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2023-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have never conducted business with this company. | null | Waypoint Resource Group, LLC | MN | XXXXX | null | Consent provided | Web | 2023-06-01 | Closed with explanation | Yes | null | 7,051,596 |
2022-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 07105 | null | Consent provided | Web | 2022-09-15 | Closed with explanation | Yes | null | 5,987,430 |
2023-07-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect.
PLEASE CHECK ATTACHED LETTERS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27801 | null | Consent provided | Web | 2023-07-09 | Closed with non-monetary relief | Yes | null | 7,226,508 |
2021-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The accts listed below are in violation : 1.XXXX XXXX XXXX- XXXX 2XXXX XXXX XXXX XXXXXXXX 3XXXX XXXXXXXX XXXX XXXX XXXX XXXX 4.XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my consumer report.
This is also in violation of 15 U.S.C. 1692b. Which states that a consumer report from any reporting agency can only be furnished in accordance of the written consent of the consumer it relates to. I DID NOT GIVE WRITTEN CONSENT AND THAT IS FRAUD Failure to respond satisfactorily with deletion of the above referenced account and also a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation of Character 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g and 15 U.S.C. 1681b Also this letter shall be used as evidence in pending litigation provided you fail to comply under the FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10467 | null | Consent provided | Web | 2021-05-26 | Closed with explanation | Yes | null | 4,409,561 |
2022-09-05 | 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 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 21 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 old 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. | IL | 60616 | null | Consent provided | Web | 2022-09-05 | Closed with non-monetary relief | Yes | null | 5,949,053 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordancewith the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section:2 It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27406 | null | Consent provided | Web | 2022-04-27 | Closed with explanation | Yes | null | 5,508,514 |
2023-08-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I got a copy of my credit report some time ago and realized the credit bureuas are reporting 2 accounts as late that was never late. Delete the late payments from my consumer report, this agency is in violation of 15 USC 1681 : XXXX XXXX XXXX Account Number : XXXX I WAS NEVER LATE ON THIS ACCOUNT XXXX Account Number : XXXX I was never late on these accounts. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this you must delete these alleged late payments from my credit report per usc 15 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeDelete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. | null | EQUIFAX, INC. | TX | 752XX | null | Consent provided | Web | 2023-08-06 | Closed with explanation | Yes | null | 7,359,992 |
2020-09-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | TransUnion is not following the FCRA guidelines concerning consumer accounts. I am aware the FCRA promotes accuracy and fairness in the files of consumer reporting agencies. I am concern as this has made a tremendous NEGATIVE impact on my credit reports. After disputing with XXXX XXXX, XXXX via phone, the representative stated they were a third-party company that has no documentation with my signature to provide proof to " any '' customer. They didn't remove the account. I had reached out to TransUnion XX/XX/2020, and XX/XX/2020, informing that I have no account with XXXX XXXX, XXXX requesting them to remove the account. TransUnion " CLOSED '' the account but didn't remove the account. Not only " closing account '' is detrimental to any accounts of a consumer, but it gives lenders to think an individual can not pay their bills. TransUnion didn't delete an inaccurate and unverifiable account and couldn't provide proof to me in reference to these two accounts from XXXX XXXX, XXXX belongs to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 62269 | null | Consent provided | Web | 2020-09-04 | Closed with explanation | Yes | null | 3,830,818 |
2023-04-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37931 | null | Consent provided | Web | 2023-04-22 | Closed with explanation | Yes | null | 6,872,031 |
2020-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : 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. | LA | 704XX | null | Consent provided | Web | 2020-03-14 | Closed with explanation | Yes | null | 3,566,814 |
2023-01-27 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Public record information inaccurate | A property I used to live at in 2019 is reporting me on the tenant screening and I am having a difficult time finding stable housing. I have a voucher and every property I have applied denies me because it looks like I owe money to this property. The property had my name incorrect in the contract they provided the collection agency in addition to having the wrong move out date as XX/XX/2019 when I moved out in XX/XX/ 2019. Despite my efforts attempting to remove this it's been unsuccessful I even paid whatever they asked. I just really need this property to stop reporting me on the tenant screening as I do not owe them anything. Please see attached proof. | null | Professional Debt Mediation, Inc. | FL | 330XX | null | Consent provided | Web | 2023-02-16 | Closed with explanation | Yes | null | 6,490,336 |
2020-09-19 | 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 | Theres a few inaccurate accounts as well as personal info which need to be deleted immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28278 | null | Consent provided | Web | 2020-09-19 | Closed with explanation | Yes | null | 3,854,522 |
2020-05-20 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | I've contacted CitiCard regarding my XXXX credit card accounts via their online live chat on numerous occasions over the last two months. I paid off my account, over $ XXXX, in XXXX yet they continue to bill me for fees. I've contacted them now at least three times to resolve this, kindly asking for fees to be waived, however I received an email notification and collection call within the last few days requesting payment. The balance on this account is around {$23.00}, which are all fees. When the collection automatic dialer contacted me I selected the option to speak to someone, to which it hung up on me. Again not a good customer experience in the least bit.
I am beyond frustrated, furious and livid that this has now taken so much time to resolve. It's difficult to believe that three Citi Card associates have yet to resolve this concern. The first one asked me to call some other department, to which their call volume was so high you can't even get through. Then I contacted them back again, and again, but yet I still have a balance of fees.
In all I want this balance removed in full. Obviously, I can afford to pay {$23.00} but it's the principle at this point. In addition, if my account was reported to the credit bureau over this I will be contacting my attorney to set up a litigation case, and will sue CitiCard. I want this resolved and quickly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | OH | 43147 | null | Consent provided | Web | 2020-05-20 | Closed with explanation | Yes | null | 3,660,631 |
2022-09-12 | 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 filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the item listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/2017 | null | EQUIFAX, INC. | NY | 11219 | null | Consent provided | Web | 2022-09-12 | Closed with explanation | Yes | null | 5,970,050 |
2022-10-02 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | This is a complaint regarding Claim ID : XXXX I purchased what appeared to be tampered gift cards from a XXXX store. I tried resolving the issue with XXXX which is notorious for not having enough security to prevent gift card tampering. After iniitially taking my case, XXXX offered no resolution. At the same store I had in the past also received tampered XXXX XXXX XXXX, in that case XXXX recovered the cards and despite telling XXXX about the lapse, they did nothing to protect their inventory. By siding with the retailer here, BofA is saying there is no protection for buying tampered or fraudulent goods.
In the final denial, Bank of America has given me 2 reasons for denial of the claim : 1. BofA claims I did not try to resolve the issue with the retailer, this is incorrect, I had attached my communication with XXXX on the claim as well as in the response to additional info.
2. BofA claims that I had an opportunity to inspect the item hence the claim was ineligible. This is the most troubling reason. As per this clause, consumers have no purchase protection as soon as they step outside the store. This is obviously illegal and BofA knows this. I am willing to bet almost every claim resolved in favor of consumers due to faulty merchandise is a result of the claim being filed once the consumer has left the premises.
An analogy would be you purchase cooking oil but when you reach home, the oil bottle only has shampoo in it and BofA will claim that since you didnt inspect it at the store, the merchant has no liability. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | WA | 98052 | null | Consent provided | Web | 2022-10-02 | Closed with explanation | Yes | null | 6,040,605 |
2023-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | TransUnion are reporting these two closed tradelines with XXXX XXXX XXXX XXXX. THEY WERE REMOVED FROM MY XXXX REPORT AND MY XXXX REPORT. I AM REQUESTING FOR THESE TWO ACCOUNTS TO BE REMOVED IMMEDIATELY. TRANSUNION IS VIOLATING 15 USC 1681e. IF THEY DO NOT COMPLY I WILL FILE ANOTHER SUIT ON TRANSUNION. SEE ATTACHED WITH THESE ACCOUNTS ON MY UPDATED TRANSUNION REPORT AND NOTICED FROM XXXX REPRESENTATIVE SENDING ME NOTIFICATION THAT IT WAS BEING REMOVED FROM XXXX. TRANSUNION IS THE ONLY ONE REPORTING AGAINST FEDERAL LAW.
