooses not to provide a public response

SYNCHRONY FINANCIAL

CT

06053

Consent provided

Web

2017-05-15

Closed with explanation

Yes

2022-09-03

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Was not notified of investigation status or results

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

EQUIFAX, INC.

NC

28269

Consent provided

Web

2022-09-03

Closed with explanation

Yes

2023-08-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I received my credit report on XX/XX/XXXX and Notice there we're hard inquiries are Hurting me from getting approved for loans and cars. I've already reached out to the following credit bureaus and they keep violating my rights under 15 USC 1681B. I also attached the XXXX Inquiries that does not have any purpose on my credit.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

WI

53218

Consent provided

Web

2023-08-01

Closed with explanation

Yes

2021-06-29

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

They didnt accurately answer my request about validating this debt they claimed I had with the them. They sent me a simple bill that anyone can create at their house so of course in todays day and age I will question it. I asked for proof, anything they had bearing my signature. They couldnt provide anything. They couldnt provide any proof that they even owned this debt they claimed I owed them. They re-aged the Date of last activity with the bureaus so that my account would take longer to fall off. I checked my credit report today and realized they havent even noted that the account is in dispute. I feel as if I am in a corner with no other options left.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

I.C. System, Inc.

NY

14226

Consent provided

Web

2021-06-29

Closed with explanation

Yes

2022-02-08

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

These can be combined 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!

EQUIFAX, INC.

NC

XXXXX

Consent provided

Web

2022-02-08

Closed with explanation

Yes

2022-09-10

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Credit monitoring or identity theft protection services

Billing dispute for services

Account at XXXX 's opened in XX/XX/XXXX The account was charged and used without the actual credit card being swiped as I was tolf it was used inside the store by pulling up account number, and without me knowing the account went into delinquency and later on into collection, the account started being in collection back in XX/XX/XXXX and it is till this day showing my credit report hurting me without any way to remove this fraudulent report from my report

ENCORE CAPITAL GROUP INC.

TN

37075

Consent provided

Web

2022-09-10

Closed with explanation

Yes

2023-08-28

Credit card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Credit card company isn't resolving a dispute about a purchase on your statement

Late XX/XX/, I disputed the transaction with the company in regards to XXXX XXXX XXXX XXXX XXXX billed on XX/XX/2023 for {$350.00}. The company provided a temporary credit. On XX/XX/XXXX, the company provided a letter stating they reversed the transaction because of lack of " proof of cancellation ''. I submitted a response on XX/XX/XXXX stating the merchant " terminated '' the service with bogus reason hence no cancellation from my side was needed. On XX/XX/XXXX, I submitted the response again stating 1 ), the merchant breached the contract first thus no cancellation obligation is needed from me 2 ), the specific details why the merchant breached the contract. Capital One denied my claim immediately on the ground of " lack of requested documents ''. I called in to confirm the requested documents again, after 4 representatives, they confirmed with me 1 ), purchase agreement or invoice ; 2 ), proof of cancellation ; 3 ), terms and conditions ; 4 ), refund voucher or not ; 5 ), description on what happened. I explained to the rep that 1 ), I was never provided a purchase agreement or sales receipt, that's the fact from the initial filling ; 2 ), the merchant refused to provide service and breached the contract hence no cancellation needed from me ; 3 ), I have already provided a copy of the terms and conditions ; 4 ), I have already provided a description on what happened and details. 5 ), the merchant refused to provide a refund. Capital one refused to dispute this transaction on the ground of lack of sales invoice or purchase agreement. The reason is that because the merchant refused to provide me with those documents upon three attempts.

CAPITAL ONE FINANCIAL CORPORATION

CA

90028

Consent provided

Web

2023-08-28

Closed with explanation

Yes

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

Their investigation did not fix an error on your report

At the start of the pandemic in 2020, I was laid off and unable to make credit card payments, car notes, rent, etc. I also contracted covid and tested positive. I reached out to the company a few months ago, alerting them of my situation about how Ive had my account for many years and never missed a payment up to this date except for the missed payments at the pandemic 's beginning. Once I recovered, I paid all my debts and stayed on top of my bills. Its coming up on two years of on-time payments. I contacted the company asking if they could remove the late payments from my credit report because they happened a few months before the company offered the option to defer payments They said no. That is the only reason I was able not to miss any more payments was because of that option until I recovered and found work and paid my debt in full.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BARCLAYS BANK DELAWARE

