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2019-05-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi, I wanted to reach out to let you know about some things on my credit that I know nothin about. I was buying to buy a house for my family and couldnt because of the things on there not mine. Please remove them from my credit. I contacted the police and file a report with the FTC. I'm doing this on my own behalf. The accounts are XXXX XXXX, Dpt EdXXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, and some account that dint have a name but the account XXXX. Thanks for you help with this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 302XX | null | Consent provided | Web | 2019-05-31 | Closed with non-monetary relief | Yes | null | 3,260,471 |
2019-06-13 | Checking or savings account | Checking account | Opening an account | Didn't receive terms that were advertised | I opened a checking account with Ameris Bank on XX/XX/19, followed the step which is two monthly direct deposit of {$250.00}. the fine print said to have two monthly direct deposit of {$250.00} within 90 days upon account opening a {$100.00} bonus will be deposited to the account after 60 days, it's almost 90 days now, a bonus was not credited to my account. I call customer service several times action was not taken. | null | AMERIS BANCORP | FL | 337XX | null | Consent provided | Web | 2019-06-13 | Closed with explanation | Yes | null | 3,273,893 |
2020-07-12 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | I made a payment to my account paying my account in full, but the company has not yet posted my payment and refused to tell me when the funds will be available for use.
Further they refuse to provide me my account statements for review. It would be helpful if : 1. PayPal and/or Synchrony were transparent in how payment processing worked & when payments will be available for use. Holding my credit payment w/out allowing use of the account feels very UDAAP. Especially w/out any notice. PayPal is notorious for nesting critical account information in Terms & Condition.
2. I had access to my statements. The Company pushes me to do business electronically, but does not have the ability to allow me to view statements online or email me copies of the statements.
About a month or so ago I called because there was a {$300.00} missing payment. The agent was unable to explain to me where the funds went. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | CA | XXXXX | null | Consent provided | Web | 2020-07-12 | Closed with monetary relief | Yes | null | 3,741,770 |
2022-08-04 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I feel like I'm being taken advantage of being ignored of my disputes. XXXX makes it clear that failure to review an item within 30 days will result in its removal from my credit report immediately. These entries should be deleted immediately as they are older than sixty days. I demand the immediate deletion of these accounts ; otherwise, I will sue you for the stress you have given me.
LVNV FUNDING ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX | null | Resurgent Capital Services L.P. | IL | 60431 | null | Consent provided | Web | 2022-08-04 | Closed with explanation | Yes | null | 5,845,133 |
2021-04-04 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | You never received your bill or did not know a payment was due | On two separate occasions in 2020, I contacted Capital One to discuss payment options as I was needing Covid assistance. Capital One customer service set me up on two payment plans. In these payment plans, Capital One provided specific dates and amounts due as per the payment plan. I followed these payment plans. However, Capital One, unbeknownst to me, continued to mark my payments as late on my credit report. I feel lied to. What was the point of the payment plans?! If it wasn't for Capital One offering the payment plan, I would have made the payments on time. Seems engineered to get more fees from customers. | null | CAPITAL ONE FINANCIAL CORPORATION | WA | 98366 | null | Consent provided | Web | 2021-04-04 | Closed with explanation | Yes | null | 4,270,665 |
2019-11-24 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I am responding to your contact about a debt you are trying to collect. You contacted me by phone and direct mail. Your office has identified a debt that was quoted from a debt buyer. Currently, I demand complete authentication of debt ownership. Your office will be reported to the Consumer Financial Protection Bureau for the operation of a fraudulent scam operation, claiming ownership of debt that simply does not belong to your agency, and therefore I am still protected under the Fair Debt Collection Practices Act. Your office must cease and desist all further activities against me for this illegal collection practice immediately and purge my personal information from your collection operations permanently.
[ any information they gave you about the debt ]. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | DC | 20011 | null | Consent provided | Web | 2019-11-24 | Closed with explanation | Yes | null | 3,448,894 |
2020-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/20 I sent a certified letter for a account on my report that didnt belong to me. I also asked for original documentation to be sent to me binding me to this debt. On XX/XX/20 I sent another letter asking for my signatures and original documentation I have not got any information. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | MD | 20774 | null | Consent provided | Web | 2020-04-13 | Closed with explanation | Yes | null | 3,604,848 |
2019-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault.
Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX | null | EQUIFAX, INC. | SC | 29681 | null | Consent provided | Web | 2019-03-30 | Closed with explanation | Yes | null | 3,196,229 |
2021-04-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Equifax is reporting the account with XXXX inaccurately on my credit report. I disputed the account and requested a investigation be completed since XXXX of 2020 and sent letter after letter asking for an investigation since this account is reporting inaccurately. I never received a response or an update on the investigation. I sent another letter warning I would file a complaint and the comments was updated to show " reinvestigation in progress '' when I never received any information from the first investigation. It also has been 60 days since the comment was added and I still haven't received any information on the account. I even sent a validation letter to XXXX and never received a response. | null | EQUIFAX, INC. | SC | 29485 | Servicemember | Consent provided | Web | 2021-04-10 | Closed with explanation | Yes | null | 4,286,068 |
2019-04-08 | Checking or savings account | Checking account | Managing an account | Banking errors | First of all, Citi allowed online application to open the account without any notification about XXXX. Next, tax is deducted on savings interest and does not notify why interest is deducted without notifying even then that XXXX is not available. Only after I reach out multiple times, I am told XXXX is not on file and hence tax is deducted. Then I get a mailing address to send XXXX via US mail. When I followup a week after mailing because the tax is deducted even for the second month, I am told the address I mailed is incorrect because I was given incorrect mailing address. What is so bad is XXXX has complete information that includes full name, address and SSN. Now Citi is asking me to send the XXXX again to another address stating that is correct address. I can not XXXXmagine how bad this is because someone now has my personal information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MA | 016XX | null | Consent provided | Web | 2019-04-08 | Closed with explanation | Yes | null | 3,205,378 |
2019-03-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I received a copy of my Equifax credit report and noticed that I have these inquiries. I have previously asked/disputed ( 2 ) times for these hard inquiries to be removed. I have not received any documentation providing any information regarding these inquiries and since this is this the case, I hereby request you method of verification for these inquires on my credit report ( both hard & soft inquiries ). You are required to have documentation providing my consent and permissible purpose. If you lack these documents, I ask you to delete these immediately. This is not a dispute ; this is a request for your method of verification.
- Must I remind you that : According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court ordered or requested by a state or local government agency in relation to child support.
Incorrect Personal Information Previously disputed.
- I am requesting that you delete these inaccurate inquiries from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information.
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Unrecognized/ Authorized inquiries previously disputed. I now ask for your method of verification for these. Either furnish proper verification or delete these immediately.
- I am requesting that you delete this inaccurate inquiry from my Credit Report immediately and forward an updated copy of my Credit Report after you have corrected this information.
- By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
Lastly, be sure to include the name and address of the Company or individuals who were directly contacted in regards to this matter.
Former Address 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 : XXXX XXXX XXXX XXXX XXXX, IN XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX This letter was sent Certified mail / Return receipt requested & Notarized. Litigation will be pending based on your actions per this letter.
Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Tracking # XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | IN | 46235 | null | Consent provided | Web | 2019-03-18 | Closed with non-monetary relief | Yes | null | 3,182,608 |
2020-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have asked for this account to be validated multiple times, All i ever received wa the letter i attached below ... ..I was never sent a copy of my wet signature signed contract ... The amount due on the document XXXX sent to me does not match the amount of the balance on a my credit report says how can they claim that they investigated this properly and that it is reporting 100 % accurately? I have attached a few of the letters that i have sent all 3 credit bureaus as well as the letters i directly sent discover via usps ... ..i have also attached a copy of my credit report with multiple differences reporting between the 3 bureaus and multiple violations in the reporting..this account has been re-aged, how are they reporting a credit limit on a charged off account? the high credit limits dont match, date of last payment does not match and im sure there are more that i do not know about .... | null | EQUIFAX, INC. | PA | 196XX | null | Consent provided | Web | 2020-11-16 | Closed with explanation | Yes | null | 3,956,394 |
2023-06-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC. | null | EQUIFAX, INC. | SC | 290XX | null | Consent provided | Web | 2023-06-05 | Closed with explanation | Yes | null | 7,070,466 |
2021-03-27 | Vehicle loan or lease | Loan | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE | null | CAPITAL ONE FINANCIAL CORPORATION | RI | 02860 | null | Consent provided | Web | 2021-03-27 | Closed with explanation | Yes | null | 4,250,032 |
2021-11-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2021 I sent a dispute to TransUnion about XXXX accounts that were open as result of identity theft. Those accounts are : XXXX ( # XXXX, Total Amount Obtained : {$2300.00}, Opened : XXXX ) and XXXX (. # XXXX, Total Amount Obtained : {$1100.00}, Opened : XXXX ) Attached are the disputes I sent to the bureaus and the identity theft affidavit. TransUnion didn't answer my dispute or blocked the accounts are they are required pursuant to FCRA XXXX ( XXXX U.S.C. & XXXX XXXX ) which states that these accounts must be removed within XXXX Business Days of receipt. | Company believes complaint caused principally by actions of third party outside the control or direction of the company | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77004 | null | Consent provided | Web | 2021-11-20 | Closed with explanation | Yes | null | 4,932,335 |
2022-03-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My Identity was stolen in two-three data breaches and has been used open credit cards. I signed up for credit monitoring that was offered because of the breaches. When reviewing my credit reports there were credit cards from CITI bank that were opened due to identity theft. I notified CITI. Made a police report. Added a fraud alert on my credit reports. I sent Citi bank documentation multiple times via certified mail which has been received and the signature card returned to me that validates I am a victim of Identity theft.
Citi bank as of today XX/XX/2022 which is over a year I have been trying to correct this horrible act has not removed the accounts that were opened in my name with my social security number from my credit report. I have called CITI numerous times with no resolution and I am brushed off. I have requested documentation pertaining to the accounts listed on my credit report multiple times. Finally, I received documentation from CITI bank that also validates the accounts on my credit report that CITI is reporting as in default and charged off are not my accounts and CITI continues to report negative information to all three credit agencies.
The paperwork that I received from CITI bank allowed the use of my identity that was stolen to open credit cards and commit this horrible act that is causing my credit and health to be abused because Citi bank continues to report negative information to all three credit bureaus. Attaching are documentation I received from CITI bank that verifies that my identity was stolen. The papers I received from Citi bank were two packets in one envelope one packet has a top # XXXX have multiple credit accounts attached. The next packet is labeled # XXXX. I have attached the police report that confirms that this has been reported to the police department. All the attached documents have been sent multiple times to CITI bank and they continue to disregard that I am a victim of identity theft.Citi Bank has tarnished my credit and this needs to be addressed now and corrected. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | MA | XXXXX | null | Consent provided | Web | 2022-03-02 | Closed with explanation | Yes | null | 5,276,622 |
2019-03-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT:XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.
XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX | null | EQUIFAX, INC. | FL | 33470 | null | Consent provided | Web | 2019-03-15 | Closed with explanation | Yes | null | 3,181,477 |
2020-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently applied for a XXXX XXXX credit card and when they ran my credit they said I was not approved and I would receive a letter in the mail with the details of why I got denied. Today XX/XX/2020 I received the letter and it said that the reason I was not approved was that I had one or more accounts in negative standing. I know I don't have any negative accounts on my credit so I got a copy of my credit report and there are three accounts with negative payment history that do not belong to me. The accounts are from these companies XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never had an account with any of these companies nor am I affiliated to them in any way. I have no idea who opened these accounts in my name without my permission but I did not benefit anything such as money, goods or services and I never made any payment towards any of these accounts. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95209 | null | Consent provided | Web | 2020-05-15 | Closed with explanation | Yes | null | 3,654,487 |
2023-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | delete these inquiries XXXX XXXX XXXX via XXXX XXXX inquired XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX via XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXX, XX/XX/XXXX equfax my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX, XXXX - XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX- XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXXXXXX my credit was accessed on XX/XX/XXXX by XXXX - XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXXXXXX by XXXX XXXX XXXX XXXX XXXX my credit was accessed on XX/XX/XXXX by XXXX XXXX XXXX XXXXXXXX XXXX | null | EQUIFAX, INC. | NV | 89512 | null | Consent provided | Web | 2023-02-28 | Closed with explanation | Yes | null | 6,628,992 |
2021-04-12 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | I do not have any idea why this company is trying to collect money from me. I do not owe them any money nor any of the companies that they collect for. | Company believes it acted appropriately as authorized by contract or law | Medical-Commercial Audit Inc | GA | 30252 | null | Consent provided | Web | 2021-04-12 | Closed with non-monetary relief | Yes | null | 4,290,216 |
2017-10-08 | Vehicle loan or lease | Lease | Problems at the end of the loan or lease | Problem with paying off the loan | Hi, we total losses a car end of XXXX XXXX, however the car lease payment was set up in early XXXX, so out of common sense we called to cancel the auto pay- there is no reason to pay a loan for a car that was total losssed.
Our car insurance company worked with Toyota GAP insurance to pay off the full balance on the car- however as of today, toyota financial service have been harassing me by leaving phone message saying how urgent this issue is, and sending me mail by threatening g to sue me.
Most ridiculously, they asked me to send back the lien release- I never even got it yet!
This is insane and it seriously disturbed my life, we have suffered enough from the car accident, and now we have to face their harassment.