ACCOUNT # ENDING XXXX ACCOUNT # ENDING XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10462 | null | Consent provided | Web | 2023-08-19 | Closed with non-monetary relief | Yes | null | 7,427,413 |
2018-06-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In XX/XX/2018, I sent a certified letter with return receipt to Americollect regarding 2 erroneous and unverifiable entries that they are reporting on my credit reports. This was my second attempt to seek validation on the reporting of this entry. Americollect has not one time provided a dunning letter prior to placing this entry on my reports, nor have they attempted to respond to my requests.
In my latest correspondence to them dated XX/XX/2018, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the provider of service to release any medical information regarding the alleged debt as well as cease any credit bureau reporting until the debt had been validated by me. Americollect did not. This entry 's insertion on my credit reports is a blatant violation of my consumer rights and the mere fact that I have requested in writing, to this company, to provide specific information regarding this alleged debt and they did not respond, nor have they responded in well over 60 days, is yet another notable violation.
These entries must be deleted from my credit report immediately. | Company believes it acted appropriately as authorized by contract or law | AmeriCollect | GA | 31558 | null | Consent provided | Web | 2018-06-25 | Closed with explanation | Yes | null | 2,945,240 |
2020-04-17 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | This account was settled in full on XX/XX/2020 for {$760.00}. I have received letters stating that the account would be considered settled in full with a XXXX balance, but never an actual letter showing a XXXX balance despite multiple requests. They have also not updated the account with the credit bureaus since XX/XX/2020. I am trying to buy a house and need this resolved. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSWORLD SYSTEMS INC | TN | 37066 | null | Consent provided | Web | 2020-04-17 | Closed with explanation | Yes | null | 3,611,253 |
2023-03-31 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I disputed a charge on my debit card that occurred in XXXX, XXXX on XX/XX/22. I began my dispute process on XX/XX/22. The only way I could send my supporting documents to them was by fax. I faxed them my supporting documents and they said they never got them. They closed my dispute without reviewing any of my supporting documents. Then I went to my personal banker and asked her to help me so I had a witness to the documents that were being sent in. And again Wells Fargo Card Claim department said they didn't receive the fax. They closed the case and took the money out of my account again while I was out of State and they left me stranded with no money and without receipt of notification that they again closed the case without reviewing any of my supporting documents. I then started a 3rd case and this time I could email the supporting documents, which I did immediately. I just received notification that " too much time has passed '' and they won't reconsider my dispute, and I will have to contact the merchant directly. The merchant in this case is XXXX XXXX and they are connected to a cartel in XXXX and Wells Fargo is telling me that I need to contact them myself to get the matter resolved. This is dangerous!!! I was not provided ANY opportunity to have my supporting documents reviewed by Wells Fargo! It is wrong that they promise fraud protection when they don't review the documentation from the customer they promise to protect. They are supposed to protect the customer, not the fraudulent merchant! Customers of Wells Fargo Visa Debit Cards should know that Wells Fargo has poor dispute resolution practices. They will not review your documents and they will ask you to reach out to the merchant yourself, no matter how dangerous that is. This is wrong! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | WA | 98258 | null | Consent provided | Web | 2023-03-31 | Closed with explanation | Yes | null | 6,780,455 |
2023-03-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to the 3 bureaus directly through this platform. Here are the list of the inquiries that are erroneous in my file and need investigation : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 945XX | null | Consent provided | Web | 2023-03-06 | Closed with non-monetary relief | Yes | null | 6,657,389 |
2021-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XX/XX/XXXX Re : Acct # XXXXXXXXXXXXXXXX To Whom It May Concern : I'm writing to you because I noticed that my most recent credit report contains late payment ( s ) reported on XX/XX/XXXX for my XXXX/XXXX account.
I want you to know that I understand, and have great respect for my financial obligations.
Unfortunately, at the time of the incident mentioned above, I had I was never late on this account. You reported to my Experian that I had a late payment. Please update.. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
In the near future, I am planning on applying for credit card, and it has come to my attention that the missed payment ( s ) on my credit reports could hurt my ability to qualify.
In my heart, I know that the missed payment doesn't reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the late payment ( s ) on XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it!
Thank you for your consideration.
Have a blessed day! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 306XX | null | Consent provided | Web | 2021-10-24 | Closed with explanation | Yes | null | 4,839,292 |
2021-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report.
They can not legally report accounts containing information with my transactions, experiences, or any dealings with another company.
They are currently reporting my transactions and experiences with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX and XXXXXXXX XXXX. | null | EQUIFAX, INC. | FL | 32746 | null | Consent provided | Web | 2021-01-14 | Closed with explanation | Yes | null | 4,068,022 |
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 | n 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 a account without my written instructions | null | EQUIFAX, INC. | TX | 794XX | null | Consent provided | Web | 2022-05-01 | Closed with explanation | Yes | null | 5,523,856 |
2023-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33916 | null | Consent provided | Web | 2023-06-29 | Closed with explanation | Yes | null | 7,181,815 |
2022-04-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, Bank XXXX XXXX acct # XXXX, also XXXX XXXX XXXX XXXX 30 day late payment, and XXXX XXXX XXXX XXXX and 120 day late payments has violated my rights.
15 U.S.C. 1681 section 602 A. It also 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 withiut my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 270XX | null | Consent provided | Web | 2022-04-15 | Closed with non-monetary relief | Yes | null | 5,453,293 |
2017-09-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | XX/XX/XXXXI was denied credit by XXXX XXXX XXXX is perfect or near perfect so fearing data had been breached by Experian hack immediately checked all credit reports including Experian. Only anomaly that I was able to find was the date of birth was wrong. It was reported as XX/XX/XXXX vs correct year of XX/XX/XXXX. I went to Experian this morning XX/XX/XXXX and attempted to correct and website would not allow and only provided links to this site. I need a phone number or link to upload correct information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76051 | Servicemember | Consent provided | Web | 2017-09-25 | Closed with non-monetary relief | Yes | null | 2,683,459 |
2022-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60440 | null | Consent provided | Web | 2022-12-02 | Closed with explanation | Yes | null | 6,269,092 |
2023-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | null | EQUIFAX, INC. | NY | 11207 | null | Consent provided | Web | 2023-08-15 | Closed with non-monetary relief | Yes | null | 7,407,364 |
2017-06-22 | 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 | There is a negative item on my credit report from XXXX XXXX XXXX. I have no record of the account which was from 2003 and neither does XXXX XXXX XXXX. I have called them several times over the last two month and have been told that they do n't have anything listed under my social security number. I also opened an investigation with all three credit bureaus and Experian will not take it off of my report despite the fact that I submitted a written request detailing the issue. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90066 | null | Consent provided | Web | 2017-06-23 | Closed with explanation | Yes | null | 2,556,421 |
2021-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$260.00} | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2021-11-30 | Closed with explanation | Yes | null | 4,962,394 |
2023-04-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | null | EQUIFAX, INC. | PA | 15221 | null | Consent provided | Web | 2023-04-17 | Closed with explanation | Yes | null | 6,851,120 |
2023-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX XXXX {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$500.00} XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX Balance : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX : {$660.00} XXXX XXXXXXXX XXXX : {$140.00} XXXX XXXX XXXXXXXX Balance : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75243 | null | Consent provided | Web | 2023-02-16 | Closed with non-monetary relief | Yes | null | 6,583,756 |
2017-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Tried to see if I was affected by the Equifax hack, which is already outrageous that they 'd allow my data to be compromised in such a manner, and then their page says " come back later '' to see if I 'm hacked and I 'm under the impression that they signed me up for a service I did n't consent to. This needs to be handled NOW | null | EQUIFAX, INC. | CA | 92627 | null | Consent provided | Web | 2017-09-08 | Closed with explanation | Yes | null | 2,665,750 |
2018-03-08 | Debt collection | Federal student loan debt | Threatened to contact someone or share information improperly | Contacted your employer | They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people.
