Datasets:

aciborowska

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customers-complaints

like 1

2022-03-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX XXXX XXXX is reporting an Inaccuracy on my Consumer Report. XX/XX/2020 contains an inaccurate late reported payment that is significantly damaging my Consumer Report and financial reputation not only within the Credit Union but overall. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household uses. ( XXXX ) subject to XXXX XXXX XXXX XXXX XXXXXXXX of this title, any ( XXXX ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; You and your inaccurate reporting has damaged my livelihood.

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

Experian Information Solutions Inc.

SC

29229

Consent provided

Web

2022-03-20

Closed with explanation

Yes

2023-07-21

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

Credit reporting

Incorrect information on your report

Account status incorrect

I opened an account with XXXX in XX/XX/XXXX and financed their equipment through Fortiva Credit on XX/XX/XXXX for approximately {$3000.00}. I made monthly payments for two months, then paid my full account balance off XX/XX/XXXX ( this is also reflected on my credit report ). However, I was trying to get a payoff confirmation from the company so I could cancel my XXXX service in XX/XX/XXXX and was told my entire account and history had been purged from their system, so they have no record of me ever having an account. I can not close my XXXX services account until Fortiva confirms my credit account has been paid in full, but Fortiva claims there is no record of my having an account, even though it shows on my credit report. Is completely deleting these records upon payoff legal? This also seems like a tax evasion scheme.

Company believes it acted appropriately as authorized by contract or law

Atlanticus Services Corporation

NC

28546

Servicemember

Consent provided

Web

2023-07-21

Closed with explanation

Yes

2023-02-07

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

On XXXX XXXX, 2022, I the consumer contacted ABILITY RECOVERY SERVICES LLC to send me proof that validates I have some contractual obligation to pay ABILITY RECOVERY SERVICES LLC. I received this response to my complaint made against ABILITY RECOVERY SERVICES LLC on Acct # XXXX : ABILITY RECOVERY SERVICES LLC is continuing to report on my credit profile alleging Acct # XXXX was verified pertaining to an alleged debt for {$2200.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing Acct # XXXX is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. Failure on ABILITY RECOVERY SERVICES LLC behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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

Ability Recovery Services, LLC

FL

33168

Consent provided

Web

2023-02-07

Closed with explanation

Yes

2023-01-22

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. I waited XXXX days and received my investigation and notice everything was still the same. The consumer reporting agencies which is Equifax, XXXX, XXXX, did not modify or remove anything. So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.

EQUIFAX, INC.

CA

91355

Consent provided

Web

2023-01-22

Closed with explanation

Yes

2022-12-29

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30040

Consent provided

Web

2022-12-29

Closed with non-monetary relief

Yes

2022-07-21

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

LA

71111

Consent provided

Web

2022-07-21

Closed with non-monetary relief

Yes

2023-08-16

Checking or savings account

Checking account

Managing an account

Problem using a debit or ATM card

excessive overdraw fees

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

WELLS FARGO & COMPANY

CA

91786

Older American

Consent provided

Web

2023-08-16

Closed with explanation

Yes

2022-05-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

NJ

088XX

Consent provided

Web

2022-05-18

Closed with explanation

Yes

2021-12-07

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11369

Consent provided

Web

2021-12-07

Closed with non-monetary relief

Yes

2020-10-27

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

Credit reporting

Incorrect information on your report

Account information incorrect

XXXX XXXX for XXXX XXXX XXXX XXXX, is reporting on both the XXXX and the Equifax reports. I have requested from them to remove an inqury and they have sent me letters stating that they put in for it to be removed from my credit report because I did not authorize it. However, both XXXX and Equifax still shows it. XXXX did remove it. Even though XXXX XXXX XXXX XXXX XXXX XXXX XXXX has sent letters to the bureaus, and I have sent letters to the bureaus. They still refuse to remove the inquiry.

EQUIFAX, INC.

CA

92115

Servicemember

Consent provided

Web

2020-10-27

Closed with explanation

Yes

2022-04-20

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

21045

Consent provided

Web

2022-04-20

Closed with non-monetary relief

Yes

2017-08-18

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I pulled my credit report to make a vehicle purchase and noticed several accounts that were opened under my name without my knowledge. This is fraudulent accounts that I did not open.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33169

Consent provided

Web

2017-08-18

Closed with explanation

Yes

2022-02-14

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :

EQUIFAX, INC.

MI

48235

Consent provided

Web

2022-02-14

Closed with explanation

Yes

2019-08-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I have reached out to you guys about some things on my credit that I know nothing about. There are still two things and a lot of inquiries on there that are not mine. Would you all please remove them from my credit so I can help my mom. XXXX XXXX XXXX and some account that don't even have a name but the account XXXX XXXX. I have reached out to the FTC and to my local police department. I am doing this on my own behalf. Here are the inquiries that need to be taken off as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

GA

30324

Consent provided

Web

2019-08-14

Closed with non-monetary relief

Yes

2021-09-23

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

I closed my account with XXXX in XX/XX/2020 However, they Did not follow my instructions and continued late fees and interest. Currently they havea fraudulent amount in collections.

Glass Mountain Capital, LLC

IL

60035

Consent provided

Web

2021-09-23

Closed with explanation

Yes

2022-09-14

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

95842

Consent provided

Web

2022-09-14

Closed with non-monetary relief

Yes

2018-04-10

Student loan

Federal student loan servicing

Dealing with your lender or servicer

Don't agree with the fees charged

I went to XXXX in XX/XX/2008. I was charged a total of around10,000. My loan was split up into 4 or possibly 5 different loans. I paid off 1 that was a total of XXXX I got them to let me pay it for XXXX. So now I just owe my bank. I have another one that's XXXX? interest? I understand I was in forborence for quiet some time. but is that legal to let your charges get that high. I paid for several yrs XXXX sometimes less sometimes more. never seem to go down. they always had an excuse why. I want answers not excuses. im willing to pay but c'mon.

Navient Solutions, LLC.

FL

32211

Servicemember

Consent provided

Web

2018-04-10

Closed with explanation

Yes

2020-10-06

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

XX/XX/2019, XXXX XXXX agreed to do a pay for delete on a charged off bank account I had. Once I paid, they refused to follow the proper chains to have everything deleted. They are a rip-off.

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

Experian Information Solutions Inc.

LA

700XX

Consent provided

Web

2020-10-06

Closed with explanation

Yes

2023-05-09

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX

EQUIFAX, INC.

