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2023-02-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Originally I tried to dispute with the credit bureaus and Capital One late payments on my Capital One accounts for XX/XX/XXXX due to the fact my dad died in Texas and I live in Kentucky. Also, my dads truck was missing, and it took me three months to locate it. I want to be very clear my personal information was never in that truck and my identity was NEVER compromised. I also want to point out that my daughter also died, so her and my dad 's deaths were less than a year apart from each other. The late payments in XX/XX/XXXX are preventing me from getting a HELOC, which I need to consolidate my own small debt and prevent my dad 's land in Texas from being foreclosed on.
I just wanted to file a dispute to have Capital One remove the 30 day late payments from that time period. I feel my circumstances were extenuating. I was daily having to speak to multiple police depts, ambulatory services, hospitals, Crimes Against Persons, etc. There was also an investigation into my dad 's death by the coroner who determined it was an accidentally fall and not foul play. Anyways. XX/XX/XXXX was very stressful for me and I've had an otherwise great paymeny history. I've been a customer of Capital One since XXXX and have never disputed anything, asked for an exception, filed a dispute or anything. My accounts have been current for over a year.
So I sent Capital One, XXXX, XXXX, and XXXX all my supporting evidence of my dispute and a XXXX page letter detailing my dispute and asking for a little grace just to have those late payments removed. I don't feel my request was unreasonable especially since people are still milking the XXXX cow and having things taken off their credit for that. I think my circumstances are a little bit worse than XXXX.
What happened instead : My dispute has been ignored by all XXXX credit bureaus and Capital One. All 3 credit bureaus responded by putting a 7 year fraud alert on my account, when my information was never compromised. When I spoke to XXXX they admitted fault and removed the alert. XXXX and XXXX have ignored my communications, and I have not heard a response from Capital One as of yet.
I would like you to investigate the issue and determine if what I originally disputed was reasonable under the Fair Credit Reporting Act, and if it is, communicate to Capital One and the credit bureaus the late payments from XXXX and XX/XX/XXXX should be removed. Further I would like you to counsel executives at each credit bureau when a fraud alert is appropriate. In my situation it was not. A parent 's stolen truck is not reason enough for an alert especially the only relevance it had was in regard to the dispute and my identity was never compromised.
I can not communicate this to these people because I've made multiple calls and sent correspondence by mail. I did not attach documentation since XXXX, XXXX, XXXX, and Capital One all recieved my dispute letters, dads death certificate, obituary, my daughters obituary, and the stolen truck report supporting my extenuating circumstances. | null | CAPITAL ONE FINANCIAL CORPORATION | KY | 42141 | null | Consent provided | Web | 2023-02-24 | Closed with non-monetary relief | Yes | null | 6,606,565 |
2023-09-04 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX reported to XXXX XXXX and Equifax that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from XXXX XXXX already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached. | null | EQUIFAX, INC. | NJ | 08088 | null | Consent provided | Web | 2023-09-04 | Closed with non-monetary relief | Yes | null | 7,499,207 |
2021-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Re : This is not a regular dispute. Take action immediately you are in violation.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
2. ) 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 | null | EQUIFAX, INC. | LA | 70592 | null | Consent provided | Web | 2021-06-21 | Closed with explanation | Yes | null | 4,477,847 |
2019-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card. | null | AES/PHEAA | IL | 60160 | null | Consent provided | Web | 2019-02-23 | Closed with explanation | Yes | null | 3,161,178 |
2022-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75068 | null | Consent provided | Web | 2022-05-01 | Closed with non-monetary relief | Yes | null | 5,522,039 |
2022-03-06 | 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 have filed a dispute regarding the incorrect items on my credit report.
1. The following late/missed payments are incorrect XXXX Account Number : **** XXXX 4 missed/late ( XXXX, XXXX ) XXXX 4 missed/late ( XXXX, XXXX ) XXXX 8 missed/late ( XXXX, XXXX ) Please remove them from my credit report.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 109XX | null | Consent provided | Web | 2022-03-06 | Closed with non-monetary relief | Yes | null | 5,290,775 |
2023-04-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MD | 21223 | null | Consent provided | Web | 2023-04-29 | Closed with non-monetary relief | Yes | null | 6,908,669 |
2022-09-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX, has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | MD | 21217 | null | Consent provided | Web | 2022-09-29 | Closed with explanation | Yes | null | 6,034,087 |
2022-08-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Credit Reporting Agencies have violated my Consumer Rights and have failed to report accurate, complete, and verifiable information.
I have contacted these agencies and have documented proof of inaccuracies that they have claim to be " verified '' and " accurate '' Attached is the current status of my complaint by which you will see that I have proven with documentations that the information is NOT being reported 100 % accurate. These accounts must be deleted and removed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30331 | null | Consent provided | Web | 2022-08-31 | Closed with non-monetary relief | Yes | null | 5,931,529 |
2018-03-06 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | XX/XX/2018 I receive this deposits in my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX USD Total XXXX USD Same day at nigth i check that in my banking online that i had a bank debit for XXXX USD value, so i called at the time and made a claim, so the customer service told me that i had a note in my account for the lost prevention department so i must call them the next day, they said that department had freeze the account and they had to ask me some questions before unfreeze it.
XX/XX/2018 First time in the morning i check the account again and i can see that XXXX XXXX were missing from my account and i called again very worried about the situation and customer service told me again that i had to call to Lost Prevention Department and ask them about that money. Finally i could made a call to them and their answer was that they had superiors orders to close my account for good with no explanations, that i had to look for another bank, they sent a letter 30 days ago to my billing address and i never get it because my home address is in XXXX and the mail service for USA - XXXX was down this new year, anyway ... after i ask them several times to understand me and help me they agree to give me back the XXXX XXXX they took that day but the XXXX XXXX from the day before they just told me to made a claim from customer service for that money.
XX/XX/2018 I made a claim for the XXXX XXXX XX/XX/2018 I call to ask about the XXXX XXXX claim and i had check for another fraud made to my account for XXXX XXXX, that was an unauthorizing payment from XXXX XXXX XXXX, 2 days before i get a similar one and after i made a claim they put an Stop Payment Order for that company but it didnt work, after 5 hours talking with several departemtns in Wells Fargo where all of them send me with Lost Prevention Department telling me that they had the money finally Lost Prevention Department told me about one client who did the deposit for the value of XXXX XXXX some time after he come back to the bank and showing the receipt and telling to the teller some XXXX excuse the teller withdraw the money from my account and give him back, so i tell the lost prevention department that this is not legal anyone besides me or someone who sign in my account cant withdraw money from my account without my permission, that they answer me that anyone with a receipt can do it.
Some months before another scammer try to do it the same and i made a claim and the bank give me my money back because anyone besides me cant withdraw money from my account, so why now they are telling me they can?, they ask for proof and i give them, i always have the receipt from my clients, so i can show all the proof they want.
Thanks for your help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | null | XXXXX | null | Consent provided | Web | 2018-03-06 | Closed with explanation | Yes | null | 2,835,198 |
2023-03-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28269 | null | Consent provided | Web | 2023-03-03 | Closed with explanation | Yes | null | 6,643,250 |
2022-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the FCRA XXXX account XXXX has violated my rights. 15 U.S.C. 1681 section 602a states I have the rights to privacy. 15 U.S.C. 1681 section 604a states a consumer reporting agency can not report my personal information without my written instructions. I didnt give Experian or anyone permission or written instructions to report this account. I demand that Experian delete this account immediately based on this FCRA U.S. codes. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MA | 02301 | null | Consent provided | Web | 2022-05-02 | Closed with explanation | Yes | null | 5,529,792 |
2022-10-04 | 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 reached out to each reporting agency for a resolution but was not able to achieve one.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( XXXX ) 15 U.S.C 1681 section 602 A States I have the right to Privacy.
