Datasets:

aciborowska

/

customers-complaints

like 1

2022-04-13

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

On XXXX XXXX I noticed a XXXX payment around XXXX dollars on my chase account I didnt make. I had lost my phone so I think thats how they did it. My daughter has my email account on her phone so she saw the alert and I called right away to let them know it was fraudulent but the rep said the fraud department was closed for XXXX and all he could do was just freeze the account. He told me to call on the next business day. I called and the fraud department said it was too late to stop because it had already gone through. I had called right away, I did my part. They are the ones that werent available. They then sent me a letter saying that they dont believe the XXXX was fraudulent even though they had to change my username and password to the account and basically make it new. I am extremely upset, this is the first time chase has let me down.

JPMORGAN CHASE & CO.

TX

78521

Consent provided

Web

2022-04-13

Closed with explanation

Yes

2018-08-06

Checking or savings account

Checking account

Managing an account

Cashing a check

I strongly feel that I am a victim of check fraud. Bank of America assumes that I was involved with the check fraud and has charged me with the stolen funds ; they applied the stolen {$2000.00} to my checking account making my balance negative {$2000.00}. I feel Bank of America is responsible for these stolen funds, they approved and cleared the check, only to find out almost 30 days later, they cleared the funds from the account from which the checks were drawn from. A woman ( XXXX XXXX ) who myself and my family came to know for the past 6 months, asked me to cash her payroll checks on 3 different occasions. Ms. XXXX did become close to our family. We felt sorry for her. She told us things that have happened to her to include her currently living situation and struggles. She approached me and asked me to help her cash her paycheck on XX/XX/XXXX. I was aware that her driver license was expired. She told me that she got pulled over by a XXXX police officer and got a ticket for driving with a suspended license. She said that she could not cash her checks so her employer made her check out to " cash '' or " blank '' in the pay to order of. I believed her. I deposited the checks and gave her a portion of the check and proceeded to give her the rest once each check cleared. The checks are from another Bank of America customer ( XXXX XXXX XXXX Bank of America checking account # XXXX ), so it takes 1 business day for the funds to clear and about 2 business days if the deposit was made on a weekend. After the 1st check cleared all the way, I felt comfortable and agreed to cash the next two checks. The checks were made payable to me and I deposited them to the Bank of America ATM located at XXXX XXXX XXXX. XXXX, CA. I bank at this location. Check No. Name/Business Stamped on Check Bank of America Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After some strange incidents, myself and my family started to tell her not to come around. I warned her about the check activity, as someone advised me, while the checks did clear, IF they are stolen or fraudulent, the person ( s ) or business from where they were taken, will eventually reconcile their books and at that point, the bank will be involved. In addition, after calculating the check amounts, she would be making a lot more per hour or annually than me in a short period of time, approximately 11-12 days from the 1st check ; at this pay interval/frequency, she would be making approximately {$180.00} per hour as a caregiver. I called Bank of America sometime during the week of XX/XX/XXXX to report suspected check activity. I was notified that I would responsible for the amounts of the checks, as I did cash them. They ignore the fact that this situation could very well be fraud. They said, regardless of the supposed crime, I would be solely responsible and will have to pay for it myself. As of this morning, Monday XX/XX/XXXX, my checking account was charged for the amount of {$2000.00} which made my balance negative. I immediately called the bank and the investigations unit advised me they are also investigating this matter ( reference # XXXX ). At this point, they asked me if I had any information about the individual that I helped. I gave them the same information I provided in this email to the XXXX Police department. I have also contacted the XXXX Police Department. Officer XXXX XXXX has taken my information and report. I did not commit a crime nor did deliberately try to fraudulently access and take funds that do not belong to me. I feel Bank of American should not charge me for their weak internal controls. They made the funds 100 % available after just 1 business day. This is not my fault and I had no way to check to see if Ms. XXXX check were stolen. This is the responsibility of the bank. Ms. XXXX apparently has a few aliases to include the last name XXXX ; her Date of Birth is XX/XX/XXXX ; of XXXX decent ; address is XXXX XXXX XXXX, XXXX, CA XXXX & car license plate # is XXXX ( light champagne colored small 4dr sedan ).

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

BANK OF AMERICA, NATIONAL ASSOCIATION

CA

95687

Consent provided

Web

2018-08-06

Closed with explanation

Yes

2021-03-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX nor XXXX XXXX XXXX to release my medical information to a third party. XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX and XXXX XXXX XXXX is to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization . 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.

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

Experian Information Solutions Inc.

OH

43219

Consent provided

Web

2021-03-12

Closed with explanation

Yes

2017-05-16

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

Recently while observing m y credit score a nd account overview on my XXXX XXXX app, I came across XXXX hard inquiry listings on both my XXXX and XXXX reports. On my XXXX report, there is an inquiry dated from XXXX XXXX , XXXX and the inquiry is with Syncb/amazon. This was never an authorized inquiry, no r one that I have ever been familiar with. I would like it removed from my credit score, as it states the estimated removal date is XXXX of XXXX . The other hard inquiry, which is on my XXXX report is an inquiry from XXXX XXXX , XXXX , which once again is an unauthorized and unfamiliar inquiry on my behalf that I would like to have removed from my credit score. This spe cific inquiry states it is from XXXX ( XXXX XXXX XXXX XXXX . ) a nd will be removed at an estimated date of XXXX XXXX .

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

SYNCHRONY FINANCIAL

FL

33830

Consent provided

Web

2017-05-16

Closed with explanation

Yes

2021-01-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

On XX/XX/XXXX, i entered a consumer credit transaction with XXXX XXXX. The total amount of the transaction was for {$10000.00}. On XX/XX/XXXX, I received a bill requesting that a payment be made. This transaction was also placed on my consumer credit reports which is a violation of federal law under the FDCPA. On XX/XX/XXXX XXXX received a letter from me asking to validate the debt and produce legal documentation that I am obligated to pay this debt. Their response was a letter stating that they confirmed the transaction history and that the information was current and accurate. Moving forward to XX/XX/XXXX, I sent them two documents. One being a debt validation letter and a cease and desist. These documents were sent via XXXX on XX/XX/XXXX and was delivered to the company on XX/XX/XXXX at XXXX XXXX. Today I am contacting the CFPB to get this matter resolved as quickly as possible, as the information on my credit report is illegal and is damaging my reputation.

EQUIFAX, INC.

FL

XXXXX

Consent provided

Web

2021-01-12

Closed with explanation

Yes

2023-06-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

EQUIFAX, INC.

FL

34744

Consent provided

Web

2023-06-26

Closed with non-monetary relief

Yes

2020-09-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have recently been taken my credit more seriously. After reviewing my credit profile I see that there has been inaccurate information reporting on my report due to identity theft. I have submitted a complaint with the FTC. These accounts are detrimental to my credit score and need to be removed immediately.

EQUIFAX, INC.

PA

19150

Consent provided

Web

2020-09-04

Closed with explanation

Yes

2017-07-28

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

Card issuer, American Express, refuses to send me paper statements despite my request they do so. Their stated position is statements are available electronically and can be printed. Personally, I prefer to receive paper statement in the mail for review and as a payment reminder. I have incurred late fees for delinquent payment, which I will attribute to not being aware a payment was due. I prefer to receive paper statements in the mail as a way to manage my personal finances and payment obligations. I think card issuers should be required to provide paper statements if only upon request. Can you help me with this?

AMERICAN EXPRESS COMPANY

PA

19348

Consent provided

Web

2017-07-28

Closed with non-monetary relief

Yes

2022-06-10

Vehicle loan or lease

Lease

Struggling to pay your loan

Loan balance remaining after the vehicle is repossessed and sold

After the vehicle was repossessed, Nissan Motor Acceptance XXXX ( NMAC ) failed to provide us with the proper redemption options in writing... prior to the sale of the vehicle. Additionally, NMAC also knowingly failed to properly sell the vehicle within the time frame mandated by both state law. And, in doing so... has continued to violate consumers ' rights by falsely reporting a balance as PAST DUE after failing to legally provide me with proper redemption disclosures before the sale took place & also failing to dispose of the vehicle as required by state law. And, finally ... NMAC has also continued to falsely report a past due balance even after already selling the debt to a 3rd party debt collector and/or authorizing a 3rd party debt collector to collect the debt on its behalf ... which should be invalid anyway, due to NMAC 's failure to provide proper redemption paperwork prior to the sale and/or disposing of the vehicle in a manner which violated one or more of Kentucky state law.