Please help stop these nasty people. | null | TOYOTA MOTOR CREDIT CORPORATION | CA | 90037 | Servicemember | Consent provided | Web | 2017-10-08 | Closed with explanation | Yes | null | 2,696,306 |
2023-02-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX LXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. | MI | 48317 | null | Consent provided | Web | 2023-02-02 | Closed with non-monetary relief | Yes | null | 6,515,478 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Improper use of your report | Reporting company used your report improperly | in accordance with the fair credit reporting act XXXX account # xxxxxxxxxxxx XXXX, has violated my rights. | null | CAPITAL ONE FINANCIAL CORPORATION | IL | 60619 | null | Consent provided | Web | 2022-05-26 | Closed with non-monetary relief | Yes | null | 5,601,979 |
2019-08-09 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I deposited a XXXX check into my checking account at Bank of America. The bank put an 8 business day hold on my deposit. They did not make at least XXXX dollars available after 3 business days. I believe this is a violation of the expedited funds availability act. The entire check is on hold for a total of 12 days including the weekends. I am in good standings with the bank. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MN | 55414 | null | Consent provided | Web | 2019-08-09 | Closed with explanation | Yes | null | 3,335,571 |
2022-11-08 | Checking or savings account | Checking account | Problem caused by your funds being low | Non-sufficient funds and associated fees | XX/XX/2022 I was in XXXX used my card at ATM after that I lost my card, and few transactions made not by myself. When I found out that I called Chase created a case but they closed my case without refund saying because I do have inflight transactions, so I feel like they are saying because I travelled to XXXX and they dont refund any amount that not by me located in XXXX XXXX | null | JPMORGAN CHASE & CO. | CA | 91362 | null | Consent provided | Web | 2022-11-09 | Closed with explanation | Yes | null | 6,179,661 |
2022-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 480XX | null | Consent provided | Web | 2022-11-16 | Closed with non-monetary relief | Yes | null | 6,211,734 |
2023-03-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple years. | null | EQUIFAX, INC. | OH | 436XX | null | Consent provided | Web | 2023-03-27 | Closed with explanation | Yes | null | 6,758,305 |
2022-09-15 | Checking or savings account | Savings account | Closing an account | Can't close your account | No matter what I do I am unable to contact CIT Bank, a division Of First Citizens at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have been locked out of my account and no matter how long I wait, no one will answer the phone at XXXX They are holding my money against my will | null | FIRST CITIZENS BANCSHARES, INC. | WA | 99362 | Older American | Consent provided | Web | 2022-09-15 | Closed with explanation | Yes | null | 5,985,981 |
2022-12-30 | Checking or savings account | Checking account | Managing an account | Banking errors | Chime has in error charged me twice for a provisional credit after a unfavorable dispute. My original dispute was dated XX/XX/XXXX ( original payment ).
XX/XX/XXXX provisional credit from chime.
Friday XX/XX/XXXX provisional credit reversed.
XX/XX/XXXX another adjustment XXXX.
I closed my dispute in the app which I believed caused me to pay a provisional credit again.chime stated they stopped my dispute on XX/XX/XXXX but email shows i was already charged on XXXX XXXX already settled the dispute on XX/XX/XXXX. Both screenshots will be below.
I have contacted them everyday all i get is a 1-3 days for an investigator to look at my claim. Nobody speaks fluent XXXX or can understand me | null | Chime Financial Inc | VA | 23608 | Servicemember | Consent provided | Web | 2022-12-30 | Closed with explanation | Yes | null | 6,378,951 |
2023-06-14 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information is incorrect | Im now unemployed and going to be homeless because Atlantic employee screening is giving a false report on my background check saying I recently lived at an address in Maine Ive never been there and dont know anyone there they said they got the information from social XXXX XXXXXXXX | Company believes the complaint is the result of a misunderstanding | Alantic Personnel & Tenant Screening, Inc | VA | 22150 | null | Consent provided | Web | 2023-08-23 | Closed with explanation | Yes | null | 7,116,846 |
2020-02-24 | 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 as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | UT | 84116 | null | Consent provided | Web | 2020-02-24 | Closed with explanation | Yes | null | 3,541,731 |
2015-10-30 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt resulted from identity theft | The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}.
I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection.
I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ).
The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then.
I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI.
See attached last bill for collection. | null | AFNI INC. | NY | 10032 | null | Consent provided | Web | 2015-10-30 | Closed with explanation | Yes | No | 1,634,520 |
2023-08-26 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am re-submitting another CFPB complaint as follow up and an assurance that the EXPERIAN, XXXX and XXXX Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : EXPERIAN : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX BUREAU XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/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 XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91405 | null | Consent provided | Web | 2023-08-26 | Closed with non-monetary relief | Yes | null | 7,458,541 |
2021-03-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | There are 4 accounts on my credit report that are not mine and a bankruptcy that are not mine they do not belong to me I have not applied for these used this or even applied for this.
Account Name : XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX/XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91504 | null | Consent provided | Web | 2021-03-31 | Closed with explanation | Yes | null | 4,262,333 |
2022-04-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX have violated my rights.
15 U.S.C 1681 Section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23462 | Servicemember | Consent provided | Web | 2022-04-21 | Closed with explanation | Yes | null | 5,476,368 |
2015-04-13 | Debt collection | Payday loan | Communication tactics | Threatened to take legal action | In XXXX of 2014 I paid off an online payday loan. The original creditor was XXXX XXXX with a loan amout was {$300.00}. In order to avoid any legal action I had to pay {$760.00} to XXXX XXXX XXXX. They said someone was on their way to serve me with papers because I 'm being accussed of bank fraud and writing a bad check. I panicked and paid the {$760.00}. A XXXX weeks later I started getting calls from Clear Credit Solutions and they left me voicemails stating it was a legal matter that I needed to resolve before it goes further. I have only received funds from XXXX online payday loan which was paid off. These people continue to call both me and my finance ( who 's name is not on the loan only used as a reference ) and threaten to take legal action if I do n't pay. I 've filed compliants before with the attorney generals office, FTC and CFPB but nothing happens and I 'm scared. | null | Solidus Group LLC. | FL | 32808 | null | Consent provided | Web | 2015-04-15 | Closed with explanation | Yes | No | 1,326,846 |
2021-08-27 | Debt collection | I do not know | Written notification about debt | Didn't receive notice of right to dispute | The collection company has add this collection account to my credit report 5 times. Each week they add a dollar to the balance and add it as a new collection and I have no knowledge of this account. Fraudulent activity is occurring with this company. | null | ENCORE CAPITAL GROUP INC. | FL | 32257 | Servicemember | Consent provided | Web | 2021-08-27 | Closed with explanation | Yes | null | 4,667,480 |
2022-06-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 357XX | null | Consent provided | Web | 2022-06-03 | Closed with non-monetary relief | Yes | null | 5,631,143 |
2016-06-17 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Received bad information about my loan | Approximately 9 years ago, I started working a XXXX at the XXXX. As a result, I could my student loan provider ( XXXX ) and asked them if I qualified for the public service loan forgiveness program, and I was told that I did not because it was only for XXXX. I also asked if I should consolidate my loans, and they told me that I should n't because my interest rate would go up. I called several more times asking about the public service program, and was told each time that my job did not qualify. I recently discovered that multiple people in my office are in this public service program and was directed to apply for it directly with the department of education, which I did. I then got a letter from the department of education stating that my job qualified but my loan type did not, and had I consolidated my loans they would have qualified. I have since called XXXX and found that they have records of all my call history that support what I have explained, but they have denied me and my lawyer access to these records we have requested. I estimate that the miss-information provided me by XXXX ( which is a contractor acting on behalf of the department of education ) has cost me about {$25000.00}. I am currently trying to get ahold of my call history because Senator XXXX XXXX has promised to try to help me get this issue resolved with the department of education since I was miss-informed by one of their contractors. I would like this to be resolved and either the XXXX or the department of education be held responsible for this misinformation. XXXX has argued that it was not their responsibility to inform me of what loan programs I qualify for and that I am responsible. I disagree with this argument for two reasons : 1 ) XXXX was acting as a contractor for the department of education servicing student loans, and as a result should be expected to understand student loan programs offered by the department of education ; and 2 ) if XXXX was not informed about the public service program or was not responsible for providing information about this program, they should have told me so to begin with rather than giving me incorrect information that I then made important decisions with. Now because they know they are responsible, they are denying me access to my own account information. Please help make this right for me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Utah System of Higher Education | OR | 97702 | null | Consent provided | Web | 2016-06-22 | Closed with explanation | Yes | Yes | 1,973,808 |
2015-09-27 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt was paid | Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account. | Company believes it acted appropriately as authorized by contract or law | Southwest Credit Systems, L.P. | CA | 94804 | null | Consent provided | Web | 2015-09-30 | Closed | Yes | No | 1,582,025 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | null | EQUIFAX, INC. | IL | 60563 | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,606,091 |
2020-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2020 I sent documentation regarding unknown and inaccurate accounts I found on my credit report. It's over 30 days now but I haven't received any response. I was a victim of an XXXX Data Breach. I demand to Deleted those accounts or I will file litigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | LA | 70094 | null | Consent provided | Web | 2020-12-07 | Closed with explanation | Yes | null | 3,996,183 |
2022-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported 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. | DC | 20020 | null | Consent provided | Web | 2022-01-03 | Closed with explanation | Yes | null | 5,063,470 |
2023-03-26 | 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 the Fair Credit Reporting act. The account ( s ) below has violated my federally protected consumer rights to privacy and confidentiality, under 15 USC 1681.
