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aciborowska

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customers-complaints-train

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2023-09-07

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

I get 1-2 phone calls a day about an alleged debt I owe. I contacted them and informed them that they can not call me more than 7 times within 7 days. They continue calling even while apologizing over calling so many times

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

SYNCHRONY FINANCIAL

OH

446XX

Consent provided

Web

2023-09-07

Closed with explanation

Yes

2023-03-30

Debt collection

Other debt

Attempts to collect debt not owed

Debt was result of identity theft

After submitting a police report showing clearly that the account was not mine and my information was compromised on the dark web, they reinserted the exact same negative information on my credit report cause me problem with my personal life and business expansion.

Source Receivables Management LLC

PA

19150

Consent provided

Web

2023-03-30

Closed with explanation

Yes

2019-09-22

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

Back in XX/XX/2019, in need of a new car, I visited the dealership to see if I could get some sort of financing. The sales rep came back with a twisted face and a horrible credit report in his hands saying that my score was XXXX!!!!! The last time I had checked my score it was in the mid 600s and I didnt recognize alot of the information that was in my credit report like collection accounts, credit cards, addresses, and over 80 inquiries! I immediately knew someone had gotten my information and I called all 3 credit bureaus and had a fraud alert placed. I tried disputing with the credit bureaus about all the misinformation, some things were removed. HUNTER WARFIELD refused to move these two collection accounts ( XXXX XXXX XXXX - ACCT # XXXX ) & ( XXXX XXXX - XXXX ) and these accounts are almost {$8000.00} and {$9000.00} debt that does not belong to me and is extremely affecting my credit. After advising the credit bureaus that these collections are identity theft and I myself did not enter any contract with anyone to owe these amounts. By XX/XX/XXXX all credit bureaus had contacted me back saying HUNTER WARFIELD had verified the information as accurate! I contacted them immediately asking to provide them a police report and identity theft report and they refused saying I could only add a statement because they have already verified. I ask them to provide me with them information they used to verify the account belonged to me and they told me to contact the company who is requesting the debt! HUNTER WARFIELD IS REPORTING FALSE INFORMATION TO MY CREDIT REPORT AND REFUSES TO PROVE THESE ACCOUNTS BELONG TO ME! I believe their actions are unlawful, shameful, vile and without merit. With that being said, it is distasteful for them to throw a curb ball of this magnitude, especially when they continuously REFUSE to Validate the Debt which would prove that they have proper ownership of the debt. Therefore, I believe the possible violations are as follow ( s ) but not limited to : 1. The Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) : Transactions Not initiated by Consumer. 2. 607. Compliance procedures : ( b ) Accuracy of report ( 15 U.S. Code 1681e ) 3. 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) 4. 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ) 5. Continued to attempt to collect a disputed debt is a FDCPA violation according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 6. 15 U.S.C. 1692e False or misleading representations 7. 15 U.S.C. 1692f Unfair practices 8. FDCPA-Validation of Debts 15 U.S.C. 1692g 9. Extortion 10. FRAUD by knowingly attempting to execute, any trickery scheme with the intent to defraud a consumer/ debtor. 11. 15 U.S. Code 1681i ( B ) ( i ) ( ii ) and ( iii ) Requirements relating to reinsertion of previously deleted material 12. FCDPA-Communicating false credit information-807 ( 8 ) 13. FCDPA-Falsely obtaining information about me-807 ( 10 ) 14. FCDPA-Creditor Misrepresentation of Identity-807 ( 14 ) 15. The debt collector shall cease all collection once the item has been disputed according to FDCPA-Validation of Debts 15 U.S.C. 1692g ( b ) 16.

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

HW Holding, Inc

GA

30342

Consent provided

Web

2019-09-22

Closed with explanation

Yes

2017-09-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Released my personal information, which Equifax had no personal permission to collect, released to " hackers '' along with 143 million other people. Then Equifax refuses to give me XXXX because they ca n't verify my info. Called a representative on X/XX/17.was told to callXXXX, but after several attempts throughout the all I got was a busy signal.

EQUIFAX, INC.

NV

89074

Older American

Consent provided

Web

2017-09-20

Closed with explanation

Yes

2020-03-05

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

Credit reporting

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

Investigation took more than 30 days

I believe I reported this to your bureau already and they initially said the time wasn't completed to allow them to complete investigation and the date kept changing citing new inquiry just like I expect the date to change again and it's been over a year. I allege they are not investigating this dispute they are manipulating the dates. I want them to stop as I was kept from opening a new dispute for another company because this dispute from XX/XX/XXXX. If this adversely affects my credit report they have impacted my report and if this would have affected my positively they have adversely affected my report, I believe they are in violation ( In addition, specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to $ 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.

OR

97008

Consent provided

Web

2020-03-05

Closed with explanation

Yes

2018-12-20

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

Credit reporting

Incorrect information on your report

Account status incorrect

This complaint is based on violations of the Fair Credit Reporting Act by XXXX/XXXX XXXX ( hereinafter XXXX XXXX ). ___ On XX/XX/XXXX, I reviewed my XXXX, XXXX and XXXX credit reports and saw a charged off account reported by XXXX XXXX. All three ( 3 ) of my credit reports contained damaging details that were conflicting with each other. XXXX On XX/XX/XXXX, I disputed the account with all three credit reporting agencies. In my dispute, I included the following : The furnisher reported different balances, charge off amounts, and different charge off dates to all 3 credit bureaus. This can not be accurate if the information contradicts itself. Please remove the account. ___ Between the dates of XX/XX/XXXX and XX/XX/XXXX, I received the results of the investigations from all three credit reporting agencies. The results continued to reflect information that was contradictory to each other, with even more conflicting and damaging information. Examples of these errors which were falsely verified by XXXX XXXX are as follows : ___ FIRST XXXX XXXX notified XXXX and XXXX that the first 30 day late payment that led to the charge off took place on XXXX of XXXX, while XXXX shows this date as of XXXX of XXXX ( this is a vast spread of 7 months ). More strangely is that XXXX XXXX furnished the date of first delinquency on XXXX as of XXXX of XXXX, which contradicted the payment history that XXXX XXXX furnished under the same account. ___ SECOND XXXX XXXX notified XXXX that the original charge off date took place in XXXX of XXXX, whereas they notified XXXX that this date was in XXXX of XXXX, all while instructing XXXX that this date took place in XXXX of XXXX. This grossly inaccurate spread includes a whopping 20 months of false and damaging data. ___ THIRD XXXX XXXX failed to mark the disputed account as disputed to XXXX and XXXX. ___ XXXX XXXX verified false and damaging information which can cause the remarks to remain on my credit reports for longer than allowed by law. In addition, credit scores are weighed more heavily on recent negative activity much more than older negative activity. ___ In a recent decision in the U.S. District Court of MD, the court ruled that reporting inconsistent information to varying credit bureaus in response to a consumers dispute is a violation of the FCRA : This inconsistency between the type of account reported supports an inference of carelessness on [ Defendants ] part sufficient for a cognizable section 1681s-2 ( b ) claim. See XXXX, XXXX WL XXXX, at XXXX ( finding that alleged inconsistencies between information provided by the furnisher to different credit bureaus sufficient to survive a motion to dismiss ). Accordingly, XXXX XXXX XXXX motion to dismiss XXXX claims under 1681s-2 ( b ) will be Denied. XXXX v. XXXX XXXX XXXX XXXX. XXXX ( D. Md. XXXX. XXXX, XXXX ). ___ To support my complaint, I have attached the updates from the credit bureaus where I copied and pasted the relevant trade lines from their respective PDF files, and adjusted the sizes of the images to fit each page for easy reviewing. ___Based on the aforementioned facts ( and supported by the attached updates from the credit bureaus ), XXXX XXXX engaged in the following violations of the FCRA : ___ ( a ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute thru the credit reporting agencies. ___ ( b ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( B ) in that they failed to review all relevant information provided in my dispute to the credit reporting agencies ( including the fact that information can not possibly be accurate if it is in direct conflict to information they verified to different credit bureaus ). ___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate information on my credit reports. ___ ( d ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( E ) ( i ) in that they failed to modify the account with a notation that it was disputed upon the completion of their investigation, as required by 1681s-2 ( a ) ( 3 ). The Tenth Circuit, applying XXXX, found XXXX argument insufficient to support an award of summary judgment, stating that [ a ] jury could reasonably conclude that [ the defendants ] decision to report the debt without any mention of a dispute was misleading in such a way and to such an extent that it can be expected to have an adverse effect [. ] Id. at 1186 ( emphasis in original ) ( quoting XXXX, 526 F.3d at 150 ).

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

STERLING JEWELERS, INC.