I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Navient Solutions, LLC. | IN | 46614 | null | Consent provided | Web | 2018-03-08 | Closed with explanation | Yes | null | 2,837,763 |
2023-03-01 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | Credit Management Inc is a 3rd party debt collector attempting to collect an alleged debt. I do not have any signed contracts with Credit Management Inc showing that I owe this company any money nor have I given written permissible purpose for Credit Managment Inc to obtain my personal information and even contact me. Credit Management Inc is in Federal violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. They have tarnished my consumer report with this false and misleading information, their negative reporting has cause me to be discriminated against when applying for credit due to their illegal practices. Their negligence has cause me undue hardship and is affecting my personal and family life. | Company believes it acted appropriately as authorized by contract or law | The CMI Group, Inc. | CA | 920XX | null | Consent provided | Web | 2023-03-01 | Closed with non-monetary relief | Yes | null | 6,631,449 |
2018-10-05 | Vehicle loan or lease | Loan | Incorrect information on your report | Account status incorrect | The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX bank will not remove it from my reports help. | null | Santander Consumer USA Holdings Inc. | NC | 28602 | null | Consent provided | Web | 2018-10-26 | Closed with explanation | Yes | null | 3,038,964 |
2021-06-30 | 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 INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON. | null | EQUIFAX, INC. | GA | 30066 | null | Consent provided | Web | 2021-06-30 | Closed with explanation | Yes | null | 4,505,747 |
2020-06-10 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Can't close your account | During the COVID - 19 pandemic, I attempted to make my regular on-line payment and had been 'locked out ' of my " XXXX '' App, and " on-line '' access to my credit card account. ( due to security reasons ). I contacted customer service via their toll-free XXXX #, and attempted to resolve any unresolved issues. I was notified that to continue, it would be mandatory that I submit an " I.R.S. consent form 4506 - T. '' I declined, and requested my DISCOVER credit card, and account be CLOSED immediately ...
XX/XX/2020 | null | DISCOVER BANK | CA | 92054 | null | Consent provided | Web | 2020-06-10 | Closed with non-monetary relief | Yes | null | 3,692,300 |
2021-01-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91387 | null | Consent provided | Web | 2021-01-10 | Closed with explanation | Yes | null | 4,059,015 |
2022-03-14 | 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 | Credit Card was charged for an amount that I could never afford for a vacation rental in XXXX, Colorado. I called the credit card company and they did take out the charge from my account and said they will investigate. I received a letter from the credit card company saying that the merchant still could place back the charge into my account. I have never been to Colorado and I am working in my state when my credit card was charged. I just hope to have an end to this matter. I am ready to close my account but because I would like to follow up with the result of the investigation not only for my benefit but also for the benefit of my fellow public consumers. Be vigilant on what is going on with your credit cards. I am thinking of just paying in cash right now. It is very scary especially that I am an elderly that could not follow things. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | MA | 02062 | Older American | Consent provided | Web | 2022-04-05 | Closed with explanation | Yes | null | 5,312,289 |
2021-03-27 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Don't agree with the fees charged | I have disputed this collection numerous of times they have yet to produce any of the information that I ask requestion through the 3 credit bureaus they always say updated information but it never confirms the accuracy of this charge no documentation has ever been giving to me or anything Im just being billed I dont even know the terms because I havent been giving any please remove this from my report it shows multiple inconsistencies certain dates say paid on one report than on another it says late this is in violation of my fcra. | null | Oklahoma Student Loan Authority | WI | 53406 | null | Consent provided | Web | 2021-03-27 | Closed with explanation | Yes | null | 4,251,607 |
2018-12-05 | Debt collection | Other debt | False statements or representation | Impersonated attorney, law enforcement, or government official | On XX/XX/XXXX i was contacted by Hillcrest, Davidson & Associates, LLC they stated there was a civil lawsuit against me with XXXX XXXX XXXX for XXXX dollars. I explained to Hillcrest, Davidson & Associates, LLC that my account with XXXX XXXX was personally closed back in XXXX and at that time had a XXXX balance. the women I was speaking with from Hillcrest, Davidson & Associates, LLC stated she would give me 24 hours to find documentation stating this if I could not then she would retract my file and pursue the lawsuit. Looking into this matter I was never contacted by XXXX XXXX stating I owed money via mail or email. the woman called me back the next day asking i fid out documents. I let her know that I was never contacted and I felt like this was false and I asked for further information about Hillcrest, Davidson & Associates, LLC and who they were. she stated she did not have to provide any information and hung up on me. today XX/XX/XXXX I personally called XXXX XXXX XXXX. The bank told me that I do not Owe XXXX dollars. I do owe XXXX dollars in fines but no action has been taken against me. They told me to go to a branch manager and have the fees waived. I then called Hillcrest, Davidson & Associates, LLC back today XX/XX/XXXX to let them know this and the lady became angry with me and stated " well get thrown in jail i dont know why your calling me back if you know so much '' then hung up on me. | null | Hillcrest Davidson & Associates | CA | 92807 | null | Consent provided | Web | 2018-12-12 | Closed with explanation | Yes | null | 3,092,319 |
2022-10-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am writing to you because I have been made aware of some incongruencies on my credit report. This is damaging my ability to qualify for a home loan, hurting me as a consumer, and causing me mental anguish. This needs to be attended to now.
Please see the items below.
Account Name : XXXX XXXX, XXXX.
Account NumberXXXX There is a late payment for XX/XX/2022, which is inaccurate. XXXX changed their payment policy without giving written notice to me the consumer, which violates the Fair Credit Billing Act ( FCBA ). I have been paying online with my bank account, and in XX/XX/2022 I was not allowed to pay with my bank account like I previously have done for over a year. I was forced to go inside the institution and pay with federal notes. Only then was I notified that XXXX only accepts federal notes in person for my credit card.
XXXX has violated the Truth in Lending Act, CFR 1026.5 General disclosure requirements by notifying me in writing of the change in our agreement.
My due date was on a Sunday, their institution was not open, nor did they allow me to pay the same way I have done for over 12 months.
XXXX has also violated 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
I never received notice, not 21 days before the payment was due, not anytime was a notified.
Experian and XXXX are violating 15 USC 1681B and 15 USC 1681C. Experian does not have my consent to report without my written consent, and they are false reporting.
Without my consent, that violates 15 USC 1681 c-1, No consent equals identity theft.
I have never been late on any payments with XXXX XXXX at any time, look at the history. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85016 | null | Consent provided | Web | 2022-10-23 | Closed with explanation | Yes | null | 6,116,280 |
2021-08-05 | Credit card or prepaid card | Store credit card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | Since XXXX, my payments to TD Bank ( XXXX XXXX XXXX XXXX Acct ) have been purposefully misapplied by TD Bank during the no interest promo period for two promotions expiring XXXX and XX/XX/XXXX. I have consistently paid more than my minimum due with the explicit direction to apply the overage to the XXXX and XX/XX/XXXX expiring promos. TD bank reps advised and confirmed they would apply my over payments as such and they have not. Ask them to provide the recorded conversations from the call center. They are applying the extra to all promos and this is incorrect. All payments over the minimum I was advised numerous times that the customer can apply to specific promo balances. After numerous calls to customer service and an email to " escalation management '' the saga continues to force me into being subject to higher interest rates based on its refusal to provide payment reconciliation and avoiding addressing the issue by conflicting messages by customer service reps/supervisors. Today alone, I was the phone for over an hour and transferred to 4 different persons and no one has answers. Customer service reps and supervisors now allege there are " bank laws '' that preclude them from correcting the mistakes. When I asked for the bank law citation or rule in the agreement, they refuse to substantiate the bogus reasoning or provide relevant references. This baffle them with confusion and hope they go away tactic is unacceptable and is an example of deceptive trade practices.