XXXX XXXX, 15 USC 1681 section 602 A. States I have a right to privacy.
15 USC 1681 section 604 A, section 2. States that a consumer reporting agency can not furnish an account without my written instructions 15 USC 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 items of information, other than records other than records of convictions of crimes which antedate the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. | null | EQUIFAX, INC. | IL | 60643 | null | Consent provided | Web | 2023-03-26 | Closed with explanation | Yes | null | 6,751,875 |
2022-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX. Trans Union failed to respond to my dispute request that I sent certified mail - XXXX XXXX XXXX XXXX XXXX.
XXXX. Trans Union failed to verify that XXXX XXXX and XXXX XXXX accounts were accurate.
XXXX. Trans Union never provided a notarized investigation report for XXXX XXXX and XXXX XXXX instead they sent a Investigation Results pages.
XXXX. Trans Union stated XXXX XXXX was late XX/XX/XXXX then removed this late date of XX/XX/XXXX and change the date to XX/XX/XXXX.
XXXX. Trans Union stated XXXX XXXX was late to XX/XX/XXXX after ( XXXX ) dispute requests however they never notified me they switched the date.
XXXX. XXXX XXXX provided a payment log to Trans Union. In this payment log I was never charged a late fee for XX/XX/XXXX or XX/XX/XXXX because I was never late.
XXXX. XXXX XXXX XXXX has never provided a payment log and I have never been late.
XXXX. XXXX XXXX XXXX also stated I was late XX/XX/XXXX and then they switched the late to XX/XX/XXXX on my XX/XX/XXXX XXXX credit report | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 75010 | null | Consent provided | Web | 2022-02-16 | Closed with non-monetary relief | Yes | null | 5,230,481 |
2023-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have noticed that the following companies are reporting addresses that are not mine, I have provided a copy of my Drivers license, and these Banks have Account charged my account without sending me a 1099C Under Section 166 of the Internal Revenue Code, All debts or Accounts are charged off. Must send the consumer a 1099C which I have not received from this bank. XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX XXXX are bank ( as defined in 1.166-2 ( d ) ( 4 ) ( i ) of the Income Tax Regulations ) and is subject to supervision by Federal authoritiesXXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXXXXXX has elected under 1.166-2 ( d ) ( 3 ) to use the conformity method of accounting to determine when debts owed to XXXX XXXX XXXX XXXX CAPITAL ONEXXXX XXXX XXXX become worthless bad debts.
15 U.S. Code 1681b - ( a ) ( 1 ) ( 2 ) Permissible purposes of consumer reports 15 U.S. Code 1681a - ( 2 ) ( A ) ( i ) 15 U.S. Code 1681a - ( 2 ) ( B ) 15 U.S. Code 1681e - ( b ) | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 78227 | null | Consent provided | Web | 2023-04-14 | Closed with explanation | Yes | null | 6,842,154 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX ) XXXX Balance : {$80.00} ( Original Creditor : ) XXXX Balance : {$650.00} 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. | SC | 296XX | null | Consent provided | Web | 2023-04-19 | Closed with non-monetary relief | Yes | null | 6,859,693 |
2022-06-22 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Payment was made on XX/XX/22 in the amount of {$11000.00}. Check was clearly stated in the numerical amount box and on the dollars line on the check.
Barclay Master Card US posted payment of {$1200.00}. Which caused an outstanding balance, late fee, interest, etc.
Contacted customer service on XX/XX/22 and again on XX/XX/22. They can not connect me to anyone in payments to discuss how to resolve.
I have messages them on the web site and called and wasted numerous hours on this to try to figure out how to resolve their error. No one can help me.
I need to talk to a grown up at Barclay who can speak the English language and intelligently discuss how to resolve this matter.
Barclay reference number XXXX submitted on XX/XX/22. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | PA | 15090 | null | Consent provided | Web | 2022-06-22 | Closed with monetary relief | Yes | null | 5,697,783 |
2023-08-21 | 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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items.
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX XXXX XXXX : ; XXXX XXXX Balance : {$310.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXX Inquired on XX/XX/2022 ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 ; | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33025 | null | Consent provided | Web | 2023-08-21 | Closed with non-monetary relief | Yes | null | 7,428,393 |
2022-12-30 | 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 | Applied for XXXX XXXX XXXX. Application rejected they say due to Equifax report. Checked and my Score Very Good XXXX. | null | EQUIFAX, INC. | FL | 334XX | Older American, Servicemember | Consent provided | Web | 2022-12-30 | Closed with explanation | Yes | null | 6,378,976 |
2022-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | N accordnace with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States that a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | MD | 216XX | null | Consent provided | Web | 2022-06-21 | Closed with explanation | Yes | null | 5,693,491 |
2020-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.