CA

90019

Consent provided

Web

2022-04-26

Closed with explanation

Yes

2023-07-16

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

Card was charged for something you did not purchase with the card

I reached out to chime to file a dispute in reference to someone stealing all of my identity. I reached out to the police and Chime on XX/XX/2023 offered police incident report and 45 min later chime said they have concluded their investigation and that no error occurred. I dont have money to give away or throw away. I also emailed them and said I would like another investigation ( rebuttal ) and contacted the XXXX. Please help me

Chime Financial Inc

PA

19154

Servicemember

Consent provided

Web

2023-07-16

Closed with explanation

Yes

2020-07-07

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

The Free XXXX XXXX XXXX order telephone number ( XXXX ) should have a record of my call to order my free credit report from all three agencies on XX/XX/XXXX. Although XXXX and XXXX did send me my credit reports with that date, TransUnion did not. Instead of sending me my free annual credit report in compliance with federal law, TransUnion sent me a letter dated XX/XX/XXXX ; that falsely claims that their records show that they have already provided me my free credit report within the past year. My records and the XXXX, telephone number records show that my last order for a TransUnion credit report was on XX/XX/XXXX ; and they sent me my free annual credit report printed on XX/XX/XXXX. XXXX promised to mail me my credit report during my phone call to TransUnion 's telephone number at XXXX XXXX XXXX XXXX to resolve this issue with the company on XX/XX/XXXX. Unfortunately, TransUnion never sent me my free annual credit report. If TransUnion claims that my access to their credit report was made through the internet, please have them permanently shut off internet access to identity thieves who fraudulently order my free annual credit report. Please force TransUnion to immediately send me my free annual credit report in compliance with federal law. Please also issue a rule that credit agencies may not claim to have already sent a free annual credit report if the Free XXXX XXXX XXXX order telephone number ( XXXX ) shows an order date more than one year old. Perhaps credit agencies send the letter falsely claiming to have already provided a free report to fraudulently charge consumers money for a credit report in violation of federal law that says it should be free.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

XXXXX

Older American

Consent provided

Web

2020-07-07

Closed with explanation

Yes

2023-04-18

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXXXXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

150XX

Consent provided

Web

2023-04-18

Closed with non-monetary relief

Yes

2022-05-30

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the Fair Credit Reporting act 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.C.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

MA

02149

Consent provided

Web

2022-05-30

Closed with explanation

Yes

2017-07-25

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Public record information inaccurate

In XX/XX/XXXX we were struggling to pay our mortgage due to loss of income. I tried to work something out with the credit union ( such as lower payments ) to no avail. In early XX/XX/XXXX we were offered to settle with the XXXX XXXX XXXX XXXX, XXXX, ME by forfeiting the home as " deed in lieu of foreclosure ''. We decided to do this because the legal representative from XXXX XXXX XXXX XXXX, XXXX, XXXX advised us that it would " look better on the credit report '' to have deed in lieu vs. foreclosure. On the credit report it clearly states " foreclosure '' and not DIL. I have tried on several occasions to get this changed on my credit report, even engaging a credit repair company to correct. The credit union states that it is not their fault that the credit bureaus are showing foreclosure and that it is because that is the only term they use for home surrender. Another problem is that when I contacted XXXX XXXX, XXXX, they stated that the " foreclosure '' happened in XX/XX/XXXX. The house was re-sold and occupied in the first week of XX/XX/XXXX so this is not even possible. Also, the representative from XXXX XXXX XXXX XXXX stated that entering into DIL would be put back to the original surrender date of XX/XX/XXXX by us agreeing to the surrender. After reading your webpage regarding foreclosure and DIL, I have the distinct impression that there should be a difference in how this is noted on my credit report. Can someone please help me get a straight answer from these corporate agencies and get my credit report to reflect what actually occurred and when?