TX

77407

Consent provided

Web

2023-05-09

Closed with explanation

Yes

2019-09-11

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Money was taken from your account on the wrong day or for the wrong amount

I received 3 overdraft fees on XX/XX/19 from Chase Bank for {$34.00} each. I was told by the bank that XXXX XXXX EST is the cut-off time for credits/debits/transfers to my account. Ive also enrolled in text message alerts to inform me immediately if my account balance is overdrawn or below {$25.00}. On XX/XX/19 I checked my account right before XXXX XXXX EST to ensure the account was positive and in good standing. I keep money in other accounts and transfer to this account if necessary to avoid fees. No changes were necessary and I did not receive any alerts. I went to bed. The next morning I awoke to 3 fees for insufficient balance. I called Customer Service who said theres no evidence of the alert system warning me of any balance issue, and that right at XXXX my balance was positive. However customer service refuses to reverse the fees. The debit that went through the account is posted-dated XX/XX/19 on my bank statement yet my fees were generated from XX/XX/19 for a purchase of $ 189+ that was not present, pending or otherwise in my account at XXXX XX/XX/19 - the cut-off time Chase Bank has communicated to me as the time when any additional transactions toward the next business day. So if after XXXX I can no longer alter my account for my benefit, Chase should also not be able to break their rule to take fees from me. I escalated my complaint to a supervisor and they too refused to reverse the fees. I asked for a manager and I was told they will call me but the manager has not and I feel ignored and robbed. I am requesting that Chase Bank be forced to follow their own rules regarding post/ pending cutoff times and also return my {$100.00} dollars they took from me.

JPMORGAN CHASE & CO.

OH

452XX

Consent provided

Web

2019-09-11

Closed with monetary relief

Yes

2022-04-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. XXXX XXXX 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 written consent.

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

Experian Information Solutions Inc.

AL

366XX

Consent provided

Web

2022-04-18

Closed with non-monetary relief

Yes

2019-07-05

Credit card or prepaid card

Store credit card

Problem with a purchase shown on your statement

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

On XX/XX/2019, I placed an online order -Order Number XXXX for {$820.00} with XXXX XXXX. The order was charged to my XXXX XXXX credit card, sponsored by Comenity Bank. The order was for 2 items - a Picture ( XXXX + XXXX oversized shipping charge ) and a Candle holder. I received the Candle holder. The items were shipped separately, and noted in the shipping information for the picture it said shipper would contact me for delivery. I was never contacted. After waiting a few weeks, I reached out to XXXX XXXX customer service and was told that the customer service person would investigate and call me back. I heard nothing back. I made multiple attempts to contact XXXX XXXX again by phone, and also by email through the XXXX XXXX Website. Additionally I contacted the XXXX XXXX store located at XXXX XXXX and spoke with the Manager multiple times, who reached out to the Area Manager, who unfortunately said they could not help me since this was not a store purchase. When I received my credit card statement and it included the charge for the picture, I contacted Comenity Bank and placed this into dispute. The agent I initially spoke with miscategorized the complaint, and I received a letter from Comenity Bank. I immediately spoke to a Comenity Bank supervisor who placed this back in dispute. This was in early XXXX. Comenity bank also had me submit a written dispute through their website portal. Today I received notice that Comenity bank has taken this matter out of dispute - DUE TO THE FACT THEY WERE UNABLE TO GET A RESPONSE OF ANY KIND FROM XXXX XXXX- and charged me back the {$670.00} dollars to my account. If I am unable to get a response from XXXX XXXX and take the steps to resolve it, and the Credit Card Company is unable to get any response - HOW CAN I BE HELD RESPONSIBLE FOR THIS CHARGE? It is unimaginable that XXXX XXXX has no obligation to respond to either the consumer or the credit card company, yet I am obligated to pay for something I did not receive. It is unthinkable. I spoke at length with Comenity bank today - and they said they can not do a thing about it, and they recognize my frustration, but basically, its my tough luck. What would stop any retailer from arbitrarily billing whatever they want on a consumers card if they do not have an obligation to prove that merchandise was shipped and received by the consumer. I can not escalate my claim any further - at Comenity bank and can not get in touch with XXXX XXXX, although I've left another message for them. So I'm left with no alternative but to file a complaint through CFPB. Please help me, this is unfair and unreasonable. If I don't pay, this will be a blemish on my CREDIT REPORT, and to be strong armed into paying {$670.00} for merchandise I never received is just unreasonable. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Bread Financial Holdings, Inc.

FL

33331

Consent provided

Web

2019-07-05

Closed with monetary relief

Yes

2019-04-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I recently submitted a request for investigation of several accounts which XXXX refused. I submitted enough information for them to carry out a reasonable investigation of my dispute, since they obviously did not investigate this account thoroughly enough the last time I submitted one. These creditors have stated when I have called them, that they have contacted your agency numerous times to have these accounts removed to no avail, often noting unreasonable hold times to get through to the fraud department. If the had investigated properly, rather than use their XXXX system, they would have known, that not only have ever been late on the XXXX ACCOUNT. It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.

EQUIFAX, INC.

FL

32712

Consent provided

Web

2019-04-04

Closed with explanation

Yes

2017-09-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

Equifax experience a data breach that compromised my personal information to unknown persons on Friday XXXX XXXX, 2017. I verified this information by using the https : //www.equifaxsecurity2017.comXXXX form. The company is not taking enough action to remedy this terrible leak of my trusted personal information.

EQUIFAX, INC.

WA

98115

Consent provided

Web

2017-09-09

Closed with explanation

Yes

2016-04-16

Debt collection

Credit card

Cont'd attempts collect debt not owed

Debt was paid

This debt was settled through XXXX XXXX and I disputed the debt with the company. They were also sent the proof of settlement. They are still holding the account open.

PORTFOLIO RECOVERY ASSOCIATES INC

FL

33015

Consent provided

Web

2016-04-16

Closed with explanation

Yes

No

2023-04-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

OH

454XX

Consent provided

Web

2023-04-18

Closed with explanation

Yes

2020-12-16

Debt collection

I do not know

Communication tactics

Frequent or repeated calls

Portfolio recovery services calls me at least 20 times a day I get calls from New York, Virginia, Minnesota and many other states. Many times when I answer these calls there is noone on the line and it will disconnect when I xall the numbers back it is an automated system for PRS yes I have record of all calls. They dont leave messages and becausr it is typically automated machines there is noone to speak with. I cant believe that these companies are just allowed to do whatever they feel and their is no protection for the consumer. I cant clear a debt when you constantly call from automated machines, and fail to send any documentation to me in the mail. This is ridiculous and needs to stop.

PORTFOLIO RECOVERY ASSOCIATES INC

SD

571XX

Servicemember

Consent provided

Web

2020-12-16

Closed with non-monetary relief

Yes

2019-08-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXX closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX 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.

FL

33407

Consent provided

Web

2019-08-20

Closed with non-monetary relief

Yes

2023-02-15

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I contact the credit bureau to have them remove these inquiries off my credit report and I got a response back stated these items are not removed and I'm request this again to have it removed immediately! None of these inquires are mines. I have not never contact these companies nor gave these companies my information to have them check my credit profile. Please have these remove immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm XXXX XXXX have this remove or Ill have to procced with legal actions.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

WI

53144

Consent provided

Web

2023-02-15

Closed with non-monetary relief

Yes

2020-03-10

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

On or about XX/XX/XXXX I received a letter from Portfolio Recovery Associates, LLC making an allegation that I owed {$520.00} to the original creditor. " XXXX XXXX ''. PRA sates that they purchased the alleged debt from " XXXX '' on XX/XX/XXXX. I've never heard of or from XXXX in the past regarding this alleged debt and when I tried contacting them ( XXXX ) I spoke to one of their representatives ( didn't want to give me his name ) and informed me that they are no longer " XXXX '' and that " many '' years ago they separated from " XXXX '' and now go by the name of " XXXX XXXX XXXX ''. I wrote a letter to PRA requesting validation of debt and the authorization they have to collect this alleged debt dated XX/XX/XXXX and as of todays date PRA has not provided me the information I requested. PRA is knowingly violating the FCRA & trying to collect an alleged debt that has passed the " statue of limitation '' in the state of Montana which is 8 years. PRA actions of not providing me the required validation of debt & trying to collect on an alleged debt that they know has passed the " statue of limitation '' bring into question the integrity of their business practice but unfortunately for them as a victim of identity theft I've become a well informed consumer and know my rights.

