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customers-complaints-train

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2022-10-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70094

Consent provided

Web

2022-10-18

Closed with non-monetary relief

Yes

2021-05-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have one account on my credit report that is not mine I have not opened this used this or even know what its for XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$20000.00}

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

Experian Information Solutions Inc.

CA

91606

Consent provided

Web

2021-05-05

Closed with explanation

Yes

2022-07-25

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In Accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Bank Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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

Experian Information Solutions Inc.

CO

80909

Consent provided

Web

2022-07-25

Closed with explanation

Yes

2022-06-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In fair accordance with the fair credit act XXXX Account # XXXX from XXXX XXXX and also account # XXXX from XXXX XXXX has both violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

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

Experian Information Solutions Inc.

NY

10467

Consent provided

Web

2022-06-09

Closed with non-monetary relief

Yes

2023-03-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is a complaint against XXXX XXXX XXXX and credit karma. This is regarding XXXX XXXX pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from XXXX XXXX XXXX ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from credit karma saying that I have a new inquiry. I checked my credit report and I noticed that XXXX XXXX XXXX pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of XXXX XXXX XXXX from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that credit karma sold my information and thats how XXXX XXXX XXXX accessed my credit information.

Credit Karma, LLC

CA

90301

Servicemember

Consent provided

Web

2023-03-28

Closed with explanation

Yes

2021-11-06

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

CREDIT COLLECTION SERVICES is communicating with me through XXXX, XXXX, and XXXX stating that I owe a debt when I have never done business with their company before. I XXXX XXXX disputes this debt and ALL claims in accordance of 16 CFR 433.2, Tital 15 USC 1692, Regulation Z, Regulations M, and ALL applicable UCC Articles. Please govern yourself accordingly. If you lack understanding, forward to your ATTORNEY.

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

TN

372XX

Consent provided

Web

2021-11-06

Closed with explanation

Yes

2016-09-18

Debt collection

Medical

False statements or representation

Attempted to collect wrong amount

I received correspondence from Benuck & Rainey on XXXX/XXXX/2015 for an outstanding debt of {$130.00} from XXXX XXXX XXXX XXXX. At the time of the services my mom 's insurance paid for all services ; however, the company claimed that I owed {$120.00}, see enclosed. This company has been harassing mean while I am in school and keeps threatening me if I do n't pay this debt. I am only XXXX XXXX XXXX and I do n't know what to do, so they told me to pay them {$130.00} or else I would have bad credit and would not be able to get student loans for college. I was forced to pay them from my summer 's savings as I was afraid that this matter would jeopardize me starting my next semester of college which would start in just a few weeks. No sooner that I had paid this bill, I received another bill from them, this time for {$410.00}. ( see attached ). I was again very surprised and started crying because I do n't know what to do. When I went back to look at my past statements from XXXX XXXX, it showed that I owed only {$94.00}, but again, my mom 's insurance pays for everything. I keep receiving phone calls from this company everyday, even when I am in class or out on the field practicing demanding that I pay this {$410.00} that I do n't owe. Despite asking them for proof that I owe them this money, they continue to harass me, they 've even called my other while she is at work, even though I never gave them permission to call her.

Benuck & Rainey, Inc.

NH

03062

Consent provided

Web

2016-09-18

Closed with explanation

No

Yes

2021-09-29

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years. Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years. I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ). In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF. Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update. I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.

AES/PHEAA

VA

22207

Servicemember

Consent provided

Web

2021-09-29

Closed with explanation

Yes

2022-10-25

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I took out a payday loan with Advance cash during the Covid pandemic. I could not continue to pay it off with the high interest and high payments. The interest they charge is far above allowable usury so I am not sure how this even happens? How do I know after making payments for as long as I did is the balance higher than the original loan amount? Advance Cash sold this debt to XXXX XXXX XXXX. These people have called me, my mother and my sister and threatened to come arrest me at work. They have sent several messages about pending legal action, warrants, and asking my address to come arrest me. They have also sent several emails saying there was a warrant out for me and even used a lawfirm paper head saying i had an active case. I called the lawfirm and learned that was a lie and that these people were representing themselves using the name of a big law firm to intimidate me. Now I see that XXXX XXXX XXXX has reported this on my credit report. When will this harassment end? This cant be Ok!

Makes Cents, Inc. dba Advance.Cash

NJ

07030

Consent provided

Web

2022-10-25

Closed with explanation

Yes

2022-12-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit reporting act. The list of accounts below has violated My federally protected customers, right to privacy and confidentially under 15 U.S.C 1681. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dont know acct # XXXX XXXX XXXX XXXX XXXX Dont know acct # 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 15 U.S.C 1681. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) sections 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 convictions of crimes which anti-dates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

NY

10459

Consent provided

Web

2022-12-12

Closed with explanation

Yes

2017-09-05

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am a veteran and all my school loans should have been paid or reimbursed though military.

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

78634

Consent provided

Web

2017-09-05

Closed with explanation

Yes

2022-08-16

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$35000.00}

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

Experian Information Solutions Inc.

PA

152XX

Consent provided

Web

2022-08-16

Closed with explanation

Yes

2018-08-11

Student loan

Federal student loan servicing

Incorrect information on your report

Account information incorrect

This is directed at XXXX XXXX, Senior Resolution Specialist for Nelnet Student Loan Servicer. This complaint is in reference to the Fair Credit Reporting Act on what was reported to XXXX which was actually reported but the reported amount was {$47.00} not the {$50.00} I paid on XX/XX/18. Please go to my history that shows how much was paid. Now as to XXXX and XXXX after all my phone calls because you wouldn't believe that your company didn't report my payment to these credit bureaus. As of XX/XX/18 XXXX and XXXX were finally able to verify to me that Nelnet finally fixed my issue. But now there's another problem. On all three of my credit bureau reports, one of your employees reported I paid {$47.00} not the {$50.00}. Where's my {$3.00} and why would an employee report {$47.00} and not the {$50.00} I paid? Did Nelnet think I would't find out? Now I have to wonder about the accuracy of your Website on the Principal and Interest. Now I have to contact the Department of Education for a third time because of the incompetence of your company. On my account, it is still showing that payments are being processed that went through my checking account days ago. The two separate payments that I made on the morning of XX/XX/18 are not showing up under the payment history. These payments were made way before your cut off time.I want this taken care of immediately {$50.00} reported to all three credit bureaus. I can't wait till Nelnet reports my payments in XX/XX/2018, it ought to be interesting. You as a loan servicer, especially for the Department of Education, should have people competent enough to input the right amount somebody has paid on their student loan for the month. Your screwing with my credit reports and I won't put up with it. Because of Nelnet 's constant mistakes and a Senior Resolution Specialist won't believe what your telling him and won't even check into the issue, I have had to put the credit bureaus into my contacts on my phone and the Department of Education because of Nelnet. You as a Senior Resolution Specialist did not do your job. I don't care if you are upset with me or don't like what I've said about Nelnet because it's true. It's not my problem, it's yours! On Monday XX/XX/18, I will be checking with all the credit bureaus to make sure the amount has changed. The scary thing is that this probably happens everyday to people who pay their loans. I'm sure we'll have further written communication in the future.