Please help me resolve. | null | TD BANK US HOLDING COMPANY | IL | 60643 | null | Consent provided | Web | 2021-08-05 | Closed with explanation | Yes | null | 4,604,813 |
2021-03-18 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | On XX/XX/2021 I received a first communication from Vengroff Williams regarding a supposed overpayment on short term XXXX related to my prior employer ( via insurance company The XXXX ). Around that time I spoke with a VW representative explaining that the issue regarding employment end date and the " overpayment '' existed somewhere between XXXX and The XXXX. Per VW 's recommendation, I attempted to work with XXXX to address the issue with them - they were ultimately unresponsive.
On or about XX/XX/XXXX, I contacted VW at XXXX to let them know that the error between XXXX and The XXXX could not be resolved due to unresponsiveness, but that I had written proof of the claim end date and my employment end date lining up and disputed the debt. Per VW 's instructions, I provided said evidence and my written dispute of the claim to XXXX with the claim number in the subject line on XX/XX/2021 at XXXX.
There has been no response from VW providing any contrary evidence since that dispute and they are now well beyond their window of time to continue to harass me over this claim. Still, today I received a letter dated XX/XX/2021 stating that " Despite repeated requests for payment, the balance remains delinquent and unpaid ''. | Company believes it acted appropriately as authorized by contract or law | Vengroff Williams, Inc | CT | 068XX | null | Consent provided | Web | 2021-03-18 | Closed with explanation | Yes | null | 4,226,739 |
2020-07-20 | Credit card or prepaid card | Store credit card | Fees or interest | Charged too much interest | My statement for XXXXSynchrony Bank account ending in XXXX shows a {$1200.00} interest charge on XX/XX/17. The agent stated that once the promotion was up, I was charged interest for the full previous year. I've never heard of this. Usually your promotion is up and interest STARTS at the month the promotion ends. So i had a $ XXXX balance and was charged {$1200.00} in interest? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | VA | 231XX | null | Consent provided | Web | 2020-07-20 | Closed with explanation | Yes | null | 3,753,987 |
2016-07-25 | Debt collection | Other (i.e. phone, health club, etc.) | Disclosure verification of debt | Not given enough info to verify debt | I was a member of XXXX XXXX, XXXX, NY. When I joined the XXXX XXXX, In XXXX XXXX, I informed XXXX of my XXXX and asked to terminate contract. My mailing address was in NY, so I did not receive anything of the debt until XXXX XXXX. I received a letter from the gym stating owing them debt dated XXXX XXXX. I contacted the Gym, and they directed me to First Credit Services debt collection. I contacted First Credit, and spoke to XXXX XXXX. He told me that I owed them {$430.00}, which was considerably higher than the amount the Gym claimed I owed. I have not received any written notice of the debt from First Credit Services, and I gave them an updated address. I have sent a letter requesting a validation of the debt, but I have not received anything. | Company believes it acted appropriately as authorized by contract or law | First Credit Services Inc. | NC | 285XX | Servicemember | Consent provided | Web | 2016-07-25 | Closed with explanation | Yes | No | 2,029,268 |
2020-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I asked the credit bureaus to supply me with original documentation that they verified the bankruptcies listed on my credit report because i contacted the court in which it shows filed and they said they didnt report this inaccurate information to the bureaus or any 3rd party data furnishers | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MS | 39042 | null | Consent provided | Web | 2020-01-22 | Closed with explanation | Yes | null | 3,505,637 |
2023-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | TX | 761XX | null | Consent provided | Web | 2023-02-28 | Closed with explanation | Yes | null | 6,629,054 |
2021-10-19 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | I've spoke with Wakefield and Associates four times to have three medical bills removed from my credit report. They were made in error by XXXX XXXX. XXXX requesated them to be cleared from my credit report and Wakefield has refused to provide me with any information to show they have complied. The last time I spoke with an agent with Wakefield she placed me on a ten minute hold then told me " We have a process and hung up on me. '' | null | WAKEFIELD & ASSOCIATES, INC. | OK | 731XX | null | Consent provided | Web | 2021-10-29 | Closed with explanation | Yes | null | 4,822,758 |
2022-06-10 | 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 attached and FTC report with an account and inquiries I did not authorize | null | EQUIFAX, INC. | FL | 33407 | null | Consent provided | Web | 2022-06-10 | Closed with explanation | Yes | null | 5,658,216 |
2023-01-21 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Being charged with overdraft fees even though i transferred funds from savings account to cover the bills that are about to come out of my checking account. It happened twice last year and one time the year before that. And every time I called customer service they stated that the system processed the debited transactions first before the crediteven though I have either deposit cash at the ATM or transfer directly from savings with them myself first. And when they realized that I was correct, they only refunded half of that overdraft fees. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | FL | 33334 | null | Consent provided | Web | 2023-01-21 | Closed with explanation | Yes | null | 6,466,454 |
2019-12-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX #XXXX is reporting a collection to my account and I have no idea what it is from. I do not know who the original creditor is and I never had any kind of debt with them. This collection is not mine and I do not know why it is on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | UT | 84095 | null | Consent provided | Web | 2019-12-10 | Closed with explanation | Yes | null | 3,463,978 |
2020-01-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | First Progress did not send me a bill. I sent them a hand written invoice with a check for {$93.00}. They did not recieve the payment by the due date. They reported this as a late payment affecting my credit score. I wrote them asking for them to remove the negative mark from my credit report. they wrote back saying they where not at fault and could not remove the negative mark.
This happened once before and fortunately I caught it in time to send a hand written invoice with payment. | null | Synovus Bank | TX | 77351 | null | Consent provided | Web | 2020-01-25 | Closed with explanation | Yes | null | 3,508,956 |
2022-03-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XXXX of 2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Drivers license and social. | null | EQUIFAX, INC. | FL | 33025 | null | Consent provided | Web | 2022-03-07 | Closed with explanation | Yes | null | 5,294,373 |
2022-12-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the several time I've complained about being a victim of identity theft. XXXX and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | GA | 30134 | null | Consent provided | Web | 2022-12-26 | Closed with explanation | Yes | null | 6,362,164 |
2023-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | null | EQUIFAX, INC. | NC | 273XX | null | Consent provided | Web | 2023-02-13 | Closed with explanation | Yes | null | 6,561,618 |
2023-02-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | IL | 60714 | null | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,552,524 |
2021-10-28 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I am filing this complaint because my rights as a consumer have been violated under the FCRA 15 U.S CODE 1681S -- 2 - RESPONSIBILITIES OF FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES ) AND ( FDCPA 15 U.S CODE 1692E - FALSE OR MISLEADING REPRESENTATIONS, due to NO RESPONSE from ONEMAIN | null | OneMain Finance Corporation | TX | 75604 | null | Consent provided | Web | 2021-10-28 | Closed with explanation | Yes | null | 4,852,295 |
2023-02-09 | 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 this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 Transunion more than 88 times in the last 120 days. transunion 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION 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 SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60643 | null | Consent provided | Web | 2023-02-09 | Closed with non-monetary relief | Yes | null | 6,550,465 |
2017-08-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I tried to apply for a gas card through XXXX and was denied due to showing 12 hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports. 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX ( XX/XX/XXXX 3.XXXX UT XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NM | 88011 | null | Consent provided | Web | 2017-08-16 | Closed with explanation | Yes | null | 2,630,778 |
2019-11-26 | 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 | AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. | null | EQUIFAX, INC. | NY | 10461 | null | Consent provided | Web | 2019-11-26 | Closed with non-monetary relief | Yes | null | 3,451,428 |
2017-11-14 | 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 | Equifax credit report open pass due account XXXX XXXX XXXX orig XXXX XXXX XXXX hospital, filed a complaint with equifax that this account does not exist .it was previously removed and then reappeared, i called XXXX XXXX XXXX they stated XXXX balance, sent me a copy that i sent to equifax, they have not responded 2 my complaints over 4 months | null | EQUIFAX, INC. | FL | 34668 | null | Consent provided | Web | 2017-11-14 | Closed with non-monetary relief | Yes | null | 2,728,371 |
2022-04-24 | 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 | NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B | null | EQUIFAX, INC. | PA | 19104 | null | Consent provided | Web | 2022-04-24 | Closed with explanation | Yes | null | 5,491,254 |
2021-11-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This has been reported to XXXX XXXX, equifax, and XXXX XXXX different times.
