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2021-05-10 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. | null | CAPITAL ONE FINANCIAL CORPORATION | MA | 02124 | null | Consent provided | Web | 2021-05-10 | Closed with explanation | Yes | null | 4,363,551 |
2018-10-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have disputed the late payment XXXX XXXX XXXX for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home. | null | EQUIFAX, INC. | AP | XXXXX | null | Consent provided | Web | 2018-10-28 | Closed with explanation | Yes | null | 3,058,536 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | on XXXX I paid off 2 Collections from : National Credit Adjusters po box XXXX - XXXX XXXX XXXX XXXX.
XXXX, KS XXXX XXXX XXXX : XXXX Fax : XXXX They informed that they would delete this 2 collections from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part.
XXXX XXXX : XXXX Account XXXX : XXXX NCAAcct. No : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Account No : XXXX NCAAcct. No : XXXX | null | National Credit Adjusters, LLC | TX | 77429 | null | Consent provided | Web | 2022-04-27 | Closed with explanation | Yes | null | 5,504,110 |
2020-02-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Im trying to reach out back about from when I got denied for my apartment and saw several items on my credit that was not mine. I still see some of the same items on there. Please remove from my creditXXXX and these inquiries XXXX XXXX/XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have contacted the FTC and local police. | null | EQUIFAX, INC. | IL | 60527 | null | Consent provided | Web | 2020-02-28 | Closed with explanation | Yes | null | 3,548,398 |
2022-12-27 | 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 | I reviewed my Consumer Reports and noticed that I had late payments 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 : XXXX XXXX Balance : {$7900.00} | null | EQUIFAX, INC. | CA | 93610 | null | Consent provided | Web | 2022-12-27 | Closed with explanation | Yes | null | 6,361,772 |
2015-12-15 | Debt collection | Credit card | Taking/threatening an illegal action | Threatened to sue on too old debt | They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. Gemini Capital Group, LLC and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers. | Company believes it acted appropriately as authorized by contract or law | GEMINI CAPITAL GROUP, LLC | CO | 80112 | null | Consent provided | Web | 2015-12-17 | Closed with explanation | Yes | Yes | 1,697,178 |
2019-12-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | In the month of XXXX I spoke to a representative from XXXX XXXX. I explained to them I wanted to close the account. Concluding that conversation, I expected the account to be closed. The third week of XXXX I am looking over my credit report and notice a late payment for the month of XXXX from XXXX XXXX. I immediately contacted them and they stated that they have no record of me calling to close the account. I disputed the information with Experian and XXXX XXXX refused to right their wrong. This company targets people trying to build credit. The customer service is horrible, that is why I wanted the account closed. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33852 | Servicemember | Consent provided | Web | 2019-12-24 | Closed with explanation | Yes | null | 3,476,810 |
2018-02-22 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | In the very end of XX/XX/XXXX into XX/XX/XXXX I switched two lines from XXXX to XXXX. I went through the buy out program of XXXX where they will pay up to XXXX dollars per line that switches to them off the final bill from the previous phone company. The only things I needed to do was to turn in my old XXXX phones and obtain those receipts from XXXX and then once XXXX made the final bill, take that online and plug in the info for the buy back. Over the next two months I went in to multiple debates with XXXX both in person and over the phone over this bill. XXXX initially kept telling me that the bill was not yet available and to wait till the next billing cycle and then when it would come I would receive the same answers. XXXX had also locked me out of my own account months prior to switching to XXXX and would not allow me to see my bill break downs and would only accept money for bills. I spent hours and hours on multiple phone called with XXXX both before switching and after attempting to get access and they were almost entirely of no help. No matter how many people I talked to on the phone, they for some reason were unable to give me access to my own phone account so I could see why and where my charges were coming from. Fast forward a couple months after switching to XXXX and attempting to get the final bill with no luck and suddenly I receive a notification in the mail that I was sent to collections by XXXX for not paying my final bill. This is the bill they refused to give me and that I now apparently owed something close to XXXX dollars. I obviously immediately contacted XXXX and learned that not only had they sent me directly to collections without sending me the final bill but they also had only ever switched over one phone account and still had the other account still open obviously unused for many months and racked up with fees and charges for not paying it. I am still in dispute over this with them and this just adds to the already large issue of them throwing me into collections. | null | ORG GC GP Buyer, LLC | CA | 92107 | Servicemember | Consent provided | Web | 2018-02-22 | Closed with explanation | Yes | null | 2,822,629 |
2020-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. See attached for the police report filed for these fraudulent accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30328 | null | Consent provided | Web | 2020-06-06 | Closed with explanation | Yes | null | 3,685,945 |
2023-04-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Dear, Consumer Financial Protection Bureau, I am writing to dispute two late payment entries on my credit report that were reported by Capitol One Bank, XXXX. The account in question is a credit card account that I have held since XX/XX/XXXX. I have disputed this with Capital One but XXXX did not take it off my credit report. These late payments were not intentional and were a result of unforeseen circumstances that occurred during that time. I have never missed a payment on this account, but due to financial hardship, two payments were made late. As you may be aware, the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act was passed in XXXX of XXXX to provide financial relief to individuals and businesses affected by the pandemic. The CARES Act included provisions that allowed borrowers to request forbearance on certain types of loans, including credit card accounts, for up to six months. I was unaware of this option at the time and therefore did not request forbearance for my Capital One account. Furthermore, the negative impact that these late payments are having on my XXXX credit report is causing additional financial hardship as it is impacting my ability to obtain credit at favorable terms. This is particularly concerning as I am now in a better financial position. I have now stabilized and have been making timely payments since then. I am therefore requesting that you remove these late payment entries from my credit, as they are not a true representation of my creditworthiness. I would like to bring to your attention that during my XXXX XXXX with the XXXX, I was a member of the Servicemembers Civil Relief Act ( SCRA ) with Capitol One. Throughout my time of service, Capitol One was very supportive of my military commitments, and they extended their support to me during my financial hardships and always applied my benefits to me so that I was able to maintain a credit history. Although I am now a XXXX XXXX XXXXXXXX veteran, I still appreciate what they have done for me in the past. I would like to request that Capital One remove the two late payments from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies and furnishers of credit information report accurate and complete information. If the consumer did not provide written consent to Capital One Bank to report to the credit bureaus, they may have grounds to dispute the accuracy of the information being reported on their credit report, and request that Capital One Bank remove any negative information that was reported without their consent. I would also like to request that you confirm the removal of these late payments in writing and provide me with a copy of my updated credit report. Thank you for your time and attention to this matter. I look forward to hearing back from you.
Sincerely, Consumer | null | CAPITAL ONE FINANCIAL CORPORATION | GA | 30127 | Servicemember | Consent provided | Web | 2023-04-22 | Closed with non-monetary relief | Yes | null | 6,876,783 |
2023-09-01 | Credit reporting or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | I check my credit religiously meaning daily. My Experian credit score dropped XXXX points on XX/XX/2023 when there were NO changes to my credit report. IT'LL USUALLY TELL YOU THE CHANGES THIS TIME THERE WE'RE NONE. When I say NO changes I mean NOT ONE. No added credit nothing was deleted my balances didn't decrease OR increase. No inquiries in over a year absolutely nothing happened. I think your system is glitching. I need you to restore my points ASAP.