15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer repot containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | NC | 28214 | Servicemember | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,049,521 |
2021-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXXXXXX XXXX XXXXXXXX is reporting inaccurate information to all three credit bureaus for XXXX XXXX XXXX. The company is reporting the wrong balance, past due amount, last reported, date of last active, and date of last activity. This is a violation. I have disputed this information several time starting with XX/XX/2021. I have attached my first letter. | null | EQUIFAX, INC. | AL | 360XX | null | Consent provided | Web | 2021-07-27 | Closed with explanation | Yes | null | 4,578,443 |
2023-02-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | Refuses to remove inaccurate XXXX information. XXXX has removed it, so should this reporting agency. | null | EQUIFAX, INC. | WA | 98391 | null | Consent provided | Web | 2023-02-05 | Closed with explanation | Yes | null | 6,523,169 |
2023-04-06 | 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 XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 283XX | null | Consent provided | Web | 2023-04-06 | Closed with explanation | Yes | null | 6,807,187 |
2020-11-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | HAVING DISPUTED FOUR TIMES NOW THERE ARE MANY ACCOUNTS LISTED ON MY CREDIT FILES THAT I MYSELF HAVE NEVER HAD AND NEED TO BE REMOVE ASAP. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 39503 | null | Consent provided | Web | 2020-11-12 | Closed with explanation | Yes | null | 3,950,973 |
2019-08-22 | 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 | Please reverse the late payments reported on the following accounts : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | HI | 96732 | null | Consent provided | Web | 2019-08-22 | Closed with explanation | Yes | null | 3,349,939 |
2021-04-01 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 02125 | null | Consent provided | Web | 2021-04-01 | Closed with explanation | Yes | null | 4,265,653 |
2022-10-25 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | On XX/XX/XXXX my XXXX credit card with XXXX XXXX XXXX was transferred to First National Bank of Omaha. As recommended, I set up an online account with XXXX. I noticed that a payment I had made to XXXX XXXX XXXX on XX/XX/XXXX was not reflected in my balance with XXXX ; according to the new online account I needed to pay that amount to XXXX on XX/XX/XXXX. I called XXXX on XX/XX/XXXX and a rep told me to fax proof of the payment to XXXX but didn't provide details about how to ensure XXXX knew why I was sending this information. On XX/XX/XXXX I called XXXX XXXX XXXX and was told that the payment was " pending '' though it had been taken out of my checking account and it would probably post in a couple of days and would then show up on the XXXX account. I decided to wait and check the XXXX account every day ( I no longer had access to the XXXX XXXX XXXX account ).
But now I could not log into the XXXX account because the required two-factor authentication did not work ( I entered the code emailed to me but nothing happened ). I called XXXX on XX/XX/XXXX and was automatically directed to " fraud prevention '' and was told I needed to be " verified '' with a voice code sent to my phone number. I have since learned that neither my XXXX XXXX number nor my cellphone number is acceptable to XXXX, so this verification has failed. The only way I can be " verified '' to to either fax notarized ID documents to XXXX or go to my bank and have a bank officer call XXXX in my presence and verify that I'm who I say I am. I can not get anything notarized without an in-person visit. I can't do that, or go to a bank, because I am recovering from XXXX and still testing positive, besides being sick.
I have made several calls to XXXX and told them that and they won't change these requirements. The only thing I can do without being " verified '' is pay them.
So, within a day of XXXX taking over my XXXX credit card account I have no online access ( and the rep told me I couldn't get any information over the phone, either ). Plus I can't ask for technical support to clear up the log-in problems without being verified.
I have no way to find out, before the due date, whether the mistake in my account has been corrected. The fact that XXXX will not accept my phone numbers as a means of verification means that I could be in this limbo forever. I also have no idea whether the log-in problem can be corrected. Even if I manage to get " verified '' this time because I test negative in a few days and can get to a bank or have documents notarized this could occur every time there's a problem because the bank doesn't accept my phone numbers.
I can't even close my account without being verified ; the bank could do it but that would be a black mark on my credit.
This kind of fraud prevention amounts to denying me credit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FIRST NATIONAL BANK OF OMAHA | MA | 02139 | Older American | Consent provided | Web | 2022-10-25 | Closed with explanation | Yes | null | 6,129,360 |
2021-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I dont have any knowledge about the accounts stated below.My personal information has been compromised.
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
XXXX. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) | Company believes complaint caused principally by actions of third party outside the control or direction of the company | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92376 | null | Consent provided | Web | 2021-11-25 | Closed with explanation | Yes | null | 4,947,229 |
2023-03-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | On XXXX XXXX I sent a certified letter to ask Experian to remove unknown names and addresses from my account. Along with letter I included a copy of my drivers license, social security card also my current utility bill. I also summited the request via web portal on XXXX XXXX. At this point nothing has been removed or updated on my account by this company. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76106 | null | Consent provided | Web | 2023-03-29 | Closed with non-monetary relief | Yes | null | 6,762,522 |
2017-09-12 | Credit card or prepaid card | Store credit card | Trouble using your card | Can't use card to make purchases | Received an Amazon store card over a year ago and recently payed over 1000. to pay off debt the beginning of this year. After doing so they cut my credit limit to XXXX which messed up my credit score. I called to ask them why? They claimto do a random " credit check '' and said my income changed. I said, " well I just paid off my card and I have made on time payments and they refuse to help me. I also set up auto draft from my account but, I had to change bank accounts and forgot to change my info online for my accounts so in return, I was late but I contacted them to let them know I had to mail a payment off because I did n't have a checking account anymore. Then they said because I had made a late payment that they are closing my account even after communicating with them about this issue and when I go online to check my account because I enrolled in a paperless mailing, it does n't say I 'm late. It says they received payments for a payment that they said they did n't receive. I have been making on time payments until this year and when I was late I called and also payed fees when I had too. I feel like I 'm being personally attacked because I payed off such a large debt in one payment. My boyfriend has an amazon card and has been late more than me and they never cut his credit limit or closed his account. | null | SYNCHRONY FINANCIAL | VA | 236XX | null | Consent provided | Web | 2017-09-12 | Closed with explanation | Yes | null | 2,670,062 |
2021-02-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have a major credit card with XXXX XXXX. Recently XX/XX/2021 I entered into an agreement with them for 6 months with this card. The agreement is to pay {$50.00} per month at an interest rate of 5.9 % for the 6 months. I was told on XX/XX/2021 that I need to make the first inital payment of {$50.00} which I did with the rep. Going forward I also agreed to have the payments come out of my account each month. I confirmed that the account would be considered in good standing and current. I was assured " yes ''. On XX/XX/2021 I received a text that the account is past due. I immediately called XXXX XXXX and was told that I need to make another {$20.00} payment. I made the {$20.00} payment. I asked why is the account reporting now as late when I was assured after I made the {$50.00} payment the account would be considered current. I would have paid the {$70.00} if that is what they were requiring to go into this program on that day instead of the account showing as late. I am upset at the fact that I might be charged a late fee and in addition that it's going to be reported to the credit reporting agency 's again. I have been disputing with them about 2 negative remarks that are already reporting when in fact I went through this with them back in XXXX when the pandemic hit. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 117XX | null | Consent provided | Web | 2021-02-02 | Closed with explanation | Yes | null | 4,111,198 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Here is the list of accounts/items which do not belong to me or were opened without my permission.
XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$6100.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$8300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each accounts are XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( XXXX ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08701 | null | Consent provided | Web | 2022-11-16 | Closed with non-monetary relief | Yes | null | 6,204,901 |
2017-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | i have been disputing this entry from XXXX XXXX several times and the XXXX bureaus keeping saying that after their investigation they show thin information is correct | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76140 | Servicemember | Consent provided | Web | 2017-05-22 | Closed with explanation | Yes | null | 2,489,456 |
2019-04-26 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | DearRECEIVABLEMGMTGROUPAfterviewingacopyofmycreditreport,InoticedacollectionaccountplacedonmycreditreportfromyouinXX/XX/2017.Iamrequestingthatyouallowmetovalidatetheallegeddebt.IamunawareofanyoutstandingmedicalbillsthatIpossess,andIamseekingthenameandhospital/medicalprovidertowhichIowethedebtandadetailedbreakdownofthefeesthatIowe.
Additionally,IamallowedundertheHealthInsurancePortabilityandAccountabilityAct(HIPAA)toprotectmyprivacyandmedicalrecordsfromthirdparties.Ididnotgivepermissiontoanyofmycurrentorpriormedicalproviderstoreleaseanyofmymedicalinformationtoathirdparty.IamawarethattheHIPAAdoesallowsthereleaseoflimitedinformationaboutmebutanythingmoreistoonlyberevealedwiththepatientsauthorization.Therefore,myrequestistwofoldvalidationofdebtandHIPAAauthorization.
Pleaseprovidebreakdownoffeesincludinganycollectioncostsandmedicalcharges.
Provideacopyofmysignaturewiththeproviderofservicetoreleasemymedicalinformationtoyou.
Ceaseanycreditbureaureportinguntilthedebthasbeenvalidatedbyme.
Pleasesendthisinformationtomyaddresslistedaboveandacceptthisletter,sentcertifiedmail,asmyformaldebtvalidationrequest,whichIamallowedundertheFDCPA.PleasenotethatwithholdingtheinformationyoureceivedfromanymedicalproviderinanattempttobeHIPAAcompliantcanbeaviolationoftheFDCPAbecauseyouwillbedeceivingmeaftermywrittenrequest.Irequestfulldocumentationofwhatyoureceivedfromtheproviderofserviceinconnectionwiththisallegeddebt.
Additionally,anyreportingofthisdebttothecreditbureauspriortoallowingmetovalidateitisaviolationoftheFairCreditReportingAct,whichcanallowmetoseekdamagesfromacollectionagency.Iwillawaityourreplywithaboverequestedproof. | null | Receivable Management Group, Inc. (GA) | GA | 31721 | null | Consent provided | Web | 2019-04-26 | Closed with explanation | Yes | null | 3,223,261 |
2022-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Submitted dispute letters to Experian, XXXX XXXX XXXX for XXXX XXXX XXXX XXXX I did not open. Submitted XXXX round letters XX/XX/2022 and XX/XX/2022 XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91913 | null | Consent provided | Web | 2022-06-06 | Closed with explanation | Yes | null | 5,637,767 |
2019-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The beginning and current balaces due for XXXX XXXX XXXX are incorrect. The lendor is showing an original loan amount of XXXX. This amount is incorrect. The XXXX is not correct amount loaned at the time of purchase. The amount shown is the base purchase price for the vehicle and not the entire loan amount which included Taxes, Warranties, Insurance and original down payment. Also the current balance shown dies not reflect the correct balance as XX/XX/2019. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30260 | null | Consent provided | Web | 2019-02-15 | Closed with explanation | Yes | null | 3,153,844 |
2021-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The following credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent credit inquiries and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX, Way Mc, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/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, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX 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. | MN | 55343 | Servicemember | Consent provided | Web | 2021-06-29 | Closed with explanation | Yes | null | 4,499,846 |
2018-12-13 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I had previously blocked and reported as SPAM this number on my cell phone, but I got a voice mail anyway. The name of the company ( apparently ) is Dynamic Recovery Solutions. There was a toll free number to call back in the voice mail, but I didn't write it down, because I don't owe anyone any money. | null | Dynamic Recovery Solutions, LLC | CA | 93003 | null | Consent provided | Web | 2019-04-22 | Closed with non-monetary relief | Yes | null | 3,099,747 |
2023-04-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as XXXX days to furnish this report and if not reported within XXXX days this inaccurate information be removed from my credit profile. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28303 | Servicemember | Consent provided | Web | 2023-04-25 | Closed with explanation | Yes | null | 6,880,769 |
2022-10-10 | Debt collection | Payday loan debt | Attempts to collect debt not owed | Debt is not yours | Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX BANK ), Account : XXXX Reason XXXX Delete this unverified and inaccurate account | null | EQUIFAX, INC. | SC | 29506 | null | Consent provided | Web | 2022-10-10 | Closed with explanation | Yes | null | 6,069,051 |
2023-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10456 | null | Consent provided | Web | 2023-08-23 | Closed with non-monetary relief | Yes | null | 7,442,887 |
2018-02-21 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | In XX/XX/XXXX after being alerted to a collection account added to all 3 credit bureaus, Midland was sent a dispute and validation request for the alleged debt. In XX/XX/XXXX the attached response was received. As you can see Midland has failed to validate the alleged debt with the requested contract signed by alleged debtor that outlines obligation to pay original creditor and/or Midland, requested contract between original creditor and Midland allowing them to collect on this alleged debt, requested signed receipts linking credit account to alleged debtor as this is appears to be a credit card debt, or requested detailed billing history to prove amounts owed on the alleged debt especially considering that the statement that was provided does not explain how an alleged credit line of {$400.00} turned into an amount owed of {$810.00}. With the information that is present on the statement provided, it appears Midland is attempting to collect an invalid amount for this alleged debt. I am further concerned that Midland may be reporting invalid information as they allege the debt was charged off XX/XX/XXXX which appears to conflict with the statement due date of XX/XX/XXXX. | null | ENCORE CAPITAL GROUP INC. | NC | XXXXX | null | Consent provided | Web | 2018-02-21 | Closed with non-monetary relief | Yes | null | 2,819,677 |
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 | This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28314 | null | Consent provided | Web | 2023-02-13 | Closed with non-monetary relief | Yes | null | 6,568,308 |
2020-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am filing this report because there are a few accounts on my credit report that do not belong to me. The only reason I found out is because I applied for a loan today XX/XX/20 and I was not approved so I started to look through my credit report trying to figure out why I was not approved and I found five accounts that aren't mine. The accounts are from these companies. XXXX XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have never opened an account with any of these companies nor am I affiliated with them in any way. I did not benefit anything from the accounts that were opened in my name without my permission and I never made any payments towards those accounts. I am still trying to figure out who is responsible for these unauthorized accounts but in the meantime I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding these accounts. | null | EQUIFAX, INC. | CA | 90041 | null | Consent provided | Web | 2020-07-02 | Closed with explanation | Yes | null | 3,727,563 |
2023-02-23 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I used XXXX to transfer money directly in my account and the account shows the balance however it wont update the availability of the balance so I can use my money, my money has already left my XXXX and already in my usaa checking account but usaa isnt giving me access to this. | Company believes it acted appropriately as authorized by contract or law | UNITED SERVICES AUTOMOBILE ASSOCIATION | KY | 416XX | Servicemember | Consent provided | Web | 2023-02-23 | Closed with explanation | Yes | null | 6,601,086 |
2020-10-30 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | XXXX : I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77008 | null | Consent provided | Web | 2020-10-30 | Closed with explanation | Yes | null | 3,927,165 |
2017-03-21 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | SCA has reported XXXX collection accounts on my credit report. Prior to these accounts appearing on my report, I never received a notice of right to dispute, which is a violation of the Fair Debt Collection Practices Act. I have asked SCA to remove these accounts because I was never served with a notice of right to dispute, but they refuse. | null | SCA Collections, Inc. | NC | 278XX | null | Consent provided | Web | 2017-03-21 | Closed with explanation | Yes | Yes | 2,398,150 |
2023-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I did not give these companies my information I only gave it to XXXX to apply for there cars but they ran my credit 52 times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | MS | 39180 | null | Consent provided | Web | 2023-03-10 | Closed with explanation | Yes | null | 6,677,734 |
2021-01-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 023XX | null | Consent provided | Web | 2021-01-31 | Closed with explanation | Yes | null | 4,106,776 |
2023-02-27 | 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 a victim of identity theft please remove this fraud inquiry from my credit report. | null | EQUIFAX, INC. | IL | 604XX | null | Consent provided | Web | 2023-02-27 | Closed with explanation | Yes | null | 6,623,837 |
2019-01-10 | Checking or savings account | Checking account | Managing an account | Fee problem | This bank has consistantly manipulated my direct deposits in order to charge fees. I have an online XXXX shop with direct deposits which can have deposits one to five times a week depending on sales. All deposits are submitted to bank between XXXX XXXX and XXXX XXXX and I am sent an email stating funds have been sent to bank in addition to the money shown on the funding page of my site showing when they remove from my shop account and send to bank.