Nelnet, Inc.

CA

954XX

Consent provided

Web

2018-08-11

Closed with explanation

Yes

2017-07-23

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Received a notice of debt collection by a company named XXXX XXXX in the amount of {$2800.00} owed to Wells Fargo Bank. I contacted Wells Fargo Bank to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

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

WELLS FARGO & COMPANY

NV

89123

Servicemember

Consent provided

Web

2017-07-23

Closed with explanation

Yes

2023-03-22

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 recently reviewed my credit report and noticed inquiries I did not authorize and I have never done any business with theses companies nor gave them permission to pull my credit. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21230

Consent provided

Web

2023-03-23

Closed with non-monetary relief

Yes

2020-06-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$500.00} XXXX XXXX {$6400.00} XXXX XXXX {$340.00} XXXX XXXX {$360.00} XXXX XXXX {$1000.00} XXXX XXXX {$3000.00} XXXX XXXX {$400.00} XXXX XXXX {$12000.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75043

Consent provided

Web

2020-06-12

Closed with explanation

Yes

2019-03-22

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

On XX/XX/2019 my husband and I applied and were approved for a Capital One credit card with a secured XXXX credit limit. We were told by Capital One that we needed to activate the card through their Mobile App which we downloaded to our phone. We logged in with information Capital One already had on file and our account was merged with an " existing '' account that did not belong to us and we were not aware of at the time. 10 days after activating our account we remitted 2 payments. On XX/XX/XXXX, a payment of XXXX was made through the mobile app. On XX/XX/XXXX a second payment was made through the mobile app. Both payments were processed and returned without our knowledge. We called Capital One customer service on XX/XX/XXXX to find out why our payments had not been applied and found out through customer care that the payments made through the Mobile App where made with a checking account they had on file which did not belong to us and has never belonged to us. We asked that information to be deleted from our account and updated our account with the correct banking information over the phone, at the same time we made a 3rd payment over the phone with the newly corrected information. The payment was posted on XX/XX/XXXX for the amount of XXXX. We were told that once the payment had posted it would take 24 hours for our credit line of XXXX to be made available. On XX/XX/XXXX, we attempted to log into the mobile app to see if our credit line had been made available. The app was deactivated and we were not able to log into our account. We then called customer service and spoke to an account supervisor who informed us that a temporary 7 day hold had been placed on the account because of the two returned payments made back on XX/XX/XXXX and XXXX. She told us that in order for the hold to be lifted, we would need to contact our banking institution and have them speak directly with Capital One to confirm that the XXXX payment made on the XXXX had cleared the account. We called back later after we had our banking customer service rep on the phone and attempted to conference Capital One in on the call only to find out that our account had been permanently closed and we were no longer able to view our account online or through the mobile app. Capital One explained the account was closed under the justification that 2 payments had been returned and that in the Terms and Agreements, which we agreed to, it states that Capital One can close an account at anytime with payments that have not been honored. We understand this, however, the two payments we made, were made with the understanding that they were being debited from the correct account. We had no knowledge that Capital One had incorrect banking information and we were never given the opportunity to review any information they previously had on file. We submitted all the correct information for payment, and Capital One processed our payments incorrectly, then they closed our account without notice. We were penalized for their own mistake. We made a XXXX payment to this company understanding that we would receive a credit line of XXXX. They took our payment of XXXX and closed our account without giving us the services they promised. They will not issue a refund, and they refuse to re open the account. We've spent hours on the phone trying to investigate the issue and have not received any help concerning the matter. We subsequently found out through the Payment services center, that this card was actually an unsecured card and that charges had already been made. We have never used this card because we believed this was a secured credit card and that we had to submit XXXX before our credit line would be issued. A fraud investigation has been opened, but there is no guarantee our money will be returned to us in a timely manner. We want a refund immediately. Our bank is not able to reverse the charge because the XXXX was an authorized payment. We've lost XXXX and want our money back because Capital One failed to provide the services they promised and closed wrongfully closed our account.

CAPITAL ONE FINANCIAL CORPORATION

UT

84081

Servicemember

Consent provided

Web

2019-03-22

Closed with explanation

Yes

2015-06-16

Debt collection

Medical

False statements or representation

Attempted to collect wrong amount

Over the course of 3 years ranging from when I was XXXX - XXXX years old, I had multiple visits to a Medical Office where I was seen. Undenounced to me these visits were not paid in full by my Mother or Father which were my legal Guardians at the time. The unpaid visits were sent to a Collection Agency in an attempt to collect. The Collection Agency placed the past due debts under my name/ social security number with information on paperwork they shows I was under the age of XXXX at the time of the visits. Unknowingly I paid these debts off in full thinking they were for something else. The Collection Agency is offering to refund my money, but, only after I informed them of this situation years after it began.

Revenue Cycle Management

NH

037XX

Consent provided

Web

2015-06-18

Untimely response

No

No

2022-06-03

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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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

Experian Information Solutions Inc.

FL

33179

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2023-08-16

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Problem with paying off the loan

paid off loan ( saved receipt and screenshots and video of XXXX $ balance in branch ) Called XXXX XXXX to verify and inquire abt reducing late fees and was told the remaining late fees were non-negotiable and had to be paid BUT were treated as " completely separate '' from Principal and Interest and that to avoid collections i should pay at least once before 120 days elapsed and that would " reset the 120 day clock '' each month AND that it would NOT report to CRA 's as well. NOW after seeing that the system/they ADDED XXXX XXXXXXXX XXXX $ to my previously XXXX account/loan i called to complain and they said the system puts this on to " keep the account open '' so the remainder late fees can be paid- BUT said they don't know if it will then AUTO-REPORT to CRA 's as being {$1.00} and 30days or whatever amount of days 'late ' which would be both illegal and inaccurate. ( As i don't actually owe the underlying 'phantom ' dollar ) Just the late fees, which per their policy don't get reported.

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

WELLS FARGO & COMPANY

CA

91030

Consent provided

Web

2023-08-16

Closed with explanation

Yes

2023-09-22

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/2023 I sent a letter to the credit bureau. The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, demands that they provide actual proof the information was verified, not a computer generated confirmation. They never provided : 1. The names and business addresses of each individual with whom they verified the information with above, so that I may follow up. 2. The date they contacted the individual furnishers of information. 3. The method of communication they used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. I was never given this information Bureau ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 1. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 4. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

750XX

Consent provided

Web

2023-09-22

Closed with non-monetary relief

Yes

2018-09-04

Debt collection

Credit card debt

Threatened to contact someone or share information improperly

Contacted your employer

Received phone call on XX/XX/XXXX from XXXX at my job from an American Express debt collector. I set up payment plan with debt collector that same day and told the debt collector to not call my job again as my job does not accept phone calls from debt collectors. Received another call at my job on XX/XX/XXXX from the same debt collector from XXXX. Other phone number used : XXXX. I am still receiving calls to my job even after setting up payment plan.

AMERICAN EXPRESS COMPANY

CT

064XX

Consent provided

Web

2018-09-04

Closed with explanation

Yes

2022-05-03

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 XXXX Account # XXXX XXXX Accounts Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX Has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

EQUIFAX, INC.