I spoke to XXXX on XX/XX/2023 who verified there were NO changes to my account he also spoke w a Supervisor neither of them could figure out why my score just dropped XXXX points when nothing was even reported. He created a case and assured me on the call that my points would be restored. Experian case # XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | XXXXX | null | Consent provided | Web | 2023-09-01 | Closed with explanation | Yes | null | 7,488,502 |
2023-02-24 | 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 filing a complaint because the debt from XXXX XXXX XXXX XXXX ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77099 | null | Consent provided | Web | 2023-02-24 | Closed with non-monetary relief | Yes | null | 6,612,776 |
2023-03-10 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I XXXX XXXX opened an account with capital one 360 checking account, I made some deposits from my XXXX XXXX accounts to pay my rent, capital one froze my account with no prior notification and now I can't make any withdrawals from my account, my rent is still due and I'm near eviction. I am requesting capital one to close my accounts and send me a check of my available balance to the address on file, | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 125XX | null | Consent provided | Web | 2023-03-10 | Closed with explanation | Yes | null | 6,678,913 |
2022-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX account # XXXX, and XXXX # XXXX.
15 U.S. Code 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. | MA | 02780 | null | Consent provided | Web | 2022-05-18 | Closed with non-monetary relief | Yes | null | 5,577,827 |
2023-07-15 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Card opened as result of identity theft or fraud | Close the account and remove the fees associated with an account I never used. | null | Genesis FS Card Services, Inc. | WA | 98002 | null | Consent provided | Web | 2023-07-15 | Closed with explanation | Yes | null | 7,256,412 |
2021-04-19 | Checking or savings account | Other banking product or service | Closing an account | Can't close your account | Several years ago, my identity was stolen and used to open up a credit card account with PenFed Credit Union. At the time, I was contacted by PenFed and I told them not to open the account, but they opened it anyway and allowed the fraud perpetrator to transfer a credit debt. PenFed has acknowledged that it was at fault. My problem is that despite numerous efforts to get PenFed to close the account, and assertions from PenFed that the account has been closed, I continue to get statements from PenFed regarding this account that has no money in it and that I never wanted in the first place. Most recently, I received a statement on or about XX/XX/2021. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | MA | 010XX | null | Consent provided | Web | 2021-04-19 | Closed with non-monetary relief | Yes | null | 4,308,778 |
2020-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | taking more than 30 days | null | EQUIFAX, INC. | TX | 77449 | null | Consent provided | Web | 2020-04-12 | Closed with explanation | Yes | null | 3,603,191 |
2023-07-21 | 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 Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 770XX | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,279,416 |
2020-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | THE XXXX XXXX XXXX XXXX IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20878 | null | Consent provided | Web | 2020-04-06 | Closed with explanation | Yes | null | 3,595,034 |
2016-02-21 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | I keep getting letters from Midland Credit Management for debts that ARE NOT mine. How do I get them to stop harassing me? | null | ENCORE CAPITAL GROUP INC. | PA | 19067 | Older American | Consent provided | Web | 2016-02-21 | Closed with non-monetary relief | Yes | No | 1,796,608 |
2021-08-21 | Checking or savings account | Other banking product or service | Problem caused by your funds being low | Non-sufficient funds and associated fees | Enter Bank of America in XXXX Illinois and later the same day in another location near. I had to wire XXXX K to my business account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Next, I was told the funds where put on hold even though they are available due to Manager XXXX discretion. Arbitrary and cruel since I needed the funds ASAP to close on a real estate transaction and prevent from being in breach of contract. Manager claimed she could use desecration to block my wire transaction. Next, I traveled to another Bank of America and the same thing happened. Mystified I said to the Manager that I would hold her liable if she caused me to be in breach of contract. The manager of the first and second bank was aware of the escrow company because it was local. All this time, I was on hold with online customer service trying to remedy the problem. Then a nice junior customer service woman helped me process the wire online. After, I walked in and told the manager that someone covered for her. She did not want to return my identification and was rude. She continued her rude and disrespectful tone with me saying she could not help me even though I had already processed the wire.
Currently, one of the managers placed a XXXX dollar hold on my account. This is harassment beyond reasonable doubt. Even seems they tried to provoke me at time. I was speaking in a low tone and the manager says lower my voice in a condescending manner. The whole affair felt a another XXXX attack. Even still I closed the real estate transaction that Friday overcoming the harassment and blatantly XXXX XXXX managers. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92551 | Servicemember | Consent provided | Web | 2021-08-21 | Closed with explanation | Yes | null | 4,651,738 |
2022-12-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help. | null | EQUIFAX, INC. | IL | 60608 | null | Consent provided | Web | 2022-12-12 | Closed with explanation | Yes | null | 6,312,750 |
2018-02-19 | 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 | On XX/XX/ 2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX | null | PRESTIGE FINANCIAL SERVICES INC | PA | 19134 | null | Consent provided | Web | 2018-02-19 | Closed with explanation | Yes | null | 2,818,283 |
2019-09-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I been receiving harassing and threatening telephone calls of profane, vulgar and abusive language, threats of job loss, garnishment of wages, being sent to jail and prison, threats of violence and death from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX Debt Collection Representatives regarding fraudulent accounts that are not my accounts and do not belong to me. The accounts with the above creditors are all fraudulent accounts and not my accounts. Its extremely disturbing, repulsive and frightening that I am receiving death threats for accounts that are fraudulent and are not my accounts.This is a major violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal and State laws. The above creditors are in serious violation of the Fair Debt Collection Practices Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85202 | Servicemember | Consent provided | Web | 2019-09-20 | Closed with non-monetary relief | Yes | null | 3,381,430 |
2023-01-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I submitted a letter to XXXX and TransUnion Credit Bureaus on XX/XX/2022, to update this misleading account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again.
XXXX XXXX XXXX Balance : {$10000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93230 | null | Consent provided | Web | 2023-01-03 | Closed with non-monetary relief | Yes | null | 6,392,301 |
2017-11-26 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | Citibank has not resolved my issue with ( 2 ) {$1600.00} charges to my card. The charges were made on XXXX XXXX, 2017. Citibank has investigated the matter and has said that I am not responsible for the charges. Since then there have been ( 4 ) more debits and ( 5 ) credits in the amount of {$1600.00} each leaving me with ( 1 ) {$1600.00} charge that all parties agreed I did n't make. There are also charges of {$110.00} on XX/XX/XXXX and {$120.00} on XX/XX/XXXX both of which Citibank has not investigated. I first started communicating with Citibank on XX/XX/XXXX when I first noticed the charges. I have been calling their fraud department on about a weekly basis and finally sent a secured email where I got a response that my account was correct. I have since run a full account review of my card that I have had only since XX/XX/XXXX of 2017 and found that even with the incorrect charges on my account the balance Citibank says that I owe is incorrect. I have also found ( 1 ) instance where Citibank credited me an extra {$39.00} as part of a fraud charge. Right now my card balance and transaction history is a joke. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CO | 80111 | null | Consent provided | Web | 2017-12-14 | Closed with monetary relief | Yes | null | 2,738,141 |
2021-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | To Whom It May Concern : I'm filing a complaint against Equifax because on XX/XX/XXXX, I disputed 3 fraudulent inquiries that were on my credit report. The 3 inquiries were for the following companies : XXXX. XXXX / XXXX on XX/XX/XXXX 2. XXXX XXXX / XXXX on XX/XX/XXXX 3. XXXX - XXXX XXXX on XX/XX/XXXX. XXXX / XXXX and XXXX - XXXX were deleted, but the XXXX XXXX inquiry remains.