When I have suffecient funds already in bank, when there would be no way to manipulate deposits and charges, checks etc Chase will deposit these direct deposits prior to any other charges EVERY TIME My bank history shows this to be consistant but when I am going to be short for a charge if the deposit is not deposited first THEY HAVE BEEN CONSISTANTLY CHARGING ME FOR ANY CHECKS OR WITHDRAWLS PRIOR TO MY DIRECT DEPOSIT. And ONLY when they can be sure to charge me a fee if they do not deposit first. Case in point is a fee I acquired on XX/XX/2019. I had apx {$95.00} available that morning. I got my confirmation from my XXXX account that funds where sent to bank at XXXX XXXXm. I had a check written to the XXXX XXXX XXXXXXXX for utilities for {$120.00} in which I know was not deposited until after XXXX to our town of apx 300 people at the small local bank.
I check at apx XXXX XXXX on XX/XX/XXXX and there is no withdrawl but the deposit was shown as pending. I check again at apx XXXX this XXXX and Chase has taken the check and processed it first and the direct deposit after!! AGAIN!! But both where showing as processed. I once again, I have to do this time to time I live on SSI and my income is low and so I live hand to mouth and pray I sell something on XXXX to eat all month. I wrote them and told them to STOP CHEATING ME and manipulating. The refused to refund charge. In addition they have now moved the direct deposit not only behind check and the service fee of {$34.00} but it is now showing as pending again along with another direct deposit that was processed on XX/XX/2019 at XXXX : XXXX But I can go back, month after month, for two years and every time I have sufficient funds and there is no way to charge me a fee, my direct deposits from XXXX are processed prior to any other charges!!!
This is something Chase was sued for. It is unethical and maybe not illegal maybe it is. They should not have the ability to process a deposit however they want, when they want in order to charge fees. If they deposit the direct deposit prior to charges 99 percent of time but yet don't only if they can XXXX me that is deceptive practice. I should be able to count on the fact that my direct deposits will ALWAYS BE DEPOSITED THE SAME WHICH IS PRIOR TO CHARGES not be screwed by this corrupt institution.
I want my fee returned and I want this bank to be told they can not do whatever the XXXX they want when they want to XXXX consumers.
I have been getting these direct deposits over 2-3 yrs now on a weekly if not daily basis. This account is established and there is no reason for them to pend the amount only in order to charge a fee but not to pend it when they can not.
Please help.
I have over a thousand emails showing when my direct deposits are sent to bank but I don't know how to upload and save these or to attach them below. I am in my mid 60s and not very literate on computers or social media etc. I also have years worth of bank statements online or daily records for at least several months in which you can see that when I have funds available and that there would be no way to XXXX a fee from me, they have ALWAYS deposited the XXXX direct prior to charges and that the only time this is not done is when I am short a few dollars here or there and depend on my direct deposit to be processed as it is all the other times, first before withdrawls. yet they don't and charge me fees. I can prove this over and over. | null | JPMORGAN CHASE & CO. | WA | XXXXX | null | Consent provided | Web | 2019-01-10 | Closed with monetary relief | Yes | null | 3,121,431 |
2021-07-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Received copy of my Experian credit report and it showed some inaccurate information specifically a bankruptcy. I asked Experian to disclose there method of verification and Experian received XX/XX/21 and never received response. Sent 2nd request for method of verifcation XX/XX/21 and replied XX/XX/21 with file # XXXX claiming the bankruptcy was verified by XXXX. So I went directly to XXXX to confirm this information and on XX/XX/21 XXXX couldn't verify the inaccurate bankruptcy on there file and as of XX/XX/21 has deleted and removed the bankruptcy from there files. On my behalf XXXX also filed a dispute with Experian to confirm the bankruptcy was deleted from there file. Also as a follow up, I sent the results of this investigation to Experian directly received on XX/XX/21 and as of XX/XX/21 has not received a response from my request to have the bankruptcy removed from there file. I pulled my Experian credit report on XX/XX/21 with file # XXXX which still shows the bankruptcy on my file. Seems as if Experian is ignoring the dispute done on my behalf by XXXX and my followup done as well with a no response. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 604XX | null | Consent provided | Web | 2021-07-08 | Closed with explanation | Yes | null | 4,524,023 |
2016-07-28 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Frequent or repeated calls | Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day. | null | Conn's, Inc. | NC | 28213 | Servicemember | Consent provided | Web | 2016-08-01 | Closed with non-monetary relief | Yes | No | 2,035,577 |
2019-04-06 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I never applied for the card in question and it was eventually closed with being used but the bank is trying to extort the yearly fees from me by posting it on my credit profile without authentication | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CO | 801XX | null | Consent provided | Web | 2019-04-15 | Closed with non-monetary relief | Yes | null | 3,203,802 |
2021-09-20 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt was paid | XXXX XXXX XXXX XXXX has been contacted several times. The last time was XX/XX/2021. As the servicer of a loan with Bayview Loan Serving now Community Loan Servicing XXXX XXXX XXXX XXXX were notified that the property attached to the loan was sold and closed out on XX/XX/2021. XXXX XXXX XXXX continued to deduct {$300.00} from my business account which created a problem of taking my money for a mortgage that was closed out. XXXX XXXX XXXX suggested talking to Bayview. I did so on on two separate occasions XX/XX/2021 and again today XX/XX/2021. At XXXX & XXXX I have spoken with XXXX, XXXX XXXX, XXXX XXXX XXXX. At Bayview, I spoke with XXXX XXXX, asset manager. Maybe my like name confuses XXXX XXXX XXXX in the communication since I am sent back & forth between the two entities. The resolution is simple. XXXX XXXX XXXX accept the payoff from funds received at closing on XX/XX/2021, zero out the mortgage account and refund all {$300.00} payments plus {$35.00} bank fees after XX/XX/2021 from my business account. These actions have disrupted my life and business. | null | Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) | FL | 33177 | Older American, Servicemember | Consent provided | Web | 2021-09-20 | Closed with explanation | Yes | null | 4,736,067 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | I sent in a dispute about the addresses and name to experian. Today I received the results and they updated the apartment only. I requested to have all addresses removed except XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX. Also I requested to have the name XXXX XXXX remove. My name is XXXX XXXX. For some reason they seem to get it wrong | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29420 | Servicemember | Consent provided | Web | 2023-06-07 | Closed with non-monetary relief | Yes | null | 7,084,705 |
2019-06-24 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | I have various credit cards serviced by Synchrony Bank, Qcard, PayPal, Wall Mart, Sam 's Club Master card. It took me a while to figure this company out but what they do is " forget '' to send a bill for a month and then in the next billing cycle you have late fees added on, then the next day you get a letter reducing your credit limit. I had been in excellent standing with these credit cards for years until Synchrony bank took over the accounts. There are so many people complaining on XXXX and people I know personally who are having the same issue. Something needs to be done. They also call you 5 times a day and all day Sunday if you " missed '' a payment. I had never missed a payment until these crooks took over. Please look into their practices. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | LA | 70003 | null | Consent provided | Web | 2019-06-24 | Closed with monetary relief | Yes | null | 3,285,491 |
2020-11-25 | Debt collection | I do not know | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | Thank you for your recent contact dated : XXXX XXXX, 2020.
