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customers-complaints-train

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2023-02-24

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

Credit reporting

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

Problem with personal statement of dispute

XX/XX/XXXX, I was notified that PNC BANK stopped reporting to the credit bureaus which dropped my XXXX XXXX XXXX points. After a year of investigation and 7 dispute letters, PNC Dispute Department stated that they would need the reaffirmation letter regarding my auto loan so that they can continue to start reporting back to the credit bureaus. PNC advised that they didnt have the reaffirmation letter from XXXX on record and thats all they would need to start reporting back to the bureaus. I have been working closely with their dispute department, 2 different associates in the department and they explained that all they would need was the affirmation letter and PNC will then start reporting it back on my credit report. I sent the required documentation in on XXXX. Today, XX/XX/XXXX, I received a letter stating that they arent going to report it back even though my auto loan has always reported to my credit report as a positive, active account - no payment has ever been missed or late. I am demanding this to be reported back to the credit bureaus on my report. I was given false information for a year and provided all necessary documentation. This is unacceptable and this should have never stopped reporting on my account.

PNC Bank N.A.

TN

38117

Consent provided

Web

2023-02-24

Closed with explanation

Yes

2021-01-05

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

Credit reporting

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

Their investigation did not fix an error on your report

Dear Sir/Madam : Branch Banking and Trust now Truist Mortgage Company has failed on numerous occasions to report my on time mortgage payments to the National Credit Bureaus. BB & T has not reported my on time payments for XX/XX/XXXX for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the past year, the world has suffered as a result of a Global Pandemic. However, I have managed to pay my mortgage consistently on time. I am met with the utmost disrespect from this company. The corporate office is not interested in helping to resolve this matter instead they are comfortable passing along the problem to someone else. BB & T inability to act has impacted me negatively.

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

TRUIST FINANCIAL CORPORATION

FL

33813

Consent provided

Web

2021-01-05

Closed with explanation

Yes

2022-11-28

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.

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

Experian Information Solutions Inc.

NC

28205

Consent provided

Web

2022-11-28

Closed with non-monetary relief

Yes

2023-02-09

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

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. I did not give consent to these accounts. I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. DELETE THESE ACCOUNTS :

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33401

Consent provided

Web

2023-02-09

Closed with non-monetary relief

Yes

2022-09-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

TO WHOM IT MAY CONCERN : I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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

Experian Information Solutions Inc.

PA

19132

Consent provided

Web

2022-09-20

Closed with non-monetary relief

Yes

2023-05-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NV

89129

Consent provided

Web

2023-05-31

Closed with non-monetary relief

Yes

2019-11-18

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

Credit reporting

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

Investigation took more than 30 days

On XX/XX/2019, I mailed the attached documents to Equifax Information Services, LLC. and asked that they provide an original, signed contract from XXXX XXXX car company. If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). The returned my investigation results as the account being verified without providing me the original, signed contract.

EQUIFAX, INC.

TN

XXXXX

Consent provided

Web

2019-11-18

Closed with explanation

Yes

2023-05-26

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

Credit reporting

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

Their investigation did not fix an error on your report

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly update or delete the following items. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

75211

Consent provided

Web

2023-05-26

Closed with non-monetary relief

Yes

2018-04-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I demanded that the following accounts be removed from my credit report : XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX

EQUIFAX, INC.

IL

60605

Consent provided

Web

2018-04-18

Closed with explanation

Yes

2021-02-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have unauthorized accounts & inquiries on my report and would like it to be removed. According to the FCRA any inaccurate items on my Credit report that is not 100 % verifiable or accurate must be removed!

EQUIFAX, INC.

PA

19115

Consent provided

Web

2021-02-13

Closed with explanation

Yes

2019-11-26

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Dear Collector, PARAGON REVENUE GROUP XXXX XXXX XXXX XXXX XXXX , NC XXXX ( XXXX ) XXXX I do not believe that I owe this debt or what you say I owe. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( emphasis added ) I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof that you are licensed to collect debts in Maine ; 5. proof of the last payment made on the account. I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. You can not add interest or fees except those allowed by the original contract or state law. Any attempt to collect this debt without validating it violates the FDCPA. Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX. I have disputed this debt. Therefore, until it is validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ), then you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request that the case be dismissed based on your failure to comply with the FDCPA. Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware that I dispute the debt.

Jon Barry and Associates, Inc.

NC

28273

Consent provided

Web

2019-11-26

Closed with explanation

Yes

2023-01-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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

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

Experian Information Solutions Inc.

LA

70058

Consent provided

Web

2023-01-27

Closed with non-monetary relief

Yes

2023-01-26

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

My Ally bank account keeps getting hacked, which has resulted in my account balance being unusable. The bank has failed to investigate this, so I don't know how to protect accounts at other companies or how to protect my Ally bank account. This all started with a new debit card, which was stolen from my mailbox. Someone spent a total of about {$2500.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I noticed the fraud on XX/XX/XXXX and reported it to ally bank. They cancelled the stolen card, and the charges were refunded. On XX/XX/XXXX at about XXXX XXXX, I got an email from Ally saying that a customer service representative had helped me log into my account. That wasn't me. Then I got emails saying I changed my password, email, phone number, etc. I called Ally and was on hold for XXXX XXXX XXXX. I hung up and called again and finally got someone who was able to give me access to my account. The attacker had setup XXXX and was getting ready to send the money out of my account. The customer support agent didn't know how to reverse the changes, I manually reversed what I could, and then I had them freeze the account. I believe they chose not to start an investigation at this time. On XX/XX/XXXX, I called and had them unfreeze the account so I could pay my credit card bill. I also sent them a message asking for an investigation into the account takeover since I hadn't heard anything from them. On XX/XX/XXXX at around XXXX XXXX, I received an email saying Ally customer support had given someone access to my account, again. And then they changed the username, password, phone number, etc. I called immediately. The customer support agent, named XXXX, said they had just talked to me- but that wasn't me, it was the attacker. XXXX did not ask me security questions- they were clearly very poorly trained. They just reset my username and password when I asked. They did not seem to understand the situation. They kept asking me if I was done. I had to ask them to go through and reset everything. Then I asked for their supervisor, they muted me for about XXXX minutes. I asked again for their supervisor, finally they put me through. The supervisor, XXXX, reviewed the situation and opened a case to investigate the agent who did not ask me security questions. Then they added a lock to my account, with a passcode, so it should be impossible for the attacker to get access. Then they opened a fraud investigation. She gave me a ticket number for my interaction with her, which was XXXX. She said I will hear from the back office fraud department within XXXX business days, and to call again if I don't hear anything on Wednesday. On XX/XX/XXXX, I still had not heard anything despite Ally twice promising they would investigate the fraud. I still don't have access to my funds, about $ XXXX. I called customer support. The agents transferred me to the wrong department or hung up on me XXXX times in a row. Finally, I reached someone who did not hang up, and they said the investigation hasn't started yet, and will take another XXXX business days, and I can call again if it still hasn't started.

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

ALLY FINANCIAL INC.

CA

XXXXX

Consent provided

Web

2023-01-26

Closed with explanation

Yes

2022-03-04

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

Credit reporting

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

Their investigation did not fix an error on your report

I have been reaching out to Experian, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Experian and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX Balance : {$2100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXXXXXX Balance : {$47000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XX/XX/XXXX XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiryXXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

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

Experian Information Solutions Inc.

MI

48313

Consent provided

Web

2022-03-04

Closed with explanation

Yes

2018-05-10

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

Credit reporting

Incorrect information on your report

Account status incorrect

In XXXX and XXXX of XXXX, XXXX XXXX XXXX reported one account ( loan account ending in XXXX ) as a bad discharged debt and another as delinquent to all three credit bureaus. ( see attached ) This information is inaccurate. In XX/XX/XXXX XXXX XXXX XXXX XXXX removed me from the account that they later reported as a " bad debt ''. They also reported me as delinquent on a credit card account ( XXXX ) that is linked to my XXXX XXXX XXXX checking account for automatic payments. The checking account has always had sufficient funds and there never should have been a late payment.

