Datasets:

aciborowska

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customers-complaints

like 1

2023-01-29

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

TX

76002

Consent provided

Web

2023-01-29

Closed with non-monetary relief

Yes

2023-02-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77075

Servicemember

Consent provided

Web

2023-02-26

Closed with non-monetary relief

Yes

2023-08-12

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Credit card company won't increase or decrease your credit limit

American Express has violated my rights as a consumer. They have broken the law and the Equal Credit Opportunity Act ( ECOA ). I have been discriminated against more times than once. This is my final attempt to rectify the situation before heading to a federal courthouse. I have provided proof of the violation in the letter response that they provided me.

AMERICAN EXPRESS COMPANY

IL

60620

Servicemember

Consent provided

Web

2023-08-12

Closed with explanation

Yes

2023-05-07

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXXXXXX XXXX has placed information on my credit file. They will not accept the fact that I no longer am interested in their product. I have no legal obligation to continue to pay for something I do not use and do not own. I have contacted them on several occasions and they refuse to close my account and leave me alone. I just want inaccurate data removed from my credit file. They report to bureaus as a mortgage but refuse to provide proof of said mortgage. Credit bureaus are just allowing anyone with access to put data on consumer credit reports. Experian is not looking at documents or disputed reasons. They just send a computer message and accept the response. XXXX also allows them to rubber stamp false inaccurate data on my credit report.

Experian Information Solutions Inc.

NC

28212

Servicemember

Consent provided

Web

2023-05-07

Closed with explanation

Yes

2020-10-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is a complaint about incorrect Foreclosure Starting ( FS ) and a Negative ( N ) mark on my XXXX Credit Report for XX/XX/2020. This is reported By Specialized Loan Servicing XXXX SLS. net my previous mortgage company. In 2020 I was in forbearance from XX/XX/2020 - XX/XX/2020 On XX/XX/2020 I paid off SLS in full and the account was closed. This date is Prior to the end of the forbearance. Subsequently, after the account was closed, SLS started forclosure on the properts according to a marking on my credit report, dating XX/XX/2020 when the account was already closed and in good standing. I have contacted SLS and they said there was an error and there is no foreclosure, that the account is good and closed, and they would fix the problem. To no avail, XXXX has been disputing the error as well and it keeps being bounced back with no correction to the negative mark on an account that has been closed. Sincerely XXXX XXXX XXXX

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

Specialized Loan Servicing Holdings LLC

FL

33143

Consent provided

Web

2020-10-15

Closed with explanation

Yes

2023-09-14

Credit card

General-purpose credit card or charge card

Problem with a company's investigation into an existing problem

Was not notified of investigation status or results

I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control. I kindly request an immediate update to my account and the removal of any inaccuracies that are causing me significant distress.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NE

68104

Consent provided

Web

2023-09-14

Closed with non-monetary relief

Yes

2022-07-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

75254

Servicemember

Consent provided

Web

2022-07-10

Closed with non-monetary relief

Yes

2019-01-03

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Don't agree with the fees charged

My complaint is about Navient. I am a resident physician who took out money for medical school. I am now a second-year resident so this is my second year paying on the loan. I have to be on an income-based repayment plan because my income ( ~ $ XXXX ) can not possibly make the payment on my > {$200000.00} student loan. As a result of being on the income-based repayment plan, Navient forces me to re-demonstrate my income every year to re-qualify. In order to accomplish this re-demonstration ( which is a useless exercise anyway because my income barely increases annually and that number is set years ahead of time for all residency programs and it is published online ), they sent a single non-descript email on XX/XX/2018. The email does not include any indication that it might contain such a re-authorization requirement. I have attached the email with my information redacted. In order to receive the contents of the email we are required to follow the link, login, and click on a pdf link that may or may not be the most recent message ; that is easy to overlook when you get 50 emails, this one contains nothing but a link, and there is no way to tell which message on the Navient website this email is connected to. BTW, I have four post-graduate college degrees and this is not straightforward. Of note, Navient does not include additional reminders. They do not include an email saying anything relevant at all. In fact, all Navient emails are essentially hidden until you conduct the separate login. Then, after that single email, they emailed me in XX/XX/XXXX to say that my payment would be increasing to {$2600.00} a month. Obviously, I can not afford that while I make {$50000.00} a year. They do give me the chance to fix the problem by going back on the income-based plan. I submitted all of the information to get back to the same income-based repayment program I was previously that is currently pending. However, despite staying on the same payment plan and having no lapses in my payments, Navient capitalized my interest. Apparently, that is their policy. If people do not re-authorize their loan in a pre-specified window of time, Navient capitalizes their interest. In my case, that capitalization was approximately {$6000.00}. So now I am getting compounded interest around 6 % on another {$6000.00}. In other words, I get to pay an extra {$30.00} a month for the duration of my loan. All because I missed a single non-descript email. I am wondering what the value of such a policy for the government that I borrowed money from? That is, why would Navient be allowed to steal a huge amount of money due to missing an arbitrary re-authorization date despite staying on the exact same repayment plan. It seems like a scam. We are basically borrowing money from our own government and Navient is being allowed to skim money off the top.

Navient Solutions, LLC.

OH

432XX

Consent provided

Web

2019-01-04

Closed with explanation

Yes

2022-03-02

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

Credit reporting

Incorrect information on your report

Account status incorrect

Had previously filed a complaint against Aspen for their illegal third party reporting on my credit and they have removed the incorrect information ; however, my husband who was also on the fraudulent contract also still has a blemish on his credit report with XXXX XXXX

Aspen National Financial, Inc.

CA

95330

Consent provided

Web

2022-03-02

Closed with non-monetary relief

Yes

2020-11-13

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 have disputed an account from my credit report that is still there and per the laws incorrect and inaccurate info would be grounds for removal and this has not happened. Not only has it not happened I have never received my investigation results. One of the times I even sent out the mail via certified so I know they received my letters. I never received my first set of responses so the second set I mailed certified. I'm asking my XXXX XXXX XXXX account I'm disputing to be deleted for it's inaccuracy and for the lack of response. I sent out the first set XX/XX/20 2nd set- XX/XX/20 3rd set XX/XX/20

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32707

Consent provided

Web

2020-11-13

Closed with explanation

Yes

2018-05-19

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

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX There is no reason for these inquiries to be on my report, I have not supplied my ssn for a job, neither a court judgment, no child support cases etc. I have credit monitoring through XXXX and it shows that my information was compromised on the dark web. I would appreciate your help in getting these unrecognized, unauthorized inquiries and fraudulent inquiries off of my report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32301

Consent provided

Web

2018-05-19

Closed with explanation

Yes

2022-02-08

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

Credit reporting

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

Was not notified of investigation status or results

I sent letters to Equifax, XXXX XXXX XXXX on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 38 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

EQUIFAX, INC.

NC

27332

Consent provided

Web

2022-02-08

Closed with explanation

Yes

2022-08-16

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

My name is XXXX XXXX and I am a federally protected consumer. I am filing this complaint against TRANSUNION for continuing to furnish unauthorized information to my consumer report. On XX/XX/XXXX I received a letter from XXXX XXXXXXXX stating that " On XX/XX/XXXX, we sent a request to the Consumer Reporting Agencies ( XXXX ), asking them to remove the hard inquiries listed above. ( XX/XX/XXXX ; XX/XX/XXXX ) '' Furthermore, on XX/XX/XXXX, I received a letter from XXXX XXXX stating that they " have submitted electronic requests to have the inquiries, generated by the credit applications, deleted from your personal credit file. ( XX/XX/XXXX, XX/XX/XXXX ) Please allow up to XXXX days for the update to be reflected. '' I am aware Transunion has up to XXXX days to remove these inquiries but they are still inaccurately showing on my credit file as of XX/XX/XXXX, which is past XXXX days. DELETE THESE INQUIRIES IMMEDIATELY. Attached you will find letters confirming this information should be deleted by now.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

70001

Consent provided

Web

2022-08-16

Closed with explanation

Yes

2022-02-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.

EQUIFAX, INC.

OH

45458

Consent provided

Web

2022-02-24

Closed with explanation

Yes

2022-12-01

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

Credit reporting

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

Investigation took more than 30 days

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

EQUIFAX, INC.

FL

33584

Consent provided

Web

2022-12-01

Closed with explanation

Yes

2023-03-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021

EQUIFAX, INC.