On XX/XX/XXXX, Equifax sent me a confirmation letter, with confirmation number XXXX, stating that all 3 disputed inquiries were deleted from my credit report. However, it's been nearly 4 months, and Equifax has NOT deleted the fraudulent inquiry from XXXX XXXX. I called them several times asking why the inquiry hasn't been deleted, and I'm always told to give it 30+ days for it to come off, as it shows in their system as being off of my report. The last time I called Equifax about this issue was on XX/XX/XXXX, and spoke with a representative who assured me that, this time, the inquiry would be removed, for sure, and gave me the confirmation number : XXXX. However, it's been 35 days and this inquiry still remains on my credit report.
I want this fraudulent inquiry to be removed from my credit report, immediately! | null | EQUIFAX, INC. | IL | 60504 | null | Consent provided | Web | 2021-07-10 | Closed with explanation | Yes | null | 4,530,206 |
2018-11-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have disputed the late payments on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX reported duplicate on my credit report ), XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX, and XXXX/XXXX XXXX, accounts with the credit bureau. I requested for investigation procure which they did but did not get a response..Not only that, they refused to reverse the late payments. They will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | HI | XXXXX | null | Consent provided | Web | 2018-11-08 | Closed with explanation | Yes | null | 3,069,087 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | There is information from XXXX XXXX ( XX/XX/2023 ) on my credit report that I am not responsible for. This was something that I did not authorize and have no knowledge of. Furthermore, 15 USC section 602 A. States I have the right to privacy. 15 USC 1681 section 604 section 2. States that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681b Permissible Purpose of Consumer reports, I never gave this institution written consent to pull my credit report. 15 usc section 1681 s-2 Block of information resulting from identity theft. I asked Trans Union to remove this information from XXXX XXXX immediately.
*I have attached a copy of my ID *Social security card *Identity Theft Report ( XXXX ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30291 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,954,773 |
2022-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | collection agency : FMS INC is a fraudulent account that is reporting on my XXXX credit report.
Collection amount : {$150.00} assigned XXXX statue date XX/XX/22 | null | FMS Inc. | ID | 83301 | null | Consent provided | Web | 2022-05-13 | Closed with explanation | Yes | null | 5,554,442 |
2020-12-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XX/XX/XXXX late payment report is incorrect, called creditor and spoke with a representative, I was told to dispute the late payment and that they would correct the issue with all 3 credit bureaus.
XX/XX/XXXX - Followed up with XXXX XXXX ( creditor ) and was told the same information by a representative. | null | EQUIFAX, INC. | MN | 551XX | null | Consent provided | Web | 2020-12-04 | Closed with explanation | Yes | null | 3,991,585 |
2023-01-11 | 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 disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30265 | null | Consent provided | Web | 2023-01-11 | Closed with non-monetary relief | Yes | null | 6,420,027 |
2018-08-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/2018, I disputed an account with XXXX XXXX XXXX that is on all of my credit reports. XXXX ( XXXX XXXX days later, XXXX XXXX authored a letter in response to my dispute, which they received and stamped received XX/XX/2018.
XXXXXXXX XXXX dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. XXXX XXXX also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business.
On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed.
I am also including a copy of my credit reports showing that the account is still listed as my account.
On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements.
The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies.
I am providing evidence to corroborate my statement that XXXX XXXX XXXX has violated the FCRA and FCRB and did not provide me within the XXXX- ( XXXX ) day time frame as required. | null | EQUIFAX, INC. | FL | 32259 | null | Consent provided | Web | 2018-08-29 | Closed with non-monetary relief | Yes | null | 3,004,740 |
2022-08-24 | 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 | All inquiries from XX/XX/XXXX and XX/XX/XXXX from both XXXX and TransUnion I disputed several times with both that they were unauthorized | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30034 | null | Consent provided | Web | 2022-08-24 | Closed with non-monetary relief | Yes | null | 5,914,205 |
2023-08-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I was looking to purchase a home and noticed multiple inaccuracies on my credit report, including fraudulent inquiries, accounts and addresses. I contacted XXXX, XXXX and Experian but they did not respond, nor correct all inaccurate information. I have called them and sent them dispute letters over a month ago. In pursuant to 15 U.S. Code 1681 they are defaming my character and now willfully continuing to report false information.
The following addresses are inaccurate- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | MI | 48439 | null | Consent provided | Web | 2023-08-03 | Closed with explanation | Yes | null | 7,343,789 |
2017-12-30 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | On my recent credit report, Barclays Bank Delaware has a charge off in the amount of {$360.00}. I did n't receive a notice about it and do n't remember owing them anything. When I attempted to call, XXXX, I was told the account was not with them and given another number which is XXXX XXXX and XXXX. However, I called them on two separate occassions and was told they only handle XXXX people 's accounts, this has been a problem with Barclays, and was provided another number, XXXX. At this number, I was told they do n't handle the account and was given another number, XXXX, which no one answers the phone. I am attempting to get a mortgage to purchase a home and this is the only negative item on my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NJ | XXXXX | null | Consent provided | Web | 2017-12-30 | Closed with explanation | Yes | null | 2,768,269 |
2020-04-03 | Checking or savings account | Checking account | Problem caused by your funds being low | Overdrafts and overdraft fees | Chase has not suspended overdraft fees during the Coronavirus pandemic. Anytime I'm able to get a small deposit in my account, they wind up going just to cover overdraft fees. They've also purposely structured transactions to result in more fees. At a time when my income has been cut by half, Chase continues to charge overdraft fees. Even worse, they will not respond to me. I've been on hold several times for up to three hours to discuss this with them only to have the call disconnected. I've contacted them through their secure message center and I've contacted them through social media. It's unbelievable the way that they're treating people at a time like this. I need them to do the right thing and stop taking advantage of us during a pandemic. | null | JPMORGAN CHASE & CO. | CO | 80917 | null | Consent provided | Web | 2020-04-03 | Closed with monetary relief | Yes | null | 3,591,392 |
2021-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I already reached out to Equifax for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report.
Inaccurate Addresses : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, VA XXXX | null | EQUIFAX, INC. | VA | 24540 | null | Consent provided | Web | 2021-08-14 | Closed with explanation | Yes | null | 4,631,741 |
2022-09-23 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | I earned enough points through my XXXX XXXX XXXX XXXX XXXX that were redeemed for XXXX {$25.00} XXXX XXXX XXXX gift cards, amounting to {$100.00} total in rewards. Their website has been broken for a full month now, which prevents customers from accessing those gift cards. Whenever the verification Securpass code comes into play, an error message pops up that prevents you from accessing the gift cards. I have reached out to their customer service three times now, and they have pushed me off every single time. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | NY | 109XX | null | Consent provided | Web | 2022-09-23 | Closed with explanation | Yes | null | 6,012,842 |
2018-05-28 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I was contacted on or about XX/XX/2018, by XXXX XXXX XXXX XXXX, for a debt with XXXX stores. I paid it immediately with them. I asked how I am turned to collection, when I never received a mailed bill, e mailed bill or call from XXXX. The agent from XXXX XXXX noted, for some reason, there was a block on my account, which may explain lack of billing I am very conscious of my credit rating, and am never late with a payment. This has trashed my credit from XXXX down to XXXX. I was looking to apply for a mortgage, and now can not, due to this. I have e mailed XXXX but gotten no reply. I can not call, because when i do, it goes direct to " contact XXXX XXXX regarding your account '' I feel sending me to collection, over a bill I did not get, is a violation.