US DEP ED XXXX {$7800.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX {$620.00} XXXX XXXX XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX {$420.00} XXXX XXXX {$140.00} XXXX XXXX {$12000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$180.00} XXXX XXXX {$390.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75043 | null | Consent provided | Web | 2020-04-28 | Closed with explanation | Yes | null | 3,627,240 |
2020-04-10 | Checking or savings account | CD (Certificate of Deposit) | Managing an account | Banking errors | Please attach this clain with another current claim # XXXX. The CD did not get sent to unclaimed funds. It was purchased through Charter One Bank before Citizens Bank bought them out. Citizens Bank finally investigated to find that it was NOT sent to unclaimed funds. We received a call from XXXX XXXX ( Citizens Bank ) XXXX to return her call. She finally made contact with my daughter, XXXX XXXX and made the statement that she must have cashed it in. My daughter didn't even know I had this CD for her until now ... so NO it was not cashed in. XXXX XXXX has not returned any of my calls to discuss this. Furthermore, if it was cashed in, a 1099 form would have been issued for the interest on the account that was paid when cashing the CD in. We feel like someone is trying to STEAL our money! This CD was for {$7500.00} originally, and was taken out in 2001. | null | CITIZENS FINANCIAL GROUP, INC. | OH | 43537 | null | Consent provided | Web | 2020-04-13 | Closed with explanation | Yes | null | 3,601,560 |
2019-07-25 | 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 tried disputing the inquiries on my credit report but Experian does not let me dispute any of the inquiries online. I need the highlighted inquiries attached to this complaint to be removed 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. | IL | 60653 | null | Consent provided | Web | 2019-07-25 | Closed with explanation | Yes | null | 3,318,504 |
2022-07-23 | 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 | Let the record reflect, that I, : XXXX XXXX XXXX, the consumer in a credit transaction with American Honda XXXX XXXX XXXX Acura XXXX XXXXXXXX XXXX come with clean hands and in good faith to exercise my Right to Rescind a transaction with American Honda XXXX XXXX XXXX Acura XXXX XXXX for their violations against my consumer rights. I rescinded my transaction with American Honda XXXX XXXX ; Acura of XXXX on XX/XX/2022 for the following reasons : 1 ) American Honda XXXX XXXX failed to clearly and conspicuously provide me with the documents needed to rescind. I never received a delivery in the mailing or electronic form with my consent informing me of my right of rescission. Pursuant to 12 CFR 1026.23 ( b ) 2 ) No notice was on a separate document that identifies the transaction, along with failure to clearly and conspicuously disclose how to exercise the right to rescind, with a form for that purpose, the effects of rescission, and the date the rescission period expires. Pursuant to 12 CFR 1026.23 ( b ) ( 1 ) 3 ) Because the required notice or material disclosures were not delivered, the right to rescind shall expire 3 years after consummation, upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. Pursuant to 12 CFR 1026.23 ( a ) ( 3 ) 4 ) Since this contract was not clear and conspicuously in writing, in a form that I, the consumer may keep. 12 CFR Part 1026.17 ( a ) 5 ) They also failed to explain to me, the consumer, the extension of credit being done while having me sign a contract without further explanation of my rights.
Notice of my Rescission was sent and received by XXXX XXXX XXXX XXXX & XXXX XXXX XXXX of American Honda XXXX XXXX XXXX XXXX Acura XXXX XXXXXXXX on XX/XX/XXXX, XXXX ( USPS tracking number XXXX. ) Same notice was sent to the following corporations as well.. XXXX XXXX XXXX XXXX XXXX, received XX/XX/XXXX, XXXX ( USPS tracking number ( XXXX ), and financial institution, American Honda Finance Corp. XXXX received by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX ( USPS tracking number XXXX ).
As a courtesy for the opportunity to cure, I sent a 2nd notice to the same individuals and corporations mentioned above, still no response.
As of today XX/XX/2022, American Honda XXXX XXXX XXXX XXXX Acura XXXX XXXX has failed to meet the following demands listed due to their violation to my consumer rights and is now at fault.
1 ) The return of all my property including my original credit application along with my title for my vehicle ( vin # XXXX ) in which I am keeping due to impracticable and inequitable practices. I have tendered what I perceive to be the value by assigning American Honda XXXX XXXX XXXX XXXX fiduciary to extinguish the debt via Form 56, see 1026.15 ( d ) ( 3 ).
In pursuant to 12 CFR 1026.23 ( d ) ( 1 ) which states, within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction.
2 ) Cancellation and termination of the security interest that has risen from this transaction, pursuant to 12 CFR 1026.23 ( d ) ( 1 ).
XXXX ) Release the alleged loan that was put on my name since I did not apply for a loan, instead I applied for the extension of my own credit. I never made a loan application, I made a credit application.
If demands are not met with American Honda XXXX XXXX XXXX XXXX Acura XXXX XXXX XXXX according to CFPB response guidelines, I will be forced to seek legal action due to the clear violation of my consumer rights pursuant to 12 CFR PART 1026 ( Regulation Z ). See attached for all original documentation that was sent to the dealer, financial institution, and both registered agents.
Along with my complaint placed with CFPB, I also have sent in all copies of original documents and have notified the Federal Trade Commission along with the Attorney General. | null | AMERICAN HONDA FINANCE CORP | VA | 23236 | null | Consent provided | Web | 2022-08-22 | Closed with explanation | Yes | null | 5,802,265 |
2022-10-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 331XX | null | Consent provided | Web | 2022-10-24 | Closed with non-monetary relief | Yes | null | 6,118,878 |
2022-02-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I, XXXX XXXX, Living Person And Original creditor have solely made this complaint and if stated otherwise would be intentional willful neglect. I have supporting documents presented in this complaint that establishes that the corporations mentioned in said complaints have committed fraud against me since as far back as 2014. This is totally unacceptable and you must hold these companies responsible as they feel they are ABOVE THE LAW and taking advantage of me and my REPUTATION. The accounts listed in the supporting documents of this complaint CLEARY show that the accounts are not mine and are fraudulent. Pursuant to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting on my consumer 's file. I am telling you my hand on the bible that this is information will not be blocked in error. My FTC report and affidavit of truth attached are proof that nothing I have stated is false. As your Bureau is here to protect my consumer 's rights I am requesting that you force these corporations to remove ALL negative remarks on my consumers file. All of this information MUST be blocked within 4 days of this complaint per the LAW. If this fraudulent activity continues I will be forced to start LITIGATION. If you believe that I've obtained possession of goods, services, or money as a result of information to be blocked, have your executive member or the company put it in an affidavit of truth notarized. Thanks for your cooperation in this matter. I am XXXX XXXX and I am submitting this complaint MYSELF and there is no third party involved. This complaint should not be closed at any time for authorization needed. This submitted complaint with attached documents will be my written authorization. | null | EQUIFAX, INC. | MI | 480XX | null | Consent provided | Web | 2022-02-13 | Closed with explanation | Yes | null | 5,217,266 |
2017-10-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove accounts from my credit reports/files that were opened fraudulently. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NM | 87505 | null | Consent provided | Web | 2017-10-29 | Closed with explanation | Yes | null | 2,714,884 |
2020-09-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XX/XX/XXXX car was in a total loss claim with XXXX the car was I was the the borrower my mother was the co borrower. On XX/XX/XXXX my mother passed away unexpectedly. Went to get the information to finish the claim couldnt because my name wasnt on the title registration or anything and she had no will ... which I had to pay for a lawyer to help me become the administrator XXXX XXXX and XXXX was aware of this, but all of a sudden they reported 2 missed payments which took 38 points away. Months later insurance company paid Nys gap paid and I never received a letter with the remaining balance I had called each week finally I paid the balance account is closed and paid and still is open and late on my report | null | EQUIFAX, INC. | NY | 14609 | null | Consent provided | Web | 2020-09-05 | Closed with explanation | Yes | null | 3,832,318 |
2021-09-17 | Debt collection | Other debt | Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | Southern Management Systems is a third party debt collector that has been illegally harassing me trying to collect debt not owed since XXXX in the amount of {$2000.00}. Using debt validation letters I finally got them to cease and remove all negative marks from my report on XX/XX/XXXX. I have not been able to get an apartment or home since XXXX because of this company. Ive had to live with friends and family the last 5 years because this company ruined my reputation by furnishing false information on my consumer report. A deletion is an admission of the fraud being committed. | null | Southern Management Systems Inc. | CA | 91773 | null | Consent provided | Web | 2021-09-17 | Closed with explanation | Yes | null | 4,730,800 |
2020-08-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | XXXX XXXX I had a Bankruptcy filing placed on my credit report after my Social security number was comprised and taken over by a completely different social Security number. This was dismissed due to Identity theft. I have asked for this to be removed from all 3 credit bureaus to no avail. In XXXX of 2020, this happened a second time and was again dismissed at the federal level, due to fraud. Please help me to remove this fraudulent information from my credit report as soon as possible. | null | EQUIFAX, INC. | GA | 30344 | null | Consent provided | Web | 2020-08-28 | Closed with explanation | Yes | null | 3,818,568 |
2023-05-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63385 | null | Consent provided | Web | 2023-05-15 | Closed with non-monetary relief | Yes | null | 6,979,470 |
2023-07-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Problem with personal statement of dispute | This was submitted in 2021 and it would not let me dispute it again online as Experian said they stand by their information collected. I would arguably disagree as they are citing they are receiving information verified with the AZ courts. It is clear they do not report to you or any credit bureau for that matter ( see below ) therefore, your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.