PORTFOLIO RECOVERY ASSOCIATES INC

MT

595XX

Servicemember

Consent provided

Web

2020-03-10

Closed with explanation

Yes

2020-08-14

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

Credit reporting

Incorrect information on your report

Old information reappears or never goes away

XXXX XXXX XXXX XXXX has been resubmit or reinserted to my Transunion Account without my knowledge or consent without notice within 5 business days of reinstatement. The is a violation of FCRA rules. TransUnion is intentionally violating FCRA rules section XXXX Notice that this account has been reinserted and remove numerous times from my TransUnion credit report. Please see attachment ; After being removed on XX/XX/2020 XXXX XXXX XXXX XXXX was the reinsurted again without my knowledge on XX/XX/2020, Account was then removed On XX/XX/XXXX for violation. And today again XX/XX/XXXX for you XXXX XXXX XXXX has been reinserted without five business day notice. A violation of FCRA rules section XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33024

Consent provided

Web

2020-08-14

Closed with explanation

Yes

2021-08-09

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

Credit reporting

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

Was not notified of investigation status or results

On XX/XX/2021, i sent a letter to the bureaus reporting some inaccuracies on my credit report. To this day over 60days later the inaccuracies have not been resolved yet. I am being completely ignored and this is really not fair to me. I researched some of the law and i found out that Section 611 a says that a failure to investigate these items within 30 days give a reason for a complete removal of those item in my credit report. In my case it has been over 60 days therefore i should expect a deletion. Please remove these items promptly since the law was violated here. My information was also impacted by the equifax data breach that happened couple years ago and who knows have my information right now.

EQUIFAX, INC.

GA

30082

Consent provided

Web

2021-08-09

Closed with explanation

Yes

2022-04-22

Credit card or prepaid card

General-purpose credit card or charge card

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

Was not notified of investigation status or results

This was not sent is error i am a consumer by law and my information as misused and now i have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. EXPERIAN and the account name is XXXX balance {$460.00} account # XXXX 30 days late in XX/XX/2022 XXXX

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

Experian Information Solutions Inc.

TX

75039

Consent provided

Web

2022-04-22

Closed with explanation

Yes

2019-09-17

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

Hello and thanks for your great service wish I knew all that early I would contacted you. I could not find any other option available to send my message so I chose this option, sorry. I lost my two Capital one accounts due to job loss inability to keep up with growing late fees interest etc. I had informed spoken to numerous account managers etc. About the time I called in my accounts were closed some 5 days earlier. To prose a payment plan XXXX per month on wax account was agreed by account manager back in early XX/XX/2019. I had explained to her I did not want to lose my accounts and hoped I could pay down the debt starting in XXXX. I requested her to send me a letter within new agreement she'd agreed I could pay the cards down and also agreed to lower the balance regarding the late fees etc. I was happy I had accomplished something here. But by the time XXXX came the letter she'd said she would send never arrived I was never contacted in writing or otherwise. I had an open relationship they in the past were open to talk and any other related my issues with work and any other issues. I was completely ignored it seemed. I don't want to get overly personal but dromedary I had revealed to them with work and other things Believe they could of handled this in a better way instead of lying and ignoring me. After we agreed to work on this account patient agreement. I don't know what you can do but I have more info and I was only acting to hopeful repair the accounts and debt with someone who identified her self XXXX the agent for Capitol One. Thank you again, XXXX

CAPITAL ONE FINANCIAL CORPORATION

GA

304XX

Consent provided

Web

2019-09-17

Closed with explanation

Yes

2023-04-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

EQUIFAX, INC.

AL

35242

Consent provided

Web

2023-04-11

Closed with explanation

Yes

2021-12-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/2021 XXXX XX/XX/2021 AN # XXXX XX/XX/2021

EQUIFAX, INC.

FL

33772

Consent provided

Web

2021-12-06

Closed with explanation

Yes

2019-02-13

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I received a copy of my credit report and there is an account with XXXX XXXX XXXX showing. I haven't had XXXX XXXX credit card for over 10 years. This account is showing it opened in XX/XX/XXXX and I know for a fact I did not open an account with this company then. The one I did have was actually included in a very old Bankruptcy back in XX/XX/XXXX I believe. What I know for sure is this one showing XXXX is not one I opened, used or know anything about.

EQUIFAX, INC.

FL

33542

Consent provided

Web

2019-02-13

Closed with non-monetary relief

Yes

2023-05-17

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33409

Consent provided

Web

2023-05-17

Closed with non-monetary relief

Yes

2022-07-13

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I found inquiries on my credit that wasn't done by me. PLEASE SEE ATTACHMENT FOR THE LIST OF INQUIRIES TO BE REMOVED.

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

Experian Information Solutions Inc.

FL

32301

Consent provided

Web

2022-07-13

Closed with non-monetary relief

Yes

2018-09-09

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

Credit reporting

Incorrect information on your report

Account status incorrect

My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.

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

Concord Servicing Corporation

CA

94596

Consent provided

Web

2018-09-14

Closed with explanation

Yes

2019-11-05

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

In XX/XX/2018 my identity was stolen to fraudulently open an account with XXXX. I filed a police report and followed the procedures with XXXX to verify that it was not my account. XXXX sent me a letter stating the account is not mine. I sent the proper paperwork to all three credit bureaus. XXXX and XXXX immediately corrected the issue and removed the fraudulent account information from my credit record on their respective systems. I have tried three times to have Equifax correct the issue and they are refusing to do so. I have a letter from XXXX sating it is not my account and a police report. This has been going on for 18 months. I have also called Equifax and they ignore me. This has prevented me from getting new credit and cost me hundreds if not thousands in additional interest because of the higher interest rates I must pay with this incorrect, fraudulent negative credit account hurting my credit rating.

EQUIFAX, INC.

GA

30004

Consent provided

Web

2019-11-05

Closed with explanation

Yes

2022-02-05

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Problem with fees

Citi Bank Credit Card Charged {$95.00} Membership Fee I've been pay off for my card LAST YEAR and save the card for emergency use in case for the bad situation for this year ( it's meant the card been not using for the whole year ), and I do have couple card without charge membership fee.

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

CITIBANK, N.A.