I appreciate anything you can do to help. | null | TD BANK US HOLDING COMPANY | CT | 06516 | null | Consent provided | Web | 2018-05-28 | Closed with explanation | Yes | null | 2,919,581 |
2018-02-07 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Threatened to arrest you or take you to jail if you do not pay | This is from years ago, when I really need the money. It was only about XXXX dollars. Now they want to settle with over XXXX dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX. Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails. | null | Rocky Mountain Recovery Group | OH | 44121 | null | Consent provided | Web | 2018-02-07 | Untimely response | No | null | 2,807,532 |
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 | I just recently checked my credit report and noticed that I did not authorize anyone employed by these companies to make an inquiry and view my credit report. In addition, I did NOT give EXPERIAN permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. Last but not least I have no contract with EXPERIAN this is a privity of contract. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | DC | 20016 | null | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,047,269 |
2022-12-28 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Application denied | XXXX XX/XX/2022 Story regarding the institution named below, WELLS FARGO Wells Fargo Letter dated XX/XX/2022 Application # XXXX Identity can't be verified letter dated XX/XX/2022 Application # XXXX Identity can't be verified Documents faxed as requested to XXXX Successful delivered at XXXX EDT on XX/XX/2022 See Attached Fax sent to XXXX ( Wells Fargo ) on XX/XX/2022 asking status and documents, passport, utility bills ( XXXX XXXX XXXX XXXX sent again.
Filed complaint to CFPB on XX/XX/2022, # XXXX CFPB confirmed sending copy of complaint to Wells Fargo XXXX
Fax Again Real-time Fax Status Real-time Fax Status : Successfully Sent Fax Info Date : XX/XX/2022 XXXX XXXX PST Receiver Name : Wells Fargo Visa Receiver Company XXXX Wells Fargo Receiver Fax XXXX XXXX XXXX Subject : XXXX Page Count : XXXX ( including cover page ) Letter from Wells Fargo XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Subject : Were responding to your concerns Case number : XXXX Application number ending in : XXXX Consumer Financial Protection Bureau, case number : XXXX SIGNED BY : XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Wells Fargo makes another enquiry to XXXX on me, XXXX XXXX.
See attached Letter from : Wells Fargo Letter dated XX/XX/2022 Application ( now ) # XXXX Identity can't be verified See attached | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | CT | 06877 | Older American | Consent provided | Web | 2022-12-28 | Closed with explanation | Yes | null | 6,371,075 |
2019-10-02 | 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 reviewed my credit report & see this company ran my credit without my authorization! Ive never heard of this company! Nor did I authorize or apply for anything with them! | null | Bread Financial Holdings, Inc. | FL | 32738 | null | Consent provided | Web | 2019-10-02 | Closed with explanation | Yes | null | 3,392,817 |
2021-02-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the Federal Trade Commission and Better Business Bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP, I will not wait another 47 days to receive no response because clearly Im being ignored. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. Section 611 ( a ), plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been 47 days so they should be deleted promptly. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20910 | null | Consent provided | Web | 2021-02-14 | Closed with explanation | Yes | null | 4,138,734 |
2022-12-17 | 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 fair credit reporting act. the list of accounts shown below have violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 XXXX account has violated my rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 1681section602a states i have a right to privacy.15 usc1681 section604a section2 it also states a consumer reporting agency can not furnish account without my written instructions, and i did not give written consent.15 usc 1681c ( a ) ( 5 ) 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 crime which antedates the report by more than 7 years.
15 usc 1681s-2 ( a ) 1 ( a ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX experian XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 561XX | Servicemember | Consent provided | Web | 2022-12-17 | Closed with explanation | Yes | null | 6,330,770 |
2019-05-24 | 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 | i disputed a collection that is not valid and is duplicated on my credit report on XX/XX/2019, the collection is listed as XXXX XXXX and for {$310.00} on both listings. Transunion sent back verified as accurate but did not give me proof of these account reporting as accurate. No files were sent showing that this collection belongs to me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 91737 | null | Consent provided | Web | 2019-05-24 | Closed with explanation | Yes | null | 3,252,839 |
2017-05-16 | Debt collection | Medical debt | Written notification about debt | Didn't receive notice of right to dispute | Commonwealth Financial ha s placed a collection on my XXXX credit report on XXXX 2017 for {$240.00} without sending me written notification to validate the alleged debt. | null | Commonwealth Financial Systems, Inc. | MD | 20653 | Servicemember | Consent provided | Web | 2017-05-16 | Closed with explanation | Yes | null | 2,485,261 |
2021-04-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately. | null | EQUIFAX, INC. | CA | 92236 | null | Consent provided | Web | 2021-04-23 | Closed with explanation | Yes | null | 4,324,833 |
2023-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I implore you to take action and remove these fraudulent accounts from my credit report immediately. | 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 | 2023-06-06 | Closed with non-monetary relief | Yes | null | 7,080,903 |
2021-07-11 | Mortgage | Conventional home mortgage | Incorrect information on your report | Account status incorrect | I closed on a loan with LoanCare XX/XX/XXXX but they continued to report to the credit bureaus that payments were late and the account was over 150 days delinquent. Incorrectly reported information for XX/XX/XXXX through XX/XX/XXXX. The account was paid in full from the sell of the property XX/XX/XXXX. I have attempted to contact the lender at the phone number reported on the credit bureaus however they say theres no record of an account with me in their system. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LoanCare, LLC | FL | 33525 | null | Consent provided | Web | 2021-07-11 | Closed with explanation | Yes | null | 4,532,146 |
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 | I have never made transaction to these companies nor applied for credit. They are fraudulently reporting on my credit report. I filed FTC report with report number XXXX and now requesting CFPB to investigate as well. | null | EQUIFAX, INC. | NY | 121XX | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 7,147,738 |
2019-07-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have never had a deals with with these company and never opened them. Somebody stolen my personal information. ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33026 | null | Consent provided | Web | 2019-07-30 | Closed with non-monetary relief | Yes | null | 3,323,378 |
2023-06-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. | null | EQUIFAX, INC. | FL | 33166 | null | Consent provided | Web | 2023-06-19 | Closed with explanation | Yes | null | 7,134,735 |
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 | There are items that are reporting that does not belong to me. Please remove the following items : XXXX XXXX XXXX - Date Opened XX/XX/2017 Incorrect Address : XXXX XXXX XXXX ( XXXX and Experian ) Incorrect Address : 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. | GA | 303XX | null | Consent provided | Web | 2020-05-22 | Closed with non-monetary relief | Yes | null | 3,664,138 |
2017-12-17 | 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 | On two occasions, within a span of 2-3 days, my credit was used to try and finance a vehicle. I had no knowledge of it and did not authorize these inquiries. I contacted each one of them by phone and they refuse to help me. | null | CAPITAL ONE FINANCIAL CORPORATION | WV | 25801 | null | Consent provided | Web | 2017-12-17 | Closed with explanation | Yes | null | 2,757,416 |
2022-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | These inquires are not recognized. Have sent in several different request stating these were not authorized. Some inquiries are showing up multiple times on report These are the unauthorized inquiries : 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. | VA | 22405 | Servicemember | Consent provided | Web | 2022-05-22 | Closed with explanation | Yes | null | 5,589,909 |
2021-09-06 | Checking or savings account | Checking account | Closing an account | Funds not received from closed account | In XXXX of 2021 Chase bank closed my accounts, there was close to XXXX between both accounts. I have tried calling them multiple times to find out when I will be receiving my money from them, they keep giving me the go around and saying they are doing an investigation on them. | null | JPMORGAN CHASE & CO. | OR | 974XX | null | Consent provided | Web | 2021-09-06 | Closed with explanation | Yes | null | 4,696,794 |
2023-02-24 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | Received an information XXXX and written questionnaire dated XX/XX/2023 on XX/XX/2023.