On XXXX XXXX I was in a car accident. On XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX A check for {$12000.00} Inwich was the balance that was owed on the car. XXXX XXXX has confirmed that this balance has been paid off but these credit bureaus do not want to do there job and correct there mistake. These credit bureaus with there actions keeps costing me thousands of dollars because they do not know what they are doing and they keep XXXX up my credit report when they do not do there job. I have attached a XXXX receipts from XXXX XXXX | null | EQUIFAX, INC. | null | XXXXX | null | Consent provided | Web | 2021-11-29 | Closed with explanation | Yes | null | 4,954,579 |
2017-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tel : XXXX Consumer Finace Protection Bureau XXXX XXXX XXXX XXXX.
XXXX, D.C. XXXX To whom It May Concern I XXXX XXXX would like your help on cleaning up my credit. I am a single mother of XXXX a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I always use to pay my bills on time and had perfect credit until I lost hours working with XXXX XXXX XXXX and had to find another job with the new job XXXX XXXX XXXX I was making way less than I was with XXXX XXXX. I would pay my bills on time Until I got pregnant with my daughter in XX/XX/XXXX, I wasnt able to do much lifting with my XXXX I was constantly in pain from the beginning of my XXXX. OnXX/XX/XXXX I went to the doctor and was given a letter for light duty XXXX XXXX XXXX said they were not able to accommodate light duty so the doctor placed me on bed rest for the remainder of my XXXX I was XXXX XXXX XXXX XXXX. As a result of that I went home with no pay and I could not draw unemployment because I was still employed with the company.
As a result of that my credit started going down hill I never started working again until XX/XX/XXXX after a separation from my husband with XXXX young children. I moved to XXXX and once I started working I started making payments on my car note every two weeks until I was current. It was a lot but I did it with determination. Because I was trying to mentain my good credit which was very hard seeing I only made {$9.00} and {$9.00} after my first three months.
I also cleared my credit card bill up once I was working then they started putting things on my credit. XXXX XXXX XXXX put a bill on my credit I bought a package from them in early XX/XX/XXXXfor {$600.00} I wasnt able to do all my treatments because of work I wasnt able to go out there anymore and I found out I was XXXX so I couldnt do the treatments anymore. I informed them of my situation and they told me I could always come when I am ready after I have the XXXX. I was still paying on it but sometimes I would pay late and they would charge me a late fee. At one time I checked and I had paid them over {$700.00} and they were still charging me. But I didnt have the money I wasnt working and I called them sent them letter of my situation and still they did nothing about it, and they closed the company down and still wanted me to pay them so I was not able to go back and finished my treatments XXXX XXXX XXXX closed their doors and I was not able to go finish and they still wanted me to pay and I was paying. I made arragements to pay every two weeks but I had a lot of bills I was trying to clear up and while I was on a payment arrangement one week I couldnt pay and I called them and they said ok when I called back to pay they placed the account in collections with a balance of {$180.00} I think that was very very wrong and I was not treated fairly in the same time I got separated from my husband lost my mom to XXXX XXXX with XXXX young children all on my own in a new state as a result my credit is ruined I was not able to pay my car note on time with XXXX XXXX XXXX or my Credit Card bill and I understand that they have to report every late payment but I told them of my situation they didnt take the car which I think was nice of them but every late payment was reprted and I want to see if I could have some of those late payments removed if I could get some credit forgiveness or something cause I hate the idea that my credit is ruined because of my situation and I wont be able to provide a decent life for my babies because your credit score is everything and I am not a person who just do not want to pay their bills but I fell on some really really hard times and it has been very difficult for me to even I moved back to XXXX and I am a single mom of XXXX as I have said before my rent and my household expenses and daycare fees are more than I make but I am trying really hard to maintain a roof over our heads. I work really hard but I only make {$12.00} an hour and I just basically need some help in repairing my credit the legal way because seven years is a long time to wait and I would really love to purchase a home for me and my XXXX children soon. I think I would be better off with a mortgage with more space and a back yard for my kids to play in. I pay every bill you would pay in a house right now in my apartment. I would just appreciate your help in resolving some of my credit issues I have ordered my credit report from all three credit bureaus. Please I need your help. Also the Apt I was living at the time in XXXX XXXX XXXX I moved to XXXX in XX/XX/XXXX I gave them a notice I never kept a copy thats where I went wrong but I moved and I left my husband in the apartment and he said he saw the letter there after I left he never kept the letter either and he moved out on the XX/XX/XXXX and they wrote me said I owe them over {$2000.00} I tried to tell them I did give my notice in but they said they couldnt find it and because I couldnt find it either I had to pay them all I think it was {$2300.00} I got my taxes back and I paid them everything all at once. I think that was wrong they knew they got a notice but they said it wasnt in the file. They placed that in collections too but once I paid they took it off. But that too was unfair cause I did give them a notice. Also XXXX sent me a bill and when i called them to pay the bill which was {$95.00} they waid it was already paid i only owe them {$12.00} which i paid and told them to closed the account. Only to get a bill from them almost a year after saying i owe the {$80.00} after my investigation they said someone else called in to pay their bill and they posted it on my account in error, so now i owe them and they placed it in collections i paid them then i wrote the credit bureau and i think they removed it but in case they did'nt i think you sould know about that too.
Please I need some help Sincerely, XXXX XXXX | null | Bread Financial Holdings, Inc. | GA | 30291 | null | Consent provided | Web | 2017-08-18 | Closed with non-monetary relief | Yes | null | 2,643,789 |
2018-05-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I contacted XXXX XXXX mortgage divison and spoke with a representative to get the fax number, to send up my borrowers authorization/ Power of attorney, and to go over the processes/ procedures in requesting a goodwill of removing three mortgage lates off the clients credit report. On XX/XX/XXXX, I fax in goodwill letter and all documentation related to the events that occurred.
On XX/XX/XXXX, I had call back to the mortgage servicing department to confirm they have received all the documentation that was sent by fax. The representative did confirm that they received all documentation and again reminded me that it would take 7 to 10 business days for the credit reporting department to make their decision. On the seventh business day I reach back out to the same department and another representative had confirmed that decision had gone in our favor. She proceeds to informed me that it would take up to 60 days for the lates to be fixed on the credit. At that point, I asked her if she had the ability to have a letter generated reflecting the credit decision of removing the lates and faxed to me. She stated that should not be an issue.
When I had not recived the letter the following day, I reach out to the customer services department again. I spoke with a different representative and she did confirmed that Credit department did reverse the negative marks on the credit report and she would put in another request to have a letter sent to me by fax and or email. At that point, I confirmed with my client that the lates were in the process of being removed.
The following week on XX/XX/XXXX, I called XXXX XXXX once again and informed them that I still not received the Letters. The customer service rep looked back through the notes, confirmed all of the conversations that I had with the previous Reps. She also confirmed that I was supposed to be receiving a letter showing that the lates have been remove off the tradeline. she placed me on hold for just a few moments, then proceeded to have the letters faxed.
Once I receive the documentation from the credit department, I was very shocked and confused. The documentation I had received did not reflect the original credit decision provided to me by phone. Nor did the paperwork reflect anything regarding a request of goodwill. All the letter stated was that the late were accurate and then if we had any other issues regarding these leaks we were more than welcome to mail a dispute in.
I called and spoke to several different types of representatives including supervisor and a complaint representative. No one could tell me anything, except we are looking into the matter and we will open an investigation, which will conclude on XX/XX/XXXX. Unfortunately, I became upset and did raise my voice, which was not the correct response.
I have three main issues with this situation : 1 ) Did the credit dispute department bother to read the paperwork that was provided to them or did they just look at the notes on the account. And If that was the case, why bother to gather any information or put together any type of request.
2 ) Why do I have three different representative telling me that the credit decision went in my favor? I would also like to know, why the supervisor is unable to take a look at the notes that were in the account and answer that question immediately instead of giving me a very rude response and passing me off.