FL

32818

Consent provided

Web

2022-05-03

Closed with explanation

Yes

2023-07-07

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

Credit reporting

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

Investigation took more than 30 days

I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

34234

Consent provided

Web

2023-07-07

Closed with non-monetary relief

Yes

2022-05-14

Checking or savings account

Savings account

Managing an account

Funds not handled or disbursed as instructed

On Friday, XX/XX/XXXX XXXX XXXX dollars were withdrawn out of my savings ( {$6000.00} ) and checking ( {$1000.00} ) accounts on PNC bank. I am left with only about {$200.00} dollars left on my account and after taking to a representative for about 2h on XX/XX/XXXX ( could not get in touch with the bank during the night on the XXXX ), no solution was posed on a near future. I am left with {$200.00} for the foreseeable future, considering everyday bills, food, etc. This is the second time something like this happens with PNC this year- last time was in XXXX, when I got a call and had to close my old account and open a new one, with a new credit card and etc. Fortunately they were able to prevent any money being taken out in XXXX, but not this time. The bank is supposed to be a safe place to store your money, how is it possible that a random person goes into a PNC branch and cleans out someones account and the bank representative did not even know where it had happened? How is it possible that I am left with no solution, no money and no empathy, even when I took all of the steps asked in XXXX to prevent this from happening again?

PNC Bank N.A.

PA

19464

Consent provided

Web

2022-05-14

Closed with monetary relief

Yes

2018-05-09

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

The debt collection company " Transworld System Incorporated '' call multiple times a day. They use multiple different phone numbers to make it look like it's a different company calling through out the day. Every time I block one number on my phone they call with 3 different numbers. I have not answered and told them not to call yet but I shouldn't feel anxiety and fear every time a new number shows up. I'm waiting for calls for job opportunities so I have to answer every time they call but there is usually a lag between when I answer and say hello and when they start talking to I usally hang up if someone doesn't start talking right away. Also the voicemails on my home phone are all in robocalling voice. It is never a real person for me to even tell not to call

TRANSWORLD SYSTEMS INC

WA

98272

Consent provided

Web

2018-05-09

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

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

SECURITY FINANCE CORP

SC

291XX

Servicemember

Consent provided

Web

2023-02-11

Closed with explanation

Yes

2020-09-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I AM LOOKING AT MY CREDIT REPORT AND I AM INFORMING YOU GUYS THAT I AM A VICTIM OF IDENTITY THEFT. THESE ACCOUNTS OR INQUIRIES DO NOT BELONG TO ME. I HAVE NO IDEA HOW THESE ACCOUNTS WERE AUTHORIZED. REMOVE THEM BC THEY ARE NOT MINDS.

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

Experian Information Solutions Inc.

AL

36109

Consent provided

Web

2020-09-14

Closed with explanation

Yes

2023-07-04

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

EQUIFAX, INC.

FL

32738

Consent provided

Web

2023-07-04

Closed with non-monetary relief

Yes

2022-05-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft and I have fraud phone numbers on my personal file ( 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.

TX

78628

Servicemember

Consent provided

Web

2022-05-12

Closed with non-monetary relief

Yes

2020-12-03

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Application denied

Based on the recommendation of our vet and due to an expensive procedure one of our dogs is having she recommended applying for Credit Care with Synchrony Bank. This would allow us to pay off the cost over 6 to 12 months interest free. I completed the application after removing a credit freeze on one of our credit monitoring reports. I called them to let them know it had been done and the agent wanted to talk with my husband under whose name the card would be issued. She asked for our phone numbers and even though this was provided on the application she said it didn't correspond with what she had and told us we would need to submit a video of my husband 's head and also take a picture of his license. This felt like an invasion of our privacy but we attempted to do it anyway. We failed after the allowed four attempts to accurately video my husband 's head so I called them back to tell them we were having trouble with this step. They indicated they could allow more attempts, but I remarked it would do no good as the first 4 attempts didn't work. I said please visually look at the video and DL and they could see it was my husband applying. But they declined our request to open credit with them. Mind you, we had previously opened another account with this company that took seconds to open. I closed that other account today, due to the treatment we received from them. This is wrong on so many levels. We have great credit and never had a problem before. They said it was to prevent identity theft. I'm concerned that my husbands driver 's license and video is in their files and available to any one who would hack their company. Where's the protection from identity theft there? We would like the videos and DL picture of my husband to be removed from their files. We do not want a credit card from this company anymore as we were treated so badly. I even talked with a XXXX and got nowhere. I have to admit by the end I was pretty angry.

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

SYNCHRONY FINANCIAL

OR

97070

Consent provided

Web

2020-12-03

Closed with explanation

Yes

2023-08-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There is an account named XXXX XXXX XXXX act # XXXX this account does not belong to me and is reporting inaccurately to my credit reports and needs to be removed.

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

Experian Information Solutions Inc.

GA

30314

Consent provided

Web

2023-08-09

Closed with explanation

Yes

2021-01-27

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I, the consumer sent Equifax a removal letter through certified mail. The dispute letter was sent on XX/XX/XXXX, asking to have several accounts reporting about alleged debts removed from my consumer report. Pursuant to 15 USC 1681a ( 2 ) ( B ) Exclusions " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; should be excluded from my consumer report. '' I also sent the letter with a green return receipt and an agent signed saying they received it. Under federal law, this corporation has violated me as a consumer. Equifax 's agents have all infringed on my right to privacy since they are signing for letters that I did not send to them directly. I have disputed the items on my report many times with little to no response from this company. Their previous responses state that the disputes can not be removed because they have been validated, which is false. Pursuant to 15 USC 1692g a corporation can not validate an alleged debt. Due to Equifax 's noncompliance, I have not been able to relocate my family to a safer environment. I have been embarrassed due to denials. This company has caused me and my family many hardships due to the alleged debt being reported on my consumer reports. Pursuant to federal law, only factual information can be on a consumer report. This is identity theft and there is no statute of limitations on fraud. They have infringed on my right to privacy and defamed my character.

EQUIFAX, INC.

NV

89032

Consent provided

Web

2021-01-27

Closed with explanation

Yes

2020-09-11

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

Comenity bank is attempting to collect an apparent debt owed on a XXXX credit card for an item purchased in XX/XX/XXXX of XXXX. The item was purchased on a 12 month deferred interest payment plan. The item was payed off in full in XX/XX/XXXX of XXXX, in advance of the deadline. Here is a list of payments and dates : Initial total : {$3200.00} Purchase date : XXXX XX/XX/XXXX XX/XX/XXXX : {$610.00} XXXX XX/XX/XXXX : {$850.00} XXXX XX/XX/XXXX : {$800.00} XXXX XX/XX/XXXX : {$400.00} XXXX XX/XX/XXXX : {$580.00} I received my first debt notification by phone on XXXX XXXX, XXXX. Prior to this date, I received no written notices by mail, phone, or email.The alleged amount of debt is {$1000.00}, consisting of a late fee and interest accrued over the 5 month period between my final payment and their first contact by phone. I sent a debt verification letter by certified mail on XXXX XX/XX/XXXX. Comenity sent a response that they would perform an internal investigation on XXXX XX/XX/XXXX. My requests within the debt verification letter were not addressed. Comenity sent a second response on XXXX XX/XX/XXXX concluding that the debt was valid. There was no debt verification information attached. None of my requests from my initial letter were addressed. Comenity has failed to provide me a itemized breakdown of the charges, as well as a copy of my initial signed contract regarding the sale of this item despite my written request. I am requesting that Comenity fully respond to each of the requests within my debt verification request letter within a timely manner.