Today XX/XX/2023 money was withdrawn by XXXX XXXX XXXX XXXX from my XXXX year old daughters checking and savings account.
1. Not even 10 days to return the questionnaire.
2. All money in my daughters account was from her part time job. None of that money was mine. I have a checking and savings account. | null | Resurgent Capital Services L.P. | NJ | 08618 | null | Consent provided | Web | 2023-02-24 | Closed with explanation | Yes | null | 6,606,185 |
2022-05-19 | 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 ASST # 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. They have also illegally re-aged my debt. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32303 | null | Consent provided | Web | 2022-05-19 | Closed with non-monetary relief | Yes | null | 5,582,029 |
2019-10-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | TransUnion is reporting the following items inaccurately ( see enclosed ). This violates the FCRA. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94565 | null | Consent provided | Web | 2019-10-29 | Closed with explanation | Yes | null | 3,421,047 |
2017-09-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | please find attached the creditor letters for which they have approved to remove the inaccurate late marks from my credit, please help me to have XXXX remove these negative marks remove as well, the other XXXX bureaus have already removed except experian, i have tries to upload these letters to XXXX but they are not willing to remove, even though the creditor has removed all the negatives please help me to remove from XXXX thank you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 91505 | null | Consent provided | Web | 2017-09-27 | Closed with explanation | Yes | null | 2,686,379 |
2021-11-12 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | The creditor company was under LVNV funding And now resurgent capitol. This debt was included in my bankruptcy and it was charged off. This business came back as resurgent capitol and has put this negative on my credit.
I paid them {$330.00} and they said they would remove it from my credit. It still on my credit which should have been discharged and I should have never paid something. | null | Resurgent Capital Services L.P. | CA | 90640 | null | Consent provided | Web | 2021-11-12 | Closed with explanation | Yes | null | 4,906,634 |
2017-03-24 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim that I owe XXXX {$82.00}. This is a formal notice that your claim is again disputed.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : I do n't have a contract with you, nor have I ever signed anything to XXXX stating I had an agreement with you and owed any monies to XXXX.
Please be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter.
The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws.
I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself.
My contact information is as follows : XXXX XXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau | null | Advanced Collection Services, LTD | TX | 77546 | null | Consent provided | Web | 2017-03-24 | Untimely response | No | No | 2,403,183 |
2023-02-14 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | My former apartment complex, The XXXX, sent me my move out statement that showed I didn't owe them anything after my move out on XX/XX/2022. I was also told by the office that if I should owe a balance they would allow me 30 days to pay the amount owed before sending to collections. Less than two weeks after the initial statement showing nothing was owed to them, I was sent to collections for an amount over {$500.00} and was not notified until my new apartment complex manager let me know that my previous apartment complex had just called her to try and keep me from getting an apartment at my new complex claiming I owed them money despite the statement I had from them showing I didn't. Then a few days later I received a collection letter from PCI ( ProCollect ) stating I had been reported for debt collection and that I could dispute or ask for validation of the debt. On XX/XX/2022 I went to the ProCollect website and completed their contact us form with my reference number provided in the letter and I disputed the debt and asked to be contacted. I never heard back from ProCollect despite my attempt to establish contact to discuss the collection attempt so I could provide my documentation and the slander that was attempted by the apartment manager in trying to keep me from getting a new apartment for me and my XXXX children as a single mom that was not notified and given false information by my former apartment management. I receive several calls from them but they never respond when I answer the phone and instead the call disconnects. They are reporting to my credit report and it doesn't seem right considering I had made attempt to dispute the debt and reach a resolution with ProCollect. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ProCollect, Inc. | TX | 79924 | null | Consent provided | Web | 2023-02-14 | Closed with explanation | Yes | null | 6,571,513 |
2017-12-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | Someone tried to obtain a credit card from PayPal through XXXX.I never applied nor would I.Iwrote a letter to PayPal to send a letter of Deletion to XXXX but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from PayPal. I contacted the bank and they said it was not their responsibility to resolve PayPal disputes.XXXX was very hard to reach and said they could not help me without The Letter of Deletion from PayPal The date I was first aware of the fraud was XX/XX/XXXX,2017. | null | Bread Financial Holdings, Inc. | FL | 34691 | Older American | Consent provided | Web | 2017-12-21 | Closed with explanation | Yes | null | 2,762,212 |
2017-05-27 | 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 would like you to investigate and REMOVE the illegal and unapproved " Hard Inquiry '' on my credit report by the XXXX XXXX XXXX on XXXX XXXX XXXX . They ( XXXX XXXX XXXX XXXX NEVER informed me that a hard hit would take place. To add insult to injury, after repeated back and forth conversations with XXXX XXXX XXXX management, the y keep insisting that " customers are not told that their card would be getting a HARD credit inquiry hit as the customer should " Assume '' that a " Hard Inquiry '' would take place. Really? Who in their right mind would say YES to a hard inquiry ( similar to the level of buying a house or a car ) stuck on your credit for 3 years for a {$100.00} credit increase? This has to be a JOKE! XXXX XXXX has now damaged my credit score a nd now I have to wait before proceeding with my mortgage application until this ILLEGAL mark on my credit report in permanently removed. This NEGATIVE mark and ILLEGAL and UNAPPROVED act by the XXXX XXXX must be addressed as the rep on the phone on XXXX XXXX XXXX , XXXX XXXX XXXX ( and several times there after ) informed me that it 's common practice to pull this sort of nonsense on innocent, unadvised and uninformed customers such as me. Never has any other credit card company in my XXXX years ever hit my credit with a HARD inquiry for a simple, few hundred dollar credit increase request. If they were going to do so, they would inform me fully before proceeding. Instead, as the management at XXXX XXXX XXXX repeatedly told me, it is NOT their responsibility to inform the customer if they are going to pull a soft or HARD credit inquiry. Very disturbing, to say the least, when a customer is last to know and will only find out by default via your credit bureau credit report mont h ( if not years ) down the road . So, as in my case, XXXX hard inquiries were done on my card by XXXX XXXX XXXX within a 2 months window. What did I do, buy a house or a car from them? NO, I just simply asked if it was possible to get a couple hundred dollar credit line increase. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27707 | null | Consent provided | Web | 2017-05-27 | Closed with explanation | Yes | null | 2,495,676 |
2023-05-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | NC | 28376 | null | Consent provided | Web | 2023-05-23 | Closed with explanation | Yes | null | 7,008,833 |
2023-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. | null | EQUIFAX, INC. | FL | 33055 | null | Consent provided | Web | 2023-07-19 | Closed with non-monetary relief | Yes | null | 7,268,104 |
2022-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | In XX/XX/2022, several letters were mailed to XXXX regarding alleged accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and two unknown and unverifiable collection accounts. Accompanied with those letters were the complaints filed with the CFPB. XXXX responded to me and to the CFPB that the accounts were verified as accurate and reporting to the regulations of the FCRA. In XX/XX/2022, I spoke with XXXX and Transunion about fraudulent information being reported with accounts from XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. After verifying and DELETING the accounts, to be in compliance with the FCRA section 623 ( b ) ( 1 ) ( D ) Transunion and XXXX were both supposed to report their findings to XXXX. To ensure that all companies are reporting accurately, I fulfilled my due diligence by reaching out to XXXX myself to report the updated information. After speaking with multiple representatives, they informed me that the information regarding the mentioned accounts were reporting accurately and that they verified the information. I asked each representative who verified this fraudulent information and how they were able to verify something that two other companies verified as fraudulent and erroneous? I explained to XXXX that I am the original creditor and consumer, and by holding both titles, I can not attest to ownership of this erroneous and fraudulent information being reported. As of XX/XX/2022, there is a pending dispute over the accounts. In the process of this dispute, XXXX still continues to knowingly and willingly report fraudulent information. This fraudulent information being reported adversely affects my credit worthiness, my credibility, and my character.