FL

33166

Consent provided

Web

2023-03-02

Closed with explanation

Yes

2018-08-11

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

Credit reporting

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

Investigation took more than 30 days

I submitted a dispute on XXXX XXXX with Transunion on XX/XX/2018 for a XXXX XXXX XXXX card that was opened fraudulently. I still have yet to receive my results or they have not finished their investigation and it's been 2 months.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MN

566XX

Consent provided

Web

2018-08-11

Closed with explanation

Yes

2018-07-06

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

SRA collection company location XXXXXXXX XXXX XXXXXXXX XXXX XXXX nj zip code XXXX phone is { XXXX } XXXX XXXX, my complaint is that there unlawfully pulling my credit report doing soft pulls and also calling my home phone XXXX XXXX around XXXX in the morning and also my cell phone XXXX XXXX too I told them that I don't owe any debt with this company and I have a common name, they also call me on private numbers by blocking there numbers, can you please tell these animals to leave me alone and stop harrrassing me and my kids asking for me when my XXXX year old picks up the phone, the company is trying to used muscule by imtimidating me by trying to sue, it this keeps up im going to sue them,

SRA Associates, Inc.

NY

10303

Consent provided

Web

2018-07-06

Closed with explanation

Yes

2023-08-13

Credit card or prepaid card

General-purpose credit card or charge card

Getting a credit card

Sent card you never applied for

Someone trying to open a credit card with my name on it.

CAPITAL ONE FINANCIAL CORPORATION

CA

91007

Older American

Consent provided

Web

2023-08-13

Closed with non-monetary relief

Yes

2020-08-12

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I am XXXX XXXX working as a XXXX/XXXX in which my business has been detrimentally effected by this pandemic. I applied for an economic injury disaster loan ( EIDL ) through the Small Business Association ( SBA ) on XX/XX/2020. I was approved for {$20000.00} on XX/XX/2020 and my chase account was funded on XX/XX/2020. Two days later, I tried to access my funds at a chase ATM and the transaction was declined. I was then given a receipt with a XXXX number to call. I tried to call in but unfortunately the wait time was over an hour. The next day, I decided to head down to the nearest Chase branch and speak with a Branch Manager. Assuming chase just wanted to verify my identity, I brought with me all supporting documentation, three forms of ID, SS Card, and my signed Loan Authorization and Agreement ( LA & L ) directly from the SBA. On XX/XX/2020, I spoke with Branch Manager XXXX XXXX and explained my situation to her. She verified 2 forms of ID and stated she would call the specialist/fraud department to see what was going on. Upon her return she stated that i would need to provide a EIN number or Article of Organization in order to access my funds. Why do I need this information if I'm an XXXX XXXX???? I then explained to her that since I structure XXXX XXXX as an XXXX XXXX by law I dont need that information to operate XXXX XXXX. I opened this personal account specifically for this loan plus accounting reasons and to fulfill all the necessary requirements and guidelines regarding this loan. Its not right that they are freezing this money solely because it was deposited in a personal account instead of a business account when the SBA clearly verified all my account information prior to disbursement of funds. Due to these poor business practices, I have no capitol to pay rent or feed my kids. I relied on this loan for many business needs/payroll to myself especially and this bank has crippled me from carrying out my day to day operations. Its totally unacceptable that they freeze my funds when SBA clearly approved me for the funds to be deposited into my personal checking account due to me being an XXXX XXXX. This bank clearly needs to do more research on the laws and requirements surrounding independent contractors because we are not required to have EIN numbers or Business Accounts

JPMORGAN CHASE & CO.

CA

94603

Consent provided

Web

2020-08-12

Closed with explanation

Yes

2019-09-19

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. The information listed below, which appears on my credit report, does not relate to any transaction XXXX XXXX ) that I have made. It is the result of identity theft.

EQUIFAX, INC.

PA

19143

Consent provided

Web

2019-09-19

Closed with explanation

Yes

2021-01-23

Credit card or prepaid card

Store credit card

Other features, terms, or problems

Other problem

Paid off Amazon card and it has been closed and for over 6 months Ive continued paying and I just noticed that the balance is always different. Im beginning to think this is fraudulent.

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

SYNCHRONY FINANCIAL

TX

78251

Consent provided

Web

2021-02-08

Closed with monetary relief

Yes

2017-05-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Someone tried to open a PayPal credit card with my info. I called the company and they closed it but it still shows as a hard inquiry in my credit report in XXXX . XXXX / XXXX / 17

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

SYNCHRONY FINANCIAL

CA

90604

Older American

Consent provided

Web

2017-05-21

Closed with non-monetary relief

Yes

2023-06-08

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX : {$0.00}

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

Experian Information Solutions Inc.

NY

117XX

Consent provided

Web

2023-06-08

Closed with explanation

Yes

2022-11-28

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77477

Consent provided

Web

2022-11-28

Closed with explanation

Yes

2021-10-28

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be deleted immediately. XXXX XXXX XXXX - XXXX {$16000.00}, I have no relation to this account in fact, this account was opened XX/XX/XXXX. It is now XXXX Exceeding the maximum time under FCRA LAW for a debt collection to stay on a consumers credit report. This account has caused me hardship in obtaining and maintaining a healthy credit profile. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX- XXXX - balance unknow- {$10000.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX XXXX - balance unknown- loan amount {$10000.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX - XXXX balance unknown- loan amount {$520.00}. I have no relation to this account. Under FCRA XXXX05B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX XXXX XXXX {$1300.00}. I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX - XXXX - {$680.00} - I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX {$470.00} I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX- XXXX {$2400.00} I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. XXXX XXXX - {$470.00} I have no relation to this account. Under FCRA 605B I AM REQUESTING THAT THIS INFORMATION IS DELETED WITHIN 4 BUSINESS DAYS, FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS WHICH WILL INCLUDE ALL PARTIES, INCLUDING ANY AGENCY REPORTING INACCURATE INFORMATION TO MY CREDIT PROFILE. INQUIRIES : XXXX Home Furnishings - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Jewelers Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE SOLUT Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX Credit Bureaus Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX EQUIFAX MORTGAGE SER Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Miscellaneous Reptg. Agencies Inquiry date : XX/XX/XXXX XXXX XXXX Finance, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXX/XX/XXXX

EQUIFAX, INC.

MD

21075

Consent provided

Web

2021-10-28

Closed with explanation

Yes

2019-05-30

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

Credit reporting

Incorrect information on your report

Account information incorrect

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.

EQUIFAX, INC.

NY

10801

Consent provided

Web

2019-05-30

Closed with explanation

Yes

2015-12-22

Debt collection

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

Cont'd attempts collect debt not owed

Debt is not mine

Focus Receivables placed a collection account from XXXX in my credit file. I was never contacted by them by phone or mail and had no know of this account. I have lived at my current address for over 10 years and have not had an account with XXXX. To make matters worse, they the high balance showing at {$110.00} and a total balance of {$530.00}. A little confusing. But nevertheless, I do not owe this bill or XXXX for I never had service with them.

Company believes it acted appropriately as authorized by contract or law

Focus Holding Company

TX

75134

Consent provided

Web

2015-12-22

Closed with explanation

Yes

No

2023-02-27

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

Credit reporting

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

Was not notified of investigation status or results

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached.

EQUIFAX, INC.

MI

48214

Consent provided

Web

2023-02-27

Closed with explanation

Yes

2019-06-27

Debt collection

Credit card debt

Written notification about debt

Didn't receive notice of right to dispute

I have done all 3 credit bureaus " debt validation " which was a joke!. I want verified debt history of this collection account with notarized documentation of portfolio recovery associates ownership. AND PAYMENT HISTORY. FCRA & FDCPA VIOLATION! THIS is a collection account and under FDCPA & FCRA IS A VIOLATION to mark consumers collection accounts with " paid late '' only creditors can do that. Complaint also sent to XXXX and Wisconsin state attorney. I also now have attorney.

PORTFOLIO RECOVERY ASSOCIATES INC

WI

549XX

Consent provided

Web

2019-06-27

Closed with explanation

Yes

2023-10-10

Credit reporting 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/2023 I went to XXXX XXXX in XXXX Florida to purchase a Suv. The agent that I spoke to whose name was XXXX informed me that only one hard credit inquiry would be on my credit report if I decided to proceed with the Transaction. Upon checking my credit report there are two hard inquiries on XXXX credit report and one hard inquiry on my XXXX credit report. There should only be one hard inquiry on my credit report. I am therefore asking Hyundai Finance and XXXX XXXX to remove the unnecessary hard inquiries from my credit report. There should only be one hard inquiry on my credit report. I authorize the sales agent to do one hard pull on my credit report not three hard pulls. So, two of the hard pulls down on my credit report was not authorized by me and I want them removed immediately.