Bread Financial Holdings, Inc.

TX

75034

Consent provided

Web

2020-09-11

Closed with explanation

Yes

2022-06-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATIONXXXX since XX/XX/XXXX ... there is an error on my XXXX and equifax credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATIONXXXX under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.

EQUIFAX, INC.

NY

11706

Consent provided

Web

2022-06-28

Closed with explanation

Yes

2023-08-08

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

Transunion continues to report inaccurate information that is causing me harm. I have contacted Transunion several times to get this matter resolved. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. My name is XXXX XXXX. No other names should be listed on my credit report. 162.6 Reasonable opportunity to opt out. ( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. ( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. ( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. ( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. ( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. ( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. ( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

600XX

Consent provided

Web

2023-08-08

Closed with non-monetary relief

Yes

2023-07-05

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

( Hard inquiries that need to be removed from Equifax credit report, with dates ) Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

AZ

85022

Consent provided

Web

2023-07-05

Closed with explanation

Yes

2015-03-29

Debt collection

Medical

Cont'd attempts collect debt not owed

Debt is not mine

i verified that the debt was wrongly billed to me with XXXX hospital and they stated it should have been removed in XXXX and that it would be removed. they stated this on XXXX/XXXX/XXXX. i just checked and it still remains on XXXX/XXXX/XXXX on my credit report.

Company believes it acted appropriately as authorized by contract or law

HCFS Health Care Financial Services, Inc.

OH

44004

Consent provided

Web

2015-04-02

Closed with explanation

Yes

No

2023-01-16

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

EQUIFAX, INC.

NY

11231

Consent provided

Web

2023-01-16

Closed with explanation

Yes

2017-05-31

Debt collection

Payday loan debt

Written notification about debt

Didn't receive enough information to verify debt

My wife has been receiving calls from XXXX XXXX XXXX ( account # XXXX ) a cting on behalf of Cash Central on an a lleged debt that I owe. The issue is that I have NEVER taken out a loan with them. They advised that there are no stores in the XXXX XXXX area where I reside, so this payday loan would have been done online which I can promise I did not do. I have been given the run around and feel that I have not been given enough information to dispute this debt. I also have not received ANYTHING in the mail from these people. When I asked XXXX XXXX XXXX for the address of Cash Central, I was told the first time that they could not locate it and the second time that their system was frozen. I was only able to obtain an account number ending in XXXX . They also stated that the individual that obtained this loan put down their place of employment as XXXX XXXX , which I worked there, but not in XXXX when this loan was allegedly obtained as I have been employed with XXXX for 7 years. I was finally able to find a phone number for Cash Central and address ( XXXX XXXX XXXX , XXXX , OH XXXX , ph # XXXX ). I followed the prompts, opti on 1, opt ion 1 again, then option 2 for past due status and then it hangs up each time. I had to find another way to get thru by constantly pressing zero, in which I waited on hold for a go od 25 minu tes to only get some new person that advised me that they were unable to release their corporate address, just the billing address to send payments per her supervisor. She then advised that the account was taken over by XXXX XXXX , XXXX . I called them and they told me that the account was recalled back by Cash Central X/X/2014 and they misdirect calls to them all the time. Me and my wife are in the process of building a new home, and I WILL NOT keep dealing with these people, and I definitely wo n't be calling them back a 3rd time just to wait on hold for another 25-30 minutes to get someone on the line just to give me the run around again. I need some help here please!!! This is not my debt and I have not been given the proper information to dispute it. In my opinion, they have the burden of proof, not me. My social is XXXX .

COMMUNITY CHOICE FINANCIAL, INC.

TX

78250

Servicemember

Consent provided

Web

2017-05-31

Closed with explanation

Yes

2022-05-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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

Experian Information Solutions Inc.

VA

23236

Consent provided

Web

2022-05-06

Closed with non-monetary relief

Yes

2017-12-08

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.

Navient Solutions, LLC.

NY

11741

Consent provided

Web

2017-12-08

Closed with explanation

Yes

2017-07-24

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

we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our XXXX account on XXXX XXXX , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on XXXX XXXX ,2017 we receiv ed a letter from Equifax saying that they have verified the information with XXXX . I contacted XXXX and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on XXXX XXXX , 2017 and they said that they do n't use XXXX and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.

EQUIFAX, INC.

ID

832XX

Consent provided

Web

2017-07-25

Closed with explanation

Yes

2018-12-31

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

I paid a monthly amount of {$99.00} to Ameritech Financial thinking it was going towards my student loan debt, unfortunately it wasnt. I was told if I pay this amount for 10 years then my student loans will be forgiven. Every service they provided me I was already doing on my own, I honestly thought my low monthly payments was paying my student loans. The monthly payment was for their service and I was not aware of this. I began payments in XXXX XXXX and they just stopped in XXXX XXXX because the FTC made them seize all operations. So, I haven't even had the time to close my case with them. The money I paid to them could have been going towards my student loans and I am very distraught about this.

Ameritech Financial

MS

38654

Consent provided

Web

2018-12-31

Untimely response

No

2020-11-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm a victim of identity Theft i did not give any Consent to anyone to open these accounts

EQUIFAX, INC.

FL

33168

Consent provided

Web

2020-11-14

Closed with explanation

Yes

2019-06-09

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

Credit reporting

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

Their investigation did not fix an error on your report

Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my dispute letter to the CRA dated XX/XX/XXXX. Inaccurate Items disputed XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Basic dispute reason : remove this account because it shows the date of status didn't change/update, this irrefutable proof that no investigation was done ina previous dispute ... delete immediately However in the CRA dispute results report they claim the items was verified as accurate but how could this be? when the date of status or DOS didn't change/update after the investigation was done, this proves that no investigation was ever done because the date of status or DOS didn't change. DOS didn't change/update even though the CRA claimed that the inaccurate items reporting on my credit report was verified as accurate and their investigation is complete, but the DOS didn't change to be a current updated date as per FCRA. It is to be noted that prior to my dispute with the CRA, inaccurate items XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was (XX/XX/XXXX ), XXXX XXXX XXXX date of status or DOS was ( XX/XX/XXXX ), XXXX date of status or DOS was ( XX/XX/XXXX ) After what is known as an investigation that was conducted and completed by the CRA, my dispute results from that investigation shows the DOS didn't change/update.

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

Experian Information Solutions Inc.