The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian. The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus.
Kind regards, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 926XX | Servicemember | Consent provided | Web | 2023-07-29 | Closed with explanation | Yes | null | 7,323,183 |
2023-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account ( account name XXXX XXXX XXXX ) ( account number XXXX ) please investigate and provide proof with statements showing that these payments were late .if proof cant be provided I demand these late payment be updated to on time as they should be as I was never late, Thanks | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95391 | null | Consent provided | Web | 2023-08-10 | Closed with explanation | Yes | null | 7,374,974 |
2022-11-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77338 | null | Consent provided | Web | 2022-11-14 | Closed with non-monetary relief | Yes | null | 6,203,524 |
2019-03-18 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | In XXXX of XXXX I moved out of an apartment ( XXXX XXXX ) ran by XXXX XXXX XXXX XXXX that was shared with me, my wife and child, sister n law and her significant other. We gave notcie to property XXXX XXXX on XX/XX/XXXX that we would be moving out XX/XX/XXXX due to my new job in another city. I asked for the paper to sign stating that we were moving and he said he would bring it by our apartment. 2 months went past and we had a walk through of the apartment with property manager XXXX on XX/XX/XXXX in Which there was absolutely no damage. He then provided me with a notice to move document with no date in which I said i would not sign unless the document was pre dated to the correct date. I DID NOT SIGN the document, gave him back the key to the property and he said he would have the property management company call me in which they never did. My deposit was kept and I was told that I didnt give 30 days notice to vacate and that the notice I gave came on XXXX XXXX in which me and my family were not in the city at the time. The signature on the Notice to Vacate is NOT MINE, nor did I ever sign one. I was later charged {$1300.00} for carpet replacement and unpaid rent. All charges are false and documents are falsified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FAIR COLLECTIONS & OUTSOURCING, INC. | CA | 93535 | null | Consent provided | Web | 2019-03-18 | Closed with explanation | Yes | null | 3,182,668 |
2022-09-19 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | 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/block any account 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 account/item which do not belong to me or were opened without my permission.
XXXXXXXX XXXX XXXXXXXX date Opened : XX/XX/19 Balance : {$140.00} 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. | null | Adler Wallach & Associates, Inc. | CA | 91767 | null | Consent provided | Web | 2022-10-05 | Closed with explanation | Yes | null | 5,995,466 |
2021-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I've noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. Below are the creditors and dates the inquiries were pulled : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX | null | EQUIFAX, INC. | NY | 10462 | null | Consent provided | Web | 2021-05-30 | Closed with explanation | Yes | null | 4,416,692 |
2021-02-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$5500.00} These accounts are involved in litigation and do not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here and was told that I needed to complete an affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93612 | null | Consent provided | Web | 2021-02-18 | Closed with explanation | Yes | null | 4,150,579 |
2022-12-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX 2. there is some inaccurate information reporting.
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
3. there is some inaccurate information reporting.
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account.
4. there is some inaccurate information reporting.
XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Delete this account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CO | 80916 | null | Consent provided | Web | 2022-12-20 | Closed with non-monetary relief | Yes | null | 6,338,317 |
2023-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Identity Theft Report Attached The following accounts and inquiries are fraudulent and the creditor agreed to remove it from my equifax credit report Fraudulent collection account Equifax XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Equifax inquiries XXXX XX/XX/2023 | null | EQUIFAX, INC. | GA | 308XX | null | Consent provided | Web | 2023-04-12 | Closed with explanation | Yes | null | 6,832,075 |
2019-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | What in the world is happening here that my concern was not attended by Equifax!! I am exhausted sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX, XXXX XXXX XXXX | null | EQUIFAX, INC. | KY | 40511 | null | Consent provided | Web | 2019-06-07 | Closed with explanation | Yes | null | 3,267,125 |
2022-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | To Whom It May Concern TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address.
XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33461 | null | Consent provided | Web | 2022-08-02 | Closed with non-monetary relief | Yes | null | 5,834,185 |
2022-12-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I recently sent your agency a dispute document requesting an investigation on inaccuracies appearing on my credit report I received your response and the following inaccuracies remain on my credit report. It is my right to have an accurate credit file and errors like this are detrimental to my financial well being. According to the fair credit reporting act section 607 I am entitled to a complete and accurate credit report the item listed below is not accurate nor correct therefore in violation of my rights under the fair credit reporting act therefore must be removed immediately.
I do not have accounts or debt with the following creditor therefore I am requesting the original purchase agreement with my signature. Also provide documentation that show you are the legal owner of this alleged debt as well as all terms and conditions. If such can not be provided I request IMMEDIATE deletion off my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) # XXXX Also, Upon research the following Debt Collectors are not licensed to even collection in my State which is XXXX ( see attached ) furthermore is a complete violation of my rights and THE LAW. Prompting IMMEDIATELY REMOVAL from my credit profile.
Once again I am notifying you that this item is not reported correct. Section 607 states you must ensure maximum accuracy of the information contained in my report. Please respond promptly. I prefer that we both avoid pursuit of my rights under 15 USC section 1681m and 1681o, which requires your compliance with the law.
Thank You for your time and attention to this matter | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44121 | null | Consent provided | Web | 2022-12-31 | Closed with non-monetary relief | Yes | null | 6,382,893 |
2022-09-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : BANK XXXX XXXX XXXX XXXX XXXX XXXX OF WO XXXX BANK OF XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 28411 | null | Consent provided | Web | 2022-09-20 | Closed with non-monetary relief | Yes | null | 6,001,519 |
2023-06-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | there was installement loan offered to me in which was paid regulary until the local payment center went out of business in my town, name of the company is XXXX XXXX XXXX.
There was no where to pay the billing due to the account being moved to another location in which i was not notified, they sent the account to the CRA 's as charged off, then sent it to collections agency, I wrote the collections agency explaining the issue why the account was sent, due not my error, ( the company closed in my town of XXXX, Tennessee. I offered the collections agency to pay the billing with discounted amount of {$150.00}, with all negative reporting being erased and showing on my credit as ( paid as agreed ) however they sent me letter declined the pay off offer, however when checking my credit a month later, it showed the account was not in the collection any longer, it shows an update as charged off account once again, I reached out to credit bureau and asked if this was updated, they continue to tell me no.
once looking in the law with this, they have re-aged this account, the company sent the account back to the original credit as charge off, due to the collection legally not being able to collect on the debt, Re-aging is illegal, I sent the information of proof showing the accounts were re-aged and credit will not admit this what happened, also i reached out to world finance and they can not seem to find the account. ( this is due to being caught violating with fair credit act, also with them not sending a bill because they could find the account, they can not report to cra 's without being able to notify me of the debt.