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

HYUNDAI CAPITAL AMERICA

FL

34761

Consent provided

Web

2023-10-10

Closed with explanation

Yes

2022-03-17

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

American Express closed down my credit card account without giving me any notice or reason why. I called them and no one can explain why they close my account I even asked to speak to the manager and they cant seem to find a reason for closing my account. Everything was up-to-date with my card I was very responsible with my card. I didnt get an email or email regarding why they close my account. All they can tell me is that they Close my account XX/XX/XXXX and that there is no records of cancellation. I asked for corporate number they refuse to give me that information. I spoke to customer service representative XXXX XX/XX/XXXX at XXXX AM and I also spoke with supervisor XXXX he claims that he can not provide me with corporate number or email and refused to help with my situation.

AMERICAN EXPRESS COMPANY

NY

11433

Consent provided

Web

2022-03-17

Closed with explanation

Yes

2020-10-08

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

Credit reporting

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

Their investigation did not fix an error on your report

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020, XX/XX/2020 Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The account number is XXXX ( {$2300.00} )

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

Experian Information Solutions Inc.

CO

806XX

Consent provided

Web

2020-10-08

Closed with explanation

Yes

2018-07-12

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

I just graduated in XX/XX/2018. Despite me paying more than the amount due each month, Navient increased the principal on my three subsidized loans. I check my student loans weekly and the principal on my subsidized loans were ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, and ( 4 ) {$1100.00} with {$0.00} interest accrued on each of these three loans, as of Sunday, XX/XX/2018. Well to my surprise, I checked my loans again on Wednesday, XX/XX/2018 and the principal for these corresponding loans was ( 1 ) {$1100.00}, ( 3 ) {$3100.00}, ( 4 ) {$1100.00}, with {$0.00} interest accrued on these loans. As I was shocked to see the jump ( and as I have been paying down the loans with overpayments ), I was shocked to see the jump on principal. Right away I called Navient and the representative told me it was all interest that accrued, despite me looking directly at my loans and seeing {$0.00} interest for each of these three loans. Today, XX/XX/2018, there shows minimal interest has accrued for the loans at ( 1 ) {$0.00}, ( 3 ) {$0.00}, and ( 4 ) {$0.00}, which in no way explains the huge jump in my principal on these three loans. The Navient representative was not helpful when I was talking to her and she hung up on me before I was finished asking more questions.

Navient Solutions, LLC.

CA

91941

Consent provided

Web

2018-07-12

Closed with explanation

Yes

2023-08-01

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33461

Consent provided

Web

2023-08-01

Closed with non-monetary relief

Yes

2021-10-25

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

I have received multiple letters/correspondence from Target Card Services that I have a balance on my credit card ( see attached as one letter received for the period of XXXX ). I have not used the card in about one year. I made a police report today ; the temp ID number with XXXX Sheriff is XXXX. I think this is related to XXXX XXXX, an ex-husband, accessing lines of credit. He was never on my Target Card. I called them on XX/XX/21 and the employee I was spoke with had an ID of XXXX. He said it was XXXX XXXX. I explained XXXX was never on this card and I asked for them to mail me a letter reversing these charging including the late fees. I have not gotten a resolution from them at this time.

TD BANK US HOLDING COMPANY

CA

95864

Consent provided

Web

2021-10-25

Closed with explanation

Yes

2022-02-14

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

On XX/XX/XXXX ( shown as XX/XX/XXXX on the online chase bank activities ), there were five unauthorized ACH transactions, total {$23000.00} were taken from my business checking account. They were all online fraud by hackers. I reported to Chase and asked for bank account protection prior to and during the transactions. Chase tried to block the transactions according to my request but failed. On XX/XX/XXXX, one of the five unauthorized ACH transactions ( {$4500.00} ) was credited back to my business checking account. The rest four transactions ( total {$18000.00} ) could not be reversed and credited back to my business checking account. Chase created a claim for investigation of the ACH transactions since XX/XX/XXXX but denied to credit back the {$18000.00} with the statement " We found that the transactions you reported on XX/XX/XXXX were processed according to the information you provided was authorized, No adjustment will be made to your account ''. From XX/XX/XXXX to XX/XX/XXXX I made several phone calls to chase and had talked to the Chase representatives of fraud investigation and claim departments regarding the refunding the unblocked fraud ACH payments ( Total {$18000.00} ). The answer from the claim department is the claim was closed because the fraud couldnt be proved and those ACH payments could not be refunded to your account, bring the evidences to the local chase office for further investigation. I went to Chase local office in XXXX XXXX, Indiana, met the brachy manager XXXX XXXX and submitted documents including suspicious emails I received prior to the fraud transactions, the printout of the ACH transactions. XXXX helped to escalate reopening the claim investigation but Chase kept the previous conclusion and detailed that " They found that those ACH transactions were made on the device having same IP address that I used to access my chase bank account ''. My complaint is that I provided the suspicious emails and made phone calls to Chase customer supporters asking for account protection before and during the fraudulent transactions. Chase had also successfully blocked one of the five transactions that happened at the same time. How can Chase conclude the other four transactions were authorized just because they can not find the transactions were made on the device with different IP address? I demand Chase to credit the rest four unauthorized transactions ( total {$18000.00} ) back to my business checking account.

JPMORGAN CHASE & CO.

IL

60564

Consent provided

Web

2022-02-14

Closed with monetary relief

Yes

2021-02-12

Credit card or prepaid card

General-purpose credit card or charge card

Problem when making payments

Problem during payment process

I have been a customer of this credit card company for a long time. I have made purchases with the card, and have been making payments. The interest rate on my purchases is 10.99 %. I did a Balance Transfer recently, at an interest rate of 6.99 %. When I make my monthly payment, it is being applied to the Balance Transfer amount at 6.99 %. My oldest transactions are 10.99 %, and are not having the payment applied to it. When I make a payment, it should be applied to the oldest transaction.

DISCOVER BANK

VA

241XX

Consent provided

Web

2021-02-12

Closed with explanation

Yes

2022-09-07

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

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX R, XXXX and autograph as the agent XXXX attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit reporting Act noticed accuracy and fairness of credit reporting. Fact, the Fair Credit Reporting Act states that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Fact, the Fair Credit Reporting Act states consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Fact, the Fair Credit Reporting Act noticed an elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Fact, the Fair Credit Reporting Act is states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Fact, the Fair Credit Reporting Act states consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, the Fair Credit Reporting Act Section 15 USC 1681n states any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Notice, it is a fact, affiant is aware, this unauthorized inquires which allowed third parties to obtain my consumer report under false pretenses has brought damage to my consumer report and reputation in the amount of {$1000.00} dollars per inquiry and EQUIFAX, XXXX AND XXXX is in violation of 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) and is liable for each unauthorized inquiry. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge.

EQUIFAX, INC.

AL

362XX

Consent provided

Web

2022-09-07

Closed with explanation

Yes

2017-04-28

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Companies doing hard inquires days with each other. Causing XXXX or more hard inquires to hit my credit score f or XXXX company.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IN

471XX

Consent provided

Web

2017-04-28

Closed with explanation

Yes

2022-03-09

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

Credit reporting

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

Problem with personal statement of dispute

In XXXX I paid my account in full. Then in XXXX interest from my last statement occurred did not know and was not notified until I seen a missed payment on my credit report for {$14.00} called to speak with them they said there is nothing they can do that I have to contact the credit agencies paid in full {$32.00} because of fees and they said they put a note about my complaint but there was nothing else that they could do that I had to contact the credit bureaus I did not use my card so I did not know I had a payment did not know that interest occurred asked them to take it off and they said they couldnt. I have never been late and want this removed off my credit as late payment or missed payment

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

CITIBANK, N.A.

FL

33404

Consent provided

Web

2022-03-09

Closed with explanation

Yes

2023-04-15

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

Debt validation request was delivered on XX/XX/XXXX and I have not received the requested information within a timely manner.

AFNI INC.

NC

27804

Consent provided

Web

2023-04-15

Closed with explanation

Yes

2019-03-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

In XXXX, I paid " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, FL XXXX, the agreed upon amount to close my collection account. The collection was still being reported on XXXX back in XXXX, so I called to see what the issue was, and XXXX XXXX XXXX informed me that everything should be all cleared up. It is now XXXX and my account is still showing up as in collection on XXXX, and I would like it removed as it is rendering me unable to apply for new credit.