FL

32822

Consent provided

Web

2019-06-10

Closed with explanation

Yes

2023-06-19

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

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33126

Consent provided

Web

2023-06-19

Closed with non-monetary relief

Yes

2022-03-08

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2022, 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 I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

LA

70806

Consent provided

Web

2022-03-08

Closed with explanation

Yes

2021-06-19

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

Credit reporting

Unable to get your credit report or credit score

Problem getting your free annual credit report

I went onto XXXX this evening to pull all three of my credit reports. It only allowed me to pull the XXXX ( which showed my old address from a year ago ( XXXX XXXX XXXX XXXX XXXX, IL XXXX ) as my CURRENT address which is actually ( XXXX XXXX XXXX XXXX XXXX IL XXXX ) on their main screen that has you enter your email and phone number after you log in, but won't allow you to fix the address or name! Then once I got past this the actual report had my current address showing correctly in XXXX, IL and Equifax which had tons of old accounts that have been paid off from my student loans from the past from eleven years ago ( they are suppose to remove old accounts after seven years ) on top of this they have all been paid perfectly but they only show X 's on most months except for a couple, then when I clicked the next button to go to the XXXX report it said they were having technical difficulties and would not allow me to view it!!! I tried it twice, same thing!! When you are guys going to MAKE these credit reporting agencies tow the line and follow the laws??? They of all people should NEVER have an error of any kind on a report on ANYONE, they are the only ones holding all of our personal information!!! If they are that incompetent or LAZY that they can not do their jobs, they need to all be fired and the businesses SHUT DOWN with huge fines applied to them!!!! We don't even need them, this country got by much better when these idiots were not screwing up everyone 's financial lives by misreporting their personal information on a daily basis!!!! Make them fix these errors too and I want my XXXX report and a copy of Equifax and XXXX too once all is corrected and the online versions had better match the paper versions they send me and the CFPB because I WILL contact my lawyer and sue them if they do not!!!!! I will ALSO sue them for any health issues like my XXXX XXXX they are causing to go up and all the stress and wasted time I have spent having to write letters, file complaints and analyze and fix their XXXX errors!!!!!

EQUIFAX, INC.

IL

628XX

Consent provided

Web

2021-06-19

Closed with explanation

Yes

2023-02-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I took a look at my credit report only to find out that someone has opened a XXXX XXXX Bank charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.

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

Experian Information Solutions Inc.

MS

39305

Consent provided

Web

2023-02-14

Closed with explanation

Yes

2023-04-28

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 these companies have violated my rights. XXXX XXXX # XXXX. XXXX XXXX # XXXX. XXXX XXXX. # XXXX. XXXX XXXX XXXX # XXXX. XXXX XXXX # XXXX. I have a right to privacy. 15 USC 1681 section 602A states I have the right to privacy. 15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

XXXXX

Consent provided

Web

2023-04-28

Closed with non-monetary relief

Yes

2022-07-25

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

Credit reporting

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

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A : States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without written instruction or consent. Provide proof of written consent or remove the item from the credit report.

EQUIFAX, INC.

RI

028XX

Consent provided

Web

2022-07-25

Closed with explanation

Yes

2023-07-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

While reviewing an updated copy of my credit report, I discovered that these inquiries are reported. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

IL

60107

Consent provided

Web

2023-07-18

Closed with explanation

Yes

2023-07-06

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I am a victim of identity theft please remove this fraud inquiry from my credit report.

EQUIFAX, INC.

NE

68130

Consent provided

Web

2023-07-06

Closed with explanation

Yes

2023-03-22

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX XXXX XXXX XXXX has reported a {$150.00} medical debt that I have told the creditor is invalid as it was billed under the same code on the same day by the same doctor so insurance will not cover that submission. I did pay the doctor office for the procedure and the code. I was not paying twice for one procedure. The creditor and doctor said they don't need to fix it. I am submitting insurance documentation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

490XX

Consent provided

Web

2023-03-22

Closed with non-monetary relief

Yes

2020-04-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$480.00}, {$0.00}, {$0.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and 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 under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account. 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- AUTO ACCOUNT -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90710

Consent provided

Web

2020-04-05

Closed with explanation

Yes

2020-04-03

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

Credit reporting

Incorrect information on your report

Account information incorrect

I paid off XXXX XXXX XXXXXXXX. And Experian lowered my score. I still see old info from XXXX XXXX that I have not made payments. XXXX! It is paid off! Title is in there as proof! Experian lowered my scores many times lately. Experian accused me for not making any payments when I already had paid on time using autopay with XXXX. Insurance policy was changed from XXXX to XXXX. Experian accused me for not paying anything. Experian so lowered my score after EXPERIAN SUGGESTED ME TO use their matched credit card to boost my score. It backfired and then Experian lowered my scores way down! XXXX off!

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

Experian Information Solutions Inc.

TX

78666

Consent provided

Web

2020-04-03

Closed with explanation

Yes

2022-02-07

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

Credit reporting

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

Investigation took more than 30 days

I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Genesis FS Card Services, Inc.

OH

441XX

Consent provided

Web

2022-02-16

Closed with explanation

Yes

2023-02-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Consider this as a follow-up complaint to my previous complaint dated XX/XX/2023. The accounts that are erroneous in my file must be removed due to their inaccuracies Here are the aforementioned accounts : XXXX XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX balance {$62.00} These accounts are inaccurate and fraudulent. Im seeking Litigation. Please delete them at once.

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

Experian Information Solutions Inc.

PA

19121

Consent provided

Web

2023-02-18

Closed with explanation

Yes

2023-04-23

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Base on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 3 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

MO

631XX

Consent provided

Web

2023-04-23

Closed with explanation

Yes

2018-09-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.

Company disputes the facts presented in the complaint

GENTRY FINANCE CORPORATION

NV

89123

Consent provided

Web

2018-09-07

Closed with explanation

Yes

2018-01-16

Checking or savings account

Savings account

Opening an account

Didn't receive terms that were advertised

I have sent three emails to CIT Bank asking about the {$100.00} bonus I was promised when I opened this account. I was told I would receive this bonus if I kept an average daily balance of $ XXXX in this account for the first three calendar months AFTER I opened this account. I was also told I would receive this bonus within 45 days of the third month. So I should have received this bonus by now. I opened this savings account in late XXXX of 2017. I did in fact keep this balance through the months of XXXX, XXXX and XXXX. I have not received replies to my two most recent emails concerning this matter.

CIT BANK, NATIONAL ASSOCIATION

MT

59404

Consent provided

Web

2018-01-16

Closed with monetary relief

Yes

2021-10-02

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX XXXX not conducting timely investigation.

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

Experian Information Solutions Inc.

GA

30252

Consent provided

Web

2021-10-02

Closed with explanation

Yes

2022-05-31

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

I signed up for an American Express gold card with a XXXX bonus point offer after spending {$4000.00} in four months. More than 16 weeks after meeting the spend requirement, the bonus points still have not posted. I first contacted American Express about this via chat on XX/XX/XXXX. I reached out again XX/XX/XXXX via chat and again via phone on XX/XX/XXXX.