NC

287XX

Consent provided

Web

2022-02-05

Closed with monetary relief

Yes

2017-03-07

Student loan

Federal student loan servicing

Can't repay my loan

Can't get flexible payment options

I have Federal and Private Student Loans I repeatedly have been given wrong and different info depending on who you talk to. I needed to release my cosigner as she has XXXX. I spoke with a manager. She told me i just had to send a cease and desist letter. I wanted to stop the calls to the cosigner. I was : " behind in a payment '' The " Supervisor told me I could tack it on to the end.After 8 years of paying, I still owe XXXX dollars. After 8 years of sending the payment form to myself and the cosigner, last week they changed the address and sent it addressed to myself and the cosigner at the POA '' s address.On top of it ... they said I am still behind, the payment would not be tacked at the end. The cease and desist would only stop the calls for 2 of the loans, I need to also have a release the cosigner form filled out, as well as a XXXX form for the cosigner. And also the POA has to release her. I get different info every single time I call. Can anyone help? Tonight i spent 2 1/2 hours on the phone, they kept putting me on hold for 5 minutes, transferring me to different dept 's. They told me the person who changed the address this week was in the " Back Office Team '' and they do n't take phone calls. They have created multiple obstacles. Everything that I believed was taken care of by the " Supervisor '' was not taken care of and they made matters worse. Can I get any portion of this loan forgiven by the Dept. of Education? Thank You XXXX

Navient Solutions, LLC.

CT

06033

Consent provided

Web

2017-03-09

Closed with explanation

Yes

No

2022-10-11

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

Credit reporting

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

Problem with personal statement of dispute

I put a dispute in on XX/XX/2022 about information on my credit report about a bankruptcy stating the verifiable with the Bankruptcy courts. I contact the United States Bankruptcy XXXX XXXX XXXX XXXX Georgia stating the Bankruptcy can not communicate with Credit reporting agencies. Bankruptcy court letter included in this complaint.

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

Experian Information Solutions Inc.

GA

30331

Consent provided

Web

2022-10-11

Closed with explanation

Yes

2019-11-09

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I have made a complaint with you all ready. My name is XXXX XXXX I am have dealings with USAA. This is my complaint ID with you- XXXX. I recieved a call from USAA on XXXX stating they are closing the fraud case they state they do not see where I requested to have my aiuthorized user removed. Just because they supposedly did not note it they are now making me pay for all the fraud charges she put on there an she is getting away with it. USAA had sent me a check for damages put a stop on the check put amount towards that balance this is wrong in every way an she the one that put herself on as aurthorize user gets away. They also sent me a new card I never activated it some how it got activated and got XXXX charged on it and USAA only thing they would tell me is someone activated it from a mobile device. This is wrong where is justice?

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

MO

647XX

Consent provided

Web

2019-11-09

Closed with monetary relief

Yes

2022-11-14

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

XXXX XXXX XXXX XXXX calls, texts, and emails me regarding a debt owed by " XXXX XXXX '' to the XXXX. I have notified them multiple times that I am not this person, I do not know this person, etc. I have had my cell phone number for over 20 years, this debt is not mine. They state they will remove me, a month or two passed and they are back calling and texting me.

Company believes it acted appropriately as authorized by contract or law

Valor Intelligent Processing, LLC

TX

75070

Consent provided

Web

2022-11-14

Closed with explanation

Yes

2023-01-27

Checking or savings account

Checking account

Managing an account

Problem accessing account

I have two accounts with Bank of America. One account is a checking account ending in XXXX. The other is a savings account ending in XXXX. I was the victim of identity theft, and had been unable to access these accounts for many months. I have placed two complaint with this agency, and had to this date not received a response. However, I cant say that they were able to completely lock my XXXX account and I have not been able to get any information at all on anything and they have also been able to tell me invalidate my phone numbers. There is at least {$2400.00} worth of outstanding money that the thieves should not have been able to obtain. Apparently they even spoke to Bank of America fraud department and were able to get fraudulently looking. Looking transactions approved as if they were me. I would like someone to contact me at their earliest convenience. I would like these charges investigated and the criminals prosecuted.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

SC

29673

Consent provided

Web

2023-01-27

Closed with monetary relief

Yes

2022-05-19

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

in accordance with the fair credit reporting act.the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 15 U.S.C 1681 section 602A. 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 furnisg 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 crime which antedates the report by more than seven years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

77901

Consent provided

Web

2022-05-19

Closed with explanation

Yes

2023-08-01

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

Credit reporting

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

Their investigation did not fix an error on your report

My credit report is showing late payments to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX 's customer service representative.

EQUIFAX, INC.

CA

91601

Consent provided

Web

2023-08-01

Closed with non-monetary relief

Yes

2020-06-05

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.

National Credit Adjusters, LLC

TX

78218

Consent provided

Web

2020-06-05

Closed with explanation

Yes

2023-04-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

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

EQUIFAX, INC.

SC

29229

Consent provided

Web

2023-04-07

Closed with explanation

Yes

2022-12-12

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

Credit reporting

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

Their investigation did not fix an error on your report

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}. Please send me the results of your investigation within the next 30 days and correct the disputed account from any erroneous reporting of information on my XXXX XXXX.

EQUIFAX, INC.

AR

72015

Consent provided

Web

2022-12-12

Closed with explanation

Yes

2017-03-07

Debt collection

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

Disclosure verification of debt

Not given enough info to verify debt

Initial debt with XXXX started in XX/XX/XXXX charged off account. Collection agency started reporting in XX/XX/XXXX. Still attempting to and reporting on a debt that is past the statute of limitations.

CL Holdings LLC

OH

451XX

Servicemember

Consent provided

Web

2017-03-07

Closed with non-monetary relief

Yes

No

2022-12-02

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/2022 XXXX XXXX used discriminatory practices against me by denying me extension of my own credit. XXXX XXXX was informed via email that it's unlawful to deny someone extension of their credit and that the Equal Credit Opportunity Act prohibits discrimination in denying the original creditor known also known as the consumer their own credit. Employees of XXXX monetized by securitizing the the application. Pursuant to 15 usc 1691-scope of prohibition ( 3 ) it shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicant 's income derives from any public assistance program ; or ( 3 ) because the applicants in good faith exercised any right under this chapter. XXXX did not provide the opt out disclosure for the original creditor/consumer not to have any information reported to the consumer reporting agencies who are Nonaffliated third party pursuant to 15 usc 6803 which violated Gramm-Leach-Bliley Act. Employees of XXXX refused to admit that the application did in fact generate profit which is extortion. Congress says that credit is the right granted, this means a denial is discriminating against the original creditor/consumer. Under the credit reporting act 15 usc 1681a definition section ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. Monetary fees are payments. The financial institution and the consumer reporting agencies are conspiring against any Man and/or Woman ( the creation of the Creator ) to extort that Man or Woman out of an extension of credit. XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Sage StreamXXXXXXXX XXXX XXXXXXXX gets paid to furnish information on the Original Creditor. When Financial Institutions pay to report information that constitutes a breach of fiduciary duty. This means that Congress is well aware that a system was built to access credit and found a way to trick you into paying them every month. There's no such thing as late payments and I have no contract with any of these consumer reporting agencies to furnish non public information on or about me which is identity theft.

ID Analytics, Inc.

TN

37115

Consent provided

Web

2022-12-21

Closed with explanation

Yes

2016-08-13

Debt collection

Non-federal student loan

Cont'd attempts collect debt not owed

Debt was paid

This was a medical bill should have been billed to medical insurance.