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

Experian Information Solutions Inc.

GA

30518

Consent provided

Web

2018-05-10

Closed with explanation

Yes

2022-05-25

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

Credit reporting

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

Was not notified of investigation status or results

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28314

Consent provided

Web

2022-05-25

Closed with non-monetary relief

Yes

2019-10-01

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

Credit reporting

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

Their investigation did not fix an error on your report

I recently tried to dispute a list of 13 inquiries from my TransUnion credit report that I believe were fraudulent. TransUnion has yet to remove them from my credit report after now completing the investigation The list of inquiries 1. XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX- XX/XX/XXXX 3. XXXX XXXX- XX/XX/XXXX 4. XXXX XXXX- XX/XX/XXXX 5. XXXX- XX/XX/XXXX 6. XXXX- XX/XX/XXXX 7. XXXX/XXXX- XX/XX/XXXX 8. XXXX/ XXXX- XX/XX/XXXX 9. XXXX XXXX- XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I recently found out I am a victim of fraud and I am trying to clean up the mess before my credit gets any worst

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

XXXXX

Consent provided

Web

2019-10-01

Closed with explanation

Yes

2021-09-27

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I'm having trouble recovering money that was fraudulently withdrawn from my account at Bank of America. Below is a timeline of events with additional notes. XX/XX/21 - {$8200.00} was withdrawn from account XXXX ( where I am primary account holder and my father is secondary on account ). The transaction is noted as " XXXX cash withdrawal '' from a bank in New York. XX/XX/21 - While reviewing account activity, I noticed the withdrawal and called to report fraudulent activity. I end up placing holds on all of my accounts and creating a claim for investigation. My claim # is XXXX. I was told there would be a resolution in 90 days or less. I mentioned this withdrawal to my father. XX/XX/21 - Two withdrawals are made for {$4500.00} and {$8500.00} from account XXXX ( where my father is primary account holder and I am secondary on account ). These transactions are noted as " XXXX cash withdrawal '' from a bank in New Jersey. XX/XX/21 - My father placed holds on his accounts. He believed a claim would be automatically initiated, but that turned out not to be the case. XX/XX/21 - I received a letter indicating denial of my claim stating a ) one or more signers on the account benefitted from transaction, b ) handwriting on item consistent with sample on file and c ) account owner 's identification was used. XX/XX/21 - I called the fraud line asking for a " reconsideration '' on the claim, stating there were three withdrawals that are clearly related and in an area where account holders do not live and do not have any history of activity. XX/XX/21 - I received a second letter upholding the denial. XX/XX/21 - I called the fraud line again. I asked to speak with the analyst for the case and was told they could make the request. I asked if there was an e-mail address that I could send information to the analyst to include in the investigation. XXXX provided the e-mail address and I requested another " reconsideration '' stating I would send an e-mail with proof that I was not in New York at the time of the withdrawal. I asked for another " reconsideration '' and stated it was important that I speak to the analyst and the analyst review my e-mail prior to another determination. Following the call, I sent the included e-mail to the general e-mail address noting my claim number. The e-mail noted that the activity is clearly suspicious and pointed out the security measures that Bank of America advertises to protect against suspicious activity. XX/XX/21 - My father went through multiple calls and determined that a claim was not initiated for the two withdrawals on his account. He started a claim and provided me with his claim number. That claim # is XXXX. XX/XX/21 - I called the fraud number for an update on my claim and was told that it was denied again on XXXX. I did not receive a letter or any notification. I gave the XXXX the claim number for the fraudulent activity on linked accounts. In reviewing the information in the system, the XXXX did indicate that the name and identification used in the withdrawal from my account was my father, not me. The XXXX recommended that the claim on my father 's accounts be allowed to proceed to a resolution and call back then. They indicated that if that claim was honored, they should amend my claim and honor it as well. XX/XX/21 - My father received a letter indicating that his claim on two withdrawals was being honored. {$13000.00} was deposited into his account. XX/XX/21 - I called the fraud number and indicated that the claim on linked accounts regarding associated fraudulent activity was honored and asked for a " reconsideration '' given that. XX/XX/21 - I called for an update and was told that my claim was denied again on XXXX. It was noted in the system that no further reconsiderations were allowed. The XXXX indicated that nothing else could be done aside from me contacting a lawyer. I ended the call and went to a nearby banking location. I was just looking to get some help in other avenues to continue my claim and attempt to recover the money. I spoke to a XXXX XXXX, who updated my information, listened to the fact I presented and initiated a " XXXX XXXX '' for further investigation. My XXXX XXXX number is XXXX. I was told that I would be contacted in a few days with an update. XX/XX/21 - I called the local branch to speak with the XXXX XXXX, but left a message. Later I received a return call where he stated the case did not result in any change to the initial determination. He indicated that I could come in and speak to the branch manager as the next step. I do not believe that the two fraudulent cases have been reviewed together at any point in time even though I requested that multiple times. All three withdrawals are within a short timeframe from bank locations very close together. All go against the account history of transactions and should easily trigger suspicious activity based on the Bank 's own description of security services. And all three used the name and identification of my father. The review of the two separate withdrawals included in my father 's claim resulted in the claim being honored and the money returned. I greatly appreciate any help getting appropriate attention to this matter from my trusted banking institution of 22 years.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

GA

30044

Consent provided

Web

2021-09-27

Closed with monetary relief

Yes

2021-07-14

Credit card or prepaid card

General-purpose prepaid card

Trouble using the card

Trouble using the card to spend money in a store or online

The pre-paid card I was sent expired with about {$150.00} left on it, so it was no longer able to be used. However, the company claims that the " funds do not expire '' and that by contacting customer service, you will be able to get a replacement card and still access your funds ( there is no way to do it from their website, it says you have to call customer service ). Unfortunately, when calling the customer service number on the back of the card, it is an automated system with no options to select for an expired card, and no option to speak to a customer service representative. I was finally able to resolve the issue by selecting the option to " dispute a transaction '', then getting transferred to a customer service representative. This seems like an extremely deceptive practice designed to make it as difficult as possible for people to get access to their money if their card has expired.

Blackhawk Network Holdings Inc.

TX

77006

Consent provided

Web

2021-07-14

Closed with monetary relief

Yes

2023-08-06

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

I transferred {$700.00} to the owner of a business XXXX XXXX XXXX and XXXX XXXX. on XX/XX/XXXX as a deposit for granite countertops. They were to be installed on XX/XX/XXXX. I still haven't received the countertops or the entirety of my money back. Through a series of communication I have managed to get back {$200.00} with daily promises to return the rest. I do not feel that it's fair that nothing can be done about this transaction fraud because this is a known individual with a legitimate business registered in the state of Florida.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

33598

Consent provided

Web

2023-08-06

Closed with explanation

Yes

2020-03-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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

Experian Information Solutions Inc.

CA

93703

Consent provided

Web

2020-03-16

Closed with explanation

Yes

2021-03-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

ERC

TN

37206

Consent provided

Web

2021-03-25

Closed with explanation

Yes

2022-11-27

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act XXXX/Equifax/XXXX : XXXXlated my rights under 15 Usc 1681 section 602 A. States I have the right to privacy. 15 Usc 1681 section 604 A. section 2 Also states a consumer reporting agency can not furnish a account without my written instructions please help me with this matter as soon as possible thank you

EQUIFAX, INC.

PA

19050

Consent provided

Web

2022-11-27

Closed with explanation

Yes

2021-11-25

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

Disputed a XXXX with Experian in XX/XX/2021. Experian states remains and the furnisher of information is XXXX XXXX. I have my consumer report that shows XXXX were removed in XX/XX/2021 and XX/XX/2021. I disputed again with Experian in XX/XX/2021 and uploaded all paperwork from XXXX XXXX showing removals of XXXX XXXX and copies of my consumer report from XXXX XXXX showing no Bankruptcy 's. Experian again states XXXX XXXX remains and the furnisher of information was XXXX XXXX.

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

Experian Information Solutions Inc.