Company believes it acted appropriately as authorized by contract or law

ERC

NY

11370

Consent provided

Web

2019-03-12

Closed with explanation

Yes

2020-01-27

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Per FTC sec 609 companies are not validating credit account. They are simply verifying my information.

AFNI INC.

CA

90220

Consent provided

Web

2020-01-27

Closed with explanation

Yes

2020-05-27

Debt collection

Mortgage debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

This is a continued " Phantom Debt '' to which is aided by heavy handed law firms aiding and abetting in stealing real property disguised as a " debt '' owed. The Debt was with an entirely different lender named in the contract and under Contract law of California CCP 337 had expired many years ago. Despite the facts, the Attorney 's are forcing and aiding in theft by impersonating a " Fictiticious Debt '' owed to " Some entity '' that is not logically possible. After having clearly been time barred under all applicable laws. The " Note '' was said to be revived and having contrary claims made, that again are impossible. Despite the facts of a very old debt of which last payment was XXXX. A series of unlawful criminal felony acts were aided by shielding the true facts and using California 's non-judicial scope as the backdrop for the perfect crime of Grand Theft of Real Property. The players are high level Attorney firms. Most are not even Registered in California. This allows a series of threats to start out the process of which is a continuous aiding and abetting of federal crimes, including bringing Fraud on the Court by inserting made up facts ; fabricated fact patterns to aid inserting unrelated case law to persuade the Courts to have resulted in various parties, ( heavily backed by trillions of dollars ) to aid in the front liners of those parties being forced to enter the Courts. Once enter the Courts, the Aiding and Abetting Attorney 's start the scheme to defraud the Court of Fabricated, and False Debt. This scheme is disgustingly unscrupulous and has caused extreme harm, breaking and entering to cause tremendous terrorizing to me and my family, causing XXXX XXXX XXXX and then continues by the Attorney 's hired by said strong armed parties who persuade the Courts despite the laws are not used to Steal, only a disguised version of fabricated lies to the Courts ; and lies to the Regulatory Agencies to cause massive harm to our entire society. This is revolving around a XXXX PONZI Scheme PLAYERS ARE NOW IN FEDERAL CUSTODY. These persons introduced an agent, XXXX XXXX of XXXX XXXX XXXX XXXX to who set me up and forged my signature on loans and TILA ; and lied about my XXXX properties at the same time in XX/XX/XXXX resulting in refinances of XXXX properties in Southern California. At the same time XXXX admitted these had " No ability to Perform '' and would rewrite the notes. This resulted in four shockingly hidden balances accrued and new agreements in XXXX informed to Not Pay to allow a revision, at same time XXXX was being sued by CA. DOJ. Despite the expected loans to be able to perform. XXXX called Due all loans by acceleration, According to provisions of the Deed of Trust item # XXXX. Then, XXXX stated they were lender taking over. This turned out to be lie. XXXX lied for about XXXX years straight, causing extreme harm by the continued lies and extortion to steal more money under false pretenses. Now underlying was a slew of falsities on each of the loan documents, and this has been a nightmare every single day since XXXX. In XXXX XXXX, a Notice of Default was filed no other lenders named, only XXXX. Despite this as a fact. In XXXX XXXX XXXX XXXX took over XXXX XXXX ; and XXXX XXXX XXXX as servicer take over for XXXX said that XXXX has now reappeared in XX/XX/XXXX and sold to XXXX XXXX. That each claim on public records is completely non sense. On XXXX XXXX XXXX " All nonperforming Assets '' went into a Chapter 11 Bankruptcy later resolved as unsecured debt, and discharged. In XXXX XXXX and the FDIC stated my loan was NOT taken over by XXXX period. It was a non performing Asset. Despite XXXX XXXX being in Bankruptcy ; XXXX sold the NOTE to XXXX in XXXX and in XXXX. Despite the contract having expired and been time barred under CA. CCP XXXX at XXXX years, more than XXXX years past and then in XXXX, I filed a Ch. XXXX bankruptcy and then in XXXX - XXXX was in a Chapter XXXX. I held all my rights to XXXX of my properties during the Chapter XXXX. Then in XXXX forced to file a lawsuit after XXXX said they would cause a release of the time barred lien, after I hired an unethical Attorney in XXXX who failed to perform, stole funds from me and aided in this scheme to cause harm and profit from my injuries. This caused me to sue Nationstar acting in a role of alleged Servicer FOR A FALSE XXXX XXXX CLAIM to own the XXXX XXXX XXXX by which expired all rights to enforce as it was time barred in XXXX at XXXX years, and then at XXXX XXXX XXXX years discharged debt. Now, here since filing a lawsuit in XXXX to which Attorney 's acting in shameful manners to aid in false law and false facts ; despite the continued harassments of fraud by the attorneys aiding in WHICH IS CLEARLY FELONY ACTS stealing rights to my property by " Fraudulent documents '' recorded when clearly XXXX XXXX WOULD NOT THIS COULD NOT BE TRUE OR POSSIBLE. DESPITE THIS, EACH COMPLAINT FILED is answered with the same lying Attorney firms that are the cause of the crimes being done. XXXX XXXX did not take over XXXX XXXX XXXX XXXX performing loan or that which appeared to have been claimed by XXXX in XX/XX/XXXX. XXXX did not take over this loan that XXXX XXXX claims via Aiding and Abetting Attorneys. Those attorney 's are not following any banking laws ; and are making up false facts and evidence to aid in Grand Theft. This is a scheme to Steal not only my property, my equity, but ruined my entire life and business and have continued to ramp up to levels of crimes that need to be brought to justice. Not in the fake false manners by XXXX XXXX XXXX and XXXX XXXX ; XXXX XXXX and XXXX XXXX of XXXX XXXX Nevada and unregistered law firms to aid in Felony Criminal Acts of XXXX Theft. The loan was XXXX in XXXX ; in XXXX ; it was non performing since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ; and held all rights in Chapter XXXX during XXXX & XXXX ; by XXXX had fired incompetent attorney 's ( founded by Fed. Court as such ) fired the thief attorney, who is now under suspension with CA. BAR. Entered the Superior Courts and of which where the Real Fraud to Grand Theft remains. Attorney 's are aiding in Fraud on the Court. This is a continued pattern to which has been extreme and ruins society and aids in corruption by allowing such continued abuses to which the circle repeats itself here.

Mr. Cooper Group Inc.

CA

90740

Consent provided

Web

2020-06-12

Closed with explanation

Yes

2023-03-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. See the documents attached.

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

Experian Information Solutions Inc.

WA

98034

Consent provided

Web

2023-03-21

Closed with explanation

Yes

2019-05-21

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have no knowledge of these accounts. They are reporting on my report under Navinent.

Navient Solutions, LLC.

SC

293XX

Consent provided

Web

2019-05-21

Closed with explanation

Yes

2023-04-05

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

Credit reporting

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

Their investigation did not fix an error on your report

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. XXXX XXXX Balance : {$13000.00}.

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

Experian Information Solutions Inc.

NJ

080XX

Consent provided

Web

2023-04-05

Closed with explanation

Yes

2017-04-01

Debt collection

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

Cont'd attempts collect debt not owed

Debt was paid

I got a call from XXXX ( XXXX/ XXXX Claim Number XXXX ) stating that I owed them {$2700.00} from a Tv that I took out in XX/XX/2012. All my accounts have been closed with conns in good standings and paid in full. I stopped by conns they printed me where I 'm paid off with no balance due. My biggest issue is how they HAVE MY SSN, PHONE NUMBER, ADDRESS, and other other info. I called conns customer service and they stated they are not responsible for other agencies having MY PERSONAL INFO THAT I GAVE CONNS ACCESS TO. I dont know how they got my info when I paid everything in full and before contract was up. XXXX stated they can not give me more info just to make a payment which i have proof I paid it off in full.

Conn's, Inc.