NISSAN MOTOR ACCEPTANCE COMPANY LLC

KY

40509

Servicemember

Consent provided

Web

2022-06-10

Closed with explanation

Yes

2023-04-15

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

I opened a personal checking account thru their online process on XXXX XX/XX/2023 with an initial deposit of {$50.00} paid from my debit card. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXXXXXX XXXX where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. It's been almost three months and my {$50.00} deposit has not been returned. I have confirmation from XXXX XXXX XXXX that it was paid, and even Truist customer service reps acknowledged that there is a {$50.00} balance on the account and they said i should receive a check at the mailing address i provided, but that still hasn't happened.

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

TRUIST FINANCIAL CORPORATION

OH

44124

Consent provided

Web

2023-04-15

Closed with monetary relief

Yes

2022-11-23

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

XX/XX/2022 Deposited amount : {$160.00} I called the company they said theyd go into an investigation about it but there atm didnt say it had any errors at all and there may not be anything they can do.

PNC Bank N.A.

OH

45005

Consent provided

Web

2022-11-24

Closed with monetary relief

Yes

2020-06-20

Debt collection

Medical debt

Took or threatened to take negative or legal action

Threatened or suggested your credit would be damaged

Thank you for reviewing the complaint. After reviewing the credit report DBA Pargon Avenue which is collecting on behalf of XXXX XXXX XXXX continues to place items on the credit reports. Requesting validation of all information pertaining to the amount displayed. If coverage was out of the network, no financial assistance wasn't offered.

Jon Barry and Associates, Inc.

NC

28212

Consent provided

Web

2020-06-20

Closed with explanation

Yes

2017-08-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In XX/XX/XXXX, my husband and I sold our old house and purchase a new one. Once moving into our new house, I received a XXXX XXXX XXXX XXXX with a {$6500.00} credit limit that was mailed to my old mailing address but luckily forwarded to my new house. I did not apply for this card so I called chase and cancelled my credit card. Since then, I have had 3 XXXX XXXX application submitted in my name without my knowledge until it shows up from my credit alerts. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All applications were denied. All were applied under my old address. I have called XXXX each time and told them I did not apply for these cards and please send the credit bureaus a request to take this off my credit report but with no prevail. I have researched and it seems many people are having the same issue with XXXX and XXXX around the XX/XX/XXXX time-frame and once the buy a new house. I do not have any other fraud alerts coming across for any other cards just XXXX XXXX, please Help this is ruining my credit.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

275XX

Servicemember

Consent provided

Web

2017-08-08

Closed with explanation

Yes

2020-12-23

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

I am going through the process of purchasing a home. My lender suggested that I pay this collection off even though it was due to fraudulent activity. I decided to follow that advice and settled the account with Portfolio Recovery Associates even though it was not my debt as I want to own my own home, I settled the account on XX/XX/XXXX and received the attached confirmation. They told me that they would request deletion of the account within 30 days. Fine. BUT instead they update the account with all the credit companies to reflect a balance of XXXX $ and then on XX/XX/XXXX, they reported an balance INCREASE of XXXX . This is the same amount that I paid them ( document attached ). It decreased my credit score by 34 points. I called them on XX/XX/XXXX and could not get through to the disputes department and the general customer service department was unhelpful. I send an email, also attached. I was finally able to speak to someone in the disputes on XX/XX/XXXX and she was also incredibly unhelpful. She told me that they updated with the credit companies on XX/XX/XXXX and had no record of the update done on XX/XX/XXXX. She also tried to convince me that I was mistaken. I told her that I was looking at the report as I spoke to her. Not sure how she could tell me I was mistaken if her system couldn't tell her what had even happened on the XXXX. She said she would forward my complaint to another depart and I should hear back in 72 hours. I do not have 72 hours to wait. They messed up significantly and this problem should be resolved IMMEDIATELY due to their reporting incompetence. A fair resolution would be to request immediate deletion of their account or refund me my money. If I lose my loan funding or have my interest rates increase due to this situation I will be seeking compensation and restitution.

PORTFOLIO RECOVERY ASSOCIATES INC

CA

94804

Consent provided

Web

2020-12-23

Closed with explanation

Yes

2017-10-27

Vehicle loan or lease

Loan

Problems at the end of the loan or lease

Problem with paying off the loan

On XX/XX/XXXX we traded in our used XXXX XXXX for a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX, CO. On the XX/XX/XXXX we had a family medical emergency and our son was flight for life to XXXX Hospital in XXXX , CO . Which we were there for three weeks. During this time I received a phone call from our XXXX XXXX saying that we were over 30 days late on the XXXX that we traded in back in XXXX. I immediately contacted XXXX XXXX XXXX and spoke with a guy in the Finance Department. He looked into it and saw that we had not owned or had the XXXX since the date of XX/XX/XXXX and that the paper work that they had done on our new loan with the XXXX was done incorrectly and because of that the new loan was not yet processed and the credit union was not paid off because of this paperwork that was not done. He told me that this was immediately going to be corrected and that day they were going to down cut a check to XXXX XXXX XXXX CO for the XXXX and told me that they would take paperwork to them to show that we had not had possession of this XXXX since the beginning of XXXX. This was the first week of XXXX and now being XX/XX/XXXX, we noticed from a report that our credit has taken a huge hit. So, after calling the XXXX XXXX XXXX CO I was informed that they had just paid off the XXXX on XX/XX/XXXX. I have, once again called XXXX XXXX XXXX to tell them my issue ( again ) and demanded that they give me a letter or proof that we did not own this vehicle as of XX/XX/XXXX and that this needs to be corrected IMMEDIATELY!

NISSAN MOTOR ACCEPTANCE COMPANY LLC

CO

81504

Consent provided

Web

2017-10-27

Closed with explanation

Yes

2023-03-27

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. So please help on this, seeking assistance in getting the funds returned. CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, 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

208XX

Consent provided

Web

2023-03-27

Closed with explanation

Yes

2022-09-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

FL

33175

Consent provided

Web

2022-09-01

Closed with explanation

Yes

2019-05-31

Credit card or prepaid card

Government benefit card

Trouble using the card

Trouble using the card to spend money in a store or online

On Saturday XX/XX/XXXX around XXXX I walked into the Bank of America Branch on XXXX XXXX XXXX XXXX XXXX XXXX NJ. I indicated to the teller that I wanted to take the remaining balance from the account ( around {$1200.00} at the time ) and take it as cash or transfer to my bank account at another bank. The teller first indicated that the card was " just a card and not an account '' and as such she pointed me to the ATM complete my transaction. Due to daily ATM transaction limits and uncertainty of the safety of carrying around a large amount of {$20.00} bills from the ATM, I said I wanted to complete the transaction in the Bank. The teller went on to say that she did not think such a large amount should be paid out to " someone who is not a customer '' even after I provided my State ID as proof of my identification and would not complete the transaction. She then said there was an issue with the network that would allow the transaction. I do not believe there was a network issue. I believe this teller was unwilling to complete my transaction. Further, I demanded to speak to a supervisor who turns out was even more uncaring and told me to go to the ATM if the teller told him to.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

NJ

08901

Consent provided

Web

2019-05-31

Closed with explanation

Yes

2021-06-02

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

I received XXXX emails today from XXXX LVNV Funding regarding my XXXX XXXX Account said they had taken it over. Today is XX/XX/2021 XXXXXXXX XXXX. I have already setup payment arrangements with XXXX XXXX to get back on track and it seemed odd they would have turned it over to someone else. I called XXXX XXXX to confirm and they said they did not turn it over. It was for the wrong account number and wrong amount. Offering me a one time payment to catch it up. XXXX wrong number XXXX correct. Amount {$1500.00} they stated my actual balance with XXXX XXXX is a little over {$4500.00}. The Rep at XXXX XXXX suggested that I delete the emails and do not follow any links. I did look at when first came in but followed their directions. Company had my name, address, email, etc. but it was definitely bogus.