OH

434XX

Consent provided

Web

2021-11-25

Closed with non-monetary relief

Yes

2019-06-11

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

The amount that they are trying to collect on is invalid. XXXX XXXX XXXX is the 2nd collection agency trying to collect on the same debt that XXXX XXXX is collecting on. A dispute was sent to XXXX XXXX and no response. I called Harris & Harris LTD on XX/XX/XXXX at approximately XXXX EST at XXXX and was hung up on. The company is in violation of several issues : FDCPA 807 False & Misleading information 11 - " Mini Miranda '' is not on their collection letter ( see attached ) FDCPA - no validation notice on the collection letter ( see attached ) File Bankruptcy and it was discharged on XX/XX/XXXX under Maryland Chapter 7 case # XXXX - the State of Maryland failed to follow a Proof of Claim against the bankruptcy case. This debt was part of this case.

Harris & Harris, Ltd.

MD

207XX

Consent provided

Web

2019-06-11

Closed with explanation

Yes

2018-09-17

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

Credit reporting

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

Their investigation did not fix an error on your report

I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that TransUnion keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60406

Consent provided

Web

2018-09-17

Closed with explanation

Yes

2023-05-07

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

Credit reporting

Incorrect information on your report

Account information incorrect

15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 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. XXXX XXXX XXXX has been separately been sent an affidavit of truth in regards to their credit notice ( s ), and should NOT be listed at all on my report. SEE ATTACHED DOCUMENTS FOR DETAILS

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

Experian Information Solutions Inc.

VT

054XX

Consent provided

Web

2023-05-07

Closed with explanation

Yes

2016-05-05

Debt collection

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

Cont'd attempts collect debt not owed

Debt is not mine

Diversified Consultants , Inc have consistently harassed me to succumb to paying a debt that I do not owe nor have any responsibilities to. They persistently report on my credit profile an account which other credit collection agencies in the past deemed erroneous and a mistake and have appropriately deleted and corrected with the XXXX major credit bureaus in my favour. This aggressive collection account which has been placed on my credit profile is hindering and encumbering my ability to secure any measurable employment. Sincerely, XXXX XXXX

Diversified Consultants, Inc.

GA

30236

Consent provided

Web

2016-05-05

Closed with explanation

Yes

No

2019-11-17

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

Midland Collection calls my cell phone everyday at least 4 times a day. Some have even called my job trying to reach me. I have asked them to stop but they just call from a different number.

ENCORE CAPITAL GROUP INC.

MO

631XX

Consent provided

Web

2019-11-17

Closed with non-monetary relief

Yes

2023-09-26

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was paid

I requested to have this account validation of an alleged debt from Bank of America, they : failed to update consumer reporting agencies that the account was being disputed failed to provide proper disclosure and notices required by law violated the FCRA by failing to follow reasonable procedures to ensure maximum possible accuracy when preparing credit reports concerning me as a consumer used instrumentalities of XXXX XXXX via the mails in a business purpose in the collection of debts, and/or regularly collects or attempts to collect, directly or indirectly, debts owed or due, or asserted to be owed or due another failed to provide initial and/or subsequent correspondence that an attempt to collect a debt as prescribed in the Fair Debt Collection Practices Act failed to provide the adequate disclosures required under the Truth in Lending Act. required Plaintiff to include charges of a type payable in a comparable cash transaction for the finance charge which is a violation of 15 USC 1605 failed to provide the Plaintiffs right to rescind which is a violation 15 USC 1635 failed to provide the Plaintiff with the right to have insurance included in the finance charge and that is a violation of 15 USC 1605 failed to provide the name and address of the original creditor ; verification of the alleged debt which is a violation of 15 USC 1692g ( b ). failed to provide proper validation of the alleged debt used false and misleading debt collection practices by failing to communicate that this alleged debt is disputed which is a violation of 15 USC 1692e ( 8 ).

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

BANK OF AMERICA, NATIONAL ASSOCIATION

FL

34761

Servicemember

Consent provided

Web

2023-09-26

Closed with explanation

Yes

2018-03-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have disputed multiple times with XXXX, XXXX and XXXX regarding the inaccurate reporting of DCI. These inaccurate accounts continue to be reported and they are not mine. Dci Opened XX/XX/XXXX {$270.00} Original creditor : XXXX Dci Opened XX/XX/XXXX {$1000.00} Original creditor : XXXX

Diversified Consultants, Inc.

MI

48220

Consent provided

Web

2018-05-02

Closed with non-monetary relief

Yes

2022-08-17

Checking or savings account

Checking account

Closing an account

Company closed your account

Chase had restricted and closed my account for a check that they held XXXX days released the money which was done in XXXX. XXXX months later all of sudden my account was restricted and closed my account.

JPMORGAN CHASE & CO.

NY

11435

Consent provided

Web

2022-08-17

Closed with explanation

Yes

2023-07-31

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Multiple names and address appear on my credit report .I have provided my drivers license showing my name.No other name besides whats provided on my driver 's license and no other address should appear on my consumer report.

EQUIFAX, INC.

MI

XXXXX

Consent provided

Web

2023-07-31

Closed with explanation

Yes

2022-11-11

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I may have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized.

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

WELLS FARGO & COMPANY

FL

32129

Consent provided

Web

2022-11-11

Closed with explanation

Yes

2022-09-01

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60076

Consent provided

Web

2022-09-01

Closed with non-monetary relief

Yes

2022-05-13

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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

Experian Information Solutions Inc.

FL

336XX

Consent provided

Web

2022-05-13

Closed with explanation

Yes

2021-10-26

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

Credit reporting

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

Their investigation did not fix an error on your report

In XX/XX/2020, I notified Experian ( hereinafter CRA ) that my identity was stolen and that the account they report as XXXX " XXXX XXXX '' with a partial account number of XXXX was a product of said Identity theft. After numerous disputes relating to the fraud, and thereafter factual errors in the reported information itself that required that this account be deleted. They have flatly refused to remove this account. the account should have been remove for the following reasons : 1. ) At no time did the CRA place a notice that the account was in dispute as required by FCRA, indeed the required notice still dose not appear on my report. 2. ) The CRA is reporting this account as a " Collection/Chargeoff '' 3. ) While reporting this account is a Collection/Chargeoff they also report a past due amount of {$170.00}, it is not possible to have a past due amount showing in a Collection/Chargeoff account. 4. ) The CRA is also reporting a balance owed of {$190.00} also impossible if the account is reporting as a Collection/Chargeoff. For the above reasons the CRA should have removed this account from my credit report long ago and they just keep reporting the same errors

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

Experian Information Solutions Inc.

WI

53402

Servicemember

Consent provided

Web

2021-10-26

Closed with explanation

Yes

2023-04-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my credit score. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. Thank you for your attention to this matter. Sincerely, [ Your name and contact information ]

EQUIFAX, INC.

GA

30052

Consent provided

Web

2023-04-26

Closed with explanation

Yes

2020-09-09

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX XXXX & XXXX is reporting a late on my credit report for XX/XX/2020 and -XX/XX/2020. I was not late. Due to unforeseen circumstances surrounding the pandemic of COVID19 & being Quarantined since XX/XX/2020 and I have been severely impacted.. I tried to call in several times and the hold times are hours. I thought my payment went through and I have had an account with you since XXXX.. I have never been late. This was not my error. Can you please remove this late payment? You also closed my account after all this time for one late payment? It is very disappointing that you guys would do this.

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

Experian Information Solutions Inc.

UT

84115

Consent provided

Web

2020-09-09

Closed with explanation

Yes

2022-05-20

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. During a recent review of my credit report, my attorney informed me of creditor " XXXX '' issuing a line of credit in my name. This is not my account, nor have I done business with this company. I have never applied for any services, or products, and do/did not authorize the usage of my personal information in connection with or for any monies, or services rendered by this creditor.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77055

Consent provided

Web

2022-05-20

Closed with explanation

Yes

2022-04-06

Checking or savings account

Checking account

Closing an account

Funds not received from closed account

Chase bank closed my account in XX/XX/2022 with haste because i filed fraudulent activities on my account i went into the bank twice to show my ID and social security card as told by the fraud department but to No avail chase sent a notice saying it was responsible and authorized the fraud on my account they sent a check for XXXX but kept the XXXX in my account i didnt owe them any money but they still kept the funds sent a letter saying they closing my account but wasnt reporting me so why did they close my account because they didnt do a thorough investigation i was XXXX and they were being XXXX i want my funds and an apology they sent a recent notice saying they had made the mistake and i was right there were incorrect charges on my account but my account close so how they putting a permanent credit to a closed account i didnt receive all the money in my account when it was closed

JPMORGAN CHASE & CO.