MA

01420

Consent provided

Web

2018-12-20

Closed with explanation

Yes

2022-10-20

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

It has come to my attention that a company by the name of XXXX XXXX XXXX XXXX, XXXX, XXXX is attempting to have my wages garnished on a debt that does not exist on my credit report or any other places that I can find. If the debt really does or did exist it must be at least 12 to 15 years and far exceed XXXX 's statue of limitations credit card debt collections. Furthermore, there was no written or verbal contact made to me regarding to gravity of the matter, nor was I served ( There is No affidavit of service for XXXX XXXX XXXX XXXX. XXXX ) to be made aware that this step was being taken by this firm. I was totally blinded sided. It is hard for me to believe that this is even legal. They have put my longtime career in jeopardy and I may be terminated as result of their inappropriate actions. Please note, I also called this company on XX/XX/2022 and they refused to speak with me. Wouldn't let me go past my name and date of birth, which I am certain is just ploy. Here is a list of FDCPA violations I believe they have made, I will only use codes for lack of space. 1692 e ( 2 ), 1692 e ( 7 ), 1692 e ( 14 ), 1692 f, 1692 f ( 1 ), 1692 g, 1692 i ( a ) ( 2 ). These are just a few.

Stephen L. Bruce, P.C.

LA

70737

Consent provided

Web

2022-11-04

Closed with explanation

Yes

2023-02-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX unlawfully reported these accounts to my consumer report without my written permission also without advising me that they will disclose it on my consumer report. Nor did they give me a option to opt in or out of it being reporting. I was misadvised for their own interest. They have broken several of my consumer rights according to consumer laws. One law in particular that they broke was ... ... 18 U.S.C 1028A ( Aggravated identity theft ). Thats just naming one. I have written them several times about this unfair and unlawful treatment and nothing has been done. They have yet to send proof of how I owe this debt, instead they send a letter saying is verified. I did not ask them to use my personal information to verify these accounts but send me proper documentation that this debt is valid.

EQUIFAX, INC.

GA

30248

Consent provided

Web

2023-02-09

Closed with explanation

Yes

2017-12-31

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Card opened as result of identity theft or fraud

I am a victim of identity theft. Someone stole and used my personal information and got a state drivers license with my picture on the license and a date of birth of XX/XX/XXXX to open up a U.S. Bank Visa/XXXX credit card account. I was incarcerated and I never applied for a U.S. Bank credit card. The account was opened up fraudulently and unauthorized.

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

U.S. BANCORP

AZ

85142

Servicemember

Consent provided

Web

2017-12-31

Closed with explanation

Yes

2021-04-28

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Threatened to arrest you or take you to jail if you do not pay

Someone from XXXX and XXXX law firm text me me about my debt with speedy cash and this what they told me : Hello, this is the XXXX and XXXX LAW FIRM. This message is solely for, XXXX XXXX. We are representing XXXX XXXX. Founded in 1997, XXXX XXXX XXXX XXXX is the country 's leading provider of non-bank financial services, with approximately 2,100 centers across the country. The company is the Mother Lending company for companies like XXXX XXXX XXXX, XXXX XXXX XXXX, Speedy Cash, XXXX, XXXX, XXXX XXXX, XXXX XXXX and many more. The Company is a founding member of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, whose mission is to promote laws that provide substantive consumer protections and to encourage responsible industry practices. XXXX XXXX is a wholly owned subsidiary of XXXX XXXX, one of the largest XXXX American providers of banking services, consumer finance and specialty retailing. The loan you have taken out became delinquent and the company has full rights to press charges on you. Details are below. Total Outstanding Balance ( Due Amount ) : {$1100.00} ( Including Late Fee, Penalty, Affidavit Charges and Rate of Interest Charges. ) We have more evidence such as the Bank Account, Account & Routing Number, References ( With Phone Numbers ), Drivers License, Employer Name & Address, IP Address and many more. One Time Settlement Offer : 1 : {$400.00} XXXX Has to be paid Today XXXX. 2 : {$650.00} ( {$200.00} Today and {$450.00} Paid Within This Week ) 3 : {$200.00} ( Bi-weekly starting from today until paid in full ) Or the Entire balance of {$1100.00} within the next 30 days. Consequences ( Further Legal Steps ) : 1 : Lawsuit Filed Under Several Sections 2 : Your Employer Will Be Informed. 3 : Credit Bureaus Will Be Notified So That It Could Be Reported to Your Credit. 4 : References Will Be Informed. 5 : A Day in Court. 6 : Garnishment of Your Paycheck. Let us know whether you opt for a one-time settlement or payment arrangement for the whole amount, so that the account can be updated. Since this loan account is very past due, we would appreciate if you give this matter your earliest attention, as this account has to be updated on an urgent basis to avoid legal action. ( Please not the legal affidavits have already been generated on your file, for filling it with the court house tomorrow first thing morning. As this is an urgent matter and needs your attention to it right away. You have time till close of business today ). Please contact the petitioners office. It is your legal right to do so. That number is XXXX XXXX XXXX XXXX. Thank you. That day they told me to get a XXXX XXXX gift card for XXXX which I did and they want me to send a payment of XXXX a month from not to XXXX of next year for the total amount XXXX I called the website where I got the loan from and they said that it might be a fraud and for me not to send money but I still have the text where they message me and the picture of the receipt that they sent me.

CURO Intermediate Holdings

CA

922XX

Consent provided

Web

2021-04-28

Closed with explanation

Yes

2023-03-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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.

NJ

07047

Consent provided

Web

2023-03-21

Closed with non-monetary relief

Yes

2022-07-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have spoke to capital one numerous of times and they said my report will be ready by XX/XX/XXXX to take inquire off that is fraud. I have been going back and fourth with them since XX/XX/XXXXXXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

IL

611XX

Consent provided

Web

2022-07-08

Closed with explanation

Yes

2021-02-15

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm writing because i checked my credit report and i saw account and inquires which i never applied for. I have no contracts or agreements with my signature, I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33160

Consent provided

Web

2021-02-15

Closed with explanation

Yes

2017-07-05

Debt collection

Credit card debt

Communication tactics

Used obscene, profane, or other abusive language

I been receiving harassing phone calls and death threats from representatives from Nationwide Credit , Inc regarding credit card accounts that are fraudulent and unauthorized. I 'm a victim of identity theft and have been a victim of identity theft for over 30 years. The following credit card accounts do n't belong to me and are fraudulent and unauthorized : Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX, Account Number : XXXX, NCI ID : XXXX

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

Altisource Portfolio Solutions, S.à r.l.

ND

58201

Older American, Servicemember

Consent provided

Web

2017-07-05

Closed with explanation

Yes

2017-11-25

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with additional products or services purchased with the loan

I bought this XXXX XXXX from XXXX in XXXX of 2017 I have reported XXXX to several different consumer protection agencies do to the fact they have committed fraud and deception inspire I got in touch with Exeter explained that this vehicle has cosmetic and mechanical problems and issues this finance company is in with XXXX I explain to Exeter nothing they dont care I got sold a vehicle that has a thirty warranty from XXXX XXXX to fix it and correct whats on documentation nothing was done and I reported to Exeter they didnt care because XXXX sold me a car that has over 10,000 dollars worth of issues and problems which I got told by several people that worked for XXXX that these cars are reconditioned vehicles and I need to hire an attorney and take this to court this is covering up problems and this has to do with XXXX and Exeter do to the fact Exeter still uses XXXX to reposses vehicles and I am not going to pay all that money to fix this car when this is dealer fraud and the finance company when I ask them like theyre covering up issues because they work with XXXX, XXXX and Exeter needs to be investigated this is also false advertising they had a 5 day money back guarantee they actually told me that I will not get my money back and will not honor the thirty day warranty I will not make no payments on this vehicle period I turned this is over to XXXX XXXX I will file FTC complaint, bbb, this is fraud and deception negligence, either they send me the title or cancel this contract to the full extent I will sue XXXX I have a lawyer lookin into this but I want the attorney general to investigate Im not the only one being done like this I will consider the title because this vehicle was sold unsafe they had let drive home I almost got into a wreck brakes are bad and rotors the breaking system, there is also stop leak in the my coolant reservoir that looks like they are tying to cover up a problem this car has over heated and shut off and it has transmission problems XXXX held my vehicle for over 4 days no work performed at all but yet XXXX says to bbb that I took my vehicle and that I didnt let them keep it to do the work but yet I have a witness that states they over heard how XXXX and the recording contends that XXXX took away the 5 day money back guarantee and its 30 day warranty because I contacted the corporate office thats fraud and deception in it self, Exeter did not want to help at all this car has more problems then I should pay for and selling a vehicle with these type issues is also a breach of contract for covering up its problems and issues I also found on a report that XXXX XXXX rolled back the speed odometer to sell it at a lower mileage I do have that report on my email I also have copies of the thirty day warranty that XXXX should had honored and the 5 day money back guarantee that did not I no way get honored, I will put this on tv with the news, And paperwork on cosmetic damage thats written out that was never done XXXX and Exeter finance commuted fraud Im not going to give in on this this finance company and XXXX needs to be investigated to the full extent of the law Ive had this vehicle looked over I want the title to this vehicle and my credit report updated or I will sue over no honoring of warranty and rolling back the odometer thats a federal offense and dealer fraud and deception, negligence on both XXXX and Exeter I have proof of everything I been through I feel like I got scammed by both XXXX XXXX and Exeter I will not negotiate my paperwork and and everything I have is justified what was not done and solid proof that this vehicle also had more than one owner I was lie to about that this was all a cover up, brakes, rotors, transmission, clutch and throw out barron, motor back fires, stop leak in my coolant reservoir ( covering up a problem with the motor ) had it look at by XXXX and was told more problems then what the car was worth XXXX sold this car that has more problems then what the contract reads, car shut off, over heating, cosmetic damage, paint scratches and repairs never done inside and out and rims were supposed to be replaced black spots all over my rims total cost is right at as a estimate 10,000 dollars thats almost the total cost of the car please resolve ( title )