To attest to my statement being true, I have attached the most recent copies of the reports from XXXX and Transunion. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90745 | Servicemember | Consent provided | Web | 2022-05-20 | Closed with explanation | Yes | null | 5,581,269 |
2022-09-24 | Checking or savings account | Savings account | Closing an account | Funds not received from closed account | My high yield savings account was closed by American Express and I have {$15000.00} in the said account before it was closed till date I have no access to my money or account. | null | AMERICAN EXPRESS COMPANY | FL | 344XX | Servicemember | Consent provided | Web | 2022-09-24 | Closed with explanation | Yes | null | 6,013,186 |
2023-05-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I did not authorize anyone to use it. I have attached the necessary documents to support my claim. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60411 | null | Consent provided | Web | 2023-05-16 | Closed with explanation | Yes | null | 6,983,336 |
2023-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19149 | null | Consent provided | Web | 2023-04-07 | Closed with non-monetary relief | Yes | null | 6,802,211 |
2017-05-08 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I checked my online report recently and discovered that there is a Professional Adjustmen XXXX collection that is incorrectly being reported to my credit. It seems they are asking for {$1300.00} and the account number is " XXXX ''. I did not receive any notice with a right to dispute before this was reported to my credit. This is concerning because I do not know who this company is or why they want me to pay them such a large sum of money. I 've done some research online and this company has been involved in several scam stories for many consumers. Considering their history, I am not about to reach out to this suspicious company when I do n't even know what this debt is for. They need to explain who they are and why they want me to pay them {$1300.00}. | Company believes it acted appropriately as authorized by contract or law | Professional Adjustment Corp. of S.W. FL., Inc. | FL | 34761 | null | Consent provided | Web | 2017-05-08 | Closed with explanation | Yes | null | 2,479,154 |
2023-05-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights.
15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.
15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.
Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 301XX | null | Consent provided | Web | 2023-05-06 | Closed with explanation | Yes | null | 6,941,249 |
2022-03-06 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | Per the Credit Card Statement Information Section : Because we apply payments in excess of your minimum payment first to higher rate balances, you may not be able to avoid interest charges on new purchases if you have another balance at a higher interest rate unless you pay your balance ( or Interest Saving Balance ) in full each month.
Per the members at Chase : " Individual 1, generally, the minimum payment will be applied to interest charges, fees, and principal from your most recent statement starting with the lowest APR balance ( XXXX ). Amounts over the minimum payment will then be applied starting with the highest APR balance ( XXXX ). '' Per Cardmember Agreement : When you make a payment, generally, we first apply your minimum payment to the monthly obligation for any Flexible Financing Offer balances with special payment obligations which require repayment of the balance over a pre-selected number of billing periods, and then to the balance on your monthly statement with the lowest APR.
Any payment above your minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first.
If you do not pay your New Balance or Interest Saving Balance, as shown on your statement, in full each month, you may not be able to avoid interest charges on new purchases.
All.statements indicate that any payments above the Minimum Payment will be allocated to the items with the highest APR. Yet in my case this clearly has not been occurring and attempting to speak with them results in nothing but repeated conversations, lack of clarity, and most recently a lack of reply.
XXXX Statement : {$990.00} at 19.99 % APR {$990.00} at 0.00 % APR {$680.00} at 0.00 % APR This would indicate that once I pay the minimum payment of {$41.00}, then any additional payment should be allocated to the {$990.00} at 19.99 % APR balance. So for this statement I make the following payments : - {$210.00} on XX/XX/XXXX - {$1200.00} on XX/XX/XXXX So as the paid value exceeds the Minimum {$41.00}, I would expect the excess payments to be allocated to the 19.99 % APR and for that value to no longer exist by the next statement. Yet come around to the XXXX statement and then I see this.
XXXX Statement : {$890.00} at 19.99 % APR Interest Charged- {$15.00} {$720.00} at 0.00 % APR So for some reason that I have yet to be properly explained, majority of the payment went towards the lower APR value than the highest that they have indicated. No new purchases were made during this time, only balance payments were made.
After contacting them again I have not yet received a satisfactory reply and my most recent reply has yet to be answered after 5 business days when they notified me they received the message and that I should receive a reply in XXXX business days. I emailed them on XXXX XXXX, received the XXXX day reply that day. It is now XX/XX/XXXX and I have yet to actually receive a reply still.
As far as I can tell, I've repeatedly made large payments which should have decreased the 19.99 % APR balance, and while it has decreased, it has not decreased the way I would expect it too based on how they've described it in their agreement. | null | JPMORGAN CHASE & CO. | CA | 902XX | null | Consent provided | Web | 2022-03-06 | Closed with monetary relief | Yes | null | 5,291,696 |
2021-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX And Equifax are reporting a fraudulent account on my credit report which makes my utilization very high. Below is the fraudulent account XXXX XXXX XXXX XXXX : {$50000.00} XXXX XXXX XXXX : {$50000.00} | null | EQUIFAX, INC. | NC | 28212 | null | Consent provided | Web | 2021-12-16 | Closed with explanation | Yes | null | 5,017,900 |
2022-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I am a natural person and living human being. I am aware that I have consumer rights under 15 US CODE 1681 and 15 US CODE 6802.
Transunion is governed by 15 USC 1681 and 15 USC 6802 and they have violated my rights numerous times. I demand all the accounts listed below be deleted from my consumer report because according to 15 USC 1681 and 15 USC 6802, I have the right to privacy and I did not provide Transunion written permission or instructions to furnish these accounts on my consumer report. This is not a request for verification or validation of debt. I want Transunion to do what is fair and equitable to me as a consumer.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see attached | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | SC | 29223 | null | Consent provided | Web | 2022-08-18 | Closed with non-monetary relief | Yes | null | 5,894,309 |
2023-08-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Since 2019 there has been an old email address added to my credit report. The old email address is being logged into by someone other than me. When doing so, they have used the information for stalking, abuse, and harassment. I have updated my email address to the current email several times, and sent by mail copies of my drivers license, with letters requesting that my current email be the only one added to the credit report. Regardless of how many times I have updated the email address they still change it back to the old one. The person using the old email has all of my personal information. They are also stopping me from housing, transportation, employment, and other medical. | null | EQUIFAX, INC. | NY | XXXXX | null | Consent provided | Web | 2023-08-09 | Closed with explanation | Yes | null | 7,374,631 |
2023-10-19 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | I had a collections added to my credit on XX/XX/XXXX by a company called Fair Collections and Out, address XXXX XXXX XXXX XXXX XXXX XXXX, MD, XXXX. The amount owed was {$1100.00}. I settled the amount for less than owed in XX/XX/XXXX then filed for bankruptcy inXX/XX/XXXX. The bankruptcy was discharged in XX/XX/XXXX. After this, while checking the credit bureaus, I noticed that on my XXXX credit report this collection had not be removed from my credit report at the XXXX credit bureau but had been removed from both XXXX and XXXX.
I disputed the collection through the XXXX website and got back a response from them saying that the collection was accurate and they did not remove it. I then contacted Fair Collections and Out and asked them to remove it and they refused. When I asked why I was told that they had no reason to remove it. I told them I have filed for Bankruptcy and that it had been discharged in XX/XX/XXXXXX/XX/XXXXbut they still claimed they had a right to report the collections on my credit reports. When I asked why, I was told that it was just the way it was done.