IL

604XX

Consent provided

Web

2022-04-06

Closed with explanation

Yes

2021-05-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are 13 accounts on my credit report that do not belong to me they are not mine do not belong to me I have not taken responsibility for these and I should not pay or be held responsible for this. I have opened an FTC for this. Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF EDXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account XXXX Reason : This is not my account

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

Experian Information Solutions Inc.

CA

91601

Consent provided

Web

2021-05-12

Closed with non-monetary relief

Yes

2021-03-16

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

your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

AZ

85210

Consent provided

Web

2021-03-16

Closed with explanation

Yes

2017-02-02

Debt collection

Auto

Cont'd attempts collect debt not owed

Debt was paid

i disputed this debt on my credit report and this company validated debt. Original creditor advised that this would be removed and sent me a letter stating such. This company mailed me specific medical information about my medical treatment as well as a XXXX XXXX XXXX 's surgical information as well both in violation of HIPPA and State Privacy laws. And lastly, upon clearing up the matter with my doctor and insurance company, CMC INC validated the debt with XXXX and XXXX and continued to report erroneous information which prevented me from obtaining insurance.

Company believes it acted appropriately as authorized by contract or law

Credit Management Control, Inc.

MD

20707

Consent provided

Web

2017-02-02

Closed with explanation

Yes

No

2019-02-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I contacted Equifax several mo ago and fax and uploaded documents to them showing my address and my ID card. Plus several police reports and FTC report and file a complaint with CFPB showing accounts were not mine and several address were not mine. No response or any correction to my credit report on Equifax. The address XXXX XXXX XXXX is a fraud account and it shows that in the police report. Then there was a account opened in my name at XXXX XXXX XXXX XXXX in XXXX XXXX SC with a lady named XXXX XXXX, She was a loan officer that worked there and stoled several older ladies Identity. She was fired and charges were bought up against her. She now works for the local XXXX dealer in the area of XXXX XXXX SC. Clearly Equifax doesn't care, But XXXX and XXXX does!! They removed all the accounts and inmmentity blocked them. Now Equifax is showing that XXXX XXXX XXXX, XXXX SC is my main Address!!! Clearly that didn't block or even look into the problem. Now Equifax is showing accounts from XXXX XXXX that I'm a Authorized User on some account that isn't mine and its gone in defaulted! I asked 4 mo ago to please remove this account, because I'm not the card owner and they stated they would remove it and block those accounts. Never happened! Now theres a XXXX account on my report thats not mine, showing it was opened in XXXX of XX/XX/XXXX. Not Mine. Again they stated they would remove it and block it. Never happened!! The next step is filing legal action against Equifax in my local area for abuse and cost. My husband is a XXXX XXXX in the State of NC and he's ready to file today. They never do anything they say there going to do. FTC told them to remove and those account now and block the address of XXXX XXXX XXXX XXXX SC. If this doesn't get resolved in week from now i will file those papers against Equifax.

EQUIFAX, INC.

NC

XXXXX

Older American

Consent provided

Web

2019-02-20

Closed with explanation

Yes

2022-09-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter and the tracking # s. According to the FRCA The term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 stated my account was updated/remains/verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still reporting 100 % accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % accurate. I have the credit report showing the inaccuracies. List of inaccurate Accounts XXXX XXXX XXXX Acct # XXXX XXXX Cred Account : XXXX

EQUIFAX, INC.

MI

48127

Consent provided

Web

2022-09-22

Closed with explanation

Yes

2022-04-06

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 ACCOUNT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A.STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTION 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

EQUIFAX, INC.

AL

36869

Consent provided

Web

2022-04-06

Closed with explanation

Yes

2022-02-04

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

Credit reporting

Incorrect information on your report

Account status incorrect

DEPT OF EDUCATION/XXXX XXXX # XXXX is reporting as a delinquent student loan account across all XXXX bureaus XXXX, equifax and XXXX. The account is closed and currently up to date with all payments however, these bureaus have a past due 90 day late payment for XX/XX/2019 for 90 days however student loan payments are deferred and are in forbearance. Due to this late payment that is inaccurately reporting and non-factual it is harming me for going for a mortgage loan as this is severely hurting my credit. According to the FCRA inaccurate information especially a late payment on a student loan account that is deferred by the government, up to date whereas there has been no payments made late I need this fixed on my credit report. Please see attached documentation at the bottom of this email. Not only this there is an address on my experian account that doesn't belong to me and is incorrect which is another reason why I believe the loan is marked this way. It shows an address at XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX however I live at XXXX XXXX XXXX. I will attach my driver license for proof of this.

EQUIFAX, INC.

CT

06108

Consent provided

Web

2022-02-04

Closed with explanation

Yes

2023-02-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32404

Consent provided

Web

2023-02-17

Closed with non-monetary relief

Yes

2021-10-11

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

EQUIFAX, INC.

AL

35405

Consent provided

Web

2021-10-11

Closed with explanation

Yes

2020-03-31

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

Letter Sent to my Mom 's Address, not MY address from JEFFERSON CAPITAL SERVICES LLC. stating I owe XXXX XXXX XXXX, which I have no Idea where this debt is coming from in the amount of {$1000.00}. I attempted to call the company JEFFERSON CAPITAL SERVICES they stated they are a debt collector asked me to verify address, however, since the letter was sent to wrong address I don't trust they have the correct person. I asked to verify debt with original copy of contract, they stated they need to verify account. I refuse to release any personal information to this creditor as they can not validate debt. This creditor JEFFERSON CAPITAL does not appear on my credit report and is in violation.

CL Holdings LLC

AZ

85730

Consent provided

Web

2020-03-31

Closed with explanation

Yes

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

In accordance with the fair Credit Reporting Act, * XXXX XXXX XXXX ( # XXXX ) < '' last XXXX of account number included for each '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... ..HAS VIOLATED MY RIGHTS.. -15 U.S.C 1681 section 602A, states I have the right to privacy - 15 U.S.C 1681 section 604A section XXXX : Also states a consumer reporting agency CAN NOT furnish a account without my written instruction.

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

Experian Information Solutions Inc.

GA

30815

Consent provided

Web

2022-09-08

Closed with non-monetary relief

Yes

2023-05-03

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 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 for any purpose.

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

SYNCHRONY FINANCIAL

NV

89506

Consent provided

Web

2023-05-03

Closed with explanation

Yes

2017-10-08

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Equifax was negligent in securing very important personal information that led to a security breach, affecting almost half the country 's population. We all know when this happened. I am also a potential victim according to their equifaxsecurity2017.com website. They have also failed to notify anyone in a timely matter after they discovered they had a security breach, instead waiting months to release the news. Equifax is also attempting to capitalize on their own mistake by offering paid credit security services and also including hidden terms of service that waives the right to sue the company itself after their own negligence.

EQUIFAX, INC.

CA

90004

Consent provided

Web

2017-10-08

Closed with explanation

Yes

2020-11-30

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

EQUIFAX, INC.

AZ

853XX

Consent provided

Web

2020-11-30

Closed with explanation

Yes

2023-07-31

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

{$460.00} owed. This is a medical debt. New law states that this shall not be reported ; however 3 attempts to get this company to stop reporting it have been unsuccessful.

EQUIFAX, INC.