Resurgent Capital Services L.P.

CA

945XX

Older American

Consent provided

Web

2021-06-04

Closed with explanation

Yes

2023-03-13

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

I am a victim of identity theft and i have tried several times with the credit bureaus to correct fraudulent information they have posted within my personal credit file. Some of the creditors were able to request the bureaus to remove some information in which they did. The creditors that are still reporting on my file informed me to contact the credit bureaus to resolve the issue. The credit bureaus have not helped at all. This is really hurting my financial situation and my living stability as I am unable to rent an apartment or anything due to fraudulent items being on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

79938

Consent provided

Web

2023-03-13

Closed with non-monetary relief

Yes

2019-08-22

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX and 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

92553

Consent provided

Web

2019-08-22

Closed with explanation

Yes

2022-03-10

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

Credit reporting

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

Was not notified of investigation status or results

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) 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 interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 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 the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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

Experian Information Solutions Inc.

FL

33484

Consent provided

Web

2022-03-10

Closed with explanation

Yes

2023-08-03

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

Credit reporting

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

Their investigation did not fix an error on your report

Company removed one of the 30 day late payments but not the one that was disputed. The 30 day late payment in XX/XX/XXXX was paid and all evidence shows it was paid but is still incorrectly on my report as a 30 day late. The company removed the late payment from XXXX but not the one from XX/XX/XXXX.

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

Experian Information Solutions Inc.

NY

11710

Consent provided

Web

2023-08-03

Closed with explanation

Yes

2021-11-08

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

Credit reporting

Incorrect information on your report

Account status incorrect

I settled my account with XXXX XXXX XXXX and would like for this information to be removed from my XXXX and Transunion Credit Report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30331

Consent provided

Web

2021-11-08

Closed with explanation

Yes

2019-09-13

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

Credit reporting

Incorrect information on your report

Account information incorrect

TransUnion is reporting false information on my report. Even though the company has rectified the issue. The XXXX XXXX is not my account.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32211

Consent provided

Web

2019-09-13

Closed with explanation

Yes

2023-06-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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 numberXXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

48146

Consent provided

Web

2023-06-20

Closed with non-monetary relief

Yes

2020-02-28

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

Credit reporting

Incorrect information on your report

Account information incorrect

My credit report reflects two hard inquiries being made into my credit as follows : Inquiry from XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CO XXXX I never authorized these " hard inquiries '' and have tried to reach out to the above on prior occasions to have the issue rectified.

EQUIFAX, INC.

NY

10701

Consent provided

Web

2020-02-28

Closed with explanation

Yes

2021-10-02

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

ARS piece of paper did not contain all FIVE requirements pursuant to 15 USC 1692g which states : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification judgment will be mailed to the consumer by the debt collector ; and a ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ARS did not mention 3, 4, nor 5. Thats a violation and ARS owe me another {$1000.00} according to 15 USC 1692k civil liability. If ARS had the power to validate or verify anything, they wouldnt be mailing me a pointless piece of paper. Which, by the way, the law does not mention a bill or a statement as validation or verification. ARS have yet to tell me who originated this credit. I still do not owe this alleged debt. ARS also is committing mail fraud according to 18 USC 1341. I did not give my consent for ARS to communicate with me and Ive been attached a cease & desist letter. Thats another violation pursuant to 15 USC 1692c. I am attaching an invoice and I expect my check in the mail. ARS has 30 days. Youre on notice.

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

HCFS Health Care Financial Services, Inc.

NC

27705

Consent provided

Web

2021-10-02

Closed with explanation

Yes

2018-06-23

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/2018 Equifax received a certified letter of dispute ( s ) in regards of the following accounts ; 1.XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX XXXX # XXXX, # .3XXXX XXXX XXXX XXXX XXXX, 4. XXXX XXXX XXXX # XXXX, 5.XXXX # XXXX, 6.XXXX # XXXX, 7.XXXX XXXX # XXXX, 8.XXXX XXXX # XXXX, 9. XXXX XXXX # XXXX Also account listed as XXXX XXXX XXXX # XXXX, late payment dispute was never verified with proper 100 % accurate verification. More than thirty days have passed, and I have not received proof that you have validated or provided 100 % accurate verification, as in accordance with the Fair Credit Reporting Act section 609, 611.

EQUIFAX, INC.

AR

721XX

Consent provided

Web

2018-06-23

Closed with non-monetary relief

Yes

2023-01-30

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my FURTHER Complaint that I was the victim of identity theft. XXXX Fair Credit Reporting Act XXXX XXXX ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

GA

30044

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2023-06-19

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23608

Consent provided

Web

2023-06-19

Closed with non-monetary relief

Yes

2022-05-03

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

My name is XXXX XXXX, and I have never headed about a dispute, yet my dispute was for Membership Fees XXXX that happened on XX/XX/2022, for {$64.00}. My case number Is XXXX and XXXX, and my cash app tag is $ XXXX. Please open my dispute and give me credit.

Block, Inc.

PA

17057

Consent provided

Web

2022-05-03

Closed with explanation

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.

EQUIFAX, INC.

NY

11207

Consent provided

Web

2023-08-15

Closed with non-monetary relief

Yes

2023-04-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4300.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$740.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

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

Experian Information Solutions Inc.

NM

88310

Consent provided

Web

2023-04-06

Closed with non-monetary relief

Yes

2022-11-15

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

Credit reporting

Incorrect information on your report

Account information incorrect

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

33161

Consent provided

Web

2022-11-15

Closed with explanation

Yes

2015-06-29

Student loan

Non-federal student loan

Dealing with my lender or servicer

Received bad information about my loan

I am a co-signor on my daughter 's student loans. She fell 60 days behind XX/XX/2014 due to a job change. She & I contacted Navient on XXXX/XXXX/14 and spoke to a rep named XXXX. During the conversation he told us that if she gave her checking account information for the payments & make on-time payments in the subsequent 2 months, the negative report to the credit bureau would be removed. My daughter agreed and XXXX reconfigured the loans into a retroactive forbearance as we watched the account on line. My daughter has made the payments on time since then from her checking acct. The negative report is still on hers & my credit reports. When I contacted Navient they simply responded that the information reported is accurate & no corrections are warranted. Is it acceptable to lie about rescinding the credit report to us and make a retroactive forbearance on the loan?

Navient Solutions, LLC.

IA

52001

Consent provided

Web

2015-07-02

Closed with explanation

Yes

Yes

2017-05-18

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

Credit reporting

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

Their investigation did not fix an error on your report

TransUnion re-reported a debt on my credit report that had already been disputed and investigated over 4 years ago ( see page 4 of 7 on atta ched documents ) .The results of that previous investigation was that the collection record was removed from my credit report. According to the TransUnion copy of the consumers previous credit report ( File Number : XXXX ; Date Issued : XXXX / XXXX / XXXX - see also page 4 of 7 ), the record shows that the Original Owner ( XXXX XXXX XXXX XXXX ), and the amount ( {$330.00} ) were exactly the same. Late in XXXX I received a letter from a debt collection company called XXXX XXXX , demanding payment of the same debt that had been disputed, investigated, and removed from my credit report in XXXX . My challenge is that I no longer have a record of the resolution of that debt from over 4 years ago. My contention, and the basis for my dispute ( then & now ) , was that this debt has been paid. I sent TransUnion a letter dated XXXX XXXX , XXXX ( see page 3 of 7 on attached documents ) notifying them of this unsubstantiated demand for payment and requested a copy of the results of their previous investigation regarding this debt. TransUnion responded that they could not provide the record because there currently was no adverse entry on my credit report to base pulling the record on. Now there is. The NEW debt collector has reported the SAME debt record that had previously been investing and removed from my credit report. TransUnion elected to RE-REPORT ( see XXXX XXXX # XXXX on page 2 of 7 of a ttached documents ) the previously removed record, with a statement of consumer dispute and an inference that the record complies with the FCRA. To my knowledge, there is no provision in the FCRA that allows for the RE-REPORTING of a disputed record on the consumers credit report after an investigation resulting in removal of that record. There is no new supporting documentation supplied by the debt collector or the original owner, XXXX XXXX XXXX , XXXX , who would have been required to respond to the original disputed information reported by the previous debt collection company, XXXX XXXX ( see XXXX XXXX # XXXX on page 4 of 7 of attached documents ). An unrelated event, such as a sale to a third party, should not in and of itself be sufficient cause to RE-REPORT a previously removed debt record. Additionally, I submitted a complaint to the CFPB against this debt collector, XXXX XXXX , ( see previously submitted complaint # XXXX page 7 of 7 on attached documents ). To this date, debt collector XXXX XXXX , has been non-responsive to repeated attempts by the CFPB to make contact in order to respond to the consumers complaint. The previous record of this debt shows that it is just 6 months away from bein g Time-Barred Debt. ( See Estimated month and year that this item will be removed : XXXX on page 4 of 7 un der XXXX XXXX # XXXX on attached documents ). By TransUnion RE-REPORTING this old debt, it has the appearance of NEW debt on my credit report, in that it now has a NEW account number, a NEW Original Creditor and the NEW Placed for Collection Date now reads XXXX / XXXX / XXXX . This is a misrepresentation of the record of this debt and as such should be removed from the credit report. TransUnion should not have RE-REPORTED a record received from a debt collection company that has been non-responsive to the governing Federal Agency that oversees their industry, nor should TransUnion have RE-REPORTED this record without any new basis for disregarding the previous investigation and removal of that record. I request that TransUnion remove this record from my credit report. As documented throughout this narrative, this is clearly THE SAME DEBT that has already been disputed, investigated and removed from my credit report OVER 4 YEARS AGO.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MI