I then contacted the law firm that I had used to help with my bankruptcy and they told me they were unable to help as they didn't deal with credit agencies.
I am at a loss for what else I can do, this is negatively affecting my credit report still even though my bankruptcy was discharged. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | FAIR COLLECTIONS & OUTSOURCING, INC. | AZ | 85132 | null | Consent provided | Web | 2023-10-19 | Closed with explanation | Yes | null | 7,727,868 |
2017-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have disputed several hard inquiries on my Equifax credit report. Equifax keeps stating that inquiries are a factual record. My argument is that the inquiries were not authorized by me and are fraudulent. i sent the request to have them disputed and removed along with my official police report. if an inquiry was not authorized by me than how can it be a factual record on my report under my identity. Equifax is causing me damages by continuing to report those inquiries which has caused my credit score to drop. | null | EQUIFAX, INC. | SC | 295XX | null | Consent provided | Web | 2017-07-18 | Closed with non-monetary relief | Yes | null | 2,577,901 |
2018-10-18 | Checking or savings account | Other banking product or service | Opening an account | Unable to open an account | Attempted to open an account with XXXX, and learned that I was unable to open per Early Warning, Contacted Early Warning, and they have been unable to provided as to why I am not able to open an account. According to the customer service person states the information that was reported was not clear but they are not reporting accurate information, but yet stopping me from opening any type of account by reporting false and inaccurate information. | null | Early Warning Services, LLC | GA | 30058 | null | Consent provided | Web | 2018-10-18 | Closed with explanation | Yes | null | 3,050,506 |
2022-07-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
2. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
3. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
4. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
5. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report.
7. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. Validate AccounXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
12. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report.
13. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32837 | null | Consent provided | Web | 2022-07-06 | Closed with non-monetary relief | Yes | null | 5,743,884 |
2020-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Experian and XXXX credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60632 | null | Consent provided | Web | 2020-08-05 | Closed with explanation | Yes | null | 3,780,000 |
2021-06-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED TRANSUNION AND XXXX AND XXXX XXXX XXXX XXXX Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85122 | null | Consent provided | Web | 2021-06-30 | Closed with explanation | Yes | null | 4,505,670 |
2021-09-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court | null | EQUIFAX, INC. | TX | 765XX | null | Consent provided | Web | 2021-09-28 | Closed with explanation | Yes | null | 4,761,038 |
2020-11-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I HAVE ASK THE CREDIT COMPANYS TO REMOVE THESE ACCOUNTS THEY HAVE YET TO DO SO. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 37130 | null | Consent provided | Web | 2020-11-12 | Closed with explanation | Yes | null | 3,951,258 |
2022-12-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I'm submitting disputes about unauthorized accounts and fraudulent activity opened on my credit report without my knowledge. The information was compromised. My information has been being handled improperly. The inquiries and collections below need remove. In accordance to the fair credit reporting. The list of accounts below has violated my federally protected Consumer rights to privacy and confidentiality under 15 USC 1681.
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 Requested On XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | OH | 43211 | null | Consent provided | Web | 2022-12-29 | Closed with non-monetary relief | Yes | null | 6,369,887 |
2019-11-24 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Confusing or misleading advertising about the credit card | On or around XX/XX/2019 I was approached at the XXXX XXXX by a XXXX/American Express representative who was offering a promotion for increased miles. I told the agent that I already had a XXXX XXXX card and was not interested in getting a new card. They advised that was not a problem. They took my card information and had me sign a document and then said that I was eligible for a promotion through the XXXX/American Express Platinum Card. When I reiterated that I did not want to upgrade my card they informed me that it was just checking to see if I would be eligible for the offer and that I could choose to sign up or not for the Platinum card once I received information in the mail. Instead, I received a new Platinum Card in the mail. I contacted American Express on XX/XX/2019 and spoke to multiple agents, supervisors, and individuals in the customer retention department. Despite my conversations and even requests to speak with someone in the fraud department ( as I felt I had been defrauded ). I was told I had two options. I could keep the platinum card ( which has an annual fee that is {$100.00} more than the one I currently have ) or I could downgrade to the card I initially had ; however, doing so could put me at risk of being ineligible for future upgrade promotions. The could not just make me whole again and remove future ineligibilities. They claimed that nothing could be done, despite me being signed up against my will or knowledge.
I would like to be in the position where I determine if and when I sign up to upgrade or change my credit cards. | null | AMERICAN EXPRESS COMPANY | MI | 480XX | null | Consent provided | Web | 2019-11-24 | Closed with explanation | Yes | null | 3,448,955 |
2019-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | My equifax credit score shows XXXX, none of my accounts are reporting because they have the wrong date of birth | null | EQUIFAX, INC. | GA | 31061 | null | Consent provided | Web | 2019-11-17 | Closed with explanation | Yes | null | 3,441,036 |
2022-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I purchased a XXXX XXXX and paid for the part up front and put the rest on the balance on a new Apple GS Bank credit card. Unfortunately, I had to return the XXXX XXXX about a month later. I had paid XXXX monthly payment on my apple card but after I returned the item I was told the card would be refunded the full balance and I would get a check back for my XXXX month payment which was considered an over payment. It took Apple 2 months to credit my GS credit card account and I never got my refund check for the over payment. | null | GOLDMAN SACHS BANK USA | CA | 93215 | null | Consent provided | Web | 2022-11-07 | Closed with explanation | Yes | null | 6,174,160 |
2020-10-04 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | This collection agency has tried to collect a debt from me in unfair ways, which I've complained about previously. This medical debt was a result of a mistake by the provider and has been written-off by the provider. The provider as well as this collection agency have notified me in writing that my account is closed and I do not owe them any debt.
I have just received a new email from this collection agency asking me for the full amount, again! This is a never ending nightmare. This is absolute harassment. Once again, the FDCPA states that debt collectors can't use false, deceptive, or misleading practices. This includes misrepresentations about the debt, including the amount owed. | null | Affiliate Asset Solutions, LLC | VA | 201XX | null | Consent provided | Web | 2020-10-04 | Closed with explanation | Yes | null | 3,880,469 |
2019-07-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I try to obtain my credit score they won't let me go to sleep but they say it but it says I still can't get it | null | EQUIFAX, INC. | GA | 30312 | null | Consent provided | Web | 2019-07-11 | Closed with explanation | Yes | null | 3,303,621 |
2021-07-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of Identity theft. Under 15 USC 1681c-2 for Block and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer. | null | EQUIFAX, INC. | TN | 37128 | null | Consent provided | Web | 2021-07-19 | Closed with explanation | Yes | null | 4,556,758 |
2021-03-22 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX XXXX, Mo XXXX To : XXXX XXXX XXXX XXXX XXXX, This complaint is against GM Financial on ground of price gouging by changing a payoff on a vehicle. Allow me to explain.
In XX/XX/XXXX my fianc past away with a XXXX XXXX XXXX, being financed by GM Financial. According to the bill for that month, the owed balance was about {$9000.00}. Later I advised the lender of the development by sending information and express my intent to continue to payoff the balance. I even sent them a copy of the title indicating me as a beneficiary on a TOD ; Transfer on Death.
During a phone conversation, they insist that I produce a letter of executive, or they will NOT give me a statement on the account. It was explained that because my fianc didnt owed any property or a business, an executive letter was unneeded and will NOT be produced. The lender still refuse to give me a statement.