3 ) If XXXX XXXX does not good will any lates off a credit report, then why would XXXX XXXX have a procedure in place for that type of request.
I believe that I'm being discriminated again, because of the amount of loan I have with XXXX XXXX. It seem everything was just fine and they were willing to work with us, until my mortgage broker called in and requested a payoff. They are doing everything available to keep me with them. I did research regarding goodwill payments and I found that XXXX XXXX has done a lot of good willing lates off a credit report due to natural disasters issues like mine and other reason. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | KS | XXXXX | null | Consent provided | Web | 2018-05-02 | Closed with explanation | Yes | null | 2,894,063 |
2022-09-17 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | Well I had a company trying to charge my account with a subscription that had been canceled they tried with XXXX different fictitious names for their company and each one of them had I had the money in my account would have been debited to them I told cash app every time they did it I wanted them blocked they had no right to take my money I tried to stop put a stop payment on it several times to no avail finally they got the money out of my account I disputed it I'm on the XXXX day without a word from them I've had to contact them every day trying to get my money back trying to get the temporary provisional credit and nothing I can't even get anybody tell me the same straight story I can keep getting told their specialty team is escalating it I was told by XXXX person I didn't even have a dispute phone I was just told yesterday that it would be taken care of yesterday evening or this morning so I've been on here with them all day and I can't get anybody to just ignore me now I showed them in their own terms and conditions what it said that they have XXXX days after the XXXX days they have to either tonight or give me a provisional credit I'm on the XXXX day and everyone acts like it's no big deal I don't know what to do I keep getting lied to for some generic answers given to me over and over and over I called the company to try to get my money back they told me they would refund it to me I've never seen it that's why I disputed after that I disputed it I then called back the week after right before I did dispute it and they were reward center now they're not even the same company but it's the same employees working there saying it's not them and I know because I spoke with XXXX of them on the phone they're scam XXXX and that's all they're doing I don't understand how that's a hard investigation to pull off when I tried to stop payment on it to begin with that's where it should have been to that and I told them that it's all in the transcripts all in the transcripts of me chatting with support everyday for XXXX months now almost | null | Block, Inc. | OH | 443XX | null | Consent provided | Web | 2022-09-17 | Closed with explanation | Yes | null | 5,991,724 |
2015-09-02 | Student loan | Non-federal student loan | Can't repay my loan | Can't decrease my monthly payments | My husband graduated during the recession, had to defer for a few years because the job he got for his career could not afford the payments Navient/XXXX XXXX was saying he needed to pay. Went to grad school and graduated in XXXX 2015 and had to start making payment on the undergrad student loans, first payment being XXXX 2015. Filled out paperwork that rep said we qualified for a program to lessen the amount we had to pay monthly from {$1200.00} to {$850.00}. Called to set it all up and they said the new amount would be {$900.00}. This is half of his annual salary and is no way we can afford that. They have not been returning phone calls or willing ot work with us and have a lesser monthly payment. We want to make these payments but they are causing a lot of financial hardship because they are not being flexible. We need help with the monthly payments and they wo n't ever help us or give us a rep that who knows what they are talking about and being very unforgiving even though we want to make payments that are affordable. | null | Navient Solutions, LLC. | SC | 29170 | null | Consent provided | Web | 2015-09-02 | Closed with explanation | Yes | No | 1,549,315 |
2020-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I've tried writing them to correct the errors on my report or remove the inaccurate tradeline if they're unable to truly validate the information. I have copies of FCRA violations going back almost a year. And all I get from the CRA is Verified as Accurate, and their letters saying they will not investigate this anymore. But clearly anyone can see from the reports pulled from XXXX XXXX XXXX, XXXX, XXXX XXXX, AND the Credit bureau itself ALL have incoherent information. I even sent them copies and ask how did they verify, and I got their same response, Verified as accurate, or meets FCRA requirements. I don't think the FCRA allows blatant account errors across all 3 bureaus, considering they ARE contacting the source, they should get the same info right? I have files for proof of the violations, and proof they've dismissed them for months. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85204 | Servicemember | Consent provided | Web | 2020-07-28 | Closed with explanation | Yes | null | 3,767,660 |
2022-09-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NY | 11219 | null | Consent provided | Web | 2022-09-14 | Closed with explanation | Yes | null | 5,982,419 |
2020-09-16 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | company reported a 30 day late on my account in XX/XX/XXXX during the pandemic in error, they did apologize for the mistake and fixed my 3 credit bureaus, but today XX/XX/XXXX i logged into my account and they changed my account credit limit from {$5900.00} to {$750.00}! Even though they recognized they messed up and cleared it, they reduced my credit limit as if I was a delinquent client. | null | Bread Financial Holdings, Inc. | NY | XXXXX | null | Consent provided | Web | 2020-09-16 | Closed with explanation | Yes | null | 3,850,607 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am in possession of the documents submitted by Great Lakes as proof that I obtained a lease from them. They did not provide anything with my signature and nothing showing they verified my identity. They did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide SIGNED DOCUMENTATION of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law. At this point I have made multiple attempts for this company to cease sharing all personal and private information with ANY AND ALL THIRD PARTIES, INCLUDING CREDIT REPORTING AGENCIES AND THEY HAVE NOT COMPLIED TO FEDERAL LAW. They quote that a wet signature is not needed by the law they cited but by that same law they are also required to provide an option to opt out of electronic services where they clearly and conspicuously explain the softwares needed to use these services and express ability to opt out. Please provide this documentation as well. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. So far none of this has been provided. It is my right as a consumer and they are refusing to cooperate in good faith.
According to 15 U.S. Code 7001 - General rule of validity, ( c ) Consumer disclosures ( 1 ) Consent to electronic records Notwithstanding subsection ( a ), if a statute, regulation, or other rule of law requires that information relating to a transaction or transactions in or affecting interstate or foreign commerce be provided or made available to a consumer in writing, the use of an electronic record to provide or make available ( whichever is required ) such information satisfies the requirement that such information be in writing if ( A ) the consumer has affirmatively consented to such use and has not withdrawn such consent ; ( B ) the consumer, prior to consenting, is provided with a clear and conspicuous statement ( i ) informing the consumer of ( I ) any right or option of the consumer to have the record provided or made available on paper or in nonelectronic form, and ( II ) the right of the consumer to withdraw the consent to have the record provided or made available in an electronic form and of any conditions, consequences ( which may include termination of the parties relationship ), or fees in the event of such withdrawal ; ( ii ) informing the consumer of whether the consent applies ( I ) only to the particular transaction which gave rise to the obligation to provide the record, or ( II ) to identified categories of records that may be provided or made available during the course of the parties relationship ; ( iii ) describing the procedures the consumer must use to withdraw consent as provided in clause ( i ) and to update information needed to contact the consumer electronically ; and ( iv ) informing the consumer ( I ) how, after the consent, the consumer may, upon request, obtain a paper copy of an electronic record, and ( II ) whether any fee will be charged for such copy ; ( C ) the consumer ( i ) prior to consenting, is provided with a statement of the hardware and software requirements for access to and retention of the electronic records ; and ( ii ) consents electronically, or confirms his or her consent electronically, in a manner that reasonably demonstrates that the consumer can access information in the electronic form that will be used to provide the information that is the subject of the consent ; None of which has been provided. | null | Nelnet, Inc. | CA | 92345 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,925,106 |
2022-07-10 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 347XX | null | Consent provided | Web | 2022-07-10 | Closed with explanation | Yes | null | 5,755,615 |
2021-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Problem with a company's investigation into an existing issue | Difficulty submitting a dispute or getting information about a dispute over the phone | on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise. | null | Verisk Analytics Inc | SC | 290XX | null | Consent provided | Web | 2021-10-25 | Closed with explanation | Yes | null | 4,805,618 |
2022-09-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Again, I was a victim of identity theft and this is another request to remove the information 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 not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29715 | null | Consent provided | Web | 2022-09-23 | Closed with non-monetary relief | Yes | null | 6,013,709 |
2023-03-31 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | Got a phone call from XXXX, claiming to be Chase bank.