XXXXX

Consent provided

Web

2017-05-18

Closed with explanation

Yes

2021-02-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.

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

FAIR COLLECTIONS & OUTSOURCING, INC.

IN

46268

Consent provided

Web

2021-03-11

Closed with explanation

Yes

2023-08-09

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

Credit reporting

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

Their investigation did not fix an error on your report

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NY

11520

Consent provided

Web

2023-08-09

Closed with non-monetary relief

Yes

2023-09-18

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and deleted :XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

337XX

Consent provided

Web

2023-09-18

Closed with non-monetary relief

Yes

2019-07-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

GA

30345

Consent provided

Web

2019-07-02

Closed with explanation

Yes

2021-07-22

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was result of identity theft

In XX/XX/XXXX upon reviewing my paycheck I noticed almost {$300.00} were missing, after contacting payroll services i became aware that a " garnishment '' had been placed under my name in the total amount of {$680.00} ( don't know if there are more to come ). Contacted XXXX and they referred me to XXXX under a collection agency apparently called " first collect '' and spoke to " XXXX '' who would then inform of a hospital bill under my name. The hospital is " XXXX XXXX XXXX '' in XXXX DE, according to XXXX from First Collect, this people used all my info and even took advantage of using my own medical insurance, the " date of judgement '' is XX/XX/XXXX so i have no idea when the incident actually happened. Needless to say I have NEVER in my life visited the state of Delaware and have never had the need to visit a hospital in my life. I was able to provide an address for the collection agency to send to my job in order stop garnishing my funds and I was also made aware that the funds that have been taken out of this paycheck is " supposed to be reversed '' i just don't know if its true or when this will be done. This situation completely took me off guard because I have never seen a medical bill from this place in my credit report and i have never received a letter of collection to my address in TX or a phone call which makes me think the fraudster may have given some of her contact info. The only other information I know ( from the collection agency ) is that aside from using all my info there was an address in " XXXX Delaware '' on file but the actual address was not given to me. So this person might still live there. I do believe this may be an undocumented person using my information to work because back in XXXX I almost got denied for unemployment due to the fact that " I was working in the fields '' but it was definitely not me as there has not been a need for me to work in this line of business. This ( i suspect ) is due to a car break before XXXX in in where someone stole my SSN, birth certificate, ID and a few other documents items that were left behind in my purse ; A police report was made under the car owner ( my friend ) in XXXX TX.

FirstCollect, Inc.

TX

761XX

Consent provided

Web

2021-08-10

Closed with explanation

Yes

2022-10-20

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

On XX/XX/XXXX, we received a quote from XXXX XXXX over the phone. We proceeded to place an order for a palette of XXXX XXXX for {$350.00}, order # XXXX using our Capital One credit card. After realizing the shipping charge was higher than what was quoted over the phone, we called back and were advised by the associate to cancel the order online for a full refund, and place the order over the phone for a better shipping rate. We cancelled the order online, and immediately received an order cancellation email. It stated our order was 'Refunded ' with our original payment method underneath. We placed a second order for the same palette of grass over the phone. When we asked when we would receive the refund from the original order, we were instructed it could take up to XXXX business days to go back onto our credit card. Store credit was never mentioned, over the phone, on the website in their policies, or in the email, and if it was, we would not have cancelled this order, or would have used the store credit to make the second purchase. After XXXX business days, we still did not receive a refund, and called XXXX XXXX to follow up. The front desk clerk mentioned it was refunded on their end, so if we haven't gotten it yet, to call our credit card company. We filed a dispute with our credit card company, Capital One. Capital One has been extremely difficult to deal with, with us speaking to them for over XXXX XXXX on the phone. The first few representatives completely misunderstood the case, and filed XXXX incorrect purchase adjustments onto our account. On XX/XX/XXXX, we finally spoke to a XXXX that admitted Capital One made a mistake, that it is very clear we were owed a refund, and refunded us the money. The very next day, the {$350.00} credit was overturned again. We called back, and Capital One sided with the business, claiming XXXX XXXX provided proof that they had given us a store credit. We told Capital One that is not what was agreed upon during the transaction, and submitted the email that states the order was Refunded to Capital One as proof. Capital One continued to side with the merchant, despite the merchant lying about the promised refund in full. We called XXXX XXXX on XX/XX/XXXX and again on XX/XX/XXXX to try to understand what is going on, and the associate that answered the phone agreed that we are correct, and that it is supposed to be a refund. He didn't know why the owner of the company was stating otherwise in the legal dispute with Capital One, and that he can try to do whatever he can to get our refund. He made it clear that it is not some kind of miscommunication, and that the owner is purposely not refunding us the money owed. We asked to have the store owner or anyone on management team to call us, however after days of waiting we received no call back. XXXX XXXX owner XXXX XXXX has completely avoided any communication with us through this issue. We were bait-and-switched from receiving a full refund as promised. No product was delivered or service was performed. We have no account with XXXX XXXX, and their website defaults to a Oops! That page cant be found. dead link when clicking View status of your order. If we were made aware of a Store Credit, we would have used it to place the second order with the retailer, and are currently still trying to everything we can to recover our money in full from the purchase. Capital One is not accepting the Refund confirmation emails as proof, and is siding with XXXX XXXX despite XXXX XXXX shady practices. We believe XXXX XXXX is breaching Floridas deceptive and unfair trade practices act, and Capital One is denying the protection we assumed we had as our credit card provider.

CAPITAL ONE FINANCIAL CORPORATION

FL

32789

Consent provided

Web

2022-10-21

Closed with explanation

Yes

2023-05-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

NJ

070XX

Consent provided

Web

2023-05-31

Closed with non-monetary relief

Yes

2022-09-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

On XX/XX/2022 I gave written instruction and what to include and what not to include on my consumer report. This elaborate mechanism does not have permissible purpose and I did not give consent to furnish to furnish this information on my consume report. As a federally protected consumer my rights are still being violated. If my written instructions are not followed I will seek litigation.

EQUIFAX, INC.

IL

60505

Consent provided

Web

2022-09-13

Closed with explanation

Yes

2022-04-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I didn't apply for these accounts these accounts are fraudulent and I would like them removed.

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

Experian Information Solutions Inc.

PA

17701

Consent provided

Web

2022-04-26

Closed with explanation

Yes

2021-10-26

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX processed my monthly payment incorrectly without my knowledge and as of result reported me late tot he credit bureaus. I made my monthly payments and for 2 month they were applying a portion of my payment to excise tax without my authorization- they paid the tax with the money from the regular payment and as of result my credit score has significantly been impacted i called and submitted a dispute but they refuse to remove it from my credit score - once i got an alert i called them and immediately paid everything to bring the act current.