Golden State Collections LLC

CA

94080

Consent provided

Web

2016-08-13

Closed with explanation

No

No

2022-11-06

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

Credit reporting

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

Investigation took more than 30 days

I sent a letter out on XX/XX/2022 to XXXX, Equifax, and XXXX. However, its been more than 30 days and the credit bureau failed to send my investigation back. This is not making sense. According to the law 15 U.S. Code 1681i Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

EQUIFAX, INC.

TN

38018

Consent provided

Web

2022-11-06

Closed with explanation

Yes

2017-07-02

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

Credit reporting

Incorrect information on your report

Account status incorrect

During the week of XX/XX/XXXX, I reached a settlement on the two credit card accounts I have with XXXX. On XX/XX/XXXX, I paid off both credit card accounts with XXXX for the settlement amounts, ending in XXXX for {$560.00} and XXXX for {$4400.00}. XXXX has reflected the payments I made to the 3 credit bureaus Experian, XXXX, and XXXX, but refused to report the accounts paid in full and the remaining balance is posted as due and owing. I contacted XXXX on multiple occasions and was told I would be receiving a fax, which never occurred. On the most recent call, I was told the fax would take 10 days from XX/XX/XXXX which is an unreasonable length of time ( over 21 days since payoff, if it is ever sent ). I have previously exhausted the dispute process with the credit bureaus and since no letter was provided by XXXX I am unable to provide written proof of the settlement. Verbally, XXXX acknowledges a settlement was reached and the account was paid. However, they refuse to simply put it in writing on a brief document and provide it to the consumer, and have not updated the accounts as settled with the three credit bureaus. They state it will take 2 or 3 MONTHS to report the settlement! I feel XXXX is intentionally delaying since they have received their payments, and this is unfair to the consumer. I paid promptly upon settlement, XXXX needs to demonstrate the settlement promptly in writing and with the three credit bureaus. I have attached a copy of my triple bureau credit report which reflects the XXXX accounts that are incorrectly reported.

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

Experian Information Solutions Inc.

WA

981XX

Servicemember

Consent provided

Web

2017-07-02

Closed with explanation

Yes

2017-09-29

Debt collection

Medical debt

Written notification about debt

Didn't receive enough information to verify debt

For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.

Company believes it acted appropriately as authorized by contract or law

TENET HEALTHCARE CORPORATION

GA

30106

Consent provided

Web

2017-09-29

Closed with explanation

Yes

2023-03-29

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to 3 Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove it from my personal credit file. Thank you. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

FL

322XX

Consent provided

Web

2023-03-29

Closed with explanation

Yes

2018-01-26

Debt collection

I do not know

Written notification about debt

Didn't receive enough information to verify debt

i was just looking at my credit report and i was a collections from XXXX XXXX XXXX for the sum of XXXX for a account i do not know about.

Company believes it acted appropriately as authorized by contract or law

Trident Asset Management, L.L.C.

NY

11746

Consent provided

Web

2018-01-26

Closed with explanation

Yes

2023-08-28

Credit reporting or other personal consumer reports

Credit reporting

Incorrect information on your report

Information belongs to someone else

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11520

Consent provided

Web

2023-08-28

Closed with non-monetary relief

Yes

2023-01-22

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

Credit reporting

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

Investigation took more than 30 days

I sent a complaint asking XXXX, XXXX, and Equifax to investigate my accounts. Her is the complaint ID XXXX, XXXX, XXXX. These consumer reporting agencies are in violation. According to XXXX XXXX XXXX - XXXX, XXXX, and Equifax have 30 days to investigate and send me results. And they also didn't even record the current status of the disputed information which is another violation.

EQUIFAX, INC.

OH

43119

Consent provided

Web

2023-01-22

Closed with explanation

Yes

2023-01-05

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

All three bureaus are incorrectly reporting my credit card balances and its hurting my score drastically

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

AL

35226

Consent provided

Web

2023-01-05

Closed with explanation

Yes

2022-03-13

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

On XXXX, I XXXX XXXX XXXX the consumer, notified TRANSUNION, XXXX, & XXXX ( The CRAs or Credit Reporting Agencies ) that Im a victim of identity theft. I have proof and evidence the CRAs received my communication. The CRAs are willfully reporting unvalidated unauthorized items on my consumer report. The person furnishing this misleading information has no permissible purpose to do so. The CRAs failed to block the information I filed with the FTC and sent me correspondence stating the information inside of my identity theft report has been investigated and proven to be accurate, verifiable and will continue to report as such. Pursuant to 15 USC 1681d ( b ) Im requesting the nature and scope of the investigation the CRAs used to verify this information. Pursuant to 15 USC 1681i ( A ) ( 6 ) ( B ) Im requesting a DESCRIPTION of the procedure used to determine the accuracy and completeness of the information. This shall be provided to me by TRANSUNION, XXXX, & XXXX. Ive already contacted the furnishers of the fraudulent reporting. All furnishers have failed to provide the validation of the alleged debts being reported on my consumer report. The furnishers will face litigation for failing to delete the information Im clearly and conspicuously stating is fraud. Im NOT requesting the business name, address, telephone number of the furnishers because I already have that information. Im requesting the scope of investigation and the DESCRIPTION of the procedure used to verify this information. The CRAs know or should know that they cant use the information inside of I, the consumers file prior to the block request to verify information reported as identity theft. Pursuant to 15 USC 1681c-2 ( c ) ( 3 ) the presence of information in my file prior to the notice of identity theft is not evidence of verification.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23324

Consent provided

Web

2022-03-13

Closed with non-monetary relief

Yes

2022-05-13

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 had a inquiry to come on my XXXX account that I have any knowledge of. The inquiry comes from a company called cash central. I reached out to the company and they could not find my info anywhere in their system. I have never tried to take a loan out with them and do not have any open installments with them. Someone has accessed my info and tried to take a loan out in my name.

CCF Intermediate Holdings LLC

MS

38671

Consent provided

Web

2022-05-13

Closed with explanation

Yes

2018-09-05

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

There is a hard inquiry on my XXXX credit report that I do not recall nor authorize the below company. Letters ( XX/XX/XXXX and XX/XX/XXXX ) were sent to the company attempting to get this removed. No response! Syncb/XXXX XXXX, FL XXXX

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

SYNCHRONY FINANCIAL

MD

20735

Consent provided

Web

2018-09-05

Closed with non-monetary relief

Yes

2022-12-08

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

Credit reporting

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

Their investigation did not fix an error on your report

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33018

Consent provided

Web

2022-12-08

Closed with non-monetary relief

Yes

2022-04-27

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

Credit reporting

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

Their investigation did not fix an error on your report

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

92407

Consent provided

Web

2022-04-27

Closed with non-monetary relief

Yes

2022-10-12

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

15210

Consent provided

Web

2022-10-12

Closed with non-monetary relief

Yes

2015-04-07

Debt collection

Medical

Disclosure verification of debt

Not given enough info to verify debt

I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account.

Company believes it acted appropriately as authorized by contract or law

R.M. Galicia, Inc.