Exeter Finance Corp.

GA

30141

Servicemember

Consent provided

Web

2017-11-25

Closed with explanation

Yes

2023-03-15

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

EQUIFAX, INC.

PA

150XX

Consent provided

Web

2023-03-15

Closed with explanation

Yes

2023-07-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$9800.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

119XX

Consent provided

Web

2023-07-21

Closed with non-monetary relief

Yes

2021-10-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

07013

Consent provided

Web

2021-10-14

Closed with explanation

Yes

2022-03-31

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

Credit reporting

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

Their investigation did not fix an error on your report

The credit bureaus are illegally reporting inaccurate information on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

60432

Consent provided

Web

2022-03-31

Closed with explanation

Yes

2023-09-21

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to p rivacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NM

88220

Consent provided

Web

2023-09-21

Closed with non-monetary relief

Yes

2022-12-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The inquiries listed in my report were unauthorized .I requested that they investigate these and analyze my files by sending letters to all three credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXXE XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.

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

Experian Information Solutions Inc.

NC

278XX

Consent provided

Web

2022-12-17

Closed with non-monetary relief

Yes

2019-12-23

Debt collection

I do not know

False statements or representation

Impersonated attorney, law enforcement, or government official

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX , XXXX '' hereinafter referred to as " XXXX XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " Cavalry SPV, I, LLC '' hereinafter referred to as " XXXX XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the LLC, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Cavalry SPV, I, LLC ( the LLC ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

CAVALRY INVESTMENTS, LLC

GA

31907

Servicemember

Consent provided

Web

2019-12-23

Closed with explanation

Yes

2023-07-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023 XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70460

Consent provided

Web

2023-07-21

Closed with explanation

Yes

2021-09-07

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted disputes as well as an FTC report for this fraudulent account. - XXXX XXXX ( listed on Experian, XXXX, and XXXX )

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

Experian Information Solutions Inc.

PA

19142

Consent provided

Web

2021-09-07

Closed with explanation

Yes

2023-08-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I kindly urge you to remove this inaccurate account from my credit report, as it does not belong to me and I did not provide authorization for its existence.

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

Experian Information Solutions Inc.

IL

60612

Consent provided

Web

2023-08-03

Closed with explanation

Yes

2023-04-18

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

Last summer we were victims of significant cyber theft because someone ( or some group ) accessed or electronically stole one of our ATM debits cards. They went on an ~ {$27000.00} spending spree over a 2 month + period. We discovered the theft in early XXXX, reported it to our financial institution, Wells Fargo ( WF ) immediately, and the local police in our hometown. I spent 6 hours on the telephone on a Saturday with the WF fraud claim group in the XXXX. Since filing my claim on XX/XX/XXXX, we have yet to receive a phone call from anyone from WF. I received four e-mails stating back in XXXX that the bank was working on our claim. Weve made at least a dozen phone calls since and each time we get routed to the same XXXX fraud desk. Only on XX/XX/XXXX of XXXX, did WF finally assign us a case worker with the title, Executive Office Case Worker. This person only has a first name ( male ) and last initial. The telephone extension given in his letter to me is not a working extension when I call it. My Case Specialist explained through a letter that they can do " no more '' on our behalf. The last phone call we had with a person in early XXXX, was a representative in the XXXX. He nearly had me repeat the entire history of our claim again. This rep mentioned that the institution had three months to act on our claim from XX/XX/XXXX and was legally obligated ( agents words ) to be complete by XX/XX/XXXX. The fact that no one returned our multiple calls or responded to written letters, e-mails, and a spreadsheet that demonstrates all of the fraudulent purchases made with our ATM card, originally lead me to wonder if the perpetrator ( s ) was actually and employee of our bank. I sent a letter to the banks lead counsel expressing this hunch concern. She has yet to respond. Many of the fraudulent purchases that were made were random. Some of the stores dont even exist as far as we could tell. There are bogus insurance policies, vacation stays, fitness club memberships, ballcaps, t-shirts, endless on-line purchases, cable bills, and so on. Other than one very large on-line store, weve never used any of these services, shopped at any of these ( bogus ) stores or used vacation services, etc. Some of the stores were located outside the US ( XXXX ) and purchases were made while we were on vacation. The pattern recognition software that WF normally deploys should have recognized this and at least sent up a warning flag to contact us like it had so many times in the past. Where was WF 's security? Their fraud department used to call if they recognized an inconsistent spending pattern. For example, one year, WF alerted us and asked if we were about to pay for an expensive dinner in XXXX. That theft attempt was thwarted because of fraud protection software. There are other examples too. Why didnt they at least call us about the XXXX charges over two months and the ~ $ XXXX of purchases? Does the security software no longer operate? If anyone or any machine was looking at our account, it would easily recognize by just reviewing our monthly statements that something was wrong. The precedent our bank set years earlier within their fraud protection led us to think that it would at least provide the same service. On XX/XX/XXXX, WF repaid approximately half of our claim by depositing ~ {$14000.00} into our account. Although we appreciate the gesture, its still a long way from resolving our total claim of ~ {$27000.00}. I asked our bank multiple times to see a list of which charges it reversed so we could compare it to the fraudulent purchases on our bank statements and organized in the spreadsheet we attached. The Executive Desk said they will not release that information and that they believe they have done all they can. They mentioned that they have a 60 day policy that essentially states that they will only go back 60 days from the date of claim, XX/XX/XXXX. I mentioned that if this were correct, then it would capture more than 95 % of all the fraud charges we stipulated from XXXX XXXX XX/XX/XXXX. The bank still says they will not release the records they used to determine why theyd only repair ~ {$14000.00} and not the total ~ {$27000.00}. Please help.

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

WELLS FARGO & COMPANY

MN

554XX

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2022-04-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX 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.

FL

34953

Consent provided

Web

2022-04-10

Closed with explanation

Yes

2020-11-07

Credit card or prepaid card

Store credit card

Closing your account

Company closed your account

Synchrony Bank closed my XXXX credit card through XXXX as well as my Amazon card without warning and without cause. I've been paying off all of my purchases, no late payments ever. Synchrony has also blocked access to my rewards balance, which is around {$360.00}. They are essentially stealing this money. The net effect has been a huge hit to my credit score. By lowering scores and closing accounts, they've cost my credit score 35+ points. Then they're pointing at that drop as evidence. The only changes on my credit sore are related to Synchrony Bank. I've recently paid off all my other cards and am in good standing with zero missed payments on any card. I use this XXXX card to make purchases for my company, which saves 10 % in total cost. We use the Amazon card to save 5 % on household purchases. If their rationale for closure of the XXXX card is that I reported an income increase -- that's because I did have an income increase. It seems they are discriminating against me based on faulty assumptions of my income.