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

Experian Information Solutions Inc.

MA

02301

Consent provided

Web

2021-10-26

Closed with explanation

Yes

2022-10-02

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

I contacted the company on XX/XX/XXXX and they could not give me any information about my debt. All the representative did was run my credit report without notifying me that there was a monthly charge and only wanted to charge me to dispute them. He could not and wouldn't give me information about the loans through them.

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

Stern Recovery Services, Inc.

NC

28314

Consent provided

Web

2022-10-02

Closed with explanation

Yes

2023-04-26

Debt collection

I do not know

Attempts to collect debt not owed

Debt was result of identity theft

Received text message today from ph # XXXX. Messages says " Call us at XXXX or pay online using reference number XXXX at text.XXXX. Attachment of correspondence : From : First National Collection Bureau , Inc . TO : XXXX We are contacting you regarding an important personal business matter. This is an attempt to collect a debt. Any information obtained will be used for that purpose. This is a text from a debt collector. My husband had filed identity theft at our local police department and has notified all agencies involved. He is not receiving these messages. I am the one receiving messages. This is harassment from the debt collector.

Company believes it acted appropriately as authorized by contract or law

First National Collection Bureau, Inc.

AZ

860XX

Consent provided

Web

2023-05-31

Closed with explanation

Yes

2019-08-05

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

I havesent multiple ketters to credit bureaus in response to innacurrate information on my report. They claim to have " VERIFIED '' account that has not actually been verified. If they had they would see that it is not accurate. XXXX has already deleted because its innacuarte and Im pleading with the other bureau to do the same and plesse delete this information. Account XXXX XXXX XXXX. Its ruining my credit and I can't buy a house due this this. Please delete immediatly. I'm sending a picture to verify this information is innacurate so delete please

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

UT

84123

Consent provided

Web

2019-08-05

Closed with explanation

Yes

2023-05-16

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

Other personal consumer report

Incorrect information on your report

Personal information incorrect

I CONTACTED LEXISNEXIS OVER A MONTH AGO BECAUSE I ORDERD A COPY OF MY CONSUMER REPORT AND NOTICED IT WAS OVER 20 ADDRESSES ON THE REPORT THAT I NEVER HURD OF AND NEVER LIVED OR BEEN TOO SO I STARTED A DISPUTE AND THEY LEFT THE ADDRESSES ON THE REPORT SAYING IS VERIFED WHICH IS A LIE ONE OF THE ADDRESSES I LOOKED UP WAS A XXXX XXXX THATS HOW I KNOW THEY NEVER DID THEY JOB TO INVESTGATE OR DELETE THEY ALSO HAVE 5 INSURANCE COMPANIES ON MY CONSUMER REPORT ONE OF THE COMPANIES HAD ANOTHER PERSON NAME ON IT NOT EVEN MINE AND THEY SAID ITS VERIFED AND MINE WHICH SHOWS ME THEY NEVER LOOKED INTO IT I CALLED THE SAME COMPANY AND THEY SAID MY NAME NOT ON THE POLICY AND WAS NEVER ON IT THEY DONT UNDERSTAND WHY LEXIS NEXIS IS REPORTING THIS INFORMATION THE OTHER COMAPINES I CALLED THEY DONT HAVE MY LICENSE ON FILE OR MY SIGNATURE OR ANY INFORMATION TO CONFIRM I WAS THE PERSON TO APPLY OR OPEN UP THESE POLICYS, LEXIS NEXIS IS NOT DOING ANYTHING CORRECT ACCORDING TO THE FCRA AND I WILL TAKE THEM TO COURT IF THIS INFORMATION DOES NOT COME OFF

LEXISNEXIS

TX

770XX

Consent provided

Web

2023-05-16

Closed with explanation

Yes

2022-08-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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

Experian Information Solutions Inc.

IL

60643

Consent provided

Web

2022-08-09

Closed with non-monetary relief

Yes

2023-06-23

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I had a fraudulent inquiry on my credit report today. I was notified by XXXXXXXX XXXX. I looked and there was an inquiry by XXXX. I was shortly thereafter called by XXXX and asked if I had applied for a credit card with them. I had not. They informed me they had shut down the application and recommended I call the 3 credit bureaus independently to have this inquiry removed and reported as fraud. I did this. Each credit bureau then recommended I submit a fraud complaint on FTC.gov, from where I was redirected to the CFPB website. I am now submitting this.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

45459

Consent provided

Web

2023-06-23

Closed with explanation

Yes

2022-07-15

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

When reviewing eligibility for months that count towards XXXX I noted that loan months from XX/XX/XXXX to XX/XX/XXXX are eligible ; however, months XX/XX/XXXX to XX/XX/XXXX are ineligible. This does not make sense as the status of my loans during this time were the same and therefore should also be eligible. I did have a qualifying employer during months XX/XX/XXXX to XX/XX/XXXX which FedLoans should already have on record. I would like these months counted towards my XXXX qualifying payments. I have attempted to contact FedLoans ; however, no one is able to answer this question.

AES/PHEAA

NC

XXXXX

Consent provided

Web

2022-07-15

Closed with explanation

Yes

2018-02-16

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

Credit reporting

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

Their investigation did not fix an error on your report

Previously disputed a Chapter XXXX bankruptcy reporting on credit report. Asked for proof of accuracy of reporting and indicated that 7 years from discharge has passed and bankruptcy should be deleted. Credit bureau responded that investigated and found information to be accurate. However, credit bureau has not and continue to omit any requested documentation proving verification. I have contact court and XXXX XXXX and have been advised by the court that they do not provide verification and representative from XXXX XXXX has indicated that they have not record of investigation by credit bureau and they have not verified any information to third parties.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30236

Consent provided

Web

2018-02-16

Closed with explanation

Yes

2019-12-05

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. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Also, update my personal information to my credit report.

EQUIFAX, INC.

FL

33570

Consent provided

Web

2019-12-05

Closed with explanation

Yes

2021-03-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have submitted the FTC police report for the fraud items can you remove them please

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33351

Consent provided

Web

2021-03-04

Closed with explanation

Yes

2019-04-25

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I have called this company and told them this is not my account, they continue to refuse to accept it. I asked for proof to be provided, they sent me a letter with an address that I do not recognize. I am enclosing the letter as proof as well as my XXXX from the government that shows my address from XX/XX/XXXX to XX/XX/XXXX- I also faxed copies of the attached to the company

Company believes the complaint is the result of a misunderstanding

CCS Financial Services, Inc.

NY

10304

Consent provided

Web

2019-04-25

Closed with explanation

Yes

2023-01-23

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 submitted several letters to Experian credit company regarding a bankruptcy on my credit. I have ask for they to verify and who verified it, they havent send me a letter or nothing on the information Ive requested.

Experian Information Solutions Inc.

GA

XXXXX

Consent provided

Web

2023-01-23

Closed with explanation

Yes

2021-03-25

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

Credit reporting

Incorrect information on your report

Account status incorrect

Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of Covid 19 and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

CarMax, Inc.

IL

622XX

Consent provided

Web

2021-03-29

Closed with explanation

Yes

2022-12-21

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

Give me around 2 to 2 1/2 months ago I was having problems, accessing my checking and a savings account and online banking. There were charges made on my account that were not mine. When I received the notification of unusual activity by the time I was able to try and reply via text or online app, I have been locked out of my account. I visited several branches and spent numerous amount of time with the managers trying to access my account. I was told that everything was resolved over and over. I was able to get them to investigate a few transactions which they determined were fraud and then went back and said they were not fraud and charge back my account. Theres a course of this investigation it has been determined that this was not just an ATM or debit transaction that this was actually an identity theft situation. Not only do the thieves seem to have access to my account numbers but they have made changes and have access to my XXXX XXXX XXXX account. My XXXX XXXX, my XXXX XXXX email my XXXX account as well as my XXXX XXXX account. With his bank account they have been able to withdraw a substantial amount of money at ATMs. They also have apparently. At this time, apparently they are still able to access my account however, I am not. Finally, I love todays date I was able to game accessed online, however calling fraud. They were unable to help me once again. And they referred me to the local branch. I have been to the local branch three times, unable to get reservation because they are unable to access the online as well. We have been doing business with Bank of America since it was sovereign bank, then went with nations bank and finally now Bank of America for over 30 years. I would like these transactions verified, as well as the phone calls that are supposedly record it with fraud to see who is taking control of my life, my money and my accounts. The following transactions need to be disbuted.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

SC

29680

Consent provided

Web

2022-12-21

Closed with monetary relief

Yes

2021-08-10

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

ATTN Fraud Department : Remove fraudulent accounts from my credit report.