FL

33173

Consent provided

Web

2023-08-15

Closed with explanation

Yes

2021-05-29

Debt collection

Federal student loan debt

False statements or representation

Impersonated attorney, law enforcement, or government official

I paid this guy from XXXX XXXX To clear up debt, your promise that I only be charged for the download of the credit report, one monthly payment Of XXXX, but yet there's no credit change in my credit report

AES/PHEAA

TX

77042

Consent provided

Web

2021-05-29

Closed with explanation

Yes

2023-06-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

UT

84096

Consent provided

Web

2023-06-15

Closed with explanation

Yes

2022-12-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The collection company ( XXXX XXXX ) is reporting a fraudulent account on my consumer report. I did not give this company permission to run my credit and have never opened an account with them. I would like this company to delete this off of my consumer report from Equifax and XXXX. Thank you.

EQUIFAX, INC.

PA

19150

Consent provided

Web

2022-12-24

Closed with explanation

Yes

2020-06-03

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

Credit reporting

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

Problem with personal statement of dispute

I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.

Persolve, LLC - Legal - Series 2

CA

93550

Older American

Consent provided

Web

2020-06-08

Closed with explanation

Yes

2023-04-23

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

Credit reporting

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

Their investigation did not fix an error on your report

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. XXXX XXXX XXXX : {$870.00}.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89044

Consent provided

Web

2023-04-23

Closed with non-monetary relief

Yes

2023-05-05

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

Other personal consumer report

Incorrect information on your report

Public record information inaccurate

CIC has stolen my personal private information and shared it without my permission. Sold my personal rental records without my permission, obtained and published my private personal information without my knowledge or permission. Published false and misleading documents to potential landlords causing my denial of housing based on inaccurate information regarding XXXX XXXX XXXX Placed active judgements on my rental record when there are none. Will not allow for disputes to be levied on their website. I demand that all records be deleted immediately, and not report, or collect my information without express written consent or legal action will follow for aggravated identity theft.

Contemporary Information Corp

DE

19701

Consent provided

Web

2023-05-05

Closed with explanation

Yes

2022-04-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

My credit report from Experian shows a credit inquiry for a new checking/savings account from XXXX XXXX XXXX XXXX dated XX/XX/2022, however I have zero knowledge of this account nor did I initiate a credit inquiry for this account, the bank is located in Utah and we live in Florida.

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

Experian Information Solutions Inc.

FL

32404

Servicemember

Consent provided

Web

2022-04-22

Closed with non-monetary relief

Yes

2020-11-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have checked my credit, and I learned that every inquiry on my profile I had NOT authorized. These need to be removed immediately. Additionally, there were several accounts that I did not approve or never took a dime from them. This needs to be removed as well. I have also included addresses in which I never lived at as well.

EQUIFAX, INC.

ID

83646

Consent provided

Web

2020-11-20

Closed with explanation

Yes

2022-02-04

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

Credit reporting

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

Investigation took more than 30 days

I have been battling with TransUnion since last year because of their unlawful and unauthorized reporting. To this date, they have not solved the issues and continue reporting derogative information that is causing me harm, stopping me from receiving any further credit extensions, and higher interests. My last communication with TransUnion was on XX/XX/XXXX, where once again ( previously submitted more disputes ) I submitted my disputes along with an identity theft report, proper identification, proof of current place of abode, and my statement regarding the issues to be addressed. Pursuant to XXXX XXXX XXXX they had to block the information being disputed and correctly identified on the XXXX report in XXXX days. Today is XX/XX/XXXX and said information is STILL being reported. I filed several complaints and instead, they have DELETED my disputes from their system ( or at least from my side that I can see ) they have BLOCKED my ability to retrieve my report from their website and from the annual credit report website. I have submitted complaint # XXXX which is still open and they have not solved the issues. They continue reporting a hard inquiry from XXXX made on XX/XX/XXXX which had no permissible purpose and WAS INCLUDED in my XXXX identity theft report. BY LAW, XXXX WAS TO BLOCK SAID INFORMATION WITHIN XXXX DAYS OF RECEIPT. THIS HAS NOT HAPPENED, THEY ARE IN VIOLATION

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33139

Consent provided

Web

2022-02-04

Closed with explanation

Yes

2018-04-21

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

Credit reporting

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

Was not notified of investigation status or results

My account was hacked due to XXXX & Experian breach the accounts that were in my bankruptcy reappeared delay payment the accounts were all deleted and then reappeared I was not notified by XXXX in five days that they were going to re-put what they had taken off back

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

Experian Information Solutions Inc.

FL

33619

Consent provided

Web

2018-04-21

Closed with explanation

Yes

2022-10-22

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

Credit reporting

Incorrect information on your report

Account status incorrect

in accordance with the fair credit Reporting act XXXX Account # 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 for and purpose

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

Experian Information Solutions Inc.

FL

33543

Consent provided

Web

2022-10-22

Closed with explanation

Yes

2018-11-08

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

Credit reporting

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

Their investigation did not fix an error on your report

I have disputed this account as inaccurate. TransUnion and XXXX continues to report this account on my credit and has responded that the debt was verified. How is that possible? What was your method for verification? Who did you contact? I have contacted XXXX XXXX myself regarding the account mentioned and have been unable to get them to verify that this is indeed my debt. I have attached copies of the correspondence I received from XXXX XXXX after asking them to validate this debt. In response, XXXX XXXX is asking me for my personal information such as social security number, my full name, full card number, my address along with a detailed explanation for my request. They are the ones reporting negative information on my credit report. Shouldnt they have this information already? They have my name, current address, and the card number yet they continue to ask me for additional personal information. Apparently, they do not have any information on me. This debt is not mine and I was not given any evidence of my obligation to pay this debt. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is clearly a case of unverified debt. I advise XXXX XXXX ( TransUnion & XXXX ) to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages & declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to resolving this matter ASAP.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90805

Consent provided

Web

2018-11-08

Closed with explanation

Yes

2019-11-19

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

Credit reporting

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

Their investigation did not fix an error on your report

Experian is reporting a 60 day late payment on my mortgage account. I filed a dispute in XX/XX/2019. The result received indicated the information had been confirmed with XXXX XXXX and will remain on my credit report as a 60 day late payment. I contacted XXXX XXXX and was assured that my mortgage was never reported 60 days late. The creditor insist there is nothing they can do because they never reported the information. Experian insist there is nothing they can do because it is information received from XXXX XXXX. I've filed a second dispute with Experian and received notification that I could not file a second dispute on the same issue. The inaccurate information remains on my credit report.

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

Experian Information Solutions Inc.

LA

713XX

Servicemember

Consent provided

Web

2019-11-19

Closed with non-monetary relief

Yes

2018-08-18

Checking or savings account

Checking account

Managing an account

Fee problem

As of XXXXXXXX XXXX on XX/XX/18, my checking account was negative {$78.00} due to three pending transactions. A cash deposit of {$80.00} was made before XXXX XXXX to bring the account positive {$1.00}. At XXXXXXXX XXXX, the account was showing - {$140.00} because of a {$150.00} XXXX transaction that was pending. In every conversation had with previous representatives, the cut off time for deposits ( cash or otherwise ) was always stated as XXXX XXXX. When the {$150.00} XXXX transaction hit the account, a second deposit was not made because of the information given during every previous conversation with representatives. I did not think another deposit wouldve prevented a fee for this single transaction. Today my balance is showing - {$290.00}, including four {$35.00} overdraft fees. Not only was I charged a {$35.00} fee for the {$150.00} XXXX charge, I was charged a total of {$100.00} in fees for the three transactions that were previously pending. I spoke to a representative today and explained that I made an {$80.00} deposit before the XXXX cut off time to avoid being charged three OD charges. I understood the {$35.00} fee for the {$150.00} XXXX charge. I was told I had until XXXX XXXX to make a cash deposit, which contradicts everything Ive been told during every other conversation with BofA reps. Ive also been told processing happens with the lesser dollar amounts paid first to allow for more transactions. In todays conversation, that suddenly reverses too with larger items paid first. I believe the processing order and the fee logic violate UDAAP resulting in disparate impact. I deposited {$80.00} by the cutoff time given by BofA numerous times. The {$80.00} was deposited to avoid three {$35.00} fees as guided by BofA reps. A second deposit was not made to cover the - {$140.00} because of the information supplied by BofA reps. Now I have large negative balance because the cutoff time and the processing order previously communicated by BofA reps was inconsistent with information given today.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