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

ME

040XX

Older American

Consent provided

Web

2017-07-25

Closed with explanation

Yes

2023-04-28

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 victim of Identity theft. Please delete those hard inquiries off my credit report! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

34113

Consent provided

Web

2023-04-28

Closed with explanation

Yes

2021-04-27

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 second message already and I still can not get rid of fake accounts in my profile. Why do I have them still if I filed Identity theft and proved that these accounts are not mine and that somebody just used my personal information? These fraud accounts are killing my report! What else do I need to do in order to make you remove them from my profile. Why Do I have to have this misleading information in my credit report for so long????? Please get my point and take appropriate actions ASAP

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33150

Consent provided

Web

2021-04-27

Closed with explanation

Yes

2019-04-01

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

Experian was sent a letter dated on XX/XX/XXXX to remove and delete the following account from my credit report. Original Creditor : XXXX XXXX XXXX, Original Account Number : XXXX Opened : XX/XX/XXXX XXXX Account Number : XXXX Current Owner : XXXX XXXX XXXX This account was a charge-off reported on XX/XX/XXXX. Experian completed a investigation on XX/XX/XXXX instead of deleting this account as requested, Experian added a 2nd charge-off to this account on XX/XX/XXXX. This is inaccurate representation of personal financial information by Experian. It's inaccurate to have two charge-offs on the same account when this account has been deleted from the owner of the account who is XXXX XXXX. This account was charge-off and sold to XXXX XXXX on XX/XX/XXXX. Please see the attached letter from XXXX XXXX dated on XX/XX/XXXX deleting this account from my credit report from all 3 credit agencies.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

OR

97230

Consent provided

Web

2019-04-01

Closed with non-monetary relief

Yes

2023-02-24

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

PA

19608

Consent provided

Web

2023-02-24

Closed with explanation

Yes

2022-10-26

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

This is XXXX XXXX submitting yet another CFPB complaint today regading the Credit Reporting Agencies. I am appalled by the lack of responsibility on the Credi Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please correct the following accounts : XXXX XXXX XXXX XXXX, MO XXXX- Please remove this inaccurate and outdated address as soon as possible. XXXX XXXX XXXX XXXX, MO XXXX- This is not my home address neither did I ever currently received mail to this address. Please verify and remove immediately. XXXX XXXX Balance : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account USDOE/XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. USDOE/XXXX XXXX Balance : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. XXXX XXXX Balance : {$0.00} - This account is not charged to me. My record shows that this account was paid as agreed and Balance is XXXX. Please delete this account immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

630XX

Consent provided

Web

2022-10-26

Closed with non-monetary relief

Yes

2020-10-07

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

Atlantic recovery solutions contacted me via phone on XX/XX/XXXX indicating they needed to speak to me or my legal counsel. I called them back same day and the man I spoke to was condescending, rude and was of no help. I then received a text from them on XXXX asking me to call a different phone number and provided a case # to reference. Again I called, the man didnt provide his name, took him 3 times to tell me the debt amount and then after several minutes of back and forth I agreed to a $ XXXX/month payment to stop the harassment and threat of legal action with the promise that they would email me all of the documentation that evening. I received no such email. After multiple emails and another phone call I finally receive an email with an attachment that has someone elses name and information on it! After receiving this email with someone in Floridas information I contacted my bank to cancel my card to stop this payment. This leaves a lot of anxiety about the security of my information.

Atlantic Recovery Solutions LLC

NC

273XX

Consent provided

Web

2020-10-07

Closed with explanation

Yes

2023-02-06

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

01841

Consent provided

Web

2023-02-06

Closed with non-monetary relief

Yes

2022-08-14

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Application denied

APPLICATION ID : XXXX On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. I have attached links to congressional law for reference. https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

CA

90046

Consent provided

Web

2022-08-14

Closed with explanation

Yes

2022-12-09

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

Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Bridgecrest Acceptance Corporation

CA

92084

Consent provided

Web

2022-12-09

Closed with explanation

Yes

2022-10-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Personal information incorrect

These accounts are old and need to removed from my credit report

Spring Oaks Capital, LLC

MI

48234

Consent provided

Web

2022-10-29

Closed with explanation

No

2022-04-19

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I made a larger payment against a bank of america mastercard from my bank of america checking account on Friday XX/XX/XXXX for {$1100.00}. Leaving Tuesday on a trip. No where on the bank website does it state that the payment will be held for 7 days. I am leaving on a trip on XX/XX/XXXX and was told today after waiting on hold for 47 minutes on their customer service line that there was nothing the manager could do to release the hold. The irony is that this is also a secure credit card with a savings account to back it. The manager gave no explanation of why 7 days. After all it was drafted from a bank of America checking account and posted against the available balance on XX/XX/XXXX. I am now being told that the funds are being held until Friday XX/XX/XXXX. The bank is illegally holding my funds to earn interest without explanation. I want the funds released immediately.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