EQUIFAX, INC.

CA

92545

Consent provided

Web

2021-08-10

Closed with explanation

Yes

2023-04-26

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Dear Sir/Madam, I am writing to dispute an inaccurate collection account on my credit report that is adversely affecting my XXXX XXXX. The collection account in question belongs to XXXX XXXX XXXX Account number XXXX, which does not belong to me. I have never entered into any agreement with your company to provide any services that would result in a collection account on my credit report. Additionally, there are several other items on my credit report that I also want to dispute, including the following : XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX. Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX XXXX Account number XXXX I request that you thoroughly investigate these items and remove them from my credit report, as they are negatively impacting my creditworthiness and causing me difficulties in obtaining credit and loans. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to dispute any inaccurate information on my credit report. I have attached supporting documentation and request that you consider it in your investigation. I urge you to take prompt action to correct these errors and provide me with written confirmation once these items have been removed from my credit report. Thank you for your attention to this matter. Sincerely, [ Your name and contact information ]

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30052

Consent provided

Web

2023-04-26

Closed with non-monetary relief

Yes

2023-02-10

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to 15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish accounts # # # # # # XXXX # # # # # # XXXX And i DEMAND these accounts be deleted until proof is shown Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer. Also 15 U.S.C.1681a ( i ) ( 2 ) states medical information can not be included age or gender of a consumer demographic information including residence and any info that does not relate to the physical mental or behavioral health of a consumer. These XXXX collections are violations and must be removed.

EQUIFAX, INC.

GA

30721

Consent provided

Web

2023-02-10

Closed with explanation

Yes

2021-06-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I AM IN THE PROCESS OF BUYING A HOME. I HAVE NOTICED ERRORS ON MY CREDIT PROFILE THAT COULD POSSIBLLY HURT MY SCORE. PLEASE REMOVE THESE ERRORS AS SOON AS POSSIBLE. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11550

Consent provided

Web

2021-06-09

Closed with explanation

Yes

2023-07-31

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

Credit reporting

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

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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

GA

31907

Consent provided

Web

2023-07-31

Closed with explanation

Yes

2022-09-29

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 Acct # XXXX has violated my rights XXXXXXXX XXXX Acct # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX XXXXXXXX Acct XXXX XXXX has violated my rights XXXX XXXX XXXX Acct # XXXX has violated my rights 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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

Experian Information Solutions Inc.

FL

347XX

Consent provided

Web

2022-09-29

Closed with non-monetary relief

Yes

2021-11-30

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

Credit reporting

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

Was not notified of investigation status or results

I hereby ask for your assistance regarding my dispute. It has been more than 60 days since my first dispute and the accounts that I'm disputing are still lingering on my credit report. This is a violation of 1681 and 1681n of 15 USC. The credit reporting agencies are ignoring my disputes. That is why I'm submitting a complaint in hopes of getting rid of them.

EQUIFAX, INC.

FL

34714

Consent provided

Web

2021-11-30

Closed with explanation

Yes

2022-02-18

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

TransUinion is charging for a free service with deceptive practices and needs to be stopped. We have 3 major credit agencies. With Identity theft we have the right to access these systems free of charge!! I never gave permission for any of these companies to even have my information!!! TransUnion hides behind a free credit report and then charges you money!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AZ

85143

Servicemember

Consent provided

Web

2022-02-18

Closed with explanation

Yes

2021-05-29

Checking or savings account

Checking account

Closing an account

Company closed your account

I open a Citi bank account and made a couple deposits and i got my atm card and out of nowhere my account its frozen and i called and they told me that my account was goi g to be close due to Fraudulent activities which they couldn't dnt tell me but i only deposit cash i to the account so i went into the branch and i explained what had happen and that it was fine to close my account byt i wanted to get my money back and they gave me a phone number to call and i haven't had an answer to my questions yet nor my money back i called them several time s but its always the same tjing all i want is my money back

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

CITIBANK, N.A.

CA

91343

Consent provided

Web

2021-05-29

Closed with explanation

Yes

2021-02-22

Debt collection

Payday loan debt

Threatened to contact someone or share information improperly

Contacted your employer

XXXX XXXX supposedly third party company called Apex which is unlicensed decided to contact my employer about a wage assignment. So far to date, I paid about {$1000.00} and the wage assignment was for {$1100.00}. I tried to contact the number but goes straight to voicemail. Time for XXXX XXXX to payback what they took from me.

WLCC

FL

33837

Consent provided

Web

2021-02-22

Closed with explanation

Yes

2023-08-29

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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

Experian Information Solutions Inc.

OH

452XX

Consent provided

Web

2023-08-29

Closed with non-monetary relief

Yes

2019-06-20

Checking or savings account

Checking account

Opening an account

Didn't receive terms that were advertised

I received a letter from Bank of America at my home to sign up for a Bank of America checking account and I will get a {$300.00} bonus after {$4000.00} was deposited into my account via direct deposit from my employer. I open my account in XXXX of this year and met all the requirements by XXXX but never received my {$300.00} bonus. After finally getting someone on the phone they say that they couldn't find any bonus offer for me and then told me I will have to wait 30 days for them to look into it and send {$100.00} when the offer was for {$300.00} not {$100.00}. I was advised if I could find the letter which was several months ago I could take that to a branch I might would send it to the XXXX area but of course it's been since XXXX and I no longer have that letter.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

SC

29229

Consent provided

Web

2019-06-20

Closed with monetary relief

Yes

2019-08-26

Debt collection

Medical debt

Written notification about debt

Didn't receive notice of right to dispute

Creditor Collection Services just reported a medical bill on my credit report from XXXX XXXX. First of all, this medical service was covered under a worker 's compensation claim. Futhermore, I never received a bill from XXXX XXXX about this service. If I had, I would have submitted it to the human resources dept of the liable employer, for payment. Additionally, I did not receive a 30-day notice of my right to dispute from Creditor Collection Services, prior to this bill appearing on my credit file.

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

Creditor's Collection Service, Inc.

NC

27614

Consent provided

Web

2019-08-26

Closed with explanation

Yes

2017-08-07

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

Credit reporting

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

Their investigation did not fix an error on your report

I am a victim of identity theft. I sent in certified letters along with a police report backing my claim, I called in, notifying both XXXX XXXX XXXX & TransUnion of this situation. Once again I did not attend any colleges or universities after high school but just one time where I took out 1 loan and that was in XX/XX/XXXX where I took out a short term loan for {$1800.00}. No other loans on the account belong to me. The accounts we 're removed and placed back on my TransUnion credit report damaging my credit once again. On XX/XX/XXXX I contacted TransUnion and spoke to American agent XXXX XXXX, and I explained my situation, i told her I am a fraud victim and my identity has been stolen and used. I went and explain that just a few months back I contacted both XXXX XXXX XXXX and TransUnion by mail certified sent over a police report backing my claim that I am not liable for the fraudulent student loan accounts but only one which I stated the amount and date. XXXX XXXX repeated that the accounts we 're removed on XX/XX/XXXX and placed back on my TransUnion credit report XX/XX/XXXX. In between XX/XX/XXXX to XX/XX/XXXX is a total of 2 months. I was told to send documents in and it 's been an ongoing situation for more than a year battling this situation. So for 2 months in between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX did n't report any accounts then XX/XX/XXXX decided to report falsely errored fraudulent accounts back on to my credit report? I know my rights and under the FCRA several laws are being broken at this time. I contacted XXXX XXXX XXXX and there we 're no documents showing my signature that I personally signed and if a signature was used it 's a bogus signature. TransUnion ca n't verbally verify that any account by XXXX XXXX XXXX belongs to me. By law XXXX XXXX XXXX nor any company will ever send out any documents verifying in papers that an account belongs to me. Both companies broke the law and I am leaning towards filing a civil lawsuit in less than a week. If TransUnion or XXXX XXXX XXXX continues to place fraudulent errored accounts, lncluding unauthorized inquiries on my credit report I will be seeking damages of more than {$10000.00} at the time of trial. I will be sending attached photos of the inquiries, the errored accounts as well. I am drained, I have now falling into XXXX where this situation has caused serious damage to my health. If this situation is n't cleared up by the ending of the week both XXXX XXXX XXXX & TransUnion will be receiving civil suit documents soon. This is n't a threat, I must take legal actions to protect my identit, my rights, and all of my property and assets. I refuse to sit around 30 days for an investigation. It 's self explanatory theirs no reason to investigate something that was already fixed and illegally placed back on to my credit report without any legal verifications or documents. My credit report was damaged by both companies due to the fact of greed and illegal practice. I thank you and appreciate your time. Thank You XXXX XXXX TransUnion File # XXXX TransUnion accounts to remain is XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX {$1800.00}. Remove all other unauthorized accounts and inquiries XXXX unauthorized inquiries on credit report

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33056

Consent provided

Web

2017-08-07

Closed with explanation

Yes

2017-12-08

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Trouble with how payments are being handled

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

Navient Solutions, LLC.