TX

78586

Consent provided

Web

2017-04-15

Closed with explanation

Yes

No

2021-01-06

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have an auto loan with XXXX XXXX XXXX which was opened in XX/XX/XXXX. On XX/XX/XXXX I wrote a letter accompanied with bank statements to dispute payments that were reported as missed for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XXXX of XXXX. All of these payments were set up for recurring payments though XXXX XXXX XXXX when the loan was obtained. All of the payments were made on time. On XX/XX/XXXX at XXXX I called the XXXX XXXX MA location and spoke to XXXX regarding my dispute. She placed me on hold for over 20 minutes, then came back and apologized for the wait and stated that I could not dispute through them. She said I could only dispute through the credit bureaus, they do not handle direct disputes. I informed her that her the FCRA I could dispute directly with the creditor. She then told me that she would have another representative call me back. I never received a call back. On XX/XX/XXXX I received a letter stating that my bank statements were not sufficient evidence that the payments were made. The letter also stated that they could not update their incorrect reporting for 9 months. This has impacted my credit greatly and is affecting my life. This is also a violation of the FCRA and a violation of my rights.. My banking institution, XXXX XXXX XXXX only provides bank statements as proof of payments. I am requesting that the correct their inaccurate reporting for the months in question to paid on time as agreed, along with crediting to auto loan account for the over payments I had to make in XXXX and XXXX of XXXX. I was forced to may more than {$880.00} in order to avoid a repossession and end the harassment I was getting. I ask that the over payment be applied towards the principal of the loan.

EQUIFAX, INC.

MA

01843

Consent provided

Web

2021-01-06

Closed with explanation

Yes

2019-12-10

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

Recently tried to see if a business I owned was eligible for business credit on. I do not recall applying for the credit, only checking through pre-qualification letter I received by chase. I have also noticed two hard pulls by XXXX. My personal credit was pulled and now showing a hard inquiry. Both under the pretense of " soft pulls '' but are showing up on my XXXX credit file. Thank you for your consideration

JPMORGAN CHASE & CO.

FL

33626

Consent provided

Web

2019-12-10

Closed with explanation

Yes

2023-03-07

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I tried to contact Bank of America concerning a credit check on my account. They would not help me as I do not have any BOA accounts. The credit entry was done on XXXX/XXXXXXXX

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

BANK OF AMERICA, NATIONAL ASSOCIATION

ID

83301

Consent provided

Web

2023-03-07

Closed with non-monetary relief

Yes

2023-07-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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

Experian Information Solutions Inc.

SC

29579

Consent provided

Web

2023-07-17

Closed with explanation

Yes

2017-11-13

Debt collection

Other debt

Communication tactics

You told them to stop contacting you, but they keep trying

I c systems is contacting me for a debt that is no longer with Ic systems the debt now has been transferred to XXXX XXXX XXXX I have asked Ic Systems to stop calling me more than once I asked that they only contact me through the mail only the debt is no longer Ic IC systems debt please stop contacting me please

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

I.C. System, Inc.

VA

XXXXX

Consent provided

Web

2017-11-20

Closed with explanation

Yes

2017-09-10

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

Bank of America performed an unauthorized hard credit inquiry on XXXX/XXXX/XXXX.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

MD

20910

Consent provided

Web

2017-09-10

Closed with non-monetary relief

Yes

2023-04-03

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

Credit reporting

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

Investigation took more than 30 days

I sent a certified letter of validation to the collection agency XXXX, on XXXX XXXX, which they recieved on XXXX XXXX. They never responded back to me within 31 days of the letter. So for a debt that I don't owe it is a violation of the FCRA and the FDCP. Therefore if it could'nt be validated XXXX must request that all reporting agencies delete the entry. As of XX/XX/XXXX, this will be 5 months with no response.

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

Experian Information Solutions Inc.

DE

19977

Consent provided

Web

2023-04-03

Closed with explanation

Yes

2023-06-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is to inform you that I XXXX XXXX is a victim of Identity Theft and pursuant to FCRA Sections 605B, 615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victim 's credit report. It will also make sure that these debts do not reappear on the credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. A copy of these sections is enclosed, and pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) Block of Information Resulting from Identity Theft, except as otherwise provide in this section a, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

93711

Consent provided

Web

2023-06-23

Closed with non-monetary relief

Yes

2022-11-25

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

Credit reporting

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

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 demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30906

Consent provided

Web

2022-11-25

Closed with non-monetary relief

Yes

2023-02-05

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

Credit reporting

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

Their investigation did not fix an error on your report

IN accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose XXXX XXXX XXXX Account # XXXX NEVER LATE PLEASE UPDATE

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

Experian Information Solutions Inc.

GA

30906

Consent provided

Web

2023-02-05

Closed with explanation

Yes

2021-12-22

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

In XX/XX/2021 I opened an account with Santander Bank at one of their branch locations in XXXX, XXXX. I sat with one of their associates who walked me through the process, then I had to watch a short video to see what kind of checking account I would like to open. The video should two options and one of them mentioned that your debit card will never be declined and if the funds aren't available you'll be charged a {$35.00} fee. Before I made a selection I had a few questions for the associate because I wanted a clear understanding of this program. I was completely honest with the person and stated I'm not good at managing my funds especially because I just accepted a position that pays a lot less than what I'm accustomed. I asked was there a maximum limit for this program? Meaning will everything truly be approved even if my account is negative XXXX XXXX with having direct deposits set up coming from my employer bi-weekly? Or if the privilege is being used excessively will my card be declined? I was advised that No because the program states that your card will never decline and I would just have to repay the fees and cost of the item purchased. I selected that option and set up the account. Over the next few months I started to notice that the fees seemed a bit high in total, however since I'm not the best at managing my funds I didn't ask the bank about it. Then I started noticing that the bank will limit the amount I can purchase with my card if the account is in the negative. For example if I tried to complete a transaction in the amount of {$80.00} it would be declined, however if I made 4 transactions {$20.00} each they would be approved and I would be charged a fee for each {$20.00} transaction. Within the past two weeks including today my card declines every time I attempt to use it. This made me call their customer service department on XX/XX/2021. I was spoken to poorly by the representative on the phone, so I requested for a supervisor who informed me that 3 transactions per day should always be approved whether I have the funds available or not. He didn't understand why all of them are being declined and placed me on hold for a long time to research. When he came back on the line he didn't have a resolution and needed more time. I asked if he could call me back because I was at wok. The supervisor agreed and I provided him with the best phone number/email to reach me and was advised he would get back to me by end of business that day. Today is XX/XX/2021 and I have not received a return call or email from anyone at Santander. This is a extreme inconvenience because I drive XXXX on the side to supplement my income and was attempting to get my account out of the negative and do the rest of my Christmas shopping. I haven't been able to do either because my card has no been approved for any transaction I've attempted. I believe that I'm being charged a lot more in fees than I am suppose to occur to my understanding and need clarity, and a review of my account to ensure the fee amounts are accurate. I am not able to do anything that I need some kind of money to participate and getting back and forth to work has been very difficult. I just want them to make this write because this program is quite deceiving because they market that your debit card will never be declined without any stipulations. It seems like they are falsely advertising this program to entice more people to enroll and gain additional fees from the consumer. I am really beginning to believe this because no one has followed up with me and majority people in my area that bank with this company are from other countries and don't complain or just accept the banks explanation.

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

SANTANDER BANK, NATIONAL ASSOCIATION

PA

19104

Consent provided

Web

2021-12-22

Closed with explanation

Yes

2022-08-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

There are accounts showing on transunion credit report that are not mine. They have failed to provide proof of ownership. These accounts are not mine

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

433XX

Consent provided

Web

2022-08-03

Closed with non-monetary relief

Yes

2023-02-22

Credit card or prepaid card

General-purpose credit card or charge card

Advertising and marketing, including promotional offers

Didn't receive advertised or promotional terms

On XX/XX/2023 I was bnuying tickets on Delta Airlines. As I was moving through the online purchase, an offer for a American Express Gold Delta rewards card promotion appeared, offering {$300.00} off a {$1200.00} ticket price. I chose to apply and take advantage of the offer, lowering my total airline ticket price to around {$900.00}. I was approved and sent back to the Delta website ; however, there was a problem completing the transaction. I had to re-enter the flight information and this time there was no more promotion price, as I had already applied and was approved for a Card. After contacting Amex, they said they would be willing to open a ticket to research the marketing offer but they wouldn't guarantee to honor the offer. I chose to immediately close the account because it felt like a bait and switch. They get me on the hook for a marketing offer, but then due to the hiccup of Delta 's website, but don't follow through. Very deceptive, and worthy of a review of their marketing practices as it pertains to another party 's website being able to properly fulfill on the promise made by Amex. They should have honored the request, no questions asked.