BANK OF AMERICA, NATIONAL ASSOCIATION

WA

98033

Consent provided

Web

2022-04-19

Closed with monetary relief

Yes

2017-01-23

Student loan

Federal student loan servicing

Dealing with my lender or servicer

Received bad information about my loan

I had filed for deferment on my loan i was asked to place in forbearance until the deferment went through. I was told it was good for 2 years only to find out that i had to renew after a year. I sent all the paperwork back in and never heard anything back i was receiving statement showing payment amount {$0.00} untill a week or so ago i got a letter ststing it was past due and I owed {$280.00} payment due. I went online to see what was going on my loan is no longer in deferment i resubmitted. Then I called navient to see if i needed to do anything else they then instructed me to place in forbearance until deferment is approved. I was hesitant and asked isnt that what the lawsuit is about. She told me it would be delinquent if i didnt place in forberance and my deferment would be denied if i did n't. So i told her ok and did the forbearance for 1 month. I then checked my credit report and it shows my loan from XXXX XXXX was charged off deliquent for both loans even though i consolidated a couple years ago as instructed by navient when they took over because it would be easier for me. not that it was in deferment. I tried finding my documents on their website but i csnt find anything i submitted i dont have hard copies i signed and returned all document 's sent to me. They had my old address on file even though the past 2 years ive been receiving information at my current address. I trusted them i assumed because it was a federal student loan with department of education it was a government agency. I did n't think they would stear me wrong. Over the years ive had {$520.00} added in interest when i though it was in deferment for economic hardship. Also when looking at my email i was sent 20+ emails from navient asking me to reply yes to email to place loan im forberance. I went to XXXX school not i guess they are called XXXX

Navient Solutions, LLC.

ME

042XX

Consent provided

Web

2017-01-26

Closed with explanation

Yes

No

2023-01-14

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I AM SUBMITTING A COMPLAINT REGARDING MY XXXX XXXX XXXX XXXX ACCOUNT WITH A XXXX LATE PAYMENT REPORTING. I DO NOT RECALL BEING LATE AS MY PAYMENTS ARE MADE ON TIME AND ACCORDING TO MY RESEARCH ON LATE PAYMENTS, DUE TO COVID 19 & THE HEROS ACT LAW, THESE XXXX LATE PAYMENTS SHOULD HAVE NOT BEEN REPORTS AND I ASK THAT THEY BE REMOVED EXPEDITIOUSLY. THE XXXX LATE PAYMENTS ARE FOR XX/XX/2022, XX/XX/2022 AND XX/XX/2022. I RECEIVED ACCOMMODATIONS BECAUSE OF THE ERRORS AND SINCE I HAVE BEEN GIVEN ACCOMMODATIONS THAT TOO IS A REASON THESE FALSE LATE PAYMENTS SHOULD BE REMOVED. THIS IS DAMAGING MY CREDIT REPUTATION AND I AM BEING DENIED CREDIT BECAUSE OF THESE MISTAKES.

EQUIFAX, INC.

OH

45424

Consent provided

Web

2023-01-14

Closed with explanation

Yes

2022-04-07

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

This company National Revovery Agency is trying to collect a debt that they claim that I oue them in the amount of XXXX and are reporting such debt to my credit reports, also the debt they they say I oue them is not legally collectible because the statute of limitations on this claimed debt has expired in my state of Florida, I called them and spoke with them back in XXXX and they told me that they can still collect on this so called debt I oue them and report it still on my credit reports even past the legal statute of limitation for collection efforts I dont know this company and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy. And according to 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, Ive never given them consent to that nor have I ever done business with this company

Company has responded to the consumer and the CFPB and chooses not to provide a public response

NRA Group, LLC

FL

34787

Consent provided

Web

2022-04-07

Closed with explanation

Yes

2020-05-04

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 ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) I have never missed a scheduled monthly payment on this account. I have attached bank statements from XXXX and XXXX reflecting each timely monthly payment for reference. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