NY

11741

Consent provided

Web

2017-12-08

Closed with explanation

Yes

2023-03-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some inaccurate personal information left that need to be removed. This will be my last Complaint to inform the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) the Credit Reporting Agencies are required to remove any inaccurate personal information which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If the Credit Bureaus do not comply with the requests, it leaves me no choice but to pursue legal action. I need the following INFORMATION deleted as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Experian Information Solutions Inc.

NV

89102

Consent provided

Web

2023-03-31

Closed with non-monetary relief

Yes

2019-02-21

Vehicle loan or lease

Loan

Managing the loan or lease

Problem with the interest rate

hello I'm paying for a car loan too much interest of XXXX dollars a month just a little less than 50 % goes to the balance of the loan or is of interest charge XXXX dollars I've been paying almost a year XXXX and my balance shows that I paid just XXXX dollars Thank you

Santander Consumer USA Holdings Inc.

NY

11375

Consent provided

Web

2019-02-21

Closed with explanation

Yes

2023-06-02

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent my FTC report, PA license, and 15 USC 1681c-2 to XXXX, Experian, And XXXX through certified mail. I requested to block the fraudulent information from my consumer report.

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

Experian Information Solutions Inc.

PA

190XX

Consent provided

Web

2023-06-02

Closed with explanation

Yes

2022-10-24

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

32119

Consent provided

Web

2022-10-24

Closed with non-monetary relief

Yes

2018-05-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

The credit reporting company has stated that my account for XXXX XXXX was updated but the bureau nor the creditor are yet to show me proof that the account wasn't on time from XX/XX/XXXX-XX/XX/XXXX. 1. Where is the proof? 2. Why is this account being updated?

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

Experian Information Solutions Inc.

NY

11238

Consent provided

Web

2018-05-12

Closed with explanation

Yes

2018-10-25

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

I own a brick and mortar business that also sells on XXXX. For the past several months we have had multiple customers who are not able to pay us for the items they have purchased. The reason is that when they use XXXX and the funding is from a Citibank card our business is being blocked. When the customer calls Citibank the reason that is given is that our business is involved in the sale of cryptocurrency. We do not and have not ever been involved in cryptocurrency. I have checked that our merchant category code is correct, XXXX. We have been in business since XX/XX/XXXX and selling online since XX/XX/XXXX. I suspect that the problem is that Citibank is either filtering out our business because the name of the business has the word " coin '' in it or they are confusing our business with another business of the same or similar name that does in fact deal in cryptocurrency. I have spent hours and hours on the phone with XXXX, XXXX and Citibank. XXXX and XXXX customer service has been great and I believe they have done everything they can to solve this problem. Citibank however has awful customer service and will not help at all because I am not a Citibank customer.

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

CITIBANK, N.A.

OR

97045

Consent provided

Web

2018-10-25

Closed with explanation

Yes

2021-01-12

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

Can't use card to make purchases

The bank claims there are charges to my account on XX/XX/2021, yet these charges ( unauthorized ) do not show on my statement, or transaction history. After calling the bank on XX/XX/2021 to lift the hold placed after disputing the charges that are not shown, I was unable to make purchases with the card. If they were not unable to lift the hold, it should have been said, instead of having my attempt purchases declined.

FIFTH THIRD FINANCIAL CORPORATION

IN

46219

Servicemember

Consent provided

Web

2021-01-12

Closed with explanation

Yes

2021-01-05

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

Dear Sir/Madam : Branch Banking and Trust now Truist Mortgage Company has failed on numerous occasions to report my on time mortgage payments to the National Credit Bureaus. BB & T has not reported my on time payments for XX/XX/XXXX for the months of XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020. In the past year, the world has suffered as a result of a Global Pandemic. However, I have managed to pay my mortgage consistently on time. I am met with the utmost disrespect from this company. The corporate office is not interested in helping to resolve this matter instead they are comfortable passing along the problem to someone else. BB & T inability to act has impacted me negatively.

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

TRUIST FINANCIAL CORPORATION

FL

33813

Consent provided

Web

2021-01-05

Closed with explanation

Yes

2022-03-03

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

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

EQUIFAX, INC.

CA

90241

Consent provided

Web

2022-03-03

Closed with explanation

Yes

2021-06-25

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

Credit reporting

Incorrect information on your report

Account status incorrect

Im submitting a complaint in reference to Credit Acceptance Corporation ( CAC ). They are reporting my auto loan account as open. This loan was paid off by the insurance company on XX/XX/XXXX. How can they report an open account with no monthly payment amount listed? Also the open and term dates are reporting inaccurate. They have it listed on XXXX : High balance {$15000.00}, Current balance : {$14000.00}, payments made : {$1400.00}. Report date XX/XX/XXXX, Open date XX/XX/XXXX. Late payments {$0.00}, their reporting as over 120 past due. So within a two year timeframe, their saying I only paid {$1400.00} towards my balance. This is an auto loan not an revolving line of credit. Each credit report is reporting something different. I will attach a screenshot of the reports to support my claim. I would like this company to be removed of all three of my credit reporting agencies. Then see attached documents I have lawyer office saying I owe them for the same auto loan.

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

CREDIT ACCEPTANCE CORPORATION

DE

198XX

Consent provided

Web

2021-06-25

Closed with explanation

Yes

2022-07-10

Debt collection

Other debt

Written notification about debt

Didn't receive notice of right to dispute

N accordance with the Fair Credit reporting Act of 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 604A. It also states a consumer agency can not furnish a account without my written instructions

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

347XX

Consent provided

Web

2022-07-10

Closed with explanation

Yes

2022-08-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

the accounts/ inquires cant be verified and need to be removed from my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

76119

Consent provided

Web

2022-08-26

Closed with explanation

Yes

2021-07-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

The undersigned Secured Party caused a complaint to the Consumer Financial Protection Bureau ( CFPB ) about a fraudulent bank ( XXXX XXXX Student Loan ) placed on my consumer report by XXXX Equifax, and XXXX Dear debt collector/ credit bureau XXXX I am, a federally protected consumer. Subsections ( A ) and ( B ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent. Please remove XXXX XXXX XXXX XXXX accounts from any public record. If all accounts are not removed the consumer is owed actual damages under 15 USC 1692K. I have sent numerous letters to XXXX XXXX regarding the alleged debt they say I owe. I don't owe XXXX XXXX any money. XXXX XXXX has yet to send me anything bearing my wet-signature proving that I owe them anything. XXXX XXXX doesn't have my consent to furnish my Consumer report or share information with anyone. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as Equifax, XXXX, and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of the Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud )

EQUIFAX, INC.