I wrote to you on XXXX XXXX, 2020, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.
4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. | null | CREDIT WORLD SERVICES, INC. | KS | 676XX | null | Consent provided | Web | 2020-11-25 | Closed with explanation | Yes | null | 3,975,233 |
2022-08-26 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Wrong person this bankruptcy doesnt belong to me and I would like it removed | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NV | 89103 | null | Consent provided | Web | 2022-08-26 | Closed with explanation | Yes | null | 5,919,229 |
2022-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. | null | EQUIFAX, INC. | FL | 33543 | null | Consent provided | Web | 2022-06-16 | Closed with explanation | Yes | null | 5,673,736 |
2020-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im disputing this account on my Experian credit report as fraud, the account ( XXXX XXXX XXXX ) for XXXX dollars my name has been by XXXX XXXX XXXX in the past I have filed a complaint with the FTC .and the XXXX XXXX thats why Im no longer a customer.XXXX XXXX XXXX has open lines of credit on my account when I was with XXXXXXXX XXXX XXXX and checked my credit illegally with out my consent I want this account removed off my credit report because its fraud and doesnt belong to me, whoever reads this from Experian this is XXXX XXXX XXXX and i am filing this complaint, now dispute this account and have it removed off my credit .I will send screen shots and FTC identity theft report in this complaint | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30141 | Servicemember | Consent provided | Web | 2020-09-27 | Closed with explanation | Yes | null | 3,869,221 |
2023-08-15 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/XXXXXXXX and XX/XX/XXXX Letters were sent to all 3 credit reporting agencies.
Each agency stated that they verified all accounts without providing evidence of verified account documentation. On XX/XX/XXXX I submitted a claim with CFPB and all reporting agencies stated that the information they provided were verified though i did not receive not one document of verification.
The information regarding a XXXX XXXX XXXX account i never opened with a limit of {$700.00} should not be on any of my accounts. I closed it for the reason that i never approved it to be opened and never used the credit line. This account should be deleted.
Somehow XXXX XXXX XXXX XXXX i have over 3 accounts with the same bank that is in collections with no verification that they are mine and i have no recollection of opening an account excluding one which has been paid and closed for the amount of {$170.00}.
On XX/XX/XXXX There is a XXXX XXXX XXXX XXXX account that is stated by the credit reporting agency of a balance of {$2800.00}, Credit Limit {$2500.00} date reported XXXX However, on XX/XX/XXXX reporting statement says Balance {$4500.00} and amount pass due {$2600.00}. The previous amount pass due on XXXX stated {$930.00} with date of reporting XXXX on each document in XXXX
There is also a XXXX XXXX XXXX XXXX XXXX account with {$1600.00} balance due with charge off amount of {$2800.00} on credit report XX/XX/XXXX.
Credit agency stated " verified account and information has been updated '' with no documentation of verification. | null | EQUIFAX, INC. | CA | 90221 | null | Consent provided | Web | 2023-08-15 | Closed with non-monetary relief | Yes | null | 7,405,732 |
2020-10-03 | Mortgage | Conventional home mortgage | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I am disputing information on my Pennymac mortgage which is now closed. The late payment dates that the company is reporting is incorrect. They are listing dates that I actually paid. I sent the company over verification of the dates in question but they did not respond.
Furthermore, during the times that I was late with my payments, I informed the company and provided documentation that I was out of work on medical leave due to an unexpected illness. I have since returned back to work and have paid all my bills on time.
The account is now closed but the late payments are hindering my score and my financial progression which is crucial during the current COVID-19 pandemic. | null | PENNYMAC LOAN SERVICES, LLC. | NJ | 07050 | null | Consent provided | Web | 2020-10-03 | Closed with explanation | Yes | null | 3,879,176 |
2023-01-19 | 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 submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | JPMORGAN CHASE & CO. | null | XXXXX | null | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,457,041 |
2020-10-16 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | XX/XX/2020 my XXXX and XXXX XXXX ( {$780.00}, XXXX {$87.00} NY XXXX ) was deposited into my HSBC checking account by direct deposit. They have told me on numerous occasions they account was in process of closing and then closed, depending on whom you speak with in the fraud department it is in different stage. On different occasions they have told me that a check was mailed ( 5 times ), in fact a check was never mailed. They are holding my government funds that have nothing to do with another problem with account. At their request I submitted proof 2 times to their efraudprevention email. I have been on the phone with them practically everyday. I also spoke with XXXX XXXX at their XXXX XXXX XXXX branch, she is the Vice President ( XXXX ). I spoke with a XXXX XXXX at XXXX for XXXX XXXX, I also spoke with a XXXX ( unknown position ) at XXXX, she works out of headquarters in XXXX, New York. I have spoke with a multitude of people in the fraud department. I am in desperate need of this small amount of money that I live on sparsely. | null | HSBC NORTH AMERICA HOLDINGS INC. | NY | 130XX | null | Consent provided | Web | 2020-10-16 | Closed with explanation | Yes | null | 3,904,171 |
2018-01-24 | Credit card or prepaid card | General-purpose credit card or charge card | Incorrect information on your report | Account information incorrect | I wrote XXXX/Continental Finance Company on XX/XX/XXXX for a goodwill adjustment. On XX/XX/XXXX, I received a letter back stating the adjustment would not and/or could not be modified or delete the request. I again wrote again to XXXX/Continental Finance Company on XX/XX/XXXX and received a letter back XX/XX/XXXX stating the same exact thing a before, the adjustment would not and/or could not be modified or deleted. I have called several time and spoken with many representatives there and the late payment that is reporting for XX/XX/XXXX could not be verified in the system. I have also emailed the customer service email address trying to rectify this issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Continental Finance Company, LLC | AR | 72204 | null | Consent provided | Web | 2018-01-24 | Closed with explanation | Yes | null | 2,790,998 |
2017-07-12 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | I have been contacted by Trans World Systems. They ask if I am XXXX XXXX and then I said Yes. They said they are calling for XXXX.I ask who they are and they tell me they can not talk to me unless I give them my birthdate, last 4 numbers of my social security number and my address. I only know XXXX XXXX as they were my XXXXYear old mothers pharmacy which she owes a small bill which has been disputed. I have not received any letters in writing and my mother is ill and uses my address. All her mail comes to me. I do not know for sure if this is a collection agency, if they have my mothers name. They are calling 3-4 times a day on the XXXX number and XXXX. Trans World does not come up on the phone screen only XXXX Fl on the cell with a NY # XXXX and on the landline-XXXX, fl,XXXX. As they do not say they are a collection agency, they could be scammers. I keep asking them to send me a letter. | null | TRANSWORLD SYSTEMS INC | FL | 33573 | null | Consent provided | Web | 2017-07-12 | Closed with explanation | Yes | null | 2,571,837 |
2020-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | CARRINGTON PULLED A CREDIT REPORT ON ME ON XX/XX/XXXX THEY HAVE NO PERMISSABLE PURPOSE TO PULL A REPORT.