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

SYNCHRONY FINANCIAL

WA

98110

Consent provided

Web

2020-11-08

Closed with explanation

Yes

2022-02-24

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt is not yours

Nationstar collected thousands of dollars from me and credited them in the name of my relative XXXX XXXX who obtained a bankruptcy discharge. I was led to believe I would become XXXX if I did not pay these monies. I have copies of these cashed checks. I was misled to believe I was being given a loan modification. I was asked for private financial XXXX checks, medical records, and tax statements to obtain a loan modification that I did not need nor was Nationstar the owner of. I am requesting a full refund of all payments made and all recorded documents be rescinded immediately and Nationstar cover all fees as a result of their illegal debt collection practices! I have a Grant deed that pre-dates Nationstar that is recorded with the county. There is no default on record that pre-dates my deed. All checks written by XXXX XXXX to NationStar I would like refunded directly to me. I was under the notion that I was responsible for my relatives debt due to be ignorance of debt collection laws. Due to this ignorance I have suffered years of vexatious litigation, locked out my home, spent hundreds of thousands of dollars and suffered at the hands of Nationstar Mortgage and their attorneys. NEED I REMIND NATIONSTAR THERE IS A BANKRUPTCY INJUNCTION IN PLACE PROTECTING XXXX XXXX. SEE ATTACHED BELOW.

Mr. Cooper Group Inc.

FL

322XX

Servicemember

Consent provided

Web

2022-02-24

Closed with explanation

Yes

2021-05-01

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

Credit reporting

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

Was not notified of investigation status or results

On the following dates I filed the following disputes with CFPB : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX CFPB - you have allowed the credit bureaus to not act accordingly to my FCRA rights as a consumer. I have filed several complaints with you, which you've closed my complaint every single time. You have allowed the credit bureaus to use the stall method acting as if I was impersonating someone else which is XXXX. I am the original creditor per the FCRA and no debt can't be validated unless " I '' the consumer validate it. This has caused me stress, anxiety, loss of employment due to this public record on my credit report which is a violation of 15 USC 1692d ( 1 ) states any bad debt furnished on my credit report is ruining my reputation. This defamation and emotional stress. I have been asking for a remedy and haven't received anything yet. My privacy is being violated continuously. Since you have been closing my accounts with no remedy and not holding the credit bureau accountable, if this issue is not resolved I will be seeking litigation on you. I am a California Consumer and I will refer you all to the district attorney office. I have also filed a complaint with the FTC and XXXX. Removed this off my CREDIT NOW!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95376

Consent provided

Web

2021-05-01

Closed with explanation

Yes

2020-09-10

Debt collection

Other debt

Communication tactics

Frequent or repeated calls

A debt collection company Transworld systems bought debt from wages military star card and they are charging interest on a debt that was sold to them and that I never signed contract with Transworld but with aafes

TRANSWORLD SYSTEMS INC

GA

30097

Servicemember

Consent provided

Web

2020-09-10

Closed with explanation

Yes

2022-06-11

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

Credit reporting

Incorrect information on your report

Personal information incorrect

remove all old adresses

EQUIFAX, INC.

NV

89117

Consent provided

Web

2022-06-11

Closed with explanation

Yes

2022-03-06

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

hi My name is XXXX XXXX XXXX XXXX. I purchased the prepaid service for my daughter that is " gizmo watch '' and I paid XXXX dollars for that and service for that month which was XXXX total. my daughter stope wearing that watch. i thought i didn't have to pay anything, then the version gives my name for debt collector I.C System and i paid XXXX $ that the service they ever provided to me and I never used. Believe that is really wrong and I need the justice.

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

I.C. System, Inc.

TX

77406

Consent provided

Web

2022-03-06

Closed with explanation

Yes

2019-11-13

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

XXXX Adult son should have been a trustee. On the account with Alley bank. They put him as co owner and he took everything out of my account and Ally bank takes no responsibility for my son closing the account. Nor take responsibility for notifying me. The say sense account was never fixed from Co owner to just a trustee that its ok for him to take all my money. Then close out my account.

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

ALLY FINANCIAL INC.

TX

78006

Servicemember

Consent provided

Web

2019-11-13

Closed with explanation

Yes

2021-07-03

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

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Crea Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 1XXXX XXXX XXXX XX/XX/2021 2- XXXX XXXX XX/XX/2021 3- XXXX XXXX XX/XX/2021 4-XXXX XXXX XXXX XX/XX/2021

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MA

01841

Consent provided

Web

2021-07-03

Closed with explanation

Yes

2016-10-31

Debt collection

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

Disclosure verification of debt

Not given enough info to verify debt

I have sent several letters to the City of XXXX and Collection Bureau of America on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as of today they have not responded. After looking at the debit it was reported XXXX/XXXX/XXXX the statue of limitations has lapse. Please contact all credit bureaus to have removed from all reports.

Collection Bureau of America Ltd.

CA

94580

Consent provided

Web

2016-10-31

Closed

Yes

No

2017-08-30

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 sent in inquire letters, and called nothing was resolved. XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30906

Consent provided

Web

2017-08-30

Closed with explanation

Yes

2022-12-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have reported accounts on my report that were fraudulent. XXXX, Equifax and XXXX failed to removed accounts after being provided proof that the accounts did not belong to me.

EQUIFAX, INC.

VA

23860

Consent provided

Web

2022-12-08

Closed with explanation

Yes

2023-01-24

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. XXXX XXXX Account Number XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. XXXX XXXX Account Number XXXX XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX XXXX XXXX Account Number XXXX XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX XXXX XXXX Account Number XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX Account Number XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX The following personal information is incorrect Account Number : XXXX XXXX This name belongs to someone else. Delete it from my report immediately. 13. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This address belongs to someone else. Delete it from my report immediately. 14. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This address belongs to someone else. Delete it from my report immediately. 15. The following personal information is XXXXncorrect Account Number : XXXX XXXX XXXX XXXX This employer belongs to someone else. Delete it from my report immediately. XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX This employer belongs to someone else. Delete it from my report immediately. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

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

Experian Information Solutions Inc.

CA

91739

Consent provided

Web

2023-01-24

Closed with explanation

Yes

2018-12-30

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

Transunion enclosed is a copy of reinvestigation that account removed from my credit report sent to the CFPB in a response please remove this account XXXX /XXXX XXXX XXXX this is not a dispute but to send you actual facts this account is to be removed after reinvestigation was done. enclosed is a legal statement of fact response to a Goverment agency on this case

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

XXXXX

Consent provided

Web

2018-12-30

Closed with explanation

Yes

2018-09-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In XX/XX/2018, a collections account showed up on my credit report from XXXX XXXX. I have never done business of any kind with XXXX. I immediately disputed the account with the credit bureau XXXX. The results came back saying the account was " valid. '' I was unable to get a real person from XXXX on the phone to address this issue. After doing my own research, apparently this is a famous problem with XXXX that has happened to many people, and neither XXXX nor the credit bureaus care to help resolve the situation. In my situation, the account is clearly either erroneous or fraudulent. Around that time, I did have some fraud and identity theft issues with someone attempting to open lines of credit in my name. This account may be the result of that. I've attached the only information I have about the account, which was reported by XXXX. Right now, the collection amount balance says {$4600.00}. The creditor address reported by XXXX is : XXXX XXXX XXXX XXXX, TX XXXX The creditor phone number reported by XXXX is ( XXXX ) XXXX.

EQUIFAX, INC.

SC

29464

Consent provided

Web

2018-09-21

Closed with non-monetary relief

Yes

2023-06-08

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 checked my credit report, which I acquired from the credit bureaus and I noticed unauthorized credit inquiries had been made. I contacted the companies asked them to remove the inquiries from my credit report.

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

Experian Information Solutions Inc.

AL

35810

Consent provided

Web

2023-06-08

Closed with non-monetary relief

Yes

2020-06-01

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

Credit reporting

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

Was not notified of investigation status or results

Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX ( XXXX ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. Thanks

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

Experian Information Solutions Inc.

GA

304XX

Consent provided

Web

2020-06-01

Closed with explanation

Yes

2018-02-12

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

Upon graduating and working one full year, I called my loan company to discuss loan forgiveness. I had a very detailed conversation ( notes saved!! ) with a man who explained exactly what I needed to do- sign up for automatic payments and then with a year to go before I make all 120 payments, complete the certification and the loans will be forgiven. So, listening to the official loan representative, I did just that. Worked in an eligible and certified place, completed the paperwork, was approved, and they tell me one of my 110 payments was eligible for forgiveness because, despite me asking this gentleman SEVERAL TIMES, my repayment plan, that he set me up on, wasnt eligible. The amount Ive paid monthly is more than the other eligible repayment plans too. I feel as though Ive been scammed! Was I given misleading information so they could continue to make money?!?!