AMERICAN EXPRESS COMPANY

VA

23222

Consent provided

Web

2023-02-22

Closed with explanation

Yes

2021-04-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

EQUIFAX, INC.

TN

38125

Consent provided

Web

2021-04-06

Closed with explanation

Yes

2019-11-13

Debt collection

Auto debt

Attempts to collect debt not owed

Debt was already discharged in bankruptcy and is no longer owed

Already took it off my XXXX but will not take it off my XXXX the loan is from 2009 originally

Riverwalk Financial Corporation

FL

330XX

Consent provided

Web

2019-11-13

Closed with explanation

Yes

2022-08-03

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

Good Morning, This is my second time having to contact you all re : Discover. I do not dispute that I owe them money, however, I called them many months ago to explain that I am not currently working full time due to effects of long term covid. They agreed to lower my interest rate to under 10 % ( from an obscene 25 % ) and to move back the date my payment is due by a week because that is when I get paid. Instead, I have been charge 4 late payment fees totaling {$160.00} and interest at 25 %. For instance, I made a {$1000.00} payment a few days ago on XX/XX/XXXX and they still charged me a {$40.00} late fee. ( I was late by 3 days after I had asked them to change my payment date. ) I don't understand why they are doing this and are not honoring their agreement. I will pay my debt, but I'm asking them to live up to their agreement and remove both the {$160.00} worth of late fees and the many hundreds of dollars they have overcharged me in interest. And on a personal note, I thought this was the way it's supposed to work ... in the sense of, a person is struggling and they contact a company to help them during a rough time and the parties come up with a reasonable solution. I've held up my agreement but Discover continues to overcharge me and seem uncaring about a medical condition that is placing me into severe financial difficulty. I am asking for your help as each time I contact them, they give me rote answers and false promises that they will get it corrected. I am at wit 's end with Discover and need some help. Thank you in advance for your assistance.

DISCOVER BANK

VA

245XX

Consent provided

Web

2022-08-03

Closed with explanation

Yes

2022-11-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

FL

331XX

Consent provided

Web

2022-11-20

Closed with non-monetary relief

Yes

2023-08-15

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

Experian Information Solutions Inc.

NC

28304

Consent provided

Web

2023-08-15

Closed with explanation

Yes

2023-08-03

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

Credit reporting

Incorrect information on your report

Personal information incorrect

By the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 ( a ), consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. XXXX and Experian are consumer reporting agencies, and I am the consumer. As a consumer, I possess the right to safeguard my private information, supported by 15 USC 6801, emphasizing that financial institutions are obligated to protect customers ' nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report if instructed in writing by the respective consumer. I have not given XXXX, Experian, or XXXX XXXX ( financial institution ) written consent for furnishing information to the credit agencies. Therefore, any consent given in the past, be it verbal, non-verbal, written, implied, or otherwise, is now revoked permanently. Furthermore, 15 USC 6802 ( b ) ( c ) dictates that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to a nondisclosure option. However, the institution furnishing information to the credit agencies never told me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) explicitly states that no consumer reporting agency can include adverse information in a consumer report without proper authorization. This XXXX XXXX account ending XXXX on the XXXX report with late payments and history ending XXXX with negative news on XXXX XXXX Report being reported as an adverse action, and it is being said without my consent, which is a violation of the law. Moreover, 15 USC 1681s2 ( A ) ( 1 ) A makes it clear that no information should be furnished to a consumer reporting agency if it is known to be inaccurate. XXXX and Experian are failing to maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to authorized purposes, as required by 15 USC 1681e. I have over nine hard inquiries from a list of companies, and 8 of them I've NEVER done business with. Lastly, by 12 CFR 1016.7, I retain the right to opt out of your reporting services anytime. Therefore, I am opting out of your reporting services immediately. I opted out a few years ago, and still, my information has been shared. I've used preemptive measures such as Identify theft programs for over two years to prevent inquiries, and I have been violated. In summary, I expect XXXX, Experian, and XXXX XXXX, as consumer reporting agencies, to adhere to the legal requirements outlined in the FCRA and other relevant regulations, ensuring that my private information is handled with fairness, accuracy, and respect for my privacy rights. As a consumer, I am asserting my rights and requesting that my data not be disclosed without proper authorization. Preferred Result Immediate deletion of the following from my credit report as is necessary to rectify the violations : UNAUTHORIZED INQUIRIES XXXX XXXX XXXXNever applied for a loan XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX CA 92612-LAST ITEM I APPLIED FOR CREDIT WAS FOR MY TRUCK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ONLY COMPANY I RELEASED MY INFORMATION TO WAS XXXX REQUESTED ON XX/XX/XXXX. ADDRESS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ADVERSE INFORMATION XXXX XXXX Unauthorized reporting of transaction for {$570.00} reported on XX/XX/XXXX. XXXX XXXX Credit Card Unauthorized reporting of transaction for {$1200.00} reported on XX/XX/XXXX. XXXX XXXX XXXX XXXX Unauthorized transaction reporting for {$38000.00} reported on XX/XX/XXXX and for late payments. And {$1000.00} per violation of the FCRA. Genuinely and in good faith, 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

30080

Consent provided

Web

2023-08-03

Closed with explanation

Yes

2021-10-16

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

Credit reporting

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

Their investigation did not fix an error on your report

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$340.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$500.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$230.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$320.00} This is a formal complaint against XXXX, XXXX, and TransUnion. I have disputed this account with the credit bureaus since XX/XX/2021, I have sent my first letter to the bureaus on XX/XX/2021 to be exact.. and they still haven't made a resolution to this problem. I am disputing these accounts because I do see some information that is reporting inconsistently. I believe it is my right as a consumer to ask for validation, correction, or deletion of these items if they are being reported erroneously. I have attached my evidence that the CRAs are confirming that the information that was there was wrong however they're not willing to budge in the rest of the detail and I feel that I'm highly compromised and therefore I'm needing for them to take action or make a speedy resolution on this because I need to be able to access my credit and this is actually hurting me more than it's doing me good.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

37130

Consent provided

Web

2021-10-16

Closed with explanation

Yes

2018-11-21

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

The company XXXX XXXX appeared on my XXXX credit report on XX/XX/XXXX and on XX/XX/XXXX. It appears to be finance and personal under business type. When I contacted the company, they informed me that my social security number and other identifying information was used in an attempt to acquire a car loan. I informed the company that I have not submitted any form of application for auto financing and that this inquiry was initiated without my consent or knowledge or permission. The company said they will document the issue and contact me back with further instruction. I have yet to hear back from the company and each time i contact them further, I am told the same thing.

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

FC HoldCo LLC

IL

60647

Consent provided

Web

2018-11-21

Closed with explanation

Yes

2021-08-27

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

On approximately XXXX, i bought a XXXX XXXX console from XXXX-XXXX, using Paypal credit , synchrony bank. Vendor is a scammer, he shipped an item to my neighbor. It was not addressed to me and was not sent to my address. Vendor claimed item was shipped to ME, printed my name and address on an invoice and submitted that forged invoice as well as Real shipping tracking number from united states postal service. Excellent news for me, as this was the proof used by him to, paypal. I used that shipping number, went to usps, got the print out, faxed that usps tracking report to paypal as my evidence that no item was shipped to my address. Here is where synchrony bank is perpetuating the scam, and providing the scammer with easy victims. They accept his usps tracking number as evidence for the vendor, to claim a charge against the consumer, but that same exact evidence can not be used by the consumer ( because they will not or do not as a corporation, verify tracking ). How is it legal to claim an item was shipped to the consumer, yet the evidence proves it was not, BUT its not their responsibility to verify the validity of a tracking number, although they have no issues with it as proof of a shipment? They insist i return the item shipped, again not to my address, my neighbors. The item shipped has been turned over to the usps inspector in XXXX, arizona. Not that it matters that the fraudulent item is now in the hands of the us govt ( USPS ), paypal thinks i need to pay for an item NOT shipped to me, and their own merchant provided the usps tracking number. Paypal credit synchrony bank, tracking XXXX. Vendor was reported to ftc and XXXX XXXX, and has since changed his website name, and opened a new LLC for it. Dispute amount is XXXX. Many interest charges as well as accounting errors have fluctuated the amount. Consumer name under paypal credit account is XXXX XXXX. Scammer is XXXX XXXX. XXXX using unfair trade practices to include the perpetuation of the fraud, is synchrony bank, paypal. They do NOT verify shipping tracking numbers used to defraud customers.