Told me that they had been monitoring my credit report ( I don't have a Chase account, so they should not be able to check my credit report ) and wanted to offer me a credit card. I stopped the call at this point. | null | JPMORGAN CHASE & CO. | CA | 90815 | Older American | Consent provided | Web | 2023-03-31 | Closed with non-monetary relief | Yes | null | 6,779,929 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX, EQUIFAX, AND XXXX ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE 100 PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, EQUIFAX RESPONDED ON XX/XX/2022 AND XXXX RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND 100 PERCENT ACCURATE.
BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT 100 PERCENT ACCURATE PER THE LAW.
THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS.
I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL.
THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : XXXX : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' XXXX : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( EQUIFAX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS. | null | EQUIFAX, INC. | SC | 29229 | null | Consent provided | Web | 2022-09-08 | Closed with explanation | Yes | null | 5,963,124 |
2023-05-03 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Other problem | Goldman Sach 's is stating that they never received the payment on the credit card which is more than enough to pay off the balance.
I am not able to get this resolved.
I have enclosed proof of the cancelled check.
Thank You!
XXXX XXXX XXXX | null | GOLDMAN SACHS BANK USA | IN | 46123 | Older American | Consent provided | Web | 2023-05-03 | Closed with explanation | Yes | null | 6,924,350 |
2022-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | To whom it may concern, Several months ago, I checked my credit to find that XXXX and Experian ( henceforth known as defendants ) : were reporting inaccurate information on my credit report, which puts them in violation of federal law FCRA 609. 611 and 15 U, S, C, 1692-1692p I'm requesting the CFPB office to investigate this matter to bring charges against the defendants for there violations of the Law based on the following facts : On XX/XX/2022 I sent a notarized, certified letter with a return receipt ) to defendants requesting to verify the incorrect information that is being reported by doing the following according to FCRA 609 : I. send me the copy of the originals contracts bearing my signature for each account listed ( see letter One ) 2.send me any and all other information or evidence you have on files pertaining to the accounts listed ( see letter one in attachments ) 3. Name, address. phone number and mailing address for each person involved in this investigation, The defendants had 30 day to provide this information by law On XX/XX/2022 I sent my second letter asking for the same information certified with return receipt ( see second letter attached ) defendants had 15 days to respond and provide me with my requested information by law On XXXX I sent my third letter certified with return receipt to defendants ( see attachment ) as of this letter defendants have failed to comply with the law In conclusion the defendants must provide me with everything i requested above or at least an explanation as to why they can not send or show you the evidence, As a result of defendant 's inaccurate reporting, I have been denied credit opportunities Relief sought : that defendants remove all information that they have not sent me the information i requested and all other inaccurate reported accounts and that that the attorney General office file charges on defendants for them being in violation of the FCRA XXXX
If you need the return receipts I will send them upon request Thanking you in advance XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33510 | null | Consent provided | Web | 2022-08-17 | Closed with explanation | Yes | null | 5,889,285 |
2023-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am writing to file a complaint regarding the XXXX late payment report on my credit report by Goldman Sachs XXXX which I believe was done illegally. I strongly believe that the report is false and caused by issues on Goldman Sachss end. I request that the late payment report be removed from my credit report immediately.
There are multiple reasons to support my claim. Firstly, I was locked out of my account by Goldman Sachs when I created a new Apple ID/Email address, and they couldnt provide me with a way to access my account online or update my email/Apple ID address on the account. This caused me to miss seeing unauthorized charges made to my account and the ability to update my bank information to pay the account in full and close it.
Secondly, I paid off the card in full on XX/XX/2022 ( before my Apple ID was changed ), assuming that the card would be at {$0.00}. I canceled all my subscriptions and updated all my payments to other credit cards. However, I kept being charged for subscriptions I did not recognize or that were canceled, XXXX {$24.00}, and Apple.com/bill for {$9.00}, charging me without authorization a total amount of {$34.00} for 7 months ( XXXX ). Since I couldnt access my account, I wasnt aware of these charges, which led to a late payment.
Thirdly, I reached out to Goldman Sachs via Apple Chat and phone calls on XX/XX/XXXX, XXXX, and XX/XX/XXXX, explaining that I wanted to access my account. I explained to them that I had switched to a new Apple ID account, but they told me that they couldn't help me update the account. Eventually, I was able to recover my old account through Apple and gain access to the Apple Card portal, but by then, it was too late. I scheduled payment on XX/XX/XXXX via the online portal, and although I told the representative my situation ( on XX/XX/XXXX prior to the 30-day late report ), and since he couldnt help me access the account, I told him that I would try to recover access through Apple and just to note it and not report me because of that circumstance. One day later, payment was scheduled, but they still reported me late.
I strongly believe that Goldman Sachss negligence in creating a proper portal and system for users has caused me great damage to my financial reports. They have not covered the scenario where users of their credit card may change Apple IDs in the future, and they should offer access or the option to update the email/Apple ID. As a result, I seek the removal of the 30-day late payment report from my credit report.
I do not seek any fee reimbursement, only the removal of the late payment report from my credit report. I believe that this late payment report was made illegally and without proper justification. I would appreciate a prompt resolution to this issue. Please contact me if you require any further information or documentation.
Thank you for your time and consideration. | null | GOLDMAN SACHS BANK USA | FL | 341XX | null | Consent provided | Web | 2023-02-15 | Closed with monetary relief | Yes | null | 6,576,215 |
2023-01-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXXXXXX XXXX XXXX have not reported that rental amount that I owed as paid on my credit report. This was paid by Alabama rental assistance. I have documentation to show as proof. This was paid in 2021 in two installments first amongst was {$1500.00} and the second amount for {$1900.00} | null | EQUIFAX, INC. | AL | 36301 | null | Consent provided | Web | 2023-01-08 | Closed with explanation | Yes | null | 6,411,886 |
2017-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear XXXX XXXX/ Equifax : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; Equifax has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ XXXX XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX | null | EQUIFAX, INC. | LA | XXXXX | null | Consent provided | Web | 2017-06-24 | Closed with non-monetary relief | Yes | null | 2,558,019 |
2019-04-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft and have had my information compromised several times. I have submitted documentation to compass bank and XXXX XXXX credit card several times pertaining to fraud on my bank account and credit cards to which I have not received any phone calls or assistance in resolving. In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX my account was compromised as well as in XX/XX/XXXX and XX/XX/XXXX. I have completed a police report in reference to said incident in which someone gained access to my XXXX XXXX account and processed a fraudulent transaction. This has caused many issues with my checking account in which the bank acknowledge and funds were released to said creditors. Compass bank has failed act reasonably to aid in this issue and closed my credit card. | null | BBVA FINANCIAL CORPORATION | TX | 78653 | null | Consent provided | Web | 2019-04-17 | Closed with explanation | Yes | null | 3,215,222 |
2023-01-20 | 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 | remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/2021 off my report with monetary relief for damaging my score and getting denied opening bank account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Fidelity National Information Services, Inc. (FNIS) | LA | 701XX | null | Consent provided | Web | 2023-01-20 | Closed with explanation | Yes | null | 6,465,560 |
2022-10-24 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | On XX/XX/XXXX I received an email from my financial monitoring company saying a change had been identified in my credit. I then logged on for details and found that I new credit hard had been open in my name. I never opened a credit card with Bank of America ( BOA ).
Information on credit report- XX/XX/XXXX a XXXX XXXX at Bank of America was open with a limit of {$22000.00}.
It said number was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I called Bank of America XXXX XX/XX/XXXX and inquired about the account. I was told they did see an account in my name. I reported it as fraudulent. I wanted more information on how this could happen but had to go due to life demands.
I then called on XX/XX/XXXX and received several transfers over 43 minutes at which time I had mentioned that this was a fraudulent account multiple times. At this point it appeared that this card is closed but I requested written information on how this even happen which they have not provided me.
XX/XX/XXXX I received a letter saying that my application had been approved for an application for a credit card of XXXX. I have not opened a credit card with Bank of America. I had even already notified them that this was fraudulent.