AES/PHEAA

NJ

080XX

Consent provided

Web

2018-02-12

Closed with explanation

Yes

2019-11-08

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

It's not my inquiries, i never applied for this companies.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33027

Consent provided

Web

2019-11-08

Closed with explanation

Yes

2022-12-03

Debt collection

Other debt

False statements or representation

Attempted to collect wrong amount

XXXX, which is my phone service was hacked. It was all over the news. It was everywhere right afterwards I started receiving notices from this trust asset strategies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Reference # XXXX First thing I did was go to XXXX and showed them the notice they said you know what this is not a stationary. It is because this is part of the fraud thing that happened months ago, you do not owe as a XXXX at the den you {$50.00} per month and your account is current. The second thing I did was informed this collection agency of that information and ask them for proof and they said something to the effect of about a XXXX which I do not have XXXX and never have and as a last I heard, other than getting notices from time to time. I have no documentation, no proof nothing and it came from some hacker organization that probably does this every day all day long.

Frontline Asset Strategies, LLC

NM

87112

Older American

Consent provided

Web

2022-12-22

Closed with explanation

Yes

2021-03-10

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

Credit reporting

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

Their investigation did not fix an error on your report

Westlake financial is not reporting to my credit report for Month XX/XX/XXXX and also Month XX/XX/XXXX. i have all the proof that the payment was made on time. i called multiple times to have my payment history updated and they " Westlake Financial " Failed to updated and as per the fair credit reporting act all reporting account needs to be 100 % accurate.

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

Westlake Services, LLC

NJ

XXXXX

Servicemember

Consent provided

Web

2021-03-10

Closed with explanation

Yes

2017-02-19

Debt collection

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

Cont'd attempts collect debt not owed

Debt is not mine

I have received a letter in the mail stating that I owe {$1100.00} to XXXX. This letter came from a collection agency called Convergent Outsourcing Inc . I do not owe this debt never have. I am filing a complaint against this company because their are a fake and a scam.

Convergent Resources, Inc.

FL

33511

Consent provided

Web

2017-02-19

Closed with explanation

Yes

No

2023-04-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS 9PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

EQUIFAX, INC.

FL

34983

Consent provided

Web

2023-04-08

Closed with explanation

Yes

2023-04-21

Checking or savings account

Savings account

Opening an account

Unable to open an account

Attempting to open online account with CIT Bank ( XXXX ). Input basic data ( name, address, employer, SSN, US Citizen ) and webite immediately responses with " Thank you for your recent application for a CIT Bank account. We regret to inform you that after a thorough review of your application, we have elected to not open a bank account for you at this time. Thank you for considering CIT Bank. '' No info is provided. Contacted bank and they advised to try resumbitting from different location. Done multiple times over multple dates from XXXX to XX/XX/21. All result in same immediate automated response. Contacted bank for more specific information. They advised that the automated system has checks to attempt to identify fraud and think that maybe IP address or computer I applied from may be issue. Explained have done from multiple PCs and a phone all with same response. They can provide no additional info. Advised them per federal law, they are required to tell you why you are denied a bank account ( wife XXXX XXXX XXXX 25 years ). They advised they don't send any letter or email explaining and could provide no additional info. Only option was to write to corporate office. I have an excellent credit score, no charge offs, bankruptcies, or unpaid accounts, and as the response was immediate, I suspect there is some other issue such as IP location, etc. The bank should be required to disclose specifics however.

FIRST CITIZENS BANCSHARES, INC.

MO

640XX

Consent provided

Web

2023-04-24

Closed with explanation

Yes

2020-06-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my credit.

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

Experian Information Solutions Inc.

AR

72315

Consent provided

Web

2020-06-10

Closed with explanation

Yes

2021-04-22

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

EQUIFAX, INC.

GA

30815

Consent provided

Web

2021-04-22

Closed with explanation

Yes

2020-11-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im a victim of identity theft!

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

Experian Information Solutions Inc.

SC

295XX

Consent provided

Web

2020-11-25

Closed with explanation

Yes

2022-08-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$32.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance XXXX {$15000.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$32.00} Medical XXXX Balance : {$510.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} TRANSUNION : XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX Balance : {$110.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WA

983XX

Consent provided

Web

2022-08-08

Closed with non-monetary relief

Yes

2017-06-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION.

EQUIFAX, INC.

TX

75093

Consent provided

Web

2017-06-06

Closed with explanation

Yes

2020-11-29

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

XX/XX/2020 To Whom It May Concern : which you claim I owe {$920.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XX/XX/XXXX and XX/XX/XXXX) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XX/XX/XXXX

Company believes it acted appropriately as authorized by contract or law

Sequium Asset Solutions, LLC

GA

30012

Consent provided

Web

2020-11-29

Closed with explanation

Yes

2023-05-25

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

I have sent letters to the company about a debt that they trying to collect. Told them I do not recognize this account and I have no previous knowledge of it. And to provide me validation that this debt is mine. This agency is in violation of 15 USC 1692g and 15 USC 1681, under the truth in Lending Act USC 1602 ( g ), " credit card " is definitely Following : This makes your social security card, drivers license/ ID, and license plate. ( 2 ) EXCLUSIONS.- except as provided in paragraph ( 3 ), the term '' " does not include- ( B ) any authorization or approval of specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term " credit card " means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. For the extension of credit.

Halsted Financial Services, LLC.

DE

19701

Consent provided

Web

2023-06-27

Closed with explanation

Yes

2022-12-20

Checking or savings account

Checking account

Problem caused by your funds being low

Overdrafts and overdraft fees

I had an account with Wells Fargo in the late XXXX, roughly XXXX I stopped using the checking account, and had no charges coming through the account. I only opened this account to cash my checks at the time. When I went to cash my over {$700.00} check, I was given back less than {$20.00} and told the rest of my check went to my overdraft/insufficient fees in my account. I wasnt told until after my check was cashed, and money was taken, that I had around {$700.00} in fees to pay them. Ive never gone back since. They wouldnt work with me and told me they closed my account because i hasnt used it within a certain time.

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

WELLS FARGO & COMPANY

MN

565XX

Consent provided

Web

2022-12-20

Closed with explanation

Yes

2018-08-21

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 conducted a review of my credit report, and I noticed that your agency showed XXXX XXXX XXXX and XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX I have not informed or recalled of any association with these company. I have contacted XXXX XXXX, and XXXX requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95112

Consent provided

Web

2018-08-21

Closed with explanation

Yes

2022-05-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 s-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.

TX

78240

Consent provided

Web

2022-05-04

Closed with explanation

Yes

2021-01-13

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX Balance Owed : {$1800.00} This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to zero or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly Delete this wrong account. XXXX XXXX Balance Owed : {$2800.00} This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, you are reporting an incorrect past due amount. These are ALL violation please delete account Immediately. XXXX XXXX Balance Owed : {$1000.00} This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. XXXX XXXX Balance Owed : {$160.00} Reporting unknown which means it's incomplete, please delete this account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93611

Consent provided

Web

2021-01-13

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32210

Consent provided

Web

2023-08-25

Closed with non-monetary relief

Yes

2018-11-03

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 a victim of identity theft so i'm reporting this to clear my name.

EQUIFAX, INC.

GA

30518

Consent provided

Web

2018-11-03

Closed with explanation

Yes

2021-10-08

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was result of identity theft

XXXX XXXX XXXX XXXX XXXX has reported to my credit bureaus stating I owe {$10000.00} this account was fraudulently open. I have no knowledge of this account and would like it removed. I reported 3 times that this account is disputed .the account was opened on XXXX XXXX. Ive been trying to get it removed still I havent and its reporting bad debt on my credit report

GFS II, LLC

IL

60644

Consent provided

Web

2021-10-08

Closed with explanation

Yes

2016-08-16

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt resulted from identity theft

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. I disputed this directly with the company and did get a response.