I am asking for this debt to be removed due to the violations the company has done to me causing for decrease in my credit, as well as the credit bureau 's to be investigated, I do also have the proof of all this information that i can send ( supporting documents to show you the proof of these errors listed on my credit file.
thanks | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TN | 37064 | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 7,141,656 |
2020-05-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | I was living in XXXX and had XXXX as my home cable/internet provider. In XXXX of 2019 the TV service was not working and the company at the same time increased my monthly charges. I began to contact XXXX weekly to fix the connectivity issue. For over a month XXXX kept saying it was nothing on their end and that I needed to tighten my wires. I finally insisted a repairman come and address the issue even at significant cost if they did not find anything. The repairman came and realized something was wrong but did not immediately fix the issue. We had a total of 3 months of bad TV service and I asked XXXX to credit our account. They finally sent someone in late XXXX to fix the issue and then only credited us a small amount. In the meantime, I removed by automatic payment and did not want them charging the new and higher prices for services that I was not receiving. In XXXX, I attempted to pay the outstanding amount due but there was a block on my credit card from XXXX. I had to call numerous times and only after escalating to a supervisor they let me pay by phone with an ability on their end to override any system issues. In XXXX I tried to pay my bill while getting an understanding of the new charges. I called repeatedly to try and pay and was transferred back and forth between their teams and was told due to a system issue I would be locked out for three months and would have to wait for the system to allow my credit card payment. Separately, I was in the process of terminating my account because they were charging me extra while not providing service and blaming me for the technological issues.
Finally, when the lock on my account was up I paid the remaining balance through the online portal.
However much to my surprise XXXX apparently reported me as delinquent to all the credit reporting agencies for the two months while THEY locked me out of their system.
I initially asked XXXX to look into this and they said the charges were accurate and closed the dispute.
I am now in the process of looking for a mortgage and this collection reduced my score by 150 points. I contacted XXXX to resolve this issue and they stated there is nothing they can do. I further asked if they can advise why they sent me to collections when it was their system that locked me out and preventing me from paying on time and they stated that I would need to hire a lawyer and subpoena the records if I wanted to prove that I was locked out and effectively forced by XXXX to wait and pay. That is an unreasonable and unfair burden for XXXX and the credit bureaus to place on a customer to prove. This feels like I am assumed guilty and now have to depend on the kindness of companies to investigate an issue that materially impacts by future. This most recent call happened on the weekend of XX/XX/XXXX and all subsequent calls have been of no value as XXXX is unwilling to assist or look into this matter.
I had a credit score in the 790 's and now below 675. This is an unfair punishment by XXXX when it was their system that prevented payment and was even advised to until the lockout period was over numerous times by their customer service representatives. This was further retaliated because I terminated service due to a lack of transparency and over charging for services not received.
I am requesting that the CFPB requests these records back to XXXX of XXXX which will confirm my statements here and mandates that XXXX remove this credit delinquency from my credit report with all 3 credit bureaus. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10019 | null | Consent provided | Web | 2020-05-03 | Closed with explanation | Yes | null | 3,634,378 |
2021-02-20 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | We turned in our lease to Volvo of XXXX in the summer of 2020 and to our surprise our final bill included {$210.00} in late fees, however we were never informed during the lease term that our account was being assessed late fees. ( additionally our credit report never showed that we were late during the lease term ) We have spoken with Volvo Car Financial Services a handful of times regarding this dispute, but nothing has been done to address our issues other than erroneously reporting inaccurate ( charge-off was reported ) information to the credit agencies. We explained to Volvo Car Financial Services that we show a correct balance of {$380.00} which we are prepared to pay in exchange for satisfaction of the loan and withdrawal of the charge off and any other negatively reported info previously and or that may be reported in the future. We hope that you may assist us so that we can avoid legal action versus Volvo Car Financial Services and any of there affiliated entities. Thank you in advance! | null | Volvo Car Financial Services U.S., LLC | NC | 28105 | null | Consent provided | Web | 2021-02-20 | Closed with explanation | Yes | null | 4,154,532 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : ONEMAIN # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | OneMain Finance Corporation | TN | 38133 | null | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,045,118 |
2022-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I asked the credit bureau for a verification of everything on my credit report for the account name, XXXX for account number # XXXX on my credit report. They stated everything was accurate. But I did a through research myself and found inaccurate information. Notice that date opened on the credit bureaus are all incorrect.
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 an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 891XX | null | Consent provided | Web | 2022-07-02 | Closed with explanation | Yes | null | 5,726,657 |
2023-07-19 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | Capital One charges me annual fees on a closed credit card and in spite my efforts of having these fees waived since the account is closed they keep on charging me for it. Besides, just today they added a new late fee of {$40.00} to my account and refused to reimburse me. The APR is variable and has gone up five times in the past year. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 75067 | null | Consent provided | Web | 2023-07-19 | Closed with explanation | Yes | null | 7,274,958 |
2021-11-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX account is reporting as a " charge off '' for month after month. According to the FCRA a charge off can not keep reporting month after month. This has been a continued inaccurate reporting by Equifax, with continued violations of my FCRA rights. Please see attched image for the inccurate reporting XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Paid Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : 0 0 High Credit : {$0.00} {$2000.00} Credit Limit : {$2000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Account legally paid in full for less than the full balance.
XXXX*CONSUMER STATEMENT** DELINQUENCY DUE TO EXTENDED UNEMPLOYMENT.
Paid charge off Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two | null | EQUIFAX, INC. | OH | 45236 | Servicemember | Consent provided | Web | 2021-11-27 | Closed with explanation | Yes | null | 4,951,917 |
2020-04-24 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | There was an account opened up with TD Bank online that used my information. There was no identification shown. | null | TD BANK US HOLDING COMPANY | PA | 19038 | null | Consent provided | Web | 2020-04-24 | Closed with explanation | Yes | null | 3,621,781 |
2017-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | there is an account on my credit i do not have any info about and they say i paid 49 percent of the debt by i never paid ever. it keeps refreshing changing hands of collection agencies and the dates and balances are all wrong and they keep going up how by law they can not keep incurring intrest after placed in collections. the company PLAZA Opened XXXX XXXX, 2017 ( 5 mos ) SERVICES Last reported : XXXX XXXX, 2017 I have a bank account and i do not got to check cashing this account was obtain fraudulently | Company believes the complaint is the result of a misunderstanding | BTH Management | CA | 94561 | null | Consent provided | Web | 2017-07-07 | Closed with explanation | Yes | null | 2,563,702 |
2022-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30253 | null | Consent provided | Web | 2022-04-12 | Closed with non-monetary relief | Yes | null | 5,435,583 |
2022-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The Credit bureaus stated that on my account they did a proper investigation but how is that possible if the date opened is inaccurate, the date last active is inaccurate, and date last reported is not accurate and also date of last payment. This ground for removal.
they are continuing to violate my rights and this causing deformation of character because of the inaccuracies on my credit report.