TX

77018

Consent provided

Web

2020-05-04

Closed with explanation

Yes

2023-07-13

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Account status incorrect

I took out a loan with this company on XX/XX/2022 because I was behind on several bills following a job loss along with the denial of unemployment benefits and lack of financial support. I was terminated from my full-time job in XXXX of XXXX without unemployment benefits and financial support once again. This situation resulted in my eviction along with the loss of my vehicle and I had to go on medical leave from a part-time job position which was NOT PAID causing me to fall further behind on bills. In addition, I was homeless living in shelters upon availability, motels with vouchers provided, the streets and abandoned properties which has been on-going for almost a year. I have been XXXX on, XXXX, almost XXXX and attempted XXXX multiple times, I have been trying to get back on my feet since which has been hard due to my former employers blacklisting me from the job field I have a degree in and I had to complain SEVERAL times for them to accept a payment plan in which I am making the final payment UPON THEIR ACKNOWLEDGEMENT & SIGNATURE of the attached contract. I will provide additional documentation upon request and thank you for your attention and understanding regarding this matter.

EQUIFAX, INC.

FL

33009

Consent provided

Web

2023-07-13

Closed with non-monetary relief

Yes

2022-04-27

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Problem with a credit reporting company's investigation into an existing problem

Their investigation did not fix an error on your report

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

EQUIFAX, INC.

FL

34221

Consent provided

Web

2022-04-27

Closed with explanation

Yes

2022-05-18

Vehicle loan or lease

Loan

Managing the loan or lease

Billing problem

in Late XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX, I was unemployed in XXXX and XX/XX/XXXX, and I was out of the country for XXXX XXXX XXXX. This is the reason I wasn't able to make the payment on time. As seen in my credit report record, I haven't had any other, more than 30 days, late payment on my account and it is currently up to date. I have tried to contact Wells Fargo and explained to them that due to COVID and my financial situation remove and fix the late payment due to the above situations without receiving any type of help from their end. ( COVID relief ) Currently, I am financially stable and this is affecting a lot of my credit report, therefore, affecting my credit situation severely.

Company has responded to the consumer and the CFPB and chooses not to provide a public response

WELLS FARGO & COMPANY

GA

30318

Consent provided

Web

2022-05-18

Closed with explanation

Yes

2018-01-03

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I currently work at the XXXX XXXX XXXX XXXX and have about $ 70k in debt from the XXXX I competed at XXXX.I 'm dealing with the XXXX XXXX regarding Public Service Loan Forgiveness and have run into a lot of inefficiency and confusion.I had been putting off filling out the PSLF Certification Form with the good faith that my organization and loan payment plans were eligible per the program stipulations. The provided information makes the program seem very straightforward and implies that the certification form is n't really needed until you switch jobs. As I had n't planned to leave my organization ; I did n't fill out the form for over 3 years while I made monthly payments. As soon as there was some discussion about cutting the program, I decided to get my ducks in a row before that happened, should the program be reinstated at a later time. The first response I received indicated that XXXX was not an eligible organization. This was a huge shock as XXXX is a XXXX year old XXXX well-respected XXXX XXXX XXXX. My HR director assured me that other employees had received confirmations that XXXX is indeed eligible and that this must have been some sort of clerical error. Indeed it was, as I resubmitted the the certification form with the same information as the first form, but received a response that XXXX is indeed eligible. I was then informed that I had only made one eligible loan payment in almost 4 years of regular payments. I have been trying to rectify this for months as I applied for an eligible repayment plan and when I was put on that new repayment plan, XXXX in no way indicated that the kind of plan was different from what I had applied for. I had one phone call with a customer service rep where she supposedly put a " tracker '' on my account to review my previous payments and that this process may take a few months. I believe this was some sort of stalling technique.I called XXXX again and was told there was no way to review previous payments and that I would have to restart a new payment plan now. This would put me almost 4 years behind schedule for loan forgiveness.

AES/PHEAA

NJ

076XX

Consent provided

Web

2018-01-03

Closed with explanation

Yes

2023-03-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

35126

Consent provided

Web

2023-03-29

Closed with non-monetary relief

Yes

2023-06-29

Credit reporting, credit repair services, or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

I asked the credit bureaus to verify my credit and they stated that everything was accurate. However, it is not. I did a thorough search myself and found inaccuracies on my credit report even after they did their careful research. 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 : XXXX I also my name and addresses are not correct on any of the credit reports. My name and address are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My work name is also incorrect. My correct work name and address is listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX

Company has responded to the consumer and the CFPB and chooses not to provide a public response

Experian Information Solutions Inc.

GA

30106

Consent provided

Web

2023-06-29

Closed with explanation

Yes