78258

Consent provided

Web

2018-08-18

Closed with monetary relief

Yes

2022-06-18

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95531

Consent provided

Web

2022-06-18

Closed with non-monetary relief

Yes

2021-04-28

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

Credit reporting

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

Investigation took more than 30 days

I recently sent a dispute letter to TransUnion, XXXX and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27713

Consent provided

Web

2021-04-28

Closed with explanation

Yes

2020-01-22

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

To whom it may concern, Several months ago, money was taken from my checking account, and was UNAUTHORIZED. I had received an e mail stating that my purchase was completed by XXXX XXXX. Keep in mind, I had not been living in the previous residence for at least 3 months or so. The exact date of the withdrawal was made on XX/XX/2019, and was for XXXX dollars! Finding this extremely fishy, I took note on the email it had said that I AUTHORIZED AUTO PAY, WHICH I NEVER DO! I have dealt with Auto pay before with some companies, and for some reason, my bank account always comes up overdrawn, at the hands of others incompetence. Still very confused, I had called my bank filed a dispute, and immediately was told to proceed to file a dispute in person at my bank, which is SANTANDER BANK in XXXX, PA. I explained the situation, that there was email sent to me stating I authorized auto pay and also that I gave permission for funds to be taken from my account, which I never did. I am not sure to this day, if someone may of hacked my account, however I do know, when I logged back into the email, it was mysteriously gone! I am very organized and check my bank accounts at all times, for fraudulent activity or to make sure items I have purchased could not possibly overdraw my account. Having said that, I proceeded with my dispute, and the bank agreed with me 100 % that this was in fact fraud! I contacted XXXX and they would not refund my money, but could not give me an accurate reason as to why money was just " all of the sudden '' withdrawn from my checking account, after several months of me not even having cable w/XXXX due to several complaints regarding why I NO LONGER WISHED TO DO BUSINESS WITH THEM ANY LONGER and also the more logical reasoning as to why they would bill me after me not even residing at that residence for several months! Needless to say, after SANTANDER, pretty much assured me the issue would be resolved and that the actual transaction was fraudulent, that I would be receiving my money back. This did not happen. I had tried to locate other companies ( I am not sure off hand, the names of those companies ) however, only one responded back, and that is still an ongoing game of cat and mouse. I only came across this website, when I literally looked on my bank statement and noticed another pending {$150.00} from my current car insurance company, stating I enrolled in auto pay. As I stated before, I never enroll in auto pay! I have had this insurance for awhile now, and have always just maintained comfortability paying online at my convenience, as opposed to having money just withdrawn from my account every month. I am going to contact my bank first thing this morning, however, I do feel as if I will get the same results as the last time. Had I stumbled across this site sooner, I would not of wasted time contacting others thinking they could help, when they did nothing to even attempt to better the situation. I am a single mother, struggling through school, full time, so I can graduate faster! I am living off of student loans ( which obviously have to be paid back ) and I do get help from the assistance office with food and medical assistance as well, however, I CAN NOT AFFORD to keep having these issues occur, and nothing is done about it! I feel XXXX XXXX is nothing more, than a company of shady thieves, and that SANTANDER BANK DOES NOT CARE AT ALL ABOUT THEIR CUSTOMERS AND THEIR WELLBEING FINANCIALLY!! In conclusion, I would like to state that I have had this happen before, with another bank, but the outcome was positive. My money was returned within a few business days due to fraudulent activity within my checking account. I have heard many people complain about Santander Bank and the way they treat their customers, especially when It pertains to refunding fraudulent withdrawals. Please, If you could help me and let me know what other steps to possibly take. If I do not receive the money back that is being taken from my account this time around, now again, I am taking my business elsewhere and will be sure to notify the authorities, however it is not a guarantee, I will see my money back either regarding the police either. If you could kindly respond, I would greatly appreciate it. My email is XXXX or via phone @ XXXX. Thank you, Regards, XXXX XXXX XXXX

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

SANTANDER BANK, NATIONAL ASSOCIATION

PA

196XX

Consent provided

Web

2020-01-22

Closed with explanation

Yes

2023-06-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

GA

30291

Consent provided

Web

2023-06-14

Closed with non-monetary relief

Yes

2022-03-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

20748

Consent provided

Web

2022-03-28

Closed with non-monetary relief

Yes

2018-01-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To Whom This May Concern : Upon reviewing my Equifax account it looks as if I have a LOT of inquires that DO NOT belong to me on my account. I even have some that show up at multiple dates. I mailed a Multiple Inquiry removal letter on XX/XX/XXXX by certified mail in order to dispute information, in regards to 15 inquires, that is being reported on my credit report. They received the letter on XX/XX/XXXX and they completed the request on XX/XX/XXXX. I mention to them that I have never stayed in the state of Texas and most of the inquires is in that state. The request that I submitted included 28 inquires that were not factual and I received the same response for All inquiries, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. I would like for the below inquires to be deleted. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate ANS respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that does not belong to me, I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer. Thanks

EQUIFAX, INC.

AR

72209

Consent provided

Web

2018-01-30

Closed with explanation

Yes

2022-10-18

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

I am a MA resident. I had a citi prestige card. On XXXX I was charged another year of annual fee {$490.00}. On XX/XX/XXXX I closed the account. Citi refused to refund pro-rated annual fee, which is against the massachusetts local law about annual fee partial refund policy. Part I Title XX Chapter 140 Section 114C " A cardholder may cancel his credit card agreement at any time during this period without penalty. If the cardholder cancels the agreement at any other time during the year, he shall receive a refund on a pro-rata basis of two-thirds of the annual fee. '' https : XXXX

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

CITIBANK, N.A.

MA

02155

Consent provided

Web

2022-10-18

Closed with explanation

Yes

2020-10-26

Checking or savings account

Savings account

Closing an account

Funds not received from closed account

I opened a Chase savings account on XX/XX/20 and deposited a {$2500.00} and {$5000.00} check. Due to undisclosed reason, Chase shut my account down on XX/XX/20 and send a {$2500.00} refund check not the {$5000.00}. It has been more than 30 days and I have contacted Chase several times but no one could give me a straight answer as to when they will release the remaining {$5000.00}. Typical response is per their terms and conditions at account opening, Chase has the right to close the account and hold on to money indefinitely for a variety of reason. Chase is abusing their power as a financial institution and arbitrarily hold on to my money long after the check cleared with no issues. Questions are always answered with reference to their lengthy terms and conditions buried in the service agreement.

JPMORGAN CHASE & CO.

DE

19709

Consent provided

Web

2020-10-26

Closed with explanation

Yes

2022-06-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my XXXX, Experian, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. Accounts : XXXX XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX XX/XX/XXXX,, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

VA

23222

Consent provided

Web

2022-06-01

Closed with non-monetary relief

Yes

2022-01-08

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

We updated our monthly service with XXXX in XX/XX/XXXX -- we built a new home. They failed to cancel a portion of our old monthly service. XXXX acknowledged the error and said they would update our file -- by phone, not in writing. They then sold our old account as a " bad debt '' to collection while we were on vacation, which resulted in a {$280.00} " bad debt. '' Contacted XXXX in XX/XX/XXXX -- they had no record of the charges but said they were unable to reverse the sale for collection. Since XX/XX/XXXX, the " debt '' has been resold multiple times. Our new service with XXXX has been in place since XX/XX/XXXX with a monthly charge of approx. {$350.00} per month. We have been a loyal customer of XXXX for over 30 years. Our past credit history has been excellent for over 30 years with no late payments or delinquent accounts. One credit collector deleted the debt in XX/XX/XXXX but since then, my dispute claims have been rejected and my credit report continues to be updated, which extends the " bad debt window for 5 more years. Please help us resolve this unjust treatment and retore the excellent credit that we have always enjoyed.