ACCOUNT WAS DISCHARGED IN BANKRUPTY IN XX/XX/XXXX.AFTER XXXX NO ENTITIY HAS A LEGAL RIGHT TO PULL A REPORT ON ME, I DO NOT HAVE AND ACCOUNT WITH THEM ALSO WHICH MAKES IT EVEN MORE ILLEGAL.STRIKE INQUIRT=Y FROM MY REPORT COPY BELOW FROM XXXX CARRINGTON MORTGAGE SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX Requested On : XX/XX/XXXX | null | CARRINGTON MORTGAGE SERVICES, LLC | MA | 027XX | null | Consent provided | Web | 2020-10-10 | Closed with explanation | Yes | null | 3,891,536 |
2023-05-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11434 | null | Consent provided | Web | 2023-05-24 | Closed with non-monetary relief | Yes | null | 7,015,716 |
2022-05-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperianXXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports 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. | MO | 63136 | null | Consent provided | Web | 2022-05-14 | Closed with explanation | Yes | null | 5,559,453 |
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 | This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$150.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX IXXXX XXXX Balance Owed : {$410.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$90.00} | null | EQUIFAX, INC. | LA | 705XX | null | Consent provided | Web | 2023-02-13 | Closed with explanation | Yes | null | 6,568,514 |
2021-08-06 | Credit card or prepaid card | General-purpose credit card or charge card | Incorrect information on your report | Account status incorrect | To whom this concern, I am writing this letter out of shame. It took some time for me to get the courage to reach out to anyone with this personal financial problem. If I want to help myself, I am going to have to ask for help regarding several credit flags from State Employee Credit Union ( SECU ). I wanted to include some account information, to help you access my account easily if investigation is necessary, XXXX XXXX # XXXX confirmed that he could not give me the old account number. Since all cards were closed, I also could not get access online to obtain any details to support this complaint. My relocation is the reason I can not help myself with SECU.
I did have a credit card with SECU. Frankly, I dont even remember the last time I used the credit card. Theres a {$1000.00} charge off for the credit card. I remember paying the card off but between then, now, and Covid-19 in between Im not certain. There is a currently active {$350.00} line of credit with {$940.00} being the highest balance. I asked XXXX to clarify how both can exist, but she ignored the question and focused on the {$1000.00} charge off. | null | STATE EMPLOYEES CREDIT UNION | FL | 32119 | null | Consent provided | Web | 2021-08-06 | Closed with explanation | No | null | 4,609,189 |
2023-05-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up complaint to recent dispute I sent regarding the items reportedon my Credit File. I sent a letter on XX/XX/XXXX requesting to the Credit Bureaus to remove the following fraudulent accounts and inquiries appearing on my Credit FIle that are UNKNOWN to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have read that according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints and I am including it again. If the Credit bureaus believe that the disputed items belong to me, I request that they send me copies of documents supporting such claims. In the absence of such documents, immediate deletion of the disputed items are expected. | null | EQUIFAX, INC. | MD | XXXXX | null | Consent provided | Web | 2023-05-08 | Closed with explanation | Yes | null | 6,936,471 |
2018-03-20 | Credit card or prepaid card | Store credit card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | So here is the story. In XX/XX/XXXX, not long before XXXX, I visited my favourite watch store, XXXX XXXX at XXXX XXXX and XXXX XXXX in New York. The sales person convinced me to put the XXXX watch I wanted on their store credit card, which is a TD bank card. The sales rep emphasized not having to pay interest for 24 months and misinformed me that if for some reason I can not pay off the full balance by the time the promotional period ends - which was XX/XX/XXXX - I will only have to pay interest on the remaining balance on the account, which is obviously not true. I thought I had about {$1500.00} balance left on the card and when I went online to make my payment, I saw that my balance was now almost {$3500.00}. I immediately called them up and they told me that the extra {$2000.00} was the added interest that accrued during the 24 months since I did not pay off my card by XX/XX/XXXX. I tried to make a deal with them and said I am willing to pay {$2000.00} at the time of the phone call and close the card and be done with it but they said no.
On Friday, XX/XX/XXXX at XXXX XXXX my wife called the phone number XXXX listed on the back of XXXX 's XXXX credit card. she was connected with a representative by the name of XXXX, to whom she explained the situation. She asked her to have the interest removed or reversed. The rep said she was not authorized to do so, so she asked her to connect her with her manager. After a little while, a male manager by the name of XXXX or XXXX came on the line and she explained the situation to him as well. He was very apologetic about the situation and he told her that she needed to put everything in writing and fax or mail the letter to the Department of Complaint. He advised her to make sure that she put down that I was given false information in regards to how the interest was being calculated. He also added that based on my payment history - I was never late with any of my payments and there were times when I doubled or tripled the amount I paid -only when I lost y job, I started to pay lesser amounts, but always paid at least the minimum due - the manager believed that based on my history and my current financial situation, the Department of Complaint should do something to ease the pain and reverse the charges. So my wife wrote a letter and faxed it to the Complaint Department on the same day, XX/XX/XXXX at XXXX XXXX. She was hopeful that it worked. However, yesterday, I received the letter declining our request.
I have attached the following documents for your reference : 1. First correspondence the Request Letter to remove interest faxed to the Department of Complaint on XX/XX/XXXX & confirmation pages of fax sent.