AMERICAN EXPRESS COMPANY

IL

60614

Consent provided

Web

2022-05-31

Closed with explanation

Yes

2022-04-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with The Fair Credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, XXXX, Account # XXXX XXXX @ XXXX XXXX original creditor XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX original creditor XXXX XXXX, Account XXXX XXXX XXXX XXXX original creditor XXXX, Account # XXXX XXXX XXXX original creditor XXXX, Account # XXXX XXXX XXXX XXXX XXXX original creditor XXXX XXXX 15 U.S.C 1681 section 602a States I had 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

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

Experian Information Solutions Inc.

DE

198XX

Consent provided

Web

2022-04-20

Closed with non-monetary relief

Yes

2021-07-31

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

Credit reporting

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

Investigation took more than 30 days

This is an update regarding Complaint XXXX issued XXXX, It is now XX/XX/XXXX ... and there is literally NO RESOLUTION by XXXX XXXX XXXX ( BoA ). Since XX/XX/XXXX, it has been a series of delays and 'give us more time ' delays with no resolution by this bank. This is ridiculous! It's feeling like monthly stall-tactics are being used by the bank. Please note that social media is a powerful tool to upon other consumers about this bank 's activity. I've resisted use of social media up to this point thinking that proper resolution would occur at a reasonable time. Clearly it has not -- and now it is time to use this powerful too to warn others about XXXX XXXX ethics. COMPLAINT ID PRIMARY CONSUMER PRODUCT AND ISSUE CONSUMER-IDENTIFIED COMPANY SUBMITTED STATUS XXXX XXXX XXXX General-purpose credit card or charge card Fees or interest XXXX XXXX XXXXXXXX XX/XX/XXXX Open Company response is in progress as of XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WA

XXXXX

Older American

Consent provided

Web

2021-07-31

Closed with explanation

Yes

2021-03-22

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

Credit reporting

Incorrect information on your report

Account status incorrect

The car was in an accident due to mechanical errors. I am out on XXXX because of this accident. CarMax took the car XX/XX/XXXX but is still reporting as if I have the car. I already voluntarily relinquished the car. Since they refused to fix it after I almost died in it. They have had the car for over a month and at are fraudulently reporting as if I have the car and not paying. The account was reported XXXX past due in XXXX now it's says XXXX past due and I don't even own it. They already sold it and they keep calling me every day harrasing me about the car when it's sold to someone else. I tried to pay them in XXXX for the car back if they corrected my credit report to say that it was not late or past due. Because it really wasn't if they fixed it so that I can drive. They are lying on me and it's distasteful.

CarMax, Inc.

IL

60628

Servicemember

Consent provided

Web

2021-03-22

Closed with explanation

Yes

2023-04-14

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

Credit reporting

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

Their investigation did not fix an error on your report

In accordance with the Fair Credit Reporting Act, I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to request an investigation and correction of the accounts listed below, which I believe to be incomplete and inaccurate on my credit report. The account in question is with XXXX XXXX XXXX, with an account number of XXXX and a balance of {$7900.00}. I find it unacceptable that this account is labeled as " XXXX XXXX, '' yet a balance remains on the statement. I request an immediate explanation for this inconsistency, as the balance is undoubtedly incorrect. I demand that you rectify the issue by setting the balance to XXXX or removing the item from my credit report entirely.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MO

631XX

Consent provided

Web

2023-04-14

Closed with non-monetary relief

Yes

2023-09-01

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX CRA : Transunion Address : XXXX XXXX XXXX XXXX, PA XXXX ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of TransUnion, as listed on my most recently reviewed consumer report, several fraud/unauthorized are listed. As a reference, please see the below inquiries : XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX XXXX : Inquired on XX/XX/XXXX XXXX XXXX : Inquired on XX/XX/XXXX I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have yet to give TransUnion this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately, my consumer and privacy rights are being violated. Unless you can produce any proof or evidence supporting your claim or show that you were right in your decision to furnish this information please remove the inquiries mentioned above within 15 days of receiving this letter. You must report information accurately ; you are not doing that now. I look forward to TransUnion resolving this matter with this initial communication. Should you choose to be willfully neglectful regarding my file, I will file a dispute against you in small claims court seeking remedy for said violations. Warm Regards, XXXX, XXXX XXXX Without prejudice, all-natural inalienable rights are reserved.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

452XX

Consent provided

Web

2023-09-01

Closed with non-monetary relief

Yes

2019-10-18

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

I verify that I never made late payments to any student loan accounts with XXXX. And to verify that said loans belonged to me bearing my signature. All else is fraud and identity theft. Under ( FCRA ), 15 USC section 1681i, companies has to correct/update and remove accounts.

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

Experian Information Solutions Inc.

MN

55044

Consent provided

Web

2019-10-18

Closed with explanation

Yes

2023-03-30

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

On XX/XX/XXXX I paid my credit card balance in full via XXXX XXXX on line bill paid. We have been paying the same credit card via the same XXXX XXXXXXXX on line bill payment system for about 10 years. The payment was sent prior to the due date. On XX/XX/XXXXXXXX I happen to notice that the funds were returned to my account. I contacted the credit card company as was told that 1 year previously their bank account addressed had changed and that just resubmit with a different address. I did resubmit and continued to follow up. When I received a statement without the payment applied and late fees and interest I called the credit card company a number of times. Even though the large payment was lost I made additional payments via the phone. More calls followed and more payments were made and the funds were finally returned. However late fees and penalties accumulated. While the card card company apologized for their errors they said that they were not authorized to waive the fees and put it into dispute however they never responded to the dispute. I could use your help address with this problem. thank you XXXX

CAPITAL ONE FINANCIAL CORPORATION

NY

11793

Consent provided

Web

2023-05-26

Closed with explanation

Yes

2022-12-19

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

Credit reporting

Incorrect information on your report

Account status incorrect

there was an out standing amount of XXXX XXXX showing against me from XXXX XXXX XXXX XXXX CONTRACT ID : XXXX which i had already paid on XXXX XX/XX/2022 at XXXX XXXX but the company has reported my account as written off/wilful defaulter in the credit bureau and now i am getting trouble in getting any credits or loans.I ALSO RAISED A DISPUTE IN CREDIT BUREAU BUT NO SOLUTIONS TO THE PROBLEM.DOCUMENTS ARE ATTACHED HEREWITH.PASSWORD FOR XXXX IS XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

XXXXX

Consent provided

Web

2022-12-19

Closed with explanation

Yes

2019-07-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. I have reached out to the police in my city and the FTC. Im also doing this on my own behalf. XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is another account as well that does not have a name. The account- # XXXX. There are o.lso some inquiries that are not mine XXXX, XXXX and XXXX.

EQUIFAX, INC.