Kriya Capital, LLC

TX

78132

Older American, Servicemember

Consent provided

Web

2022-01-08

Closed with non-monetary relief

Yes

2023-07-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these accounts to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33615

Consent provided

Web

2023-07-13

Closed with explanation

Yes

2022-08-16

Credit card or prepaid card

General-purpose prepaid card

Problem with a purchase or transfer

Card company isn't resolving a dispute about a purchase or transfer

I had XXXX charges made that I I did not approve was not notified about debited from my account. The amounts were XXXX on XX/XX/XXXX at XXXX pm and one for XXXX on XX/XX/XXXX at XXXX. Both were from XXXX.Not only did I not approve these charges but cash app denied my dispute and the only reason they offered me was a email wich just showed the time and date of the transaction

Block, Inc.

AL

36575

Consent provided

Web

2022-08-16

Closed with explanation

Yes

2022-11-19

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. The accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$21000.00}

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

Experian Information Solutions Inc.

CA

94806

Consent provided

Web

2022-11-19

Closed with explanation

Yes

2020-01-09

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On XX/XX/2020 I deposited a paycheck through the mobile app on my phone into my Bank of America checking account. Until this time, I have ALWAYS gotten use of these funds the next business day. I have deposited checks from this company twice a month for 10 years. Never once has B of A held my funds longer than one day. This time they put a Hold on my funds until XX/XX/2020. I checked with the employer writing the check to see if they switched bank account or banks or have had other problems on their end. They assured me they had not. I called B of A on the XXXX and was told that they have the right to hold the check up to 7 business days. While I understand that, they have NEVER done this before. I asked what the reason was and all the rep could say was that there was nothing I could do about it. I asked to speak to a manager who said I should talk to someone on their " Preferred line '' and she transferred me. The rep on the " Preferred line '' said there was nothing she could do because the bank had the right to hold the funds. I asked to talk to her manager who told me to call back the next day after the check had posted. I called back the next day, the XXXX, and the rep said there was nothing they could do about it. I asked to speak to THAT manager who said he didn't know why someone would tell me to call back because there was nothing they could do once a hold was placed on it. I asked to speak with HIS Manager but that manager was not in and he said he would have him call me back in 24-48 hours. It has now been 48 hours and I have not heard from them. I have since found out that my check cleared the drawn on bank on the XXXX. I still do not have access to my funds. It is a large amount to me and I will be having late fees and possibly NSF 's for my billpay payments that have been set up. I thought that Regulation CC requires a bank to provide me with the reason for the hold within a day of making the deposit. I know it can be held up to 10 days if there is a reason. But this check has already cleared the drawn on bank.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

TX

76116

Consent provided

Web

2020-01-09

Closed with explanation

Yes

2022-08-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Error on consumer checking account screening report. I am requesting a correction of the following information that appears on my ChexSystems XXXX XXXX XXXX XXXX consumer report : Dispute : Source of Information : XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; ANY AMOUNTS OWED HAVE BEEN PAID ; Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX Reported SSN/ID : XXXX Drivers License : XXXX State : GA Date of Closure : XX/XX/2021 RTN/ACCT # : XXXX / XXXX Closure Status : SETTLED IN FULL Closure Status Date : XX/XX/2021 I am requesting negative inaccurate information to be removed from Chexsystems & XXXX XXXX XXXX or any other consumer reporting company containing information that is inaccurate or incomplete. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX is in violation of my rights. I request that this negative report be permanently removed from my ChexSystems & XXXX XXXX XXXX report. I have attached documents to verify my identity

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

Fidelity National Information Services, Inc. (FNIS)

FL

33071

Consent provided

Web

2022-08-03

Closed with explanation

Yes

2018-10-04

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

After looking at my credit report in XX/XX/2018 I found a medical debt on the report I did not recognize. I sent the debt collector a Demand for Verification by Certified mail Return Receipt demanding verification. The debt collector did not respond within 30 days. In fact they still have provided no verification. I spoke to a representative of the company on XX/XX/2018 and asked where the information was being sent. She informed me that the letters were being sent to an address I did not have and have not had for over two years. In the validation letter my address appears in BOLD print on all 3 pages and under the signature. Yet they did not respond to that address. They did not list the debt as disputed on my credit report during the validation period. I spoke with the President of the company and I explained that his company failed to respond and asked that the report be removed from my credit bureaus reports. He stated he couldn't do that.

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

HCFS Health Care Financial Services, Inc.

TX

77018

Consent provided

Web

2018-10-04

Closed with explanation

Yes

2023-02-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

Experian Information Solutions Inc.

AR

716XX

Consent provided

Web

2023-02-11

Closed with non-monetary relief

Yes

2019-09-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

I never applied for SCRA benefits with my mortgage company. At the beginning of XXXX XXXX XXXX alerted me that I had missed multiple payments on my mortgage dating back to XXXX. I did a hard pull on all 3 credit bureaus and verified they claimed I had missed 23 payments, and they claimed I owed XXXX dollars more on my mortgage than was was shown on my account. I logged into my account and the ledger was in utter disarray, almost a hundred entries on XX/XX/XXXX. I proceeded to call and ask what was going on they told me it was due to SCRA benefits and to call the credit bureaus which I did, it has been a month and still no resolution to my report. My credit score has taken a huge hit and I was turned down for a loan. What is my next step.

CARRINGTON MORTGAGE SERVICES, LLC

PA

17109

Servicemember

Consent provided

Web

2019-09-28

Closed with explanation

Yes

2019-02-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. XXXX XXXX XXXX

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

Experian Information Solutions Inc.

SC

29841

Consent provided

Web

2019-02-06

Closed with non-monetary relief

Yes

2020-10-29

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

Credit reporting

Incorrect information on your report

Account information incorrect

Account JPMCB Account # XXXX opened in XXXX. The company closed account without merit in XXXX. Then came after me for monetary of {$250.00} then over {$500.00}. I disputed with agency over three times and with Credit Bureaus. It was closed disputed even fraudulantly. The company never provided proof of amounts. I requested it to be resolved a settlement was offered. Then I knew I did not owe them because they had never provided summary report on account. XXXX XXXX XXXX Account # XXXX. Car was surrended on XX/XX/XXXX voluntarily with no payments due. The company sold vehicle in auction then requested {$7000.00} then over {$8000.00}. I was offered a settlement. The car had been sold repo and there trying to get a double pay. The vehicle has claim form for XXXX class action settlement on XXXX XXXX gasloine direct injection engine. In which I was having problems when leased that is why I retuned it behind defect. The company is trying to profit on two consumers when, vehicle was sold in XX/XX/XXXX. Then the company expected me to pay for XXXX until XX/XX/XXXX. Someone was untilizing vehicle in company they need to be responsible for usage. Also pay for punitive damages of selling a defective SUV that is now in court for defective engine failure. I am requesting that both companies because the accounts are closed be removed off credit report due to insufficient accountability of amounts being owed and fraudulant amounts being submitted as dispute on the record. When it is over three years of servicing me as a customer. Providing updated information when accounts have been closed for not providing proof of service amounts being requested. There being made up as time progesses to receive monetary that is not due for service not being received in XXXX.

JPMORGAN CHASE & CO.