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

SYNCHRONY FINANCIAL

AZ

85713

Consent provided

Web

2021-08-27

Closed with monetary relief

Yes

2022-11-13

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

Credit reporting

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

Their investigation did not fix an error on your report

equifax, XXXX and XXXX has some accounts on my credit that is not mine.

EQUIFAX, INC.

FL

336XX

Consent provided

Web

2022-11-13

Closed with explanation

Yes

2022-08-13

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

Credit reporting

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

Their investigation did not fix an error on your report

XXXX will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with TD auto Finance they also have potentially negative i contacts the td finance and they told me to dispute thru XXXX but XXXX will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my TD auto Finance the one that is open XXXX correctly I have never been late and I would like TS auto finance contact to confirm this is correct. I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need TD a auto Finance to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.

TD BANK US HOLDING COMPANY

FL

33321

Consent provided

Web

2022-08-13

Closed with explanation

Yes

2023-02-28

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX Balance : {$410.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TN

38305

Consent provided

Web

2023-02-28

Closed with non-monetary relief

Yes

2022-06-07

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX, XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

CAINE & WEINER COMPANY, INC.

OK

73110

Consent provided

Web

2022-06-07

Closed with explanation

Yes

2022-09-03

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

n accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX XXXX XXXX has violated my rights. The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ALL NEGATIVE ACCOUNTS LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

CA

90047

Consent provided

Web

2022-09-03

Closed with non-monetary relief

Yes

2022-11-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Please note, this is not a duplicate complaint, I'm sending this complaint because Experian turned me down with my dispute an error on my report. I had to do my own investigation and provide new evidence to this matter. So, XX/XX/2021, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter responded on XX/XX/2021, stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as XXXXXXXX XXXX Accurate?? They never did a fair investigation according to the 15 USC 1681. The clerk of courthouse pulled up the record by my social security number and name and address and no result. Please see attached with this complaint. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. According to : 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

Experian Information Solutions Inc.

IL

60517

Consent provided

Web

2022-11-06

Closed with non-monetary relief

Yes

2023-09-06

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33189

Consent provided

Web

2023-09-06

Closed with non-monetary relief

Yes

2022-05-05

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

EQUIFAX, INC.

PA

17110

Consent provided

Web

2022-05-05

Closed with explanation

Yes

2022-08-02

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. XXXX. XXXX XXXX # XXXX BAL : {$680.00} XXXX. XXXX ACCNT # XXXX BAL. $ {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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.

TX

77054

Consent provided

Web

2022-08-02

Closed with non-monetary relief

Yes

2022-04-21

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

I am a federally protected consumer. I am directing this complaint against Transworld Systems Inc, for committing identity theft. Upon reviewing my credit report i noticed a fraudulently furnished account ( ACCT # : XXXX ) made by Transworld Systems Inc. I have never given Transworld Systems Inc, any permission to use any of my identifying information to commit mail fraud by contacting me in reference to an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S.Code 1692e ( 12 ). I have not validated any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX, I have not received any documentary evidence, such as a trilateral contract, giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Transworld Systems Inc, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Transworld Systems Inc, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc, continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

TRANSWORLD SYSTEMS INC

FL

32209

Consent provided

Web

2022-04-21

Closed with explanation

Yes

2022-09-03

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

Credit reporting

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

Investigation took more than 30 days

The accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. XXXX 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.

CA

90272

Consent provided

Web

2022-09-03

Closed with non-monetary relief

Yes

2023-03-16

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

i am a customer of Chime Bank for over 1 year! For 1 whole year, I have been a loyal bank customer with them, having my checks direct deposited into my checking account. I filed my taxes, and my taxes were set to be deposited into my chime checking account I believed to be on XX/XX/XXXX. in which, it was deposited! The next day as I'm going to cash my last check because I have been let go from my employer i received an email from chime stating that my account and funds are on hold! i proceed to call them to get an explanation in which they said that my account is being closed along with taking my tax refund that i worked all year for! I reached out to see what can be done to get my funds back and account and they generated a link to my email stating that they need two types of ID, proof of address, a selfie with today 's date, and a PDF stating where the funds came from and when it was deposited, ( although this is a national bank that is aware and documented what funds are being deposited into accounts knowingly that the IRS sent me my tax refund ) I still proceeded to work with them and sent them all information needed for them so i can regain access to my funds! ( they took my funds on the 1st of the month knowing i was just let go of my job and rent is due along with a whole list of other things ) I have called and emailed them and they seem to disregard all communications with me, not responding to my emails, generating a document link which i have completed on XX/XX/XXXX and they continue to ignore my phone calls and refuse to transfer me to a supervisor. I'm in need of help immediately i am going to get evicted from my house and have my cars repossessed and credit cards closed if i don't get help into getting my refund back. what they are doing is unlawful and disgusting ruining people 's lives and stealing from the hard-working class!

Chime Financial Inc

MA

010XX

Consent provided

Web

2023-03-16

Closed with explanation

Yes

2021-08-16

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

Credit reporting

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

Their investigation did not fix an error on your report

Equifax is reporting items on my credit report which are inaccurate i have sent them documentation on many occasions from the source they claimed to have verified it from that the information they are reporting is incorrect and they have yet to fix the problem

EQUIFAX, INC.

MD

XXXXX

Consent provided

Web

2021-08-16

Closed with explanation

Yes

2022-08-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 15 U.S.C. 1681 Section 602 A States I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23234

Consent provided

Web

2022-08-26

Closed with non-monetary relief

Yes

2021-06-04

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

Credit reporting

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

Their investigation did not fix an error on your report

My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian.

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

Experian Information Solutions Inc.

NY

119XX

Consent provided

Web

2021-06-04

Closed with non-monetary relief

Yes

2017-09-02

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

Credit reporting

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

Their investigation did not fix an error on your report

On XXXX I submitted a request to XXXX Equifax and XXXX. Transunion is the ONLY one who complied. Equifax and XXXX have yet to respond or comply with my section 609 request as of today X/X/2017. I requested that they provide me PROOF of verification verses a verified response as I am a victim of identity theft.

EQUIFAX, INC.

TX

75115

Consent provided

Web

2017-09-02

Closed with explanation

Yes

2022-03-25

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Received bad information about your loan

My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!

Maximus Education, LLC dba Aidvantage

NJ

088XX

Consent provided

Web

2022-03-25

Closed with explanation

Yes

2021-07-23

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

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

XX/XX/XXXX i was coerced into purchasing a XXXX XXXX XXXX from XXXX XXXX XXXX. I was strapped for cash and my credit was at a very low rate to rising bills. At that time i was new to the City in which i reside, with 3 kids, and working from XXXX to XXXX XXXX in the morning. I had no other transportation nor any family hear. When i originally signed documents to finance a vehicle, the vehicle was a XXXX XXXX XXXX XXXX. I feel as if this was a scare tactic of the Car Dealer to put a person whom they know can not afford a top dollar vehicle, in the vehicle finance, then to only come back with a high dollar amount the dealer knew i could not afford. Then, the dealer ultimately offers the customers a vehicle that with high interest rates and low value, making the consumer feel as if they must take any vehicle they are given by the dealer. My vehicle was a XXXX XXXX XXXX, financed at XXXX and it was only valued at XXXX, making the financing company charge me XXXX in interest. At the time of purchase my father had, had a XXXX in my hometown, in which I was in desperate need for transportation. XX/XX/XXXX I lost my job and was out of work until XX/XX/XXXX, I contacted Santander Consumer USA, regarding my payments on this vehicle numerous times due to my ineligibility to pay the high monthly. They afforded me 2 months to make payments but then added the payments to the end of my loan with double interest. This past year XXXX Santander Consumer was sued by the state of Georgia due to unfair practices. Where i believe I do fall under the class action suit. When I placed several calls to Santander USA, i was met with rude, unfair telemarketers who was not willing to help. One receptionist even told me " I don't have to give you anything '' when I requested for help with the loan. I informed her of the law suit where the Supreme Court deemed Santander Liable, and able to afford consumers a break. She began to berate me and tell me that i am a grown woman and i should make better choices with my money. I had to hang up because i began to feel nauseous an sick.

Santander Consumer USA Holdings Inc.