TX

77071

Consent provided

Web

2021-07-12

Closed with explanation

Yes

2023-04-06

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

IVE NOTICE UNAUTHORIZED INQUIRIES ON CREDIT REPORT AND NOTICE THAT SOMEONE MAY HAVE APPLIED TO SOMETHING IN MY NAME. I HAVE SENT MULTIPLE DISPUTES TO REMOVE THESE HARD INQUIRIES THEY ARE FRAUDULENT AND I WANT YOU TO GET THEM REMOVED. DO TO THE FAIR CREDIT REPORTING ACT LEGALLY THESE UNVERIFIED & UNAUTHORIZED ITEMS MUST BE REMOVED. I DONT KNOW YOU HAVENT RECEIVED MY LETTERS, I DONT KNOW WHY YOU HAVENT RECEIVED MY NOTIFICATIONS BUT IM TELL YOU RIGHT NOW THAT THEY ARE NOT MINES & NEED TO BE REMOVED. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

44137

Consent provided

Web

2023-04-06

Closed with non-monetary relief

Yes

2023-02-12

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. Please investigate these matters and remove the disputed items as soon as possible. XXXX. XXXX - XXXX SERVICE Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY! XXXX. BANK XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report. Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX

EQUIFAX, INC.

NY

11213

Consent provided

Web

2023-02-12

Closed with explanation

Yes

2022-02-03

Debt collection

I do not know

Written notification about debt

Didn't receive notice of right to dispute

XXXX XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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

Experian Information Solutions Inc.

FL

33614

Consent provided

Web

2022-02-03

Closed with explanation

Yes

2021-01-09

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Collected or attempted to collect exempt funds

Starting back in XX/XX/XXXX I started disputing XXXX with them themselves and the credit bureaus. XXXX XXXX and XXXX removed the XXXX account ending in XXXX. I sent a Validation of Debt letter to XXXX and it was never answered. as well as 4 other factual dispute letters to XXXX. Plus 2 other CFPB Complaints about XXXX. XXXX and XXXX. XXXX All documents are attached to the prior complaints. On XX/XX/XXXX I was served with a law suit from Crown Asset Management , LLC. I have never heard from them before nor have they tried to make contact with me about this alleged debt. Court Summons and supporting documents attached. On the Complaint from the Summons from Crown Asset Management , LLC Paragraph 1 states the account was opened XX/XX/XXXX, This is false. Paragraph 8 says I owe {$1200.00}. This is not what XXXX is reporting. Paragraph 6 says I do not object to any errors. This is false. I have the last 6 months of paper trail through XXXX and XXXX showing I am disputing errors. They would know this if they contacted me. They delivered the summons to my house, but the summons had the wrong address on it. It's an address I have never had, never seen or knew it ever existed. And not listed on my credit report. On the affidavit of the records they say they have purchased the account from XXXX it says date opened is XX/XX/XXXX. Last payment XX/XX/XXXX. The amount owed is {$1200.00}. The charge off date says XX/XX/XXXX. All 4 of these items on the affidavit do not match my credit report with XXXX who has Certified Verified this account with XXXX through a rigorous investigation of 6 months. The Legal Document Specialist for Crown Asset Management , LLC certified these documents as accurate XX/XX/XXXX. This was during a CFPB Investigation with XXXX and XXXX. XXXX can not be giving out information about an account that is in dispute. I also called XXXX on XX/XX/XXXX twice and said I am disputing this account. From all the errors on the documents that Crown Asset Management , LLC is using to sue me with I do not believe they really own the debt or if they do own the debt it was sold " as is '' and the validity of the debt is not guaranteed. I believe this is gross attempt to collect a debt that either does not belong to them and or is extremely inaccurate. No real proof the debt is collectable by them. Several pieces of the documents are severely redacted, missing and illegible and contact information to verify the sale is missing. Please help me against this wrongful debt collection. I am not posting my XXXX 'XXXX Credit report on here because I don't want Crown Asset Management , LLC to fraudulently parrot my information to use against me in Court. I also looked up their XXXX, a rating of 1. I know that this may not be important, but I'm XXXX % XXXX and live on XXXX. I could really use the help from them going after my Social Security XXXX.

Crown Asset Management, LLC, Duluth, GA Branch

IN

465XX

Servicemember

Consent provided

Web

2021-01-09

Closed with explanation

Yes

2023-07-03

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my Third request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX XXXX Balance : {$9300.00}.

EQUIFAX, INC.

MD

20735

Consent provided

Web

2023-07-03

Closed with explanation

Yes

2021-12-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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

Experian Information Solutions Inc.

MI

48073

Consent provided

Web

2021-12-14

Closed with explanation

Yes

2021-01-29

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

Credit reporting

Incorrect information on your report

Account status incorrect

I've been a victim of identity theft. I have contacted the creditors, but nothing has changed I'm asking for verification into account details and to provide accurate information if not to delete these accounts from my name. LVNVFUNDG Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX XXXX Name and Address Wrong XXXX Name and Address Wrong

Resurgent Capital Services L.P.

CA

91402

Consent provided

Web

2021-01-29

Closed with explanation

Yes

2018-06-16

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

I sent the petitioner an " Affidavit of Debt Validation Letter ''. The petitioner continues to fail to meet my request to proof the debit and show original documents. They hired a lawyer and attempted to sue me for their claim.

CAPITAL ONE FINANCIAL CORPORATION

NY

10469

Consent provided

Web

2018-06-16

Closed with non-monetary relief

Yes

2018-09-18

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Can't stop withdrawals from your account

On XX/XX/2018 I dropped off a XXXX foot boat with a XXXX XXXX XXXX to XXXX XXXX to have the idea issue repaired. XXXX indicated that the electric primer was the problem and it was dumping fuel into the carburetors. They replaced tis item and also did work on all four carburetors. XXXX did call and explained what they found and I indicated that if thats the issue with the idle then repair the problem. The bill was {$900.00} for replacing the needle valves and seats in all carburetors, the fuel enrichment solenoid ( primer ), clean and adjust all carburetors. Then they stated they set the idle. I picked up the boat on XX/XX/XXXX and when I took the boat out to use the motor would not idle at all. I called and indicated the problem and XXXX agreed to look at the boat and motor again. I was insistent that when finished that we take the boat out on the water with the mechanic to test ride the boat. This is because they could not solve the problem the first time and its not an unreasonable request to insure a motor is functioning properly. Wilsons would not do a in water test. When XXXX called me back they stated that the problem is there is a lack of fuel coming from the tank because the primer bulb was collapsing when the motor was running. I told them to take an air line and test the fuel line. They stated they can not because of a one-way valve in the line. I told then to take XXXX valve out and check it then. They refused to do any more work on the boat. I ended up taking the boat to a friend of a gentleman that I work with to have the problem fixed. This was strictly a cash transaction and I trusted my friend and the person who worked and eventually fixed the problem. There was no fuel delivery issue, as the next mechanic stated if there was all that fuel coming out of the carburetors as XXXX indicated how could the flow be restricted. What he also found was the needle valves and seats where from the wrong outboard no mine, they had to be replaced with OEM parts. The primer solenoid or enrichment solenoid as XXXX called it was not the issue either. The mechanic tested the old part and it worked fine. So I called my bank and filled a dispute Because I have an issue with the quality of goods or services provided by XXXX XXXX. XXXX, they put parts into the motor that did not need replacing. This only added to the bill. Finally, they refused to water test the engine. The motor will run differently out of the water as apposed to sitting in the water. The outboard needs to draw water up into the motor to cool it off, this puts a load on the engine and the idle and carburetors must be adjusted to account for this. XXXX never did this and refused to do so. There is and never has been a fuel delivery issue. The primer bulb can be squeezed and will recover properly. I can take a picture of a collapsed primer bulb and state the same thing that XXXX did. It proved only that the primer bulb XXXX if it was even mine ) was collapsed at a single instance in time. Not on going as they state. XXXX over charged, fraudulent charged for services and parts that were not needed.

ASSOCIATED BANC-CORP

WI

53189

Servicemember

Consent provided

Web

2018-09-18

Closed with explanation

Yes

2022-12-25

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX XXXX, Also known as XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 U S C 1681 section 602 A States I have rights to privacy. 15 U S C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish a account without my written 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.

WV

250XX

Consent provided

Web

2022-12-25

Closed with explanation

Yes

2019-03-28

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

I am a victim of identity theft. I refuse to be responsible for an account that does not belong to me

EQUIFAX, INC.

NY

115XX

Consent provided

Web

2019-03-28

Closed with non-monetary relief

Yes