Company believes it acted appropriately as authorized by contract or law

ERC

TX

78746

Consent provided

Web

2016-08-16

Closed with non-monetary relief

Yes

No

2021-01-27

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

Credit reporting

Incorrect information on your report

Information is missing that should be on the report

I purchased a XXXX XXXX ( XXXX ) and financed it through XXXX XXXX in XX/XX/XXXX. I made my first payment on this vehicle in XXXX, and have made payments for every month since then until now ( including XX/XX/XXXX ). All payments have been on time. Last XXXX I noticed that the loan was not showing on ANY of my credit reports ( my wife and I pay to monitor all 3 monthly ). It was showing on my wifes at the time ( she is the co buyer on the car ) but not mine, so we reached out to XXXX XXXX and began this process. ( Yes it's been over 90 days back and forth with them ). I was originally told it was escalated to their credit dispute department back in XXXX and the issue would be resolved in 2 weeks. Every single time we have to call it is such an ordeal and there have been times where it has been mentioned how often we are calling in a condesending way .... I am trying to buy a house and am fast approaching a year of on time payments on a vehicleyou havent reported to a single bureau as OPEN OR CURRENT OR ANYTHING! Now we have been dealing the EXECUTIVE RESOLUTION TEAM since early XXXX. I have dealt with 3 seperate mangers in that department that have literally stone walled me every single time they are pressed for answers. No one ever follows up as promised and now they are telling me there is no way for them to even call their credit dispute department and they can only contact them via email so the responses regarding my account are very delayed. they will not provide a number to the department nor have anyone cojntact me. It is the same story each time. Now they are telling me after XXXX they have to hire a THIRD PARTY COMPANY TO ATTEMPT ( YES THEY SAID ATTEMPT!!! ) TO CREATE THE TRADELINE AND HISTORY!!! THAT WAS OVER 3 WEEKS AGO! NO FOLLOW UP!!! Here is an example of the latest conversation. How can we help you today? I need to probably speak to the executive response team in regards to where you guys are at in getting this tradeline created with the three credit bureaus You - XXXX XXXX You are now connected to XXXX XXXX. Info - XXXX XXXX i have made all these payments and you guys have not reported this account to any of the three bureaus yet You - XXXX XXXX Good Afternoon, My name is XXXX am I speaking with XXXX XXXX? XXXX XXXX - XXXX XXXX so i havent heard from anyone on the ERT in over 2 weeks. yes. i have no other recourse but to seek legal representation in this matter if we cant make any real headway soon. ive been at this for well over three months this is ridiculous You - XXXX XXXX Can you verify the last 4 of your SS, please. XXXX XXXX - XXXX XXXX XXXX You - XXXX XXXX I understand your concern. Allow me to review your account. XXXX XXXX - XXXX XXXX ok. You - XXXX XXXX I do see there was manual request submitted however there is not current update at this time. XXXX XXXX - XXXX XXXX yeah this problem happens everytime since XXXX of last year. do you understand how ridiculous this is? can you get me a better answer than that? I am going to forward this conversation to the consumer protection bureau this is ridiculous. have someone from your ERT contact me or my wife. thanks. You - WE ARE TRYING TO PURCHASE A HOUSE AND THIS HAD OUGHT TO BE ILLEGAL THE WAY THEY CONDUCT BUSINESS. WE HAVE BEEN AT THIS WEEKLY SOMETIMES DAILY SINCE XXXX OF LAST YEAR WITH NO RESULT!!! AVOID THIS COMPANY LIKE THE PLAGUE!!! PLEASE! ALL I ASK IS TO HAVE THE TRADELINE CREATED AND ACCURATELY REPORTED TO ALL THREE BUREAUS ASAP!! NO MORE DELAYS NO MORE EXCUSES THIS IS CAUSING MY FAMILY FINANCIAL STRESS BECAUSE IT IS PREVENTING US FROM PURCHASING OUR FIRST HOME. I NEED THIS TRADELINE HISTORY ON MY CREDIT REPORT!!!!! 4 MONTHS ALMOST ON THIS ISSUE IS RIDICULOUS. I PAY EVERY MONTH, REPORT THE ACCOUNT AND PAYMENTS TO THE BUREAUS!!!

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

Experian Information Solutions Inc.

AR

XXXXX

Consent provided

Web

2021-01-27

Closed with explanation

Yes

2022-10-14

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

I have had reoccurring problems with my bank, Charles Schwab, refusing to grant me access to my funds in what amounts to a pattern and practice of withholding funds. This pattern has been ongoing for over a year, and I have attempted to resolve it with the bank many times to no avail. For example, in XX/XX/2022, I was in California and tried to put a rental car on my debit card ; Schwab declined my card, and when I called the bank, the representative put me on hold for nearly an hour even though I told her the card was in my possession and I was a valid card holder. Similarly, on XX/XX/2022, I was in XXXX XXXX XXXX, and I tried to place an XXXX on my debit card. Schwab declined the transaction, and when I called to tell them it was valid, they claimed another name was associated with my account, even though I had been validated through the online system, and they confirmed my account security code. Most recently, on XX/XX/2022, Schwab sent me a text telling me that my account had " fraudulent activity '' ; I called the number online, and validated the transaction with a person from the brokerage side, who then emailed me a number for the bank ( on the bank website ) that was broken ( despite me previously having told Schwab the number was broken and that this violated consumer protection laws. Later that day, even after validating the transaction through Schwab 's automated system, my purchase for a pair of glasses was denied. Later, a Schwab customer service representative told me that there was a fraud alert on my card, even though I had resolved it. There are many more incidents like this that I could relate. For CFPB 's information, I am a lawyer, and I take concerns like this very seriously.

CHARLES SCHWAB CORPORATION, THE

CA

947XX

Consent provided

Web

2022-10-14

Closed with explanation

Yes

2023-08-11

Vehicle loan or lease

Lease

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

My vehicle was voluntarily repossessed through the SCRA ACT and after everything appeared finalized, I feel cheated via the waiver. The outstanding balance is still showing on my credit despite its repossession. When I saw the form that I signed with the SCRA ACT WAIVER on it, I feel cheated because I do not feel like I got a fair shake on the deal to begin with. The interest rate was the biggest problem for me especially in the stubborn negotiation process. How could they offer a waiver to a law that was not presented or offered in the beginning. Personally, I feel like I was swindled and stuck with the bill after reading the SCRA ACT WAIVER that was labeled on the release form in bold. The release form HIGHLIGHTED benefits that appears to have been available at the jump. These benefits included PROTECTIONS for me at the time of my purchase. I am looking for a remedy to the situation because of the stubborn negotiation around the interest rate, the failure to provide the protections after me telling them I was a service member at the time of purchase, and for swindling a waiver out of me of protections Guaranteed to me at the time by law and leaving me with the bill.

NISSAN MOTOR ACCEPTANCE COMPANY LLC

CA

92324

Consent provided

Web

2023-08-11

Closed with explanation

Yes

2018-09-04

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Unable to receive car title or other problem after the loan is paid off

Back in 2016 my car was paid off in full, the bank cashed my check and I never received a title. I have tried to get a lien release from the bank for the last 3 months. I am trying to sell my car and need the title. I have called the bank every day for the last 2 months asking where it's at because it never showed up. They told me it was rushed and over nighted and that I should have it in the next few days and every Day that I have called them since it was supposedly sent. I call them to ask where it's at they always tell me it's on the way and I have yet to receive it. They have laughed and hung up on me. And they have lied about it being in the mail. I have done everything I know to do and I can't get any further and I'm not sure what else to do. The license branch told me to file a complaint so I can get this taken care of. I hope this helps to get me the title.

HUNTINGTON NATIONAL BANK, THE

IN

46528

Consent provided

Web

2018-09-06

Closed with explanation

Yes

2022-06-11

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

Convergent Outsourcing XXXX is charging me for an account I have no knowledge of for {$820.00} I have disputed this account several times, called XXXX and XXXX as directed by credit bureaus, and am told there is no such account found but they're answering the disputes as accurate. When in fact XXXX in XXXX of XXXX put an account on my credit for {$250.00} for a supposed phone bill and removed it realizing their mistake. The XXXX should be taken off as well if there is no such account found when I call them. But it remains hendering my credit.

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

Convergent Resources, Inc.

GA

30311

Servicemember

Consent provided

Web

2022-06-11

Closed with explanation

Yes

2022-08-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

EQUIFAX, INC.

MS

386XX

Consent provided

Web

2022-08-12

Closed with explanation

Yes

2023-08-25

Credit reporting or other personal consumer reports

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I do not recognize the inquiries on my credit report listed in the id theft report XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TRANSUNION, XXXX XXXX XXXX XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33604

Consent provided

Web

2023-08-25

Closed with non-monetary relief

Yes

2023-02-02

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28213

Consent provided

Web

2023-02-02

Closed with non-monetary relief

Yes

2018-03-30

Debt collection

Mortgage debt

Attempts to collect debt not owed

Debt is not yours

This is a second request to Bank of America, N.A. but this time to XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to answered my requests ). I've sent 2 letters in regard to Tax Forms I need to file my taxes. Note to CFPB : This is not a duplicate request. This is another set of Tax Forms I need.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MD

20876

Consent provided

Web

2018-03-30

Closed with non-monetary relief

Yes

2023-07-21

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 disputing unrecognized inquiries into my perfect credit history for a couple of years and have been denied every dispute, without being provided actual proof of the validity of each and every inquiry. They simply verify it with a third-party company and say it has been verified, often within minutes of filing an actual dispute. Below are the inquiries which I do not recognize and most certainly did not authorize by these creditors. No new accounts ever resulted from the inquiries. I am a past victim of identity theft many years ago. XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX My personal address on file are : XXXX XXXX XXXX, XXXX, TX XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX My Date of birth is : XX/XX/XXXX Name : XXXX XXXX XXXX Last Four of SSN : XXXX These inquiries are causing me to be denied credit for no other reason than excessive inquiries, which drastically affect my XXXX score and affect the rates I pay on personal and business credit. Please have these inquiries immediately removed from my credit file. Thank you in advance for your understanding and consideration.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

76248

Consent provided

Web

2023-07-21

Closed with non-monetary relief

Yes

2021-02-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent. 15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.