CA

92345

Servicemember

Consent provided

Web

2015-04-14

Closed with non-monetary relief

Yes

No

2020-11-02

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

Credit reporting

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

Investigation took more than 30 days

XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY RENTDEBT AUTOMATED XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3000.00} past due as of XX/XX/2020. Account TypeCollection Balance {$3000.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusClosed. Account TypeCharge Card Balance {$100.00} Date OpenedXX/XX/XXXX Dispute XXXX/XXXX XXXX potentially negative icon Potentially Negative StatusOpen. Account XXXX XXXX XXXX {$0.00} Date Opened

EQUIFAX, INC.

TX

77632

Consent provided

Web

2020-11-02

Closed with explanation

Yes

2023-07-17

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the Fair Credit Reporting Act, the auto loan account with XXXX XXXX has violated my rights. Section 602 of 15 USC 1681 establishes my right to privacy. Additionally, Section 604A ( 2 ) stipulates that a consumer reporting agency can not furnish an account without my written instructions. Furthermore, under 15 USC 1666B, a creditor may not treat a payment on an auto loan account as late for any purpose under an open-end consumer credit plan. In addition to the previous information, it is important to note that my request sent in XX/XX/2023 to the credit bureaus via USPS certified mail, regarding the correction of errors in my personal information and disputes, was never answered. This failure to respond violates the provisions of the Fair Credit Reporting Act, specifically Section 611 ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must promptly investigate and correct inaccurate or incomplete information upon receiving a consumer 's dispute. The credit bureaus ' non-response is a clear violation of this legal requirement.

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

Experian Information Solutions Inc.

TX

76502

Servicemember

Consent provided

Web

2023-07-17

Closed with explanation

Yes

2020-12-20

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/2020, a debt collections record appeared on my credit report. The debt is for the amount of {$690.00} and the collection agency is EOS CCA. After investigating further it appeared that XXXX XXXX is asking for the debt to be collected. When I called XXXX they said they dont have an outstanding balance for that amount in my account. I have already cancelled XXXX but I dont owe that amount. I have never been called about a debt collection for this either. Yet I havent been able to get anyone in XXXX to remove this debt collection from my account. This came at a horrible time as we are trying to buy a house and now my credit score went down by 50 points

EOS Holdings, Inc.

CO

802XX

Consent provided

Web

2020-12-20

Closed with explanation

Yes

2018-02-05

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

Hard Credit Inquiry on my Credit Report with XXXX. It needs to be removed immediately.

Innovis

PA

15090

Consent provided

Web

2018-02-05

Closed with explanation

Yes

2022-07-14

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

Credit reporting

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

Their investigation did not fix an error on your report

When I reviewed my Complaints # XXXX, XXXX, and XXXX, I discovered that you have closed it last XX/XX/22 upon checking it. Again, the 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX : {$9800.00} ; XXXX XXXX Balance : {$280.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}

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

Experian Information Solutions Inc.

MI

48239

Consent provided

Web

2022-07-14

Closed with explanation

Yes

2017-09-09

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

Unauthorized inquiry from theXXXX XXXX. I would like this inquiry removed as I am not familiar with this company or the request for credit. Please provide the application or remove item from credit bureau as an inquiry.

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

Experian Information Solutions Inc.

CA

XXXXX

Consent provided

Web

2017-09-09

Closed with explanation

Yes

2023-06-08

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

Credit reporting

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

Problem with personal statement of dispute

On XXXX XXXX I received an alert from credit karma stating that my XXXX XXXXXXXX account had been deleting from reporting, today I received another alert that it had been reinserted into my equifax credit file in which I have not been informed 5 days prior to reinserting 15 USC 1691i ( B ) requirements relating to reinsertion of previously deleted material. My consumer protected rights have been violated on multiple occasions and I do not understand why. Please discharge this account information from your books as it is prohibited to share transaction history 15 USC 1681b ( 2 ) ( I ) exclusions in reporting containing information solely as to transactions or experiences between the consumer and the person making the report. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with XXXX XXXX equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable.

EQUIFAX, INC.

LA

704XX

Consent provided

Web

2023-06-08

Closed with non-monetary relief

Yes

2022-06-26

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

Credit reporting

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

Their investigation did not fix an error on your report

There is inaccuate information in my credit report. This agency has not resolved the issues and therefore is not in compliance with FCRA laws.

EQUIFAX, INC.

FL

32303

Consent provided

Web

2022-06-26

Closed with explanation

Yes

2016-09-20

Debt collection

I do not know

Cont'd attempts collect debt not owed

Debt is not mine

I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.

Southwest Credit Systems, L.P.

NJ

07205

Consent provided

Web

2016-09-20

Closed with explanation

No

Yes

2018-04-16

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

Credit reporting

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

Investigation took more than 30 days

Hi there, I submitted a " XXXX XXXX '' via the website XXXX XXXX to Transunion to remove a closed account under my name for {$2500.00}. I submitted the dispute on XX/XX/2018 and just now received a notice that they completed their investigation on XX/XX/2018. This totals as 47 days. From my understanding of the Fair Credit Reporting Act, Section 611, they are only allowed to have 30 days to respond. I did not supply them with additional information within the 30 days of their investigation, which from my understanding, means they did not have the right to include an additional 15 days to their investigation.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90029

Consent provided

Web

2018-04-16

Closed with explanation

Yes

2018-12-17

Debt collection

Auto debt

Threatened to contact someone or share information improperly

Contacted your employer

We have verbally and in writing asked Harley Davidson Credit Services to NOT call me at my employment. They still continue and now have a third party call and state they are an investigator looking for me. I have written proof asking them to stop and have the screen shots of the work phone and messages from my employer telling me all the things that are said and asking for me to get them to stop because it is upsetting to the staff. I work at non profit church.

Harley Davidson Financial Services Inc

KY

41501

Consent provided

Web

2018-12-17

Closed with explanation

Yes

2018-05-26

Student loan

Private student loan

Struggling to repay your loan

Can't get other flexible options for repaying your loan

It is a private loan with Navient I am unable to find flexible repayment options. I've been repaying these loans for a long time at least 10 years and they never offer different option for repayment plans. I feel the school was also predatory because they told me I could consolidate these private loans and it was very misleading on the school part.

Navient Solutions, LLC.