GA

302XX

Consent provided

Web

2021-07-23

Closed with monetary relief

Yes

2023-06-16

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

Credit reporting

Incorrect information on your report

Account information incorrect

On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that XXXX XXXX XXXX properly investigated this account because there are obvious inaccuracies. First off, the Account Number does not match. XXXX is reporting XXXX while XXXX and Transunion are reporting XXXX. If this has come from the same furnisher there is no way the Account Number can be different. The date of the last activity does not match- XXXX is reporting the date of the last activity as XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. The date of the last payment does not match- XXXX is reporting the date of the last payment as XX/XX/XXXX while XXXX and TransUnion are reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of the first delinquency is wrong as well as manipulating the statute of limitations. XXXX is reporting a monthly Payment on a charge-off account- It is to my knowledge that a charge-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case. XXXX XXXX XXXXXXXX has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting too XXXX XXXX XXXX has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95834

Consent provided

Web

2023-06-16

Closed with non-monetary relief

Yes

2023-08-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The payment history of my account has been inaccurate, and incomplete. In accordance with the fair credit reporting act, This creditor has violated my rights. Under 15 U.S.C 1681 section 602 States, I have the right to privacy 15 U.S.C. 1681 section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions Under 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have given them multiple opportunities to cure and remedy these continuous and willful violations of my consumer rights. They have consistently ignored, stalled, and not rectified these harmful and hurtful assasination of character. # XXXX XXXX XXXX XXXX / XXXX closed account on XX/XX/202XXXX XXXX

Self Financial Inc.

TX

75181

Consent provided

Web

2023-08-20

Closed with explanation

Yes

2023-05-22

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

Credit reporting

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

Their investigation did not fix an error on your report

Hello. I sent letters to all 3 credit bureaus on XX/XX/2023. I asked them per the FCRA 609 clause to provide physical evidence of the accounts in question and also I provided proof of my address and asked the other incorrect addresses to be removed.I have yet to receive anything and the XXXX will be 30 days.

EQUIFAX, INC.

TX

76262

Consent provided

Web

2023-05-22

Closed with explanation

Yes

2018-08-25

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have disputed and am still disputing this late pay with XXXX XXXX. Until Today, I was unable to find all the proof I needed. Now I have it ... This late pay XXXX XXXX Keeps Reporting needs to be removed from my credit report. It is a 30 day late payment from almost 2 years ago. That is how long I have been asking them to remove it. I had to search old emails to find this. On the attached email, you will find the XXXX representative who assisted me, as well as the the TAX office person who assisted me. This XXXX representative was very helpful, in submitting this error to the credit department for removal. However it still has not been removed. What happened..Due to a tax exemption, XXXX was overcharging me. They eventually straighten it out and even sent me money, however they somehow charged me a 30 day late in the process. During this, I was told I did not have a payment and cancelled a check. XXXX is saying this is returned check, which is not true, as the money was already in escrow. Im asking XXXX to do the simple and right thing, and remove this one late pay as they promised. Please talk to the XXXX rep. She was very helpful and promised to assist me in getting it off my credit report. She stated it was being handled, before she changed departments and that it was submitted already for removal.

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

Experian Information Solutions Inc.

TX

76513

Servicemember

Consent provided

Web

2018-08-25

Closed with explanation

Yes

2021-07-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Back in XXXX my wallet was stolen and I recently in XXXX noticed things on my credit report that are not mine. My wallet at the time had a debit card, social security card, and Identification Card. I filed a police report lately after noticing these accounts because I was purchasing my first mortgage. I have reached out to all three credit bureaus and nothing has been done at this point. I have also filed a FTC report as well. I have done all the necessary steps to get this resolve and need your help.

EQUIFAX, INC.

NJ

080XX

Consent provided

Web

2021-07-25

Closed with explanation

Yes

2023-06-01

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

I purchased a workout bike for my wife from XXXX back in XXXX XXXX XXXX and immediately reached out to the company due to what appeared to be faulty installation. After my wife used the bike the first time she noticed the bike was faulty, as buttons did not work properly, if at all, and the system itself was not performing as expected. In other words we were not satisfied with the purchase. I attempted to reach out to the company via email, phone, and through their XXXX app several times to request a refund and let them know about the faulty/defective issues within the first month, and I never received a live agent on the phone, no one ever responded to attempts to contact the company on the app, and to date still have not received a response to my email. After the thirty day period to request a refund had passed and it seems the company deliberately did not respond to get to this point, I made payments in good faith as to not ruin my credit which I worked hard to build even while the company continued to be unresponsive to the issues with their product. In XXXX XXXX XXXX, I finally got a live agent on the phone ( XXXX XXXX ) who basically told me I need to fix the bike myself, as they would not send out a tech to fix the bike. I took the complaint to XXXX and suddenly someone from XXXX ( XXXX XXXX and XXXX XXXX XXXX reached out on XXXX. When I told them I attempted to return the product within the thirty-day return window, they indicated they will not accept a return nor provide a refund but they will send out a tech to repair. Clearly not what I wanted as I was approximately five months with a defective and faulty product that had not been enjoyed up to this point. To date, a tech came out three times and the bike is still not functioning as expected. The company is still refusing to provide a chargeback and refusing to accept a return of this product they failed to give me the opportunity to do within the first thirty days, yet they continue to attempt to collect as well as report me to credit bureaus.

TD BANK US HOLDING COMPANY

CA

92504

Consent provided

Web

2023-06-01

Closed with monetary relief

Yes

2021-07-22

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

I have contacted the companies below via US Mail to first validate the date and then to offer a settlement amount so that I can be rid of these derogatory marks. After disputing with the three major credit bureaus, the debt comes back verified by their standards each time, however the collection agencies have not provided any documentation of the debt validation to me. In addition, I have mailed a letter requesting a settlement of the debt and they will not respond. The collection agency must respond within a certain timeframe in order to validate the debt and it appears that they can just continue to ignore my efforts to confirm what these debts are for and to come to an agreement on satisfying them. The most recent letters were mailed on XX/XX/XXXX. Previous letters were mailed XXXX, XXXX and XX/XX/XXXX. XXXX and XXXX has reported under several different names, including XXXX XXXX, XXXX and XXXX XXXX. This agency also continues to add additional amounts to the debt every few weeks, when is it obvious that I do not owe this company a dime and have never had any contracts or communication with them. XXXX and XXXX XXXX XXXX XXXX XXXX, TN. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX

WAKEFIELD & ASSOCIATES, INC.

MO

XXXXX

Consent provided

Web

2021-07-22

Closed with explanation

Yes

2018-12-11

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX

EQUIFAX, INC.

GA

30240

Consent provided

Web

2018-12-11

Closed with explanation

Yes

2022-04-12

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I downloaded XXXX XXXX XXXX and paid for the services and found four accounts that have been opened in my name that wasnt opened by me. My identity has been stolen and Im not sure what to about it. I know the person thats responsible for three of the accounts so what do I do?

CAPITAL ONE FINANCIAL CORPORATION

KY

40160

Consent provided

Web

2022-04-12

Closed with non-monetary relief

Yes

2022-10-31

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

Credit reporting

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

Was not notified of investigation status or results

15 USC 1681i ( a ) Reinvestigation of disputed ( I ) Reinvestigation information Notice is of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than b business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency, ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) - ( 1 ) a statement that the reinvestigation is completed ; ( li ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( li ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information/contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. " XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : XXXX XXXX XXXX # XXXX Accounts : US Bankruptcy Court # XXXX Accounts : XXXX XXXX company # XXXX Accounts : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Accounts : XXXXXXXX XXXX XXXX XXXX

EQUIFAX, INC.

TN

374XX

Consent provided

Web

2022-10-31

Closed with explanation

Yes

2022-10-25

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

On XX/XX/XXXX I called Comenity-XXXX XXXX XXXX XXXX and paid my balance due of {$180.00} At that time I repeatedly told the call taker that I was canceling the credit card associated with this account. The call taker was extremely rude. I just received a bill for {$2.00} from this company. I called today and was informed it is residual interest and the card had not been canceled. I repeatedly told the agent on XX/XX/XXXX that I wanted the account closed. We immediately destroyed the XXXX cards associated with this account. I called today to find out why I was getting a bill for {$2.00}. I was informed the account was not closed and the {$2.00} is residual interest and it is due on XX/XX/XXXX and if it was not paid additional fees could be added to the balance. I refuse to pay any money for a account that I repeatedly asked to be closed and paid my balance off. Money is being sought from me because a employee failed to do their job properly. We had this account for over XXXX years.

Bread Financial Holdings, Inc.

VA

227XX

Older American, Servicemember

Consent provided

Web

2022-11-21

Closed with monetary relief

Yes