GA

30345

Consent provided

Web

2019-07-02

Closed with explanation

Yes

2017-12-28

Vehicle loan or lease

Loan

Struggling to pay your loan

Denied request to lower payments

I am writing this letter on behalf of my father. I am his daughter and I just became care taker of his finances on XXXX XXXX, XXXX after he was hospitalized XXXX XXXX, XXXX. As I am currently reviewing my fathers finances, I came across his car note. I have many concerns about the contract being that my father is on a fixed income. He is requesting a reduction in the interest rate on the car payments. He requests you to reduce the current interest rate of 24.01 % to a more reasonable rate of 3.95 % so it is more in line with the current market rate for used cars. We have visited the websites of several competitors and notice that they are offering an interest rate much lower than what he is currently receiving. He stated that the whole process was confusing because of the electronic signature process. He was XXXX XXXX XXXX at the time and does not have a good understanding on todays technologies. After reviewing this information with my father, we feel that this contract is unfair. There is a scam that unscrupulous salesmen and load companies play on the elderly and I am hoping this is not the case. My father have been a solid customer with your company for the past 20 months and would appreciate your consideration of a lower rate on his account. You will find that he maintained an excellent history of payment with your company and would appreciate your consideration of a lowered rate at this time.

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

CREDIT ACCEPTANCE CORPORATION

CA

93311

Older American

Consent provided

Web

2017-12-28

Closed with explanation

Yes

2017-10-01

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

My wife and I have a Bank of America XXXX. They detected fraud and issued us new credit card numbers, but the fraud charges continued immediately with the new credit card number. I was also using the card and sometimes the fraud charges were occurring on the same day as my charges. A third credit card number was provided. We were originally told that we would not be responsible for the fraudulent charges, but recently Bank of America told us in writing that they have concluded their investigation and we are now responsible. The total amount of the charges is ~ {$57000.00}. The reason why they are saying that the charges are not fraud is that someone ( male voice ) called from our home phone and approved at least one of these charges. So since the charges we are disputing include the " approved '' charge, Bank of America believes that none of the charges are fraud. My wife and I live alone, and no one else has access to our residence other than our cleaning lady. Bank of America has issued us new credit card numbers a few times now, always based on fraudulent activity that they detected. When I originally filed a police report on this fraud, I was told by the officer ( XXXX NJ Police Department - Case # XXXX ) that there is technology available known as " caller id spoofing '' that can make it look like a call is originating from a specific number, when in fact, it is not. This could explain some things. My wife and I did not make these high price charges on our Bank of America XXXX. I visited a Bank of America retail store because I was told I needed to substantiate my identity before they would talk to me. I did this. This was the only way I was able to find out the reason why B of A believes the charges were not fraud. I have yet to find out when exactly ( date and time ) the call or calls were made from my home phone number that approved the high price charges. Also it is important to know that I have been the victim of identity theft. Someone did open a XXXX XXXX XXXX XXXX ( XXXX ) in my name at a retail location and obtained {$5000.00} in instant credit, and purchased ~ {$4800.00} in merchandise that day. I received the credit cards in the mail at my home address. I reported this to XXXX immediately and I am not liable for these charges. My personal information was compromised during the XXXX breech. I went on their webpage and did substantiate this fact. I feel that Bank of America 's identity verification system is not robust enough, given the widespread breech of personal information.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NJ

079XX

Consent provided

Web

2017-10-01

Closed with monetary relief

Yes

2022-04-20

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

With my recent credit report, there are late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following accounts needs to rectify, it indicates the company name, balance and date last reported : XXXX / {$1200.00} / XX/XX/2022 XXXXXXXX XXXX {$150.00} / XX/XX/2022

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94601

Consent provided

Web

2022-04-20

Closed with non-monetary relief

Yes

2023-03-07

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

Portfolio recovery, a debt collector keeps calling me multiple times a day every single day, when I block a number they call me from they call me from a different number. This has been going on for YEARS now. The debt started with XXXX XXXX, which I DID NOT take those credit cards out, my ex boyfriend did and ran them up {$4000.00} on each card. I contacted XXXX XXXX and explained it was fraud and they told me that there is nothing they can do I'm responsible for paying it, long story short they cut the debt in half, I paid around 55 % of the debt and I told them I am NOT paying anymore because I should of had to give them a cent in the first place. Now portfolio recovery will NOT stop harassing me! Something needs to be done or I will take legal action. Please help me.

PORTFOLIO RECOVERY ASSOCIATES INC

NJ

08757

Consent provided

Web

2023-03-07

Closed with non-monetary relief

Yes

2021-09-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/XXXX, Transunion received an identity theft report in according with the FCRA. FCRA states a credit reporting agency ( Transunion ) is required to block the information within 4 days. Transunion failed to block the information. Transunion does not have the authority to decline or rescind any block because it was not made in error, there was no material misrepresentation of the facts, and I am not in receipt of any evidence to which Transunion has determined that I have obtained any goods or services as a result of the blocked transactions. Additionally, since then Transunion has allowed the alleged accounts to continue reporting what should be known as false information. Transunion has failed to follow the requirements under 15 USC 1681c-2. Their failure has caused significant harm to my reputation and allowed for my private information to be obtained without proper systems in place to protect me.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92596

Consent provided

Web

2021-09-08

Closed with explanation

Yes

2023-02-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

CAP1/XXXX {$950.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$340.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$490.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX

CAPITAL ONE FINANCIAL CORPORATION

IL

60185

Consent provided

Web

2023-02-21

Closed with explanation

Yes

2022-05-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX 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.

GA

30038

Consent provided

Web

2022-05-01

Closed with non-monetary relief

Yes

2023-05-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This inquiry does not belong to me and is inaccurate. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX did not authorize my consent to pull my credit profile.These inquiries are fraudulent i I would like them removed immediately

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

27330

Consent provided

Web

2023-05-18

Closed with explanation

Yes

2022-06-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

THIS ACCOUNT HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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

EQUIFAX, INC.

IL

601XX

Consent provided

Web

2022-06-26

Closed with explanation

Yes

2021-12-08

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32571

Consent provided

Web

2021-12-08

Closed with non-monetary relief

Yes

2018-04-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have sent a certified letter to TransUnion, XXXX, and XXXX disputing a negative item that they are reporting on my credit report from XXXX XXXX, account number XXXX. I have requested that they validate the information with XXXX and provide me details ; to include provide me with copies of any documentation associated with this account, bearing my signature. In which TransUnion, XXXX, and XXXX failed to do.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

XXXXX

Consent provided

Web

2018-04-01

Closed with explanation

Yes

2022-03-22

Debt collection

Auto debt

Communication tactics

Frequent or repeated calls

I made a payment on XX/XX/XXXX of this year to westlake financial, and they subtracted the same amount on the XXXX of the same month as there was a scheduled payment when I do not have a self-payment or scheduled payments with them, I have called them since that day to return the money and it was not like that, I even told them they will take it as payment for the month of XXXX and they have not done it and they are charging me daily default interest for course delay, they do not want to solve this situation and that brought me consequences with rent payment.

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

Westlake Services, LLC

FL

34744

Consent provided

Web

2022-03-22

Closed with explanation

Yes

2022-12-28

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

Credit reporting

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

Their investigation did not fix an error on your report

Equifax continues to ignore my multiple disputes and violation of FCRA and consumer laws.Equifax has added more inaccurate and incorrect information for which I am also asking to be removed. This has the correct attachments do not close this one as duplicate. You can close previous one as duplicate.

EQUIFAX, INC.