First Advantage LNS Inc.

MD

21207

Consent provided

Web

2021-02-16

Closed with non-monetary relief

Yes

2017-12-16

Debt collection

I do not know

False statements or representation

Impersonated attorney, law enforcement, or government official

Sir/Mam, This letter is a follow up of the complaint i submitted last XXXX XXXX, 2017, with case # XXXX, against the Collection Company Mullooly, Jeffrey, Rooney & Flynn. One night around XXXX a man just knocked the front door so loud as you can feel the vibration of the wall and i was terrified as if there is a lunatic or drunk man outside of the house looking for a fight. I was stunned and shocked from my sofa as i was half-slept and tired just got home from work. When i go out to check a man in his XXXX or XXXX about XXXX XXXX male at first, introduced himself as a delivery guy and his looking for miss so and so, my mind was still in state of shock from this very loud knock from the door. When i ask him what is the delivery he cant answer me directly and it made me so confused and XXXX off for he woke me up for nothing. And then when i ask him why do you knock the door so hard, he begin intimidate me by introducing himself as a government employee and he is looking for a certain person in the house. everything is not clear he just showed up to intimidate and misrepresent everything by conflicting who he really is. And it happened again knock on the door so loud and it happened again and again from XX/XX/XXXX to XX/XX/XXXX. And also i received multiple phone calls from unknown callers to my workplace and it is embarrassing. Calls like every hour and sometime multiple calls in an hour, it depends on their mood to annoy people. please help me they already holding my {$5900.00} of my savings from XXXX XXXX XXXX, i know its illegal to take someones money for someones debt. I dont know these people, to whom i own the money and how much money i owe. Upon reading through the site of consumer protection bureau im a victim of phantom debt and usually the victims are small people like me who have no knowledge of the law. And also i called the XXXX XXXX they say the collectors is looking for like {$2900.00} but they take away more than what they looking for but XXXX XXXX give me unclear answers and more confusions. hope you had a very good XXXX. Thank you from the bottom of my heart.

Mullooly Jeffrey Rooney & Flynn

NY

11590

Consent provided

Web

2017-12-26

Closed with explanation

Yes

2021-11-22

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I notice someone checked my credit report who I did not authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Hirshberg Acceptance Corporation

MI

48125

Consent provided

Web

2021-12-13

Closed with explanation

Yes

2019-01-04

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

This past XX/XX/XXXX I asked TransUnion to investigate an XXXX XXXX XXXX XXXX account that was either fraudulent or combined with someone else information. TransUnion investigated the about and deleted the account per the attached letter dated XX/XX/XXXX. Sometime in late XX/XX/XXXX I noticed that the same account was showing on my TransUnion credit report. I've contacted them several times with the most resent being today where I was told first told by XXXX in the " Special Handling Department '' that there was no record of the account ever being disputed or deleted. I pointed out that on XX/XX/XXXX I faxed a copy of TransUnion 's previous investigation results with yet another dispute, he acknowledged receipt of the doc 's, agreed the account in question was investigated and deleted, but said we had to go through the same lengthy investigation process. He could not explain why it was reinserted. Regardless of why or how, by allowing this account to continue to pop-up on my TransUnion credit report they are adversely effecting my ability get credit or if credit is extended it's likely come with unfavorable terms. I'm attaching my XX/XX/XXXX fax dispute and a copy of the XX/XX/XXXX TransUnion investigation results.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

XXXXX

Consent provided

Web

2019-01-04

Closed with explanation

Yes

2023-03-12

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 UCS1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

CAPITAL ONE FINANCIAL CORPORATION

DE

19701

Consent provided

Web

2023-05-17

Closed with explanation

Yes

2022-10-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

IL

60087

Consent provided

Web

2022-10-20

Closed with explanation

Yes

2019-07-22

Student loan

Private student loan

Dealing with your lender or servicer

Don't agree with the fees charged

I have been paying my loans for years now and its only getting worse. I was paying XXXX which is almost all of my paycheck for two weeks. They call from unfamiliar numbers at all hours of the day. On XX/XX/XXXX they called me at XXXX in the XXXX. I picked up and the person on the line was rude and demanded that I give them money. I felt cornered, but I wasnt even sure if it was them because they call from a new number every time. Today I looked into a loan because they said I need to pay, and they told me that I had to pay XXXX dollars to go into forbearance. I feel hopeless when I call, like Im not really going to be helped, I feel like Im being coerced into paying more money than I have. They refuse to go below XXXX but thats still half of one paycheck. I felt like I was in a standoff.

Navient Solutions, LLC.

CT

060XX

Consent provided

Web

2019-07-22

Closed with explanation

Yes

2018-09-19

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

According to the Fair Credit Reporting Ace, credit agencies are required to conduct an investigation and/or correct erroneous credit entries on credit report. On XX/XX/218, I sent an initial letter requesting them to remove specific inquiries that I believe were placed in error. I received a letter back on XX/XX/2018, stating I needed to contact the creditors directly. I sent a second follow up letter referencing XXXX v TransUnion, again asking them to investigate and remove the inquiries or provide documentation proving I gave permission for the inquiries. And again, I received the same letter on XX/XX/2018 stating I need to contact the creditors.The credit bureau did not investigate, validate, nor provide documentation for the inquiries in question

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32205

Consent provided

Web

2018-09-19

Closed with explanation

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.

IA

504XX

Consent provided

Web

2022-03-08

Closed with explanation

Yes

2020-04-06

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

Credit reporting

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

Difficulty submitting a dispute or getting information about a dispute over the phone

This is a fraudulent inquiry on my credit report XXXX XXXX XXXX | XXXX. I did not authorize this inquiry.

EQUIFAX, INC.

MD

20878

Consent provided

Web

2020-04-06

Closed with explanation

Yes

2020-07-06

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I was charged for smoking in a hotel room in XXXX nevada. I was not smoking I made a dispute with my credit card company and they acted in bad faith and failed to investigate or anylze any evidence. I was unable to make a dispute during covid per Chase 's guidelines. I did so online by pdf and fax. I was never credited to my accound and I never smoked in the room. The hotel never provided any substantial proof. It is all hearsay.

JPMORGAN CHASE & CO.

NY

11219

Consent provided

Web

2020-07-06

Closed with explanation

Yes

2022-04-18

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

Credit reporting

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

Was not notified of investigation status or results

inaccurate information is being reported on my credit report with XXXX XXXX Transunion on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. XXXX XXXX - acct # reporting on Transunion shows XXXX - Acct # reporting on XXXX XXXX both inaccurate and do not match. 2nd reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. XXXX XXXX Transunion continue to report inaccurate which is against FCRA consumer law. XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX XXXX XXXX i paid ontime and XXXX reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX XXXX XXXX all the way to XXXX XXXX XXXX. XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by XXXX & Transunion , this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but XXXX & Transunion reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.XXXX is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28027

Consent provided

Web

2022-04-18

Closed with non-monetary relief

Yes

2023-06-23

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 formal complaint that Experian, XXXX and XXXX are reporting inaccurate and incomplete information on my credit report. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. The notation of the following late payments is INACCURATE. I have notified each bureau in writing about the inaccuracy of information in my credit file. Under FEDERAL LAW the credit bureau must modify or remove inaccurate or incomplete information. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance, whether reported or not. Account : Dept. of Education/XXXX Account XXXX : XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number : ( XXXX ) XXXX For reference : All 16 accounts, the creditor reported XXXX XXXX " Current/Terms met '' ; XXXX XXXX " Past due 90 days ''. This is impossible and therefore inaccurate!!!! These INACCURATE accounts should not be furnished on my consumer report as they are in VIOLATION!! Please update all payment history for these accounts to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws or delete from credit report IMMEDIATELY.

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

Experian Information Solutions Inc.