2. Denial Letter received yesterday in the mail. | null | TD BANK US HOLDING COMPANY | NJ | XXXXX | Servicemember | Consent provided | Web | 2018-03-20 | Closed with monetary relief | Yes | null | 2,849,551 |
2022-10-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92324 | null | Consent provided | Web | 2022-10-17 | Closed with non-monetary relief | Yes | null | 6,097,074 |
2022-06-27 | 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 | On XX/XX/2022 a fraudulent transaction of {$1100.00} was done with my Bank of America Travel Rewards Visa Credit Card. It was done with a merchant named XXXX. On XX/XX/2022, while the charge was still processing I disputed this charge with Bank of America stating how the transaction is fraudulent and I have not made this purchase. They succeeded in going through the procedure of taking it off my statement while it was being reviewed. However, at the end they believed I made a statement saying that the charges were valid, which did not happen. Based on transaction statements, purchasing power from this card, and history of the credit card, it is quite easy to determine how this was a fraudulent purchase. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | TX | 752XX | null | Consent provided | Web | 2022-06-27 | Closed with monetary relief | Yes | null | 5,713,696 |
2023-03-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | They have been informed several times by myself, CFPD, FTC and the bureaus that this account is unknown to me, and I have been a victim of identity theft. They continue reporting the account and the payment history not linked to me ( both payments and non payments ). In their " proof '' they said the card was open online, and therefore identity was not verified, and they address the card was sent to was never my address in any capacity. They failed to accurately verify identity and allowed this account, yet refuse to remove it after it was brought to their attention. They claim they " verified '' the information by some public records that do not exist. | null | EQUIFAX, INC. | NY | 10001 | null | Consent provided | Web | 2023-03-17 | Closed with explanation | Yes | null | 6,711,780 |
2023-04-19 | 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$7300.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX | null | EQUIFAX, INC. | GA | 30019 | null | Consent provided | Web | 2023-04-19 | Closed with explanation | Yes | null | 6,859,690 |
2018-12-12 | 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 | As I ran my credit report today, I found some unauthorized inquiries on my credit report. I haven't been in search for or applied for a new job. Can we please get these off of my reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90250 | null | Consent provided | Web | 2018-12-12 | Closed with explanation | Yes | null | 3,098,323 |
2023-01-15 | Debt collection | I do not know | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | On XX/XX/2022, I contacted Portfolio Recovery Associates ( XXXX XXXX XXXX ; XXXX XXXX ; XXXX, VA XXXX ) and asked them to send me the Original contract ; Creditor information ; Payment history of this alleged account ; Proof of ownership ; and Contract with Portfolio Recovery Associates authorizing consent for debt. I sent this certified mail ( # XXXX XXXX XXXX XXXX XXXX ) via the United States Postal Service. They had 30 days to send me this documentation. On XX/XX/2022, I contacted them again and told them they did not honor the 30 days and asked them to remove this inquiry from my credit report. They never did so on XX/XX/2022, I contacted XXXX, reported what was going on with Portfolio Recovery Associates and started another credit dispute and asked them to remove this credit dispute from my credit report because they never sent me the requested documentation. | null | PORTFOLIO RECOVERY ASSOCIATES INC | IL | 60409 | null | Consent provided | Web | 2023-01-15 | Closed with explanation | Yes | null | 6,441,336 |
2020-09-23 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | On XXXX XXXX I estalbished an account with frontier communications they came to my home on XX/XX/2019. I was not at home when installing but my mother was there and she connected her computer to the wifi it work after the guy installed it. When I came home the internet was not working and I could not connect to the wifi. I tried rebooting with reset button and it would never connect to my laptop. The next day I called for trouble shooting and waited in line for them to tell me they would call me back within 24 hrs and no one ever did. I called back 2 days later ( went out of town ) I waitied on hold for 30 mins to do trouble shoot what was the issue. She told me she was giving me credit on the bill because my services were not working when asked what was my solutions because i wanted to cancel services because there were connections issues and didnt like I how I was treated with the hold time and no one not knowing how to fix my issue. I am now seeing on my report that they have placed me on collecetions for servoces that never worked and they promised they closed the bill and i was not going to be charged. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | R & B Corporation of Virginia | CA | 90805 | Servicemember | Consent provided | Web | 2020-09-23 | Closed with explanation | Yes | null | 3,861,888 |
2022-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time. | null | EQUIFAX, INC. | FL | 33712 | Older American | Consent provided | Web | 2022-03-30 | Closed with explanation | Yes | null | 5,387,159 |
2023-06-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CO | 80234 | null | Consent provided | Web | 2023-06-15 | Closed with explanation | Yes | null | 7,124,564 |
2022-12-05 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Capio is a bottom feeder collection agency that buys debt that was already proven not to be yours & they buy it with hope of bullying you into paying a debt that you do not owe. I was contacted by Capio XXXX XXXX about a hospital bill that I did not owe. The previous company that had this debt XXXX soloution was sent information from both my XXXX XXXX company Primary & Secondary that proves I have no outstanding bills or outstanding co payments. The then sold it to another company because they couldnt collect on it. I wrote a letter to then stating that I dont owe any outstanding hospital bill & they reply that they have close that account & return to client.
Being the desperate company that Capio is they wrote me another letter XXXX XXXX Stating that I owe another bill for a different amount {$200.00} I then contact both Insurance company again & They contact the hospital that are stating the bill generated from & was proven I owe no hospital bill from the date they are stating. I wrote a reply certified letter after our investigation on XX/XX/2022 I ask the company if I owe them please provide me with the original bill & a breakdown of how they came up the the amount that they are claiming I owe them. Anyone can write a letter with an amount on the company letter head saying that someone owe them but the much provide supporting documentation. The company did not reply to my letter for validation of the debt. What they did was put it on my credit with no proof of me owning the hospital bill. | null | Capio Partners, LLC | FL | 32818 | null | Consent provided | Web | 2022-12-05 | Closed with non-monetary relief | Yes | null | 6,277,828 |
2023-03-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. I was unaware and did not give permission for my information to be shared. I ask that you please REMOVE the accounts listed below and update any payments that are listed. | null | EQUIFAX, INC. | PA | 19144 | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,750,684 |
2018-02-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | At the end of XX/XX/2017I sent a letter to XXXX XXXX XXXX XXXX asking for a debt validation regarding an alleged debt that was owed. I received a letter and an unsigned contract with my typed name in the signature area.
However, since this was my first initial contact with this company I noticed that the company violated Section 807 ( 11 ) of the Fair Debt Collection Practices Act that requires a debt collector to inform a consumer in the initial communication with the consumer with the following wording on the letter " this communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. '' The code refers to this an a mini-miranda disclosure.
I sent the organization information regarding this fact ( certified letter ), and XXXX XXXX XXXX XXXX did not respond to the letter but sent me a similar letter ( attached ) with another unsigned contract. This is a blantant violation and request that the credit bureaus investigate this matter and if not resolved, that the account is deleted from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | XXXXX | null | Consent provided | Web | 2018-02-22 | Closed with explanation | Yes | null | 2,823,201 |
2021-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | CREDITACPT XXXX Balance Owed : {$10000.00} This account was involved in litigation and do not belong to me. I never established these accounts. This account was a result of fraud. I was contacted by a collection agency regarding the account that was obtained under my name. I have no knowledge of obtaining any of the account listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent account investigated and removed immediately | null | EQUIFAX, INC. | PA | 19150 | null | Consent provided | Web | 2021-02-16 | Closed with explanation | Yes | null | 4,143,591 |
2023-07-21 | Student loan | Federal student loan servicing | Incorrect information on your report | Account information incorrect | I have a balance of XXXX student loan that I'm unaware of the name of the company is DEPT OF ED/ XXXX XXXX . | null | Nelnet, Inc. | OH | 45240 | null | Consent provided | Web | 2023-08-22 | Closed with explanation | Yes | null | 7,279,617 |
2022-09-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I opened a XXXX XXXX account though XXXX XXXX XXXX on XX/XX/XXXX. I was making payments on time but then fell behind. I received a letter in the mail in XX/XX/XXXX saying they were offering me a settlement offer for {$1600.00}. I called around XX/XX/XXXX to agree to the offer. I gave them the payment information and they processed the payment. The payment came out of my bank account on XX/XX/XXXX. I received a confirmation number and was told my account would be closed and that it would show up on my credit report as paid in full by less than full amount.
A few weeks after I paid the settlement amount, I received a bill in the mail saying I owed a monthly payment of over {$400.00}. So on XX/XX/XXXX, I called the XXXX XXXX card, spoke to a man named XXXX and asked why I was still receiving payment notification letters after I already settled the account. I was told that it would take about 21 days to close the account and disregard any future emails or bills and I'll receive a letter in 21 days.
I kept receiving bills and email notifications and noticed that on my credit report it was showing delinquent and affecting my score.
On XX/XX/XXXX, I called the XXXX XXXX card again this time being more stern in my approach telling them that the account was settled and that it was suppose to be closed 21 days after XX/XX/XXXX and I'm still getting bills. The man named XXXX transferred me to an Account manager named XXXX, who apologized for everything and said she would send an email stating the account is closed and has been settled and would take care of the credit reporting issue too. She mentioned she would call me back in 1-2 days to let me know the status of everything.