CA

92410

Consent provided

Web

2018-05-26

Closed with explanation

Yes

2021-01-10

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 mailed a letter to the credit bureaus on XX/XX/2020 and I have not received a response from them. I'm hoping CFPB can help me with getting a response from them. it has been more than 30 days and i understand there is delay in receiving mail due to Covid19. But this is so crazy. The inaccurate information on my report is hurting my credit. i'm reaching out to you for help. If they are unable to complete their investigation within the required time or if they find the items can not be verified the items must be removed from my report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91387

Consent provided

Web

2021-01-10

Closed with explanation

Yes

2017-10-23

Debt collection

Credit card debt

Took or threatened to take negative or legal action

Collected or attempted to collect exempt funds

To whom it may concern, I submitted a complaint to Navy Federal on XXXX/XXXX/XXXX regarding their practice of automatically transferring funds from a joint savings account that I am on with my husband to pay for a Navy Federal credit card that my husband is on individually. I am including a copy of the original complaint with this submission to the CFPB. My concerns are that funds that are jointly owned by me are being taken by Navy Federal when : I am not a joint obligor or authorized user of my husbands credit card ; I am not sure when the credit card account was opened ; I do not have access to payment information ( including due dates, balances, payment arrangements, etc. ) on the credit card and am not aware of any alleged delinquency until the funds have already been taken by Navy Federal ; My husband told me that he has the payments for his credit card scheduled to come out of his Navy Federal checking account and that the payments have been made every month, yet Navy Federal continues to take payments from our joint account ; Since I am not an obligor on the credit card, Navy Federal will not discuss the credit card account with me or allow me to dispute the transfers. I therefore, have no recourse although I have rights to the joint account from which they took funds ; I was not made aware at any time, in account opening disclosures or otherwise, by Navy Federal that funds placed in a joint account can be pledged as security with the consent of only one joint account holder, for repayment of their individual credit ; It is unclear if they have exhausted all efforts to collect from my husband and his individual accounts before pulling the funds from our joint account ; Thus far, Navy Federal has not sufficiently addressed my concerns. Navy Federal responded on XXXX/XXXX/XXXX with the following : " Thank you for using Navy Federal 's eMessaging Service, XXXX XXXX. If the minimum payment is not received by the due date and a payment arrangement has not been communicated to our Collections Department, funds up to the full past due amount can be transferred to cover the amount owed. The funds are transferred in accordance with the Credit Card Application Disclosure statement, in which he pledged security interest in any share or joint account ( excluding IRA accounts ) should the credit card fall past due. Should you require further assistance or have any additional questions, please contact us at XXXX. Our hours of operation are Monday through Friday from XXXX XXXX to XXXX XXXX and weekends from XXXX XXXX to XXXX XXXX, Eastern time. We look forward to hearing from you. '' The above response from Navy Federal indicates that my husband pledged a security interest in our joint account in accordance with the Credit Card Application Disclosure statement, which Navy Federal has not provided me a copy of, because I do not have a credit card with Navy Federal. I do not live in a community property state and did not live in a community property state at the time that I opened an account at Navy Federal, nor does my husband have power of attorney to act on my behalf in pledging assets owned or partially owned by me as security for anything. To date, Navy Federal has not addressed my concerns in phone conversations with representatives or provided an adequate response to my written complaint. Please review my initial complaint. Your assistance is appreciated in resolving this matter. XXXX XXXX

Company believes it acted appropriately as authorized by contract or law

NAVY FEDERAL CREDIT UNION

HI

96786

Servicemember

Consent provided

Web

2017-10-23

Closed with explanation

Yes

2019-10-30

Checking or savings account

Checking account

Managing an account

Problem making or receiving payments

I purchased some items from two retail stores. One online at XXXX ( XX/XX/19 ), and one in store at XXXX ( XX/XX/19 ). I used my citibank debit card for both purchases. I later needed to return part of my purchase from the XXXX order, to the value of {$120.00}, and the item from XXXX to the value of {$49.00}. I went in store to return the XXXX item ( XX/XX/19 ) and mailed the XXXX items back to await my refund ( XX/XX/19 ). I then needed to close my Citibank account the following day ( XX/XX/19 ), being told by Citibank that there were no pending transactions on my account and that it was safe to close. XXXX informed me that their refund would not process to a closed account and that it would instead bounce back, at which point I would be able to request them to send the money to a different account. XXXX gave me similar information, that the refund should bounce back and they could then process the refund to a different account. After waiting the requested amount of time by both retailers ( up to 10 business days ) I contacted both retailers and asked if the money had bounced back, however both said that the money had been accepted by Citibank ( and sent their proof/bank response codes, attached ). I then called Citibank to locate the missing refunds, however they informed me that there was no possibility of the money being deposited into a closed account and they did not receive the funds. Since then, I've visited several branches, and spoken to several representatives at Citibank who all said Citibank could not locate funds and therefore the funds were still with the retailers. The bankers even submitted tickets to technical support ( twice, one of these is attached ) which I never received ANY responses to - not even a negative response, I was completely ignored. One banker told me the money would be located within a ledger at the branch that I opened my account in, so I went to that branch and of course they could not locate the funds in the ledger. It has been months and I've spoken to every possible person that could help me from all three companies and no one can locate the funds. Please see attached my final statement from Citibank that shows both purchases highlighted, with no refund amounts from either merchant present on the account by the time of closure.

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

CITIBANK, N.A.

NY

11104

Consent provided

Web

2019-10-30

Closed with monetary relief

Yes

2022-10-19

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 fil ing a legal complaint against you!

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

Experian Information Solutions Inc.

OH

44120

Consent provided

Web

2022-10-19

Closed with explanation

Yes

2022-01-21

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

Credit reporting

Incorrect information on your report

Account information incorrect

My husband I have a mortgage with Wells Fargo. We got behind on our mortgage in XXXX but made a payment to catch every month up in XXXX, XXXX except one month ( XX/XX/XXXX payment ), This happened right before our home loan went into deferment in XX/XX/XXXX due to a XXXX XXXX hardship. I made the XX/XX/XXXX payment in XXXX, XXXX. We currently owe nothing on our home loan with Wells Fargo for months prior to the date Wells Fargo granted a deferment ( XX/XX/XXXX ). However Wells Fargo has the loan reported as delinquent at XXXX days late on my credit report. Actually they have reported XXXX, XXXX, XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX as not current and then nothing is reported after that. So when reviewing my credit report it shows the loan as not current and sitting at XXXX days late. I reviewed the credit laws surrounding the CARES Act and it states if the loan is made current during the deferment then the mortgage company must report this to the credit bureaus. I disputed it with XXXX and they investigated and did nothing. They would change nothing on my credit report. We are currently going through a loan modification process with Wells Fargo so the loan is not delinquent and should not be reported as such on my credit report. I am asking your agency to investigate this issue and make Wells Fargo report my mortgage loan correctly as required by the CARES Act. Their actions have damaged my credit and I can not qualify for a loan with any business at this time. It has been this way for over a year now.

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

WELLS FARGO & COMPANY

NC

27527

Servicemember

Consent provided

Web

2022-01-21

Closed with explanation

Yes

2023-06-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

DE

198XX

Consent provided

Web

2023-06-26

Closed with non-monetary relief

Yes

2022-08-17

Checking or savings account

Checking account

Managing an account

Funds not handled or disbursed as instructed

On XX/XX/2022, I was informed via email my checking account was being closed & I'd recieve my funds within 30-60 days. Here it is, past 60 days & I have not received my funds. I have only XXXX dollars in my account. I was told a deposit that was sent over would not be accepted due to the account being closed but was later accepted. Funds still can't be used. I was told my account had fraudulent activity but was never informed or recieved any calls about anything. THEY TOOK MY MONEY.

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

CITIBANK, N.A.

OK

73162

Consent provided

Web

2022-08-18

Closed with monetary relief

Yes

2022-08-31

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

My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

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

Experian Information Solutions Inc.

TX

75063

Consent provided

Web

2022-08-31

Closed with explanation

Yes

2022-10-25

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 XXXX XXXX ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

EQUIFAX, INC.