Point of the Complaint In XXXX, I received a letter from the lender stating that a balance of > {$8000.00} ( {$7000.00} principal ) was owed. Please be advised that payments of {$430.00} ( average ) a month was made from XXXX to XXXX of XXXX. To have this amount left on the balance is clearly unreasonable. It appears that the reason for this lender to NOT provide me a statement is to wrongfully charge me an excessive amount to payoff my fiancs vehicle.
Additional information will be submitted at a later time.
With this complaint, I respectfully ask for your assistance.
XXXX, XXXX XXXX. | null | General Motors Financial Company, Inc. | MO | 63136 | null | Consent provided | Web | 2021-03-22 | Closed with explanation | Yes | null | 4,236,205 |
2022-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | When I reviewed my credit report, I discovered the erroneous accounts. The XXXX credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33176 | null | Consent provided | Web | 2022-12-16 | Closed with explanation | Yes | null | 6,323,546 |
2022-02-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am name is XXXX XXXX XXXX and this complaint to TransUnion was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized.
Chapter XXXX bankruptcy discharged Reference number : XXXX Amount : - | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | XXXXX | null | Consent provided | Web | 2022-02-23 | Closed with non-monetary relief | Yes | null | 5,252,238 |
2023-01-21 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | On XX/XX/XXXX or XXXX my account was hacked and there was several checks deposited in to my account that I didn't authorize was like 4 or 5 deposit of XXXX and XXXX from XXXX XXXX that I didn't authorize so I called my banker she changed my username and password for my account and the next day a banker from wells Fargo called and said my checking account has been locked and I can't withdrawal none of my money out of it to pay rest of my bills so now I'm negative XXXX in my checking and now I owe my light bill XXXX wells Fargo didn't care they accused me of depositing the checks and I don't ever deposit from XXXX XXXX only checks deposit in my account is from where I work | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 77351 | null | Consent provided | Web | 2023-01-21 | Closed with explanation | Yes | null | 6,468,029 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | To Whom It May Concern ; I have made numerous attempts to provide XXXX, XXXX and Equifax with government documents in the form ( s ) of various XXXX Department Police reports which have included a criminal police report case number XXXX dated XX/XX/XXXX where I was identified as victim # 4 on page 2 as a person who's identity was stolen and used. I have also provided all 3 CRA 's an identity theft police report case number XXXX, a Financial Crimes police report, number, case XXXX dated XX/XX/XXXX and an FTC Identity Theft report number XXXX in regards to criminal fraudulent use of my personal information.
I have disputed and sent all of the above police and FTC reports on numerous occasions in XXXX & XXXX of XXXX, in XXXX and again in XXXX. Yet, All 3 CRA 's continue to report fraudulent information on credit file which is in total violation as my consumer rights in the state of California. When any of the three CRA 's are asked how they verified the fraudulent information, I'm always told that the creditor verified that the account ( s ) belong to me.
If any of the 3 CRA 's attempted to verify any of the police/FTC reports provided to them, they would indeed find that my claims are true and that I was in fact contacted by my local police department about several crimes committed by the two individuals that were arrested.
It is my full belief that all 3 CRA 's are negligent in properly verifying these fraudulent accounts and considering that the creditors in question who continuously furnish fraudulent information to the CRA 's are paying customers, their word over my proof is enough to allow these creditors to continue to damage my credit and cause me harm.
There is literally nothing left for me to do as a resident of California that is required under the FCRA in my state of residence that would offer me any comfort in trusting the information provided by the XXXX CRA 's in protecting my personal and private information. Their continued abuse of my personal credit information is appalling and disgraceful and has caused me irreparable harm.
Just recently, I have been applying for a new housing rental and have been told that I have to pay twice the amount of a security deposit to secure the rental. That's {$8200.00} USD to pay as a security deposit instead of {$4100.00} that I would qualify for if it weren't for the fraudulent accounts that the XXXX CRA 's are allowing to report on my credit file. I have been charged a higher interest fee for buying a car due to their irresponsibility. This is just a snippet of what their actions have caused me for the last 2 years.
My wife was also a victim of this identity theft ring. As a matter of fact, my entire household was victimized by these two criminals. There were also several other victims named in the XXXX Police Departments Criminal case. My wife was able to get all of the fraudulent accounts removed and blocked from her credit file, while I was made to suffer for something that I had absolutely nothing to do with. Although I provided all three CRA 's with ample information to assist them in their investigations, it quickly became apparent to me that they could all care less about the accurate reporting of my personal credit information.
The fraudulent accounts included companies such as XXXX XXXX, XXXX, XXXX, XXXX and their collectors and a multitude of other fraudulent accounts opened at large corporations. I have been damaged over {$80000.00} in the fraudulent opening of accounts. My personal bank account was harmed in this fraud as well as it was literally drained at one point in time and I provided proof to all 3 CRA 's of this fraudulent activity. I am lucky that my local police department was able to catch the thieves and put a stop to their madness by locking them up. However, I can't say the same for any of the 3 CRA 's as they have facilitated the creditors in literally ruining what once was a great credit profile.
I kindly ask that you make the 3 CRA 's answer for why they have allowed fraudulent accounts to remain on my credit file by not removing or blocking the reported fraud from making its way into my credit file and damaging my good credit. I also kindly ask that you make them take action in removing the reported fraudulent accounts followed by blocking the creditor from ever reporting the fraud to the CRA again. My rights have been cosistently violated by XXXX, XXXX and Equifax for the last XXXX years and it must stop.
All police/FTC reports are verifiable and there are detectives ready to confirm what happened as is stated in the reports that I have provided to all 3 CRA 's . The accounts that I have been fighting to remove are as follows : XXXX. XXXX Bank XXXX Account - XXXX or XXXX ( transferred ) No action taken by the company XXXX- {$50000.00} XXXX. XXXX XXXX Account - XXXX ( closed ) No action taken by the company XXXX- {$8600.00} XXXX. XXXX XXXX ( closed ) No action taken by the company Account - XXXX Amount {$12000.00} XXXX and XXXX are by far the worst offenders. Equifax seems to have removed all fraudulent accounts except for the XXXX Bank account. XXXX is even listing addresses and phone numbers that don't belong to me.
In closing all I would like to happen is that my credit be restored to the condition it was in prior to the fraudulent activity that I have proven does not belong to me. I have complied with everything asked of me by the creditors and the XXXX CRA 's yet I get nothing in return but a fake credit file full of crimes not committed by me. All I ask is that these companies simply comply with my state law along with the FCRA rules and regulations.
Thank you for your time and understanding. Hopefully together we can put this all behind us and carry on.
At least the culprits are in jail.
Sincerely, XXXX XXXX XXXX | null | EQUIFAX, INC. | CA | XXXXX | null | Consent provided | Web | 2022-09-08 | Closed with explanation | Yes | null | 5,957,781 |
2023-02-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Hello I have reached out many times to Comenity Bank XXXX. They are really hard to get a hold of on the phone and when you send a private message in your mailbox they reply with a generic message and never get back to you to solve your problem. I discussed with a representative on a recorded line and even after two different times. I agreed to pay off my card balance in return for them to remove me from 30 days late. Again now they are reporting me 60 days late with is so inaccurate as I was never 60 days late if you see the payment date and the month they reported me 60 days late. I was supposed to get this removed from my credit report from all three credit bureaus as promised by 3 different agents, and it's still showing up on my credit report. I am tired of going back and forth on this. Can someone please help me get this error fixed? I want this removed from all three credit Bureaus I lost XXXX points on my credit do to this. | null | Bread Financial Holdings, Inc. | FL | 33418 | null | Consent provided | Web | 2023-02-20 | Closed with explanation | Yes | null | 6,592,500 |