MD

206XX

Consent provided

Web

2023-06-23

Closed with explanation

Yes

2022-12-24

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Pursuant to 16 CFR 313, I am to be mailed every 30 days an 'opt out " notice from each company that is reporting to the third party credit reporting bureaus . Transunion, XXXX, XXXX, XXXX XXXX and any other third party vendors. I have not been provided with one " opt out '' notice. The credit bureaus are only allowed to report that I have an account. No transaction history-No Balance or Limits are to be reported. The only thing that can be reported is that I have an account. Also pursuant to 31 USC 3123 all public debt is a government obligation and should be discharged dollar for dollar pursuant to HJR 192. Pursuant to 15 USC Sec. 6801-6805 also states as a consumer I have a right to privacy and each company listing transaction history, balance or credit limit history is a direct violation of my privacy. To list anything other than having an account with a financial institution is a violation. 15 USC Sec. 1666 ( a ) -A creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IN

47906

Consent provided

Web

2022-12-24

Closed with explanation

Yes

2015-12-26

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

The company XXXX XXXX XXXX is trying to collect money for items I never received and never requested. I had filed a claim with the FTC and they told me I was not liable and to write a Cease and Desist lette, which I did. They stopped harassing me until now. I received a request for payment from National Recovery Agency requesting the money. I called them to complain and now am writing to you to protect my excellant credit.

Company disputes the facts presented in the complaint

NRA Group, LLC

NY

115XX

Consent provided

Web

2016-01-04

Closed with non-monetary relief

Yes

No

2017-10-19

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

Other personal consumer report

Incorrect information on your report

Information belongs to someone else

XXXX XXXX, XXXX XXXX XXXX is an address I never lived at and it has been there over 40 years wrong and NOT amended. I have another issue with the previous owner of this house I now live in XXXX XXXX XXXX XXXX, XXXX, AZ XXXX as still listed somewhere as still having a business working there I have lived here since XXXX XXXX and I had to sign a waiver when refinancing the house stating there 's no business there.

EQUIFAX, INC.

AZ

85382

Older American, Servicemember

Consent provided

Web

2017-10-19

Closed with non-monetary relief

Yes

2022-02-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Good evening, I am XXXX XXXX XXXX XXXX XXXX a federally protected consumer. Pursuant to section 605B of the Fair Credit Reporting Act, I am requesting Equifax block and remove all that I mentioned in my FTC Identity Theft report and circled in RED on the consumer report I got from Equifax on XX/XX/2022. I have provided everything section 605B has stated I needed to block and remove items as a result of identity theft.

EQUIFAX, INC.

TX

77047

Consent provided

Web

2022-02-22

Closed with explanation

Yes

2020-12-16

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX , XXXX , and Equifax credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, Equifax, and XXXX credit report due to my identity been stolen.

EQUIFAX, INC.

CA

90011

Consent provided

Web

2020-12-16

Closed with explanation

Yes

2023-05-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I have reached out to all three credit bureaus XXXX, TransUnion, and XXXX about public information reporting on my Credit report from the US bankruptcy court. I have asked them how did they receive the information being the bankruptcy court stated that do not give nor report this information to the credit bureaus. I would like them to delete this information off all XXXX of my credit reports as it is being reported without my consent. I have also asked all three bureaus to update my name as it appears on my drivers license. All three are reporting inaccurate name spelling and addresses that is not associated with me. I have asked that all information be deleted that is not accurate and they have not done so. My correct info is as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My employer iXXXX 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.

LA

712XX

Consent provided

Web

2023-05-18

Closed with non-monetary relief

Yes

2023-01-30

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

I had a medical procedure on XX/XX/XXXX at XXXX XXXX XXXX which is owned by XXXX XXXX. XXXX XXXX XXXX billed my insurance and the claim for {$17000.00} was paid out on XX/XX/XXXX with a Patient Responsibility of {$290.00} ( copy of the Medical Insurance Claim enclosed XXXX I received a billing notice from XXXX in XXXX for the outstanding amount and made Payment in Full on XX/XX/XXXX. XXXX XXXX XXXX enchased the check on XX/XX/XXXX ( copy of the encashed check enclosed ) XXXX XXXXXXXX XXXX in spite of receiving Payment in Full, sent my case over to Credit Systems International, Inc. on XX/XX/XXXX Case Reference : XXXX I received a letter from Credit Systems International, Inc. dated XX/XX/XXXX asking me to pay the amount of {$290.00} which was Paid in Full on XX/XX/XXXX I have contacted Credit Systems International, Inc. XXXX XX/XX/XXXX to dispute the Debt and spoke to XXXX XXXX from their XXXX XXXX, TX location . XXXX XXXX was very professional and promised to contact XXXX and look into my case. However, she said she is unable to call me back because their system does not permit that and I would have to call back in two weeks to check on my case. This is an attempt by XXXX XXXX to Double Bill patients and harass them by immediately turning over their case to a Collector in a very short period of less than 90 days. Their XXXX XXXX - XXXX XXXX XXXX XXXX XXXX provides allows electronic capabilities to make payments but makes it difficult to contact them and track a dispute electronically and it has to be done by phone or postal mail. XXXX XXXX was prosecuted by the Department of Justice for XXXX XXXX and agreed to pay the US Government {$630.00} XXXX in civil penalties and damages arising from false claims tsubmitted to XXXX and other federal health programs. XXXX XXXX XXXXXXXX It is likely that XXXX and its XXXX affiliate XXXX XXXX XXXX is also Double Billing other Patients. Requesting that the CFPB please investigate this. Please feel free to contact me if you need any additional information.

Credit Systems International, Inc.

TX

77479

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2021-09-12

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Problem with rewards from credit card

I have more than {$400.00} in one of my Citi double cash account and found out that all my cash back were wiped out completely without any notice. Contacted the bank and were told they expires after 12 month even tho my account is in good standing. I put all my spending on this particular card last year and I haven't been able to spend much money because I am an XXXX XXXX XXXX and been on XXXX most of the year due to COVID. I tried to explain my situation and were told there's nothing they can do at all. No notice/email was sent out about the award points going to expire within a year even when the account was always paid full on time each month.

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

CITIBANK, N.A.

CA

91733

Servicemember

Consent provided

Web

2021-09-12

Closed with monetary relief

Yes

2023-02-12

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian Re : This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

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

Experian Information Solutions Inc.

NY

11213

Consent provided

Web

2023-02-12

Closed with explanation

Yes

2020-12-10

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 {$0.00}, {$0.00}, {$2200.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$2500.00}, {$170.00}, {$150.00}, {$150.00}, {$1600.00}, {$800.00}, {$3400.00}. 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 ) -- CLOSED ACCOUNTS 1. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. -- PERSONAL LOANS 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. -- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account. 10. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXXXXXX with a balance of {$150.00} -This is not my account. 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account. 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 14. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3400.00} .XXXX -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

90004

Consent provided

Web

2020-12-10

Closed with explanation

Yes

2018-05-11

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

Credit reporting

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

Their investigation did not fix an error on your report

I AM A VICTIM OF IDENTITY THEFT HAVE SUBMITTED A POLICE REPORT, ALONG WITH MY ID, THE FCRA 605B REPORT, ADDRESS ID, CIRCLING THE FRAUDULENT ITEMS ON MY CREDIT REPORT ALONG WITH THE LATES CAUSED BY THOSE FRAUDULENT ITEMS, AND THE INQUIRIES ON MY REPORT THAT ARE FRAUDULENT TO BOTH XXXX AND EXPERIAN CREDIT BUREAUS ABOUT 5 TO 6 TIMES AND BOTH CREDIT BUREAUS REFUSED TO REMOVE CIRCLED ITEMS THAT ARE FRAUDULENT AS THE FCRA 605B STATES HAS TO BE REMOVED IN 4 BUSINESS DAYS BY LAW. FURTHERMORE AS I SAID I SENT THEM ALL ITEMS NEEDED INCLUDING MY CREDIT REPORT AND ABOVE ITEMS AS DIRECTED BY THE BUREAUS AND THEN SEND BACK FRIVIOUSLY LETTERS THAT THEY NEED MY ID AND SOCIAL SECURITY CARD ( COPY ) AGAIN WHEN I SENT IT THE FIRST TIME AND EVERY TIME. THEY HAVE COST ME CREDIT AND LOANS BY THERE INTENTIONAL DELAYS AND I AM GOING TO RETAIN A LAWYER AND SUE THEM IMMEDIATELY IF MY CREDIT REPORT ISNT CORRECTED NOW ...

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

Experian Information Solutions Inc.

NY

103XX

Consent provided

Web

2018-05-11

Closed with explanation

Yes

2016-08-16

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

*This is the closest option that fits my situation. * I received a letter on XXXX/XXXX/2016 from a company called National Credit Adjusters, claiming that I owe a different company called 'XXXX ' a loan amount of {$500.00}. I never got a loan with this company ; I 've never even heard of them before. Tried calling the number listed in the letter, did n't go anywhere ( it just put me on hold until I was disconnected ). This is a false debt, so I 'm reporting them for scamming.

National Credit Adjusters, LLC

LA

705XX

Consent provided

Web

2016-08-16

Closed with explanation

Yes

No