My problem with this whole situation is that it don't seem there's communication being relayed and that my credit has been taking a good hit.
If there's anything you could do, that would be awesome!
Thanks, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 15068 | null | Consent provided | Web | 2022-09-16 | Closed with non-monetary relief | Yes | null | 5,990,177 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information belongs to someone else | I recently moved back from XXXX XXXX XXXX to XXXX and when shipping boxes one of them was stolen through USPS. I'm still trying to get in contact but they refuse to cooperate and the box that was stolen had my social security card in there. I was trying to look for apartments and can't get approved because I saw that there's a lot of debt that is not mine. | null | Experian Information Solutions Inc. | CA | 93722 | null | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,248,996 |
2022-04-19 | 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 XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 125XX | null | Consent provided | Web | 2022-04-19 | Closed with non-monetary relief | Yes | null | 5,467,570 |
2021-12-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions. | null | EQUIFAX, INC. | FL | 33060 | null | Consent provided | Web | 2021-12-06 | Closed with explanation | Yes | null | 4,979,336 |
2022-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | his consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA.
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 201XX | null | Consent provided | Web | 2022-04-02 | Closed with non-monetary relief | Yes | null | 5,399,161 |
2020-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is Fraud and, I would like to report this. Something needs to be done about this i did not give anyone consent to open any Accounts using My personal Information. This Fraud needs to stop in Florida this is very stressful | null | EQUIFAX, INC. | FL | 33168 | null | Consent provided | Web | 2020-08-20 | Closed with explanation | Yes | null | 3,805,541 |
2022-11-29 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened to sue you for very old debt | I received a letter from XXXX XXXX XXXX XXXX XXXX threatening a lawsuit over a cash advance loan that I have no recollection of ever getting. | null | Cottonwood Financial Ltd. | TX | 76542 | null | Consent provided | Web | 2022-11-29 | Closed with explanation | Yes | null | 6,257,059 |
2018-12-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm named as an authorized user on accounts that I have no knowledge of, and them accounts are as following 1 ) XXXX XXXX 2 ) XXXX XXXX XXXX, XXXX limit Please remove these accounts, thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 622XX | null | Consent provided | Web | 2018-12-30 | Closed with explanation | Yes | null | 3,112,895 |
2022-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, also act XXXX XXXX # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | GA | 30305 | null | Consent provided | Web | 2022-06-02 | Closed with explanation | Yes | null | 5,625,405 |
2018-03-05 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XXXX California XXXX XX/XX/XXXX COMPASS BANK XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX COMPASS BANK Account Number : XXXX Balance : {$9700.00} SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern : COMPASS BANK I would like to make arrangements to settle the above referenced matter.
Please provide me with your statement of the amount owing as of ( XX/XX/XXXX ), together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form.
Thank you very much.
XXXX XXXX XXXX, XXXX Without Prejudice UCC 1-308 ) | null | BBVA FINANCIAL CORPORATION | CA | 92354 | null | Consent provided | Web | 2018-03-13 | Closed with explanation | Yes | null | 2,832,290 |
2021-06-17 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Please see XXXX, reopening. HSBC has not provided explanation on why incorrect 1099-C code was inputted on form. HSBCs response to see previous correspondence from them is insufficient as the code should be A for bankruptcy and they have never provided any explanation on why the incorrect reporting codes were used. This card was cancelled and closed due to a bankruptcy filing. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | HSBC NORTH AMERICA HOLDINGS INC. | MO | 63368 | null | Consent provided | Web | 2021-06-17 | Closed with explanation | Yes | null | 4,469,953 |
2023-02-09 | 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 sent several complaints to the credit bureaus on XXXX, XXXX, XXXX XXXX with XXXX and XXXX There is inaccurate information listed on my account with NCB Management systems. The company is stating that I XXXX XXXX dollars to them. I have never been extended credit from NCB. However, In XXXX I did have a car repossessed by XXXX XXXX The care was repossessed and sold at an auction for XXXX.
Not only is the amount owed to XXXX not matching the amount that the car was repossessed for the debt is showing as if it is a new debt on my credit report with different amounts showing. I have call the company, I have called the credit bureaus and they have not been able to resolve this issue. They keep saying it is investigated. This is not the case. This debt is reporting like a new debt and NCB refuses to show me proof of what I owe. Please help! | null | NCB Management Services Inc. | GA | 30071 | null | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,552,874 |
2023-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33010 | null | Consent provided | Web | 2023-02-10 | Closed with explanation | Yes | null | 6,557,465 |
2018-05-22 | Debt collection | I do not know | Communication tactics | You told them to stop contacting you, but they keep trying | My husband is receiving robocalls ( at home, while he's at work ) from some company which comes up on the caller ID as " XXXX ''. The robocall assumes that someone is answering ( even though it's the machine picking up ) and says it will hold 3 seconds till my husband can get someplace " private '' -- which seemed VERY fishy to me ). When I called back to ask what it was in reference to they wouldn't tell me. So I said " If we tell you to not call the house, you have to NOT CALL THE HOUSE '' ( that is, as I understand it, the law ). Well we got another call this XXXX. So I called the number back, which was XXXX and got some company called " XXXX XXXX XXXX '' ( or some such ) and told the woman who eventually answered ( I did NOT give my phone number! ) that they had already been told NOT TO CALL. It got a little heated and the woman hung up. So I called again ( hey, it's THEIR dime ) and got someone else who *assumed* it was my husband calling -- so much for not giving them my phone number .... And I again said " It's illegal for you to call my house after you've been told not to do so! '' I then deleted the message and called my husband at work ( this may be a medical debt that he THOUGHT he had taken care of long since ) and he was going to try calling the number. | null | Receivables Outsourcing, Inc. | PA | 152XX | null | Consent provided | Web | 2018-05-22 | Closed with explanation | Yes | null | 2,915,139 |
2022-01-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11372 | null | Consent provided | Web | 2022-01-30 | Closed with explanation | Yes | null | 5,164,316 |
2023-03-12 | 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've filed a fraud case with AMEX on XXXX, XXXX 2023 regarding a transaction under XXXX XXXX WA for {$1900.00}. I was initially told the investigation would conclude within 30 days. Well it has been over 37 days and the charge remains on my account. The unauthorized charges have already been reflected on my credit report even though I was initially told that I wouldn't be liable for the amount. | null | AMERICAN EXPRESS COMPANY | CA | 91709 | null | Consent provided | Web | 2023-03-12 | Closed with monetary relief | Yes | null | 6,684,752 |
2022-11-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act. The list of Accounts below has Violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX account Account number : XXXX 15 U.S.C 1681 Section 602 A. States i have right to Privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It Also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | OH | 45440 | Servicemember | Consent provided | Web | 2022-11-25 | Closed with explanation | Yes | null | 6,240,725 |
2023-02-01 | 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 | null | EQUIFAX, INC. | AL | 36116 | null | Consent provided | Web | 2023-02-01 | Closed with explanation | Yes | null | 6,518,061 |
2015-07-15 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | Omega RMS has placed information on my credit report which is n't mine. I never initialized any business with this company. Omega is known for placing bogus information on credit reports. Please remove all derogatory remarks and thank you in advance. | Company chooses not to provide a public response | Omega RMS, LLC | FL | 34482 | null | Consent provided | Web | 2015-07-22 | Closed | Yes | No | 1,469,051 |