MA

01880

Consent provided

Web

2022-12-28

Closed with explanation

Yes

2023-01-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75181

Consent provided

Web

2023-01-31

Closed with non-monetary relief

Yes

2020-11-06

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

Fidelity National Collections repeatedly calls asking for {$120.00}? for a XXXX XXXX XXXX Doctors office visit that was cancelled ( By the XXXX office ). So there was no visit missed. The XXXX office erroneously billed for this visit and I refused to pay for a visit that was cancelled by them. Now this collection co keeps calling. I have asked them to stop calling. They keep calling. Thanks for any help you can give. XXXX XXXX

Fidelity Properties Inc.

WV

260XX

Servicemember

Consent provided

Web

2020-11-06

Closed with explanation

Yes

2022-08-11

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I have been telling XXXX that people are running my credit without being authorized. They do nothing to stop it send me generic response.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94513

Consent provided

Web

2022-08-11

Closed with non-monetary relief

Yes

2017-03-07

Debt collection

Credit card

Disclosure verification of debt

Not given enough info to verify debt

I had a credit card with Barclays and now the debt is owned by XXXX XXXX from what I am told. The original amount of the credit card was XXXX in which has been charged off by Barclays and XXXX XXXX it trying to collect over 1700 from me who is a student and do n't have alot of money. I received a lawsuit paper from XXXX and XXXX who has not been negotiable with the debt, I have tried several times to offer them half of the XXXX which I do n't understand why I would have to pay more than what I owed and they refused and want me to pay XXXX. I have agreed to making XXXX payments a month for now, but want to just get rid of this and make the original offer of XXXX which would be less now. I need for you to help me in this matter and collection agencies are relentless and now have a lawsuit pending in which is on hold for now since I made a payment arrangemtent.

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

BARCLAYS BANK DELAWARE

NJ

077XX

Consent provided

Web

2017-03-07

Closed with explanation

Yes

No

2022-07-12

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

I have a Chase Sapphire preferred credit the total balance was {$12000.00}. Last year in XX/XX/XXXX was very sick i have to go abroad to take care my self because the hospital bill in USA are too expensive. I don't pay my credit for XXXX months because. I call Chase costumer service they tell me my credit is closed. I can not use it anymore. So my balance was {$12000.00}. Since then I pay XX/XX/XXXX XXXX I Pay : {$1500.00} XXXX I pay : {$400.00} XX/XX/XXXX I pay : {$350.00} XX/XX/XXXX I pay : {$400.00} XX/XX/XXXX I pay : XXXX My Total balance was : {$12000.00} So all my payments maid was total : {$2900.00} I see my balance is : {$11000.00} This is mean : Chase take the principaXXXX is only : XXXX And the interest is : {$1900.00} More than 100/ 100. It's why I file this complaint.

JPMORGAN CHASE & CO.

CO

816XX

Consent provided

Web

2022-07-12

Closed with explanation

Yes

2022-04-01

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

I received notification from my automated credit report monitoring platforms. The original creditor is XXXX, my account was sent to a debt collection agency XXXX to me because I never received a debt validation letter. The amount of {$1900.00} is completely inaccurate but aside from this I was not allow due process to dispute this account or amount. It is in violation of Federal Laws and would like this information removed and me being allowed due process.. These companies should not be allowed to ruin someones credit because they can..

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

Nelson Cruz & Associates LLC

MD

21701

Consent provided

Web

2022-05-02

Closed with explanation

Yes

2021-01-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30294

Consent provided

Web

2021-01-25

Closed with explanation

Yes

2018-08-23

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

XXXX has been non-compliant with removing the unverified account KOHLS/CAPITAL ONE XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that KOHLS/CAPITAL ONE was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

CAPITAL ONE FINANCIAL CORPORATION

MD

21208

Consent provided

Web

2018-08-28

Closed with explanation

Yes

2021-04-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 2. XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 5. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.

EQUIFAX, INC.

MI

490XX

Consent provided

Web

2021-04-22

Closed with explanation

Yes

2022-01-08

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

Other personal consumer report

Problem with a company's investigation into an existing issue

Their investigation did not fix an error on your report

Removal inaccurate information from my personal information. I have tried three times ( too remove inaccurate employee information and its stated on the the credit file removal occupational ( this is such unethical on their part when I took the time to write and email to remove the inaccurate employment information. To just delete the information thats inaccurate

EQUIFAX, INC.

TX

770XX

Consent provided

Web

2022-01-08

Closed with explanation

Yes

2021-07-10

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

CURO Intermediate Holdings

CA

94534

Consent provided

Web

2021-07-10

Closed with explanation

Yes

2022-03-25

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

Credit reporting

Incorrect information on your report

Account information incorrect

This student loans are fraud. I never have had student loans nor been a co-signer for anyone. I see they are reporting as closed and with a debt, reporting as collection. I am demanding for validation on these accounts as well as they need to be removed from all credit bureaus immediately. XXXX, Equifax and XXXX. US DEPT OF EDUCATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX ______________________ DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Name is also reporting wrong XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX _______________________ I am asking that the credit bureaus correct all this information __________________________ Non authorized inquiries XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 'S XXXX Inquiry XXXX XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

347XX

Consent provided

Web

2022-03-25

Closed with explanation

Yes

2023-03-13

Mortgage

Conventional home mortgage

Credit monitoring or identity theft protection services

Billing dispute for services

Loan Depot was my mortgage provider. I had my payments set up on auto pay through my bank. Loan Depot informed me that I did not make my XX/XX/2022 payment, however, the funds were showing they were removed from my account. I was is in constant contact with Loan Depot including sending them multiple emails documenting the removal of funds. Apparently they failed to cash the check and the funds were restored to my account. I sent them the payment that day through an automated draft directly from my account. Loan depot then proceeded to report a late mortgage payment to my credit report. I have never missed a mortgage payment in my life. I rarely spoke to the same person twice and the customer service was horrible.

LD Holdings Group, LLC

GA

300XX

Servicemember

Consent provided

Web

2023-03-13

Closed with explanation

Yes

2022-12-12

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

Credit reporting

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

Their investigation did not fix an error on your report

I began to work on my credit in XXXX and noticed that Allstate Credit Bureau was reporting an account from a previous lease at XXXX XXXX XXXX in XXXX, Michigan. I moved out and after a shooting occurred that caused damage to my apartment. I requested that the repairs to the property be made directly after this incident. It took the property management nearly XXXX months after the incident to make repairs. This did not happen until nearly XXXX of XXXX. At that time due to personal safety, health, and mental health concerns, I left the property and gave notification in XXXX. I allowed an appropriate time for resolution and repairs. Because the property management failed to provide a " safe '' and " inhabitable '' living space, I gave written notice of my wish to terminate my lease. It was only AFTER I submitted this written request that repairs were performed 3 days later. Their failure to make the space " safe '' after a shooting, as well as " inhabitable '' after the shooting in a timely manner is a CLEAR violation of the Michigan XXXX and XXXX Rights. Because of this violation, I demand that my previous lease be broken without any financial and/or credit worthiness penalty to me. And removed from ALL CREDIT REPORTING AGENCIES.

All State Credit Bureau, Inc.

MI

48207

Consent provided

Web

2022-12-12

Closed with explanation

Yes