NY

10001

Consent provided

Web

2020-11-02

Closed with explanation

Yes

2018-09-21

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

BBVA Credit Card On XX/XX/18 there were fraudulent charges made on this card in the amount of {$2500.00}. When the charges were made I received a push notification on my phone making me aware of the charges and requesting that I call if I did not approve them. I called and spoke to a gentleman and let him know that I did not approve/make the charges. He assured me that I did not need to worry, that the charge would be dropped and that no action was needed on my part. I let him know that I would like to cancel the card since someone obviously has my info and is using the card. The call ended and I thought it was resolved. In XX/XX/XXXX I received a billing statement in the mail asking me to pay the {$2500.00}. I called and after hours of being hung up on and transferred around many times I finally got a representative that told me that I had not called in to let them know that the charges were fraudulent. According to the representative the notes on the account indicated that I had only called in to cancel the account. I request to speak to a supervisor and ended up speaking to XXXX, a supervisor in BBVA 's XXXX XXXX office, who confirmed for me that the notes did not indicate that I had called in to let them know that I did not make the charges. I asked him if they record their calls. He explained that they do. I requested that he please listen to the call and add notes that accurately reflect what happened on the call. Specifically, I requested that he listen and note that I had in fact called in to let them know that the charges were fraudulent. He agreed to do this and we set up a follow up for the next day. I spoke with XXXX the following day and he confirmed that he had listened to the call and that I had made the representative aware that there were fraudulent charges made. He let me know that the representative should have taken action to stop the charges at that time as there was time to do so at that point but because he did not, the charges were paid and that I would now have to submit a dispute which would take 30 days to be reviewed. I let him know that this was unacceptable as I had been given confirmation from a BBVA employee that the issue was resolved. The charges were paid due to a BBVA employee error and not my own. I asked what could possibly be needed as far as a dispute investigation. He told me that it was just a formality. I let him know that I felt this was very deceptive and unfair on BBVA 's part. He let me know that there was nothing he could do about it. Again I let him know that this was unacceptable and requested to speak to his superior. he told me that his superior was not available but that he would have him call me within an hour. I agreed and the call ended. I did not hear from XXXX superior in the next hour. In fact I never did hear from him ever. I called a couple days later, spent an hour being transferred around, until I finally spoke with representative that told me that I had been transferred to the collections department and that I needed to make a payment. I tried to explain to this representative what had happened but they were unwilling to help and eventually hung up on me. I called back and spoke to another representative in the collections department who explained they had mailed me a letter confirming the dispute. I let this representative know that I had not received such a letter and requested that she email it to me. She agreed that she would email it to me ( To this day I still have not received a letter in regards to a dispute in the mail or in my email ). I then requested to speak with XXXX and she transferred me to him. He explained that he had told me on our previous call that he would have his boss call me just to get me off the phone. That he actually had no intention on letting me speak to this person, and that it was BBVA 's policy that customers not be transferred to anyone above a supervisor. Again, I let him know that I felt that this was very deceptive, unfair, and now bordering on abusive on BBVA 's part. He again let me know that there would have to be a dispute review before the matter could be cleared up. He advised that he had submitted a dispute and that he would expedite the review of the dispute. He advised that it would take no more than a week for it to be resolved. I again let him know that this was unacceptable but that I would give him 1 week to resolve the matter. I let him know that If I did not hear from him with confirmation that the issue was resolved that I would be submitting a complaint with the CFPB. He seemed to understand and agree on this call that I was being treated unfairly and that BBVA 's actions had in fact been very deceptive. I ended the call thinking the issue would most likely be resolved. On XX/XX/18 I received another billing statement again asking me to make payment on this charge only now they have added a late payment fee of {$27.00} and a {$1.00} charge labeled as " minimum charge ''.

BBVA FINANCIAL CORPORATION

AZ

85283

Consent provided

Web

2018-09-21

Closed with monetary relief

Yes

2017-05-13

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

Credit reporting

Incorrect information on your report

Personal information incorrect

Hi XXXX got my wrong date of birth from some sources. To correct it I have sent two documents ( DL & SSN ) to XXXX on XXXX XXXX . They confirmed over the phone they will update withi n 48 hours but after even one week they have not updated my DOB their customer service has no tractability about all the docu ment and they are completely clueless why they have not updated my DOB. As a result, a result whoever need my credit report they are geeting wrong info and I completely screwed up. Please help me to resolve this issue ASAP. With Thanks XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60502

Consent provided

Web

2017-05-15

Closed with explanation

Yes

2021-03-19

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

Credit reporting

Incorrect information on your report

Account status incorrect

Equifax ; XXXX and XXXX should not be reporting the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX as ( 120 ) days late. These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and all of the line items listed above need to be removed from my credit report. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these items however, I have not been successful.

EQUIFAX, INC.

TN

38133

Consent provided

Web

2021-03-19

Closed with explanation

Yes

2022-11-29

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 with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 15 US.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33327

Consent provided

Web

2022-11-29

Closed with explanation

Yes

2023-05-30

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11226

Consent provided

Web

2023-05-30

Closed with non-monetary relief

Yes

2018-03-23

Checking or savings account

Checking account

Closing an account

Company closed your account

I had my Wells Fargo debit card stolen. I contacted Wells Fargo and filed a claim. I was questioned who, what, where, when and how. I gave them a full description of what happened. I closed the card and was going to be issued a new debit card. I then received a letter basically stating my claim was not valid and that I owe the amount of {$XXXX}. This amount was not nearly what I had available in my bank account. I then requested that the claim be reviewed again and did not hear back from them until I received a bill from a 3rd party collector on XX/XX/XXXX. I sent a validation letter on XX/XX/XXXX and to date, I have not heard back. I have never received statements on how they came up with the amount.

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

WELLS FARGO & COMPANY

AZ

85367

Servicemember

Consent provided

Web

2018-03-23

Closed with explanation

Yes

2019-10-11

Student loan

Federal student loan servicing

Struggling to repay your loan

Problem lowering your monthly payments

Naviet aka predatory leading got my account that was originally with XXXX. I tried countless times to lower my payment. XXXX XXXX XXXX XXXX is closed and no longer in existence. Navient took my 2015 tax return of {$3300.00}. My loan amount was {$5000.00} it went up to {$10000.00} dollars in less than 5 years. This company is praying on peoples wallets this can not be legal. I seriously need some help.

Navient Solutions, LLC.

CA

90302

Consent provided

Web

2019-10-11

Closed with explanation

Yes

2020-03-03

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX Credit Reporting refuses to allow a consumer statement to be issued into the account disputing the entire charge from American Express. Additionally the date that the American Express account was closed was XX/XX/XXXX, and not XX/XX/XXXX. Furthermore the amount in dispute is smaller, and American Express and/or XXXX have inflated the charges. The total amount disputed at the time of account closure was {$1900.00}. The amount was disputed because American Express failed to protect me from charges resulting from faulty merchandise covered under a one year warranty. Previously I tried to submit the dispute online with XXXX, but their web portal won't allow a consumer statement. At my request, XXXX escalated the matter to a XXXX XXXX, supervisor of technical services, but XXXX advises that she is not willing to correct this problem, and that what I see is what I get.

AMERICAN EXPRESS COMPANY

WA

98607

Older American

Consent provided

Web

2020-03-03

Closed with explanation

Yes

2021-03-18

Debt collection

Federal student loan debt

Attempts to collect debt not owed

Debt was paid

In XX/XX/2020 I was notified of a wage garnishment for a Federal Student Loan. Fast forward to XX/XX/2020 and I finally pay off the debt. Then my paycheck gets hits for another {$420.00}, I call and find out the collection agency closed my account and submitted my file as closed and paid off but they never bothered to send a letter of debts paid to my employer. I call almost every day and am constantly told it's in progress. My next payday ( two weeks later ) comes and I'm garnished ANOTHER {$420.00}. Still, in progress, I'm fuming mad but every rep I talk to assures me that they will send me a refund on any overpayment and I have no worries just to be patient. Two more weeks go by and it's 1 day before payday and I am finally told by my employer that they got a letter and they will now stop the garnishments. A month goes by and I never see a refund check. I call and I am told that my refund check for close to {$850.00} was not sent to me it was forwarded to a " Client ''. The reps I talk to say they can not tell me why I didn't get the check that I had to talk to an attorney. The attorney at the agency will not contact me, I have filed a XXXX complaint but have not heard back. Their " Client '' is XXXX and from XXXX reviews is another debt collection agency that people like me will never get a hold of. Their phone lines tell you to leave a message they " are not accepting calls due to the state of the nation. '' They have no contact information. This firm drug their feet to stop my garnishment, took my money for the debt I had already paid and will not return it

Company believes it acted appropriately as authorized by contract or law

Machol & Johannes, LLC

CO

801XX

Consent provided

Web

2021-03-18

Closed with explanation

No

2020-04-19

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There was a home Invasion at my house, One Of The Items That Was stolen Out Of My House Was My Laptop With All Of Me and My Wife Personals Information. Me and My Wife have Been Victim Of Identity Theft They somehow Open Fraudulent Accounts Using Our Information. Attached You '' ll find Police report

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33056

Consent provided

Web

2020-04-19

Closed with explanation

Yes