They also violated my rights under : 15 U.S. Code 1681s section 8 ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
They also violated my rights under : 15 U.S. Code 1681i section 5.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
These accounts are : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32807 | null | Consent provided | Web | 2022-07-11 | Closed with non-monetary relief | Yes | null | 5,758,406 |
2017-09-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | this account is not mines it 's belong to some one else please removed it from my credit report XXXX Account Number XXXX Account Type Credit Card Terms Revolving | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10467 | Servicemember | Consent provided | Web | 2017-09-13 | Closed with explanation | Yes | null | 2,671,174 |
2023-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11411 | null | Consent provided | Web | 2023-08-07 | Closed with non-monetary relief | Yes | null | 7,360,941 |
2020-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT WERE NOT MINE AND ACCOUNTS THAT WERE NEVER LATE PLEASE REFER TO THE ATTACHED ID THEFT POLICE REPORT AND DELETE THE BELOW ACCOUNTS UNDER ACCOUNTS TO BE DELETED.
I ALSO NEED THE SINGLE ACCOUNT LISTED TO HAVE THE LATE PAYMENT HISTORY AMENDED TO NEVER LATE I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS.
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED AN INVESTIGATIVE RESULTS REPORT. ALL THE GIVEN DISPUTE LETTERS ARE IN VIOLATION OF THE FCRA DEADLINE DATES TO RESPOND TO A DISPUTE AS OUTLINED UNDER THE FCRA. YOUR FIRM COMMITTED ELEVEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 93551 | null | Consent provided | Web | 2020-05-22 | Closed with explanation | Yes | null | 3,664,679 |
2019-01-15 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | Called company to make a payment they informed me they do not supply receipt of payment until debt is paid in full. XXXX XX/XX/XXXX I called into make a {$550.00} payment the rep told me it had to be set for a payment play and taken out until paid in full. They do not take partial payments nor do they supply receipts of the payment plan. How are you suppose to have proof or track that payments made. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | TX | 75231 | null | Consent provided | Web | 2019-01-16 | Closed with explanation | Yes | null | 3,125,076 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Consider this complaint as my follow-up complaint in line with my previous complaint. This complaint is to notify you to remove these items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/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 | Experian Information Solutions Inc. | CA | 91911 | null | Consent provided | Web | 2023-04-18 | Closed with explanation | Yes | null | 6,848,685 |
2019-05-23 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I'm a resident of XXXX paying my student loans through Nelnet. XXXX is XXXX on the other side of the International Date Line. XXXX our XX/XX/XXXX is XX/XX/XXXX for most of the day stateside. Nelnet advertises that they deduct their payments on the 1st of the month which is true stateside, however on XXXX that translates to the XXXX or XXXX
I had sufficient funds in my account on XX/XX/XXXX, however since their debit attempt for {$470.00} occurred on the XXXX, the transfer was denied and I was hit with a {$25.00} NSF fee.
Nelnet needs to make allowances for clients on the other side of IDL and adjust their practices accordingly. They also need to credit my account for {$25.00} since it was their mistake.
Nelnet denies all responsibility and refuses to adjust their practices so that their debits occur on the XXXX of the month for every customer. | null | Nelnet, Inc. | GU | XXXXX | Servicemember | Consent provided | Web | 2019-05-23 | Closed with explanation | Yes | null | 3,251,602 |
2023-03-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | My name is XXXX XXXX, this complaint is not made in error nor is it being made bya 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 cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... noconsent is fraud. Please delete the account below from my report : XXXX XXXX XXXX Date Opened XX/XX/2022 Balance : {$69.00} | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | CA | 90274 | null | Consent provided | Web | 2023-03-24 | Closed with explanation | Yes | null | 6,746,659 |
2022-09-15 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | We called IQ Data on XX/XX/2022 to dispute the collection of {$920.00} and we ask for a signed original document and they refused to send us one saying that they had already sent one which my husband and I disputed and then they started being verbally abusive and threatening. We tried to explain to them that this was not our debt and they did not want to hear this and again became verbally abusive and threatening. We also noticed that the amount of the debt they claimed we owed continued to increase every 6 days going from {$920.00} to well over {$1000.00}. Thank you for your help with this matter. | null | T.S. Holdings | GA | 30114 | null | Consent provided | Web | 2022-09-15 | Closed with explanation | Yes | null | 5,986,440 |
2017-08-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | Cable bill was obtained fraudulent do n't live at address never have I 've sent FTC affidavit with cpd report with no success | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Convergent Resources, Inc. | IL | 60649 | null | Consent provided | Web | 2017-08-01 | Closed with explanation | Yes | null | 2,591,527 |
2022-11-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Sent XXXX XXXX XXXX and Debt Validation to XXXX and certified mail w/signature was signed and dated for XX/XX/2022, signed by " XXXX XXXX XXXX XXXX Received an email on XX/XX/XXXX from " XXXX XXXX '' advising me of receipt and they will be working on my correspondence within 30 days. On XX/XX/XXXX, sent a reply to XXXX requesting for the reply since it was well over the 30 days. No one replied up until XX/XX/XXXX, from " XXXX XXXX '' requesting I verify information by giving them my XXXX acct number, or social security number, DOB and First and Last Name. Also, I should restate question and concern.
On XX/XX/XXXX, I received a message stating the XXXX account has been closed and the amount has decreased. Still no update from XXXX.
XXXX has destroyed my credit report along with my reputation to gain additional credit since this reporting is derogatory on many levels.
I am demanding this account deleted from all CRAs including but not limited to, XXXX XXXX XXXX, etc. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 27560 | null | Consent provided | Web | 2022-11-09 | Closed with explanation | Yes | null | 6,185,157 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I purchased a home it was set to sale on a foreclosure date.
My home sold before it foreclosured.
The mortgage company XXXX reports it as a foreclosure/repossession.
This is not right, I have tried on several telephone calls to have it removed.
They stated they can report it foreclosured if it went into foreclosure.
Dumb it was not foreclosure. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85283 | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,284,312 |
2021-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts.
Below are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85286 | null | Consent provided | Web | 2021-07-19 | Closed with explanation | Yes | null | 4,554,420 |
2023-03-02 | 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 more than XXXX times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW EQUIFAX AND XXXX AND XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | null | EQUIFAX, INC. | IL | 60645 | null | Consent provided | Web | 2023-03-02 | Closed with explanation | Yes | null | 6,640,151 |
2022-07-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | over the last year I have been disputing the inaccuracies on my credit file. I requested the credit bureaus provide verification for accuracy of a some accounts. They completed their investigation several times and stated the companies stated everything reporting was reporting accurate. I decided to do a thorough research myself and found improper inaccuracies on the report after their investigation. Below are the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX in accordance with the fair credit reporting act these accounts below have violated my consumer rights under 15 U.S.C 1681 sec 623 ( D ) States if information is found to be inaccurate, it must share information with all other consumer reporting agencies 15 U.S.C 1681 sec 602 A. It states I have the right to privacy 15 U.S. C 1681 sec 604 A sec 2. States a consumer reporting agency can not furnish an account without written instruction | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 44134 | null | Consent provided | Web | 2022-07-31 | Closed with non-monetary relief | Yes | null | 5,828,386 |