CA

92504

Consent provided

Web

2022-10-25

Closed with explanation

Yes

2020-09-18

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX Balance Owed : {$24000.00} - I was very sick and was affected by COVID. Please update late payments on this account. XXXX XXXX Balance Owed : {$8800.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. XXXX XXXX XXXX Balance Owed : {$0.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020. XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} - I was very sick and was affected by COVID. Please update the late payments on XX/XX/2020.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

XXXXX

Consent provided

Web

2020-09-18

Closed with explanation

Yes

2020-12-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

These two accounts listed are not my accounts. Please remove them.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NV

89044

Consent provided

Web

2020-12-01

Closed with explanation

Yes

2023-04-03

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2023 I received a report from all XXXX credit bureaus stating SENSIBLE AUTO placed my account into Collections. On XX/XX/2023 I Disputed with all three Credit bureaus regarding XXXX XXXX. For starters XXXX XXXX illegally sent my account to collections months before the legal requirement of 180 days. As well as filed and sent me a copy of Form 1099C Cancellation of debt under code [ G ] signifying that all debt has been paid In Full. I sent this evidence to all XXXX Credit Bureau and they only changed the status from Collection to Paid In Full/After Charge off. I also noticed that the new reportings from the bureaus all had different last payment dates. XX/XX/2023 I Disputed again that this account should be closed and Paid in full and not a charge off or collection, and this time the reports status said Open and comments read late on no more then two payments past due. And the last payment made disappeared. I then contacted the bureaus and expressed to them that this is a form of Tax fraud from XXXX XXXX because they tried to charge off the car after filing a 1099c to cancel 100 percent of the debt and then try to send me to a collection agency to get more money out of me on top of trying to illegally repossessing my car. I have alerted the IRS of this matter as well.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NJ

086XX

Consent provided

Web

2023-04-03

Closed with non-monetary relief

Yes

2020-04-18

Vehicle loan or lease

Loan

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

Investigation took more than 30 days

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

AMERICAN HONDA FINANCE CORP

CA

90017

Consent provided

Web

2020-04-21

Closed with explanation

Yes

2019-12-05

Checking or savings account

Checking account

Managing an account

Deposits and withdrawals

On Sunday XX/XX/2019, I went to deposit money after to work into a walk up ATM at Wells Fargo XXXX XXXX XXXX, XXXX, VA XXXX when the ATM froze during my deposit. I reached out to Wells Fargo Customer service number to file a report. I received an Email saying money would be credited back within 2 business days. It is no Thursday XX/XX/2019 and nothing has been resolved. I was also told over the phone at the branch themselves that there would be no manager today to help me. I reached out to the AG office of Virginia and was told you would also be able to help. I have attached time stamped photos of the ATM frozen during my deposit. Cheers XXXX XXXX XXXX XXXX

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

WELLS FARGO & COMPANY

VA

22408

Servicemember

Consent provided

Web

2019-12-05

Closed with explanation

No

2018-03-23

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

Credit reporting

Incorrect information on your report

Account information incorrect

A XXXX XXXX XXXX collection appeared on my bureau debt was paid directly to hospital and nothing is owed to XXXX

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

IL

604XX

Consent provided

Web

2018-03-23

Closed with explanation

Yes

2023-03-09

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

Credit reporting

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

Their investigation did not fix an error on your report

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

EQUIFAX, INC.

IL

604XX

Consent provided

Web

2023-03-09

Closed with explanation

Yes

2019-10-28

Checking or savings account

Checking account

Closing an account

Company closed your account

I called USAA today XX/XX/XXXX because someone emailed me and said my account was closed. I get XXXX income on the first of the month so it was no time for me to change my direct posit they told me thats not their problem and that my account was close on the XXXX I never got a letter saying that my account was closed or anything like that Ive had that been for a very long time they know that I get direct apposite but yet they close it over {$29.00}. And then I told the lady that I cant be late with my bills she told me oh well maybe theyll see you the check and 20 days and I was like that wont work how am I going to feed my family. She said well send it in 20 days

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

AZ

85138

Servicemember

Consent provided

Web

2019-10-28

Closed with explanation

Yes

2023-05-30

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

Credit reporting

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

Investigation took more than 30 days

I am writing to formally express my serious concern and dissatisfaction with the conduct of your company, which I believe is in direct contravention of numerous provisions under the Fair Credit Reporting Act ( FCRA ). The distress caused to me due to your company 's reporting of inaccurate, incomplete, and misleading information is substantial. This has not only impaired my reputation but has also created hurdles in my pursuit of personal and home credit, thereby adversely affecting my overall lifestyle. As per the provisions of the Fair Credit Reporting Act ( FCRA ), I DEMAND that within the requisite thirty ( 30 ) days, all items which can not be verified be duly DELETED and MODIFIED respectively from my credit report. Your company 's role in collating and assessing consumer credit is of critical importance, as stated in 15 U.S. Code 1681 ( a ) ( 3 ). By not abiding by the laws, you have negatively impacted the efficiency of the banking system and undermined the public trust it requires for seamless functioning. On XX/XX/XXXX, I delivered my first correspondence, in sight of a State Officer, which aimed to inform you of the accounts inaccurately reported on my consumer credit report. Despite my clear request for method certification and explicit refusal to consent to XXXX XXXX Compliance or any Automated Dispute System or Automated Reinvestigation System, there has been no response from your end after thirty days. This silence is concerning, particularly considering U.S. Code 15 1681i, which mandates prompt action to delete or modify the disputed information based on the results if an investigation is not completed within thirty days - a duty which you failed to uphold. I further highlight my right to privacy, fairness, and impartiality, as prescribed in 15 U.S. Code 1681, which currently seems to be disregarded. My written instructions, as outlined in 15 U.S. Code 1681b ( f ) ( e ) and 15 U.S. Code 1681b ( a ) ( 2 ), appear to have been overlooked, adding to the grievances caused by your non-compliance with federal law. Additionally, I would appreciate clarification about the course of the investigative process, if it was conducted, considering the provisions of 15 U.S. Code 1681a ( e ). As a consumer, I have the right to know who was contacted in the process of collecting information concerning my character, general reputation, and mode of living. In light of the case Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), I feel compelled to remind you that your company can be held accountable for willful non-compliance and any consequential damages. The repercussions of your actions are real, affecting my life significantly. Given the gravity of the situation, and being a litigious consumer, I assert that I will not refrain from pursuing legal action, if required, for any infringement on my right to privacy and for the circulation of false information on my consumer report. Juggling multiple roles in my personal life, including and ensuring the well-being of my family amidst a crippling economy, I find this added distress caused by your company 's inaccurate and negligent investigational procedures and reporting truly overwhelming. I urge you to take immediate action to rectify these inaccuracies, or I will have no choice but to seek legal redress for these violations of the FCRA, including 15 U.S. Code 1611, 15 U.S. Code 1681n, and 15 U.S. Code 1681o, and for personal damages inflicted upon my character. Let 's not be unambiguous here, you are clearly violating the Fair Credit Reporting Act, and if this continues I will not hesitate to proceed with litigation against you.

EQUIFAX, INC.

NJ

074XX

Consent provided

Web

2023-05-30

Closed with non-monetary relief

Yes