I called again on XX/XX/XXXX to ask for information regarding how a card was opened in my name.
The first person I spoke with XXXX from the the BOA Fraud Applications department at XXXX who gave me the following information about the application.
XXXX was an online application reference number XXXX from IP number XXXX located in XXXX XXXX CA ( This is not my IP address or city of residence ).
She then said I would need to be transferred to another portion of the fraud department ( she could not provide me with a number ). When transferred I received a recording saying my claim had been made and they would be sending me a new card in 10 days. ( I reported fraud not the need for a card. ) I then called again to XXXX to get more information and ask how this account could even still be open after reporting it as fraud multiple times. She said to me that it had been close and she could not see it open and is unsure why they would say that. I asked for written information that the account was close and she said she couldn't provide that but she could send me a copy of the application. I agreed that it would help but still want more information which they have not been able to help me with. She gave me a case Id # for the application request XXXX.
My credit report still show a credit card with BOA and I need help holding Bank of America responsible for letting the fraud get through and providing me with information that the account is closed and how they can help make sure it is removed from my credit report.
Please help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92563 | Servicemember | Consent provided | Web | 2022-10-24 | Closed with non-monetary relief | Yes | null | 6,122,069 |
2021-09-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | In reference to the listed accounts : XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX.
I requested the Description of the investigation into these accounts on XXXX. According to section 611 ( A ) ( 7 ), XXXX was required to provide this information within 15 days of requested. They have not done so and is violating my rights to obtain a Description of their investigation. I have tried several times to get this information and they seems to refuse to provide it. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 31093 | null | Consent provided | Web | 2021-09-02 | Closed with explanation | Yes | null | 4,684,903 |
2022-08-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | null | EQUIFAX, INC. | FL | 331XX | null | Consent provided | Web | 2022-08-17 | Closed with explanation | Yes | null | 5,889,606 |
2015-05-13 | Debt collection | Credit card | False statements or representation | Attempted to collect wrong amount | Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal. | Company believes it acted appropriately as authorized by contract or law | Atlanticus Services Corporation | IL | 60148 | null | Consent provided | Web | 2015-05-14 | Closed | Yes | No | 1,373,427 |
2018-05-02 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | IQ Data continues to call regarding a debt that is in a legal dispute. They also placed the debt on my credit as a collection even though they are aware the amount and matter is a legal matter.. They continue to call me after I advised them this is a legal issue. | Company believes complaint represents an opportunity for improvement to better serve consumers | I.Q. DATA INTERNATIONAL, INC. | TX | 75013 | null | Consent provided | Web | 2018-05-07 | Closed with explanation | Yes | null | 2,893,827 |
2017-10-29 | Student loan | Private student loan | Dealing with your lender or servicer | Need information about your loan balance or loan terms | Around approx XXXX I consolidated all of my student loans. I started having financial problems and became delinquent and in XXXX filed for bankruptcy. Through my entire bankruptcy, I was not contacted. After my bankruptcy was finalized in XXXX, I was excited to be able to reclaim my credit. I immediately called the XXXX Student Loan XXXX and set up my payments at the full amount of XXXX}. I started paying on time and then lost my job in XXXX of XXXX. I requested and was granted the deferment. I knew that I would restart the payments when I got a new job. Just a XXXX or XXXX later I started receiving calls saying that I owed for my student loans. I told them that I had just been granted a deferment and they said that they did n't do deferments. I was confused and asked more questions and found out that there had been a private student loan that was not consolidated in my payments and the company who identified themselves at XXXX XXXX XXXX and by XXXX. I told them that I did n't understand and that all my loans had been consolidated. They assured me that they had n't and that I would have to pay the entire balance immediately, which was somewhere around XXXX. I told them there was no way because I had just lost my job. They called me every day for the next few days. They finally said that if I made a good faith payment that they could stop calling me for a month. I made the payment over the phone while I was driving to a job interview. I have not been answering their calls anymore. I need help finding out if this loan is my loan and if it is possible to add it into the consolidation that I have with my other loans. Could you please help? I lost my job on XXXX of this past week and am again looking for a new position. The XXXX of not having a job just adds to the collection phone calls. Since my bankruptcy, I have been able to pay all of my bills except this XXXX and I have been able to maintain rebuilding my good credit. This worries me that it 's going to set my credit record back again, just when I was beginning to see progress. | null | TRANSWORLD SYSTEMS INC | LA | 71111 | null | Consent provided | Web | 2017-10-29 | Closed with explanation | Yes | null | 2,715,188 |
2022-04-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance to the fair credit reporting act XXXX Account Number : XXXX 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 a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77007 | null | Consent provided | Web | 2022-04-29 | Closed with non-monetary relief | Yes | null | 5,519,368 |
2022-07-01 | 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 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 a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28390 | Servicemember | Consent provided | Web | 2022-07-01 | Closed with non-monetary relief | Yes | null | 5,724,623 |
2023-08-30 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | This account was paid. Ive contacted Experian, XXXX and XXXX XXXX on numerous occasions disputing this negative account. I hear nothing back. Another credit reporting agency did a correct investigation found this should not be on my credit file and removed it. I expect the same from Experian and XXXX. | null | Experian Information Solutions Inc. | PA | 19007 | null | Consent provided | Web | 2023-08-30 | In progress | Yes | null | 7,473,084 |
2019-10-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have attempted to contact the following bureaus XXXX and Experian regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 756XX | null | Consent provided | Web | 2019-10-02 | Closed with non-monetary relief | Yes | null | 3,392,798 |
2018-12-05 | Debt collection | Other debt | Communication tactics | Frequent or repeated calls | Conns have been calling my number minimum 7 times per day. I have told them in the past 2 calls are fine but this is excessive. I feel I am being harassed and pressured. | null | Conn's, Inc. | CO | 808XX | null | Consent provided | Web | 2018-12-11 | Closed with non-monetary relief | Yes | null | 3,092,392 |
2023-06-18 | Checking or savings account | Checking account | Managing an account | Fee problem | I have been charge overdraft fees for years sometimes they would make a overdraft by waiting before they take the money out of my account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | REGIONS FINANCIAL CORPORATION | TX | 77407 | null | Consent provided | Web | 2023-06-18 | Closed with explanation | Yes | null | 7,132,816 |
2021-02-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29501 | null | Consent provided | Web | 2021-02-01 | Closed with explanation | Yes | null | 4,108,635 |
2019-11-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I contacted XXXX on XX/XX/XXXX to discuss a late payment showing on my account from XX/XX/XXXX. I was informed that there was no information showing it was late. I requested the 30 day late to be removed by XXXX and Bureaus and it is still showing | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92108 | null | Consent provided | Web | 2019-11-02 | Closed with explanation | Yes | null | 3,426,115 |
2021-10-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please be advised this is my fourth written request and final warning that I fully intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Equifax is reporting the unauthorized credit inquires on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the documentary evidence, and verify the information reported on the credit report is mine and correct. In the results of your first investigation, you stated in writing that the credit inquiries were valid and reported accurately. You are violating the FCRA because I have not signed any documents authorizing the company in question to view my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes.
Please also be advised that I contacted the following companies. Since they have no proof of my inquiry authorizations, written or verbal, I ask that you delete unauthorized inquiries from my credit report immediately.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( I ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Univariable Information ( A ) in general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
IMPORTANT : The following credit inquiries are not mine. Please reinvestigate this matter and delete the disputed items as soon as possible, before I am forced to take legal action against your company. The law is very clear as to the civil liability and the remedy available to me ( 15 U.S.C. 1681 et seq. ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA The inquires that I am requesting to have removed are the following : 1. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX. EQUIFAX MORTGAGE SERVICES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX. EQUIFAX MORTGAGE SERCIVES XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX 6. XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 7 . XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX. XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX STORE # XXXX XXXX, OH XXXX XXXX. XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX NORTH XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX FLOOR XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX | null | EQUIFAX, INC. | AL | 36117 | null | Consent provided | Web | 2021-10-10 | Closed with explanation | Yes | null | 4,796,984 |