Datasets:

aciborowska

/

customers-complaints

like 1

2022-09-11

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

My name is XXXX XXXX. I was checking my credit report on XXXX XXXXXXXX XXXX and I noticed there are several inquiries that I have never authorized. I tried calling XXXX, XXXX, and Transunion and sending them letters, but I have never gotten any response for over 45 days. In accordance with the Fair Credit Reporting Act, the Credit Bureaus have violated my rights. Under 15 U.S.C. 1681 section 602 A, states that I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not finish an account without my written instructions. I have never given them instructions. I do not recognize the following inquiries : ( name / date reported ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have tried and asked them a few times to correct this problem the Fair Credit Report Act states that they need to provide me proof of these inquiries and I have not gotten a thing. I want to see proof of my signature and signed contract, in regards to these inquiries, if they can't provide my signature, they need to DELETE those inquiries from my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33125

Consent provided

Web

2022-09-11

Closed with non-monetary relief

Yes

2021-06-27

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

Credit reporting

Incorrect information on your report

Account status incorrect

XX/XX/XXXX, I sent a letter to Comenity Capital bank, after already disputing the accounts, stating a settlement offer on an account. The letter stated upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/XXXX, they sent out a letter stating they would like me to call their recovery Department to resolve the issue. XX/XX/XXXX at XXXX XXXX, I called and the representative said I could settle the accounts and I would have to send the money orders individually instead of one money order for all accounts. She also gave me a settlement amount for each account. On XX/XX/XXXX, I sent a settlement letter and a XXXX XXXX money order in the amount of {$250.00}, the amount they gave me to settle the XXXX account with Comenity Bank. The money order, # XXXX was cashed on XX/XX/XXXX. As of XX/XX/XXXX, I have not received any notice, the amount I sent in was deducted from the balance and now showing a balance due and the account is still showing on my credit reports. Comenity did not settle the account and they did not remove all references from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.

Bread Financial Holdings, Inc.

AL

35810

Consent provided

Web

2021-06-27

Closed with non-monetary relief

Yes

2021-06-29

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 not mine and have never been mine. I do not recognize the items, I am victim of identity theft. I am very stressed out because I do not know what I can do in order to remove them from my credit profile. Its killing my financial side. Please remove them ASAP

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

33162

Consent provided

Web

2021-06-29

Closed with explanation

Yes

2023-01-30

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I am a natural person. I am a living human being. I have rights under 15 USC 1681 XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX permission to furnish these accounts. American Express acct # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I do not recognize the inquiries that appear on my credit report. I have requested XXXX to remove these inquiries several times and they have not.

AMERICAN EXPRESS COMPANY

IL

604XX

Servicemember

Consent provided

Web

2023-01-30

Closed with explanation

Yes

2022-11-29

Debt collection

Payday loan debt

Took or threatened to take negative or legal action

Threatened to sue you for very old debt

I received a letter from XXXX XXXX XXXX XXXX XXXX threatening a lawsuit over a cash advance loan that I have no recollection of ever getting.

Cottonwood Financial Ltd.

TX

76542

Consent provided

Web

2022-11-29

Closed with explanation

Yes

2023-08-08

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

Greeting, I am XXXX XXXX XXXX XXXX military. I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank you

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

VA

23455

Servicemember

Consent provided

Web

2023-08-08

Closed with non-monetary relief

Yes

2023-06-09

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

Company sold my loan to another collection agency without knowledge of transfer of debt nor a contract with me the consumer.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30318

Consent provided

Web

2023-06-09

Closed with non-monetary relief

Yes

2020-01-05

Credit card or prepaid card

General-purpose credit card or charge card

Trouble using your card

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

I missed a payment to my USBank credit card account due XX/XX/XXXX. This was the first and only, missed payment for my three ( 3 ) USBank credit card accounts, for five ( 5 ) years, approximately. The bank verified that I have NO prior late payments during the full time of my credit account history, confirmed in my call to a Cardmember Services ' agent, XXXX, on XX/XX/XXXX. USBank notified me by letter dated XX/XX/XXXX that the account in question was past due. The letter cited " Because of your late payment history, we have reduced your credit limit to {$8000.00} '' from {$10000.00}. The letter further stated the action was " effective immediately ''. I confirmed my EXCELLENT -- -no late payments -- -history for the account in question and all other of my USBank credit card accounts. The bank representative, XXXX, researched and confirmed my payment history for all of my USBank credit accounts. I further spoke with a Cardmember Services ' supervisor, XXXX, on XX/XX/XXXX about US Banks ' lowering my credit limit based solely on one ( 1 ) late payment on record. XXXX, the supervisor, confirmed the following : The USBank letter to me, dated XX/XX/XXXX DOES NOT state any other reason for lowering my credit limit. He confirmed this -- -NO OTHER reason -- -is stated in the letter for lowering my credit limit, other than the state- ment for one ( 1 ) late payment. XXXX reviewed the bank copy of this specific letter and admitted there was NO OTHER stated reason for immediately lowering my credit limit on the account in question from {$10000.00} to {$8000.00}. Further, XXXX stated specifically that USBank had, in fact, reviewed my credit bureau history, and would not verfify this IN WRITING to me. He stated this was the reason USBank lowered my credit limit -- - based on information NOT heretofore revealed or stated to me by USBank. I made my late payment for this account on XX/XX/XXXX in the amount of {$200.00}, verified as confirmation number XXXX XXXX XXXX. I have the USBank letter to me dated XX/XX/XXXX in my possession. I state, all of my preceding statements above are true and accurate to the best of my knowledge. USBanks ' actions on my credit account, in question, are based on incom- plete and unstated reasons for lowering my credit limit, denying USBanks ' actual action and not informing me, as well.

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

U.S. BANCORP

CA

949XX

Older American

Consent provided

Web

2020-01-10

Closed with explanation

Yes

2023-04-25

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

Credit reporting

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

Their investigation did not fix an error on your report

On XX/XX/2023 I contacted Lexis Nexis via mail with the enclosed letter to request they validate a total of 8 accounts ( 4 which were bankruptcies ) they were reporting. On XX/XX/2023 I received the enclosed Reinvestigation results from Lexis Nexis which shows that ( per pg 8 of the Lexis Nexis attachment ) only 3 bankruptcy records were validated via Pacer but does not specify which records exactly were verified.

LEXISNEXIS

GA

30253

Consent provided

Web

2023-04-25

Closed with explanation

Yes

2022-01-09

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

To Whom It May Concern : On or around XX/XX/2021, I purchased two tickets to see XXXX XXXX performed at XXXX XXXX XXXX in XXXX, XXXX on XX/XX/XXXX, XXXX I used my Capital One XXXX branded credit card to make this purchase. Shortly thereafter I attempted to dispute this charge online because tickets were never issued for the concert. I thought that I might have fallen victim to a fraudulent website that was either a ticket reseller, or a fake company altogether. CapitalOne issued a provisional credit. I should also mention that I attempted to complete a written dispute through CapitalOnes system, but the automated fraud-handling questionnaire instructed me to call CapitalOne revolving this dispute. Its my understanding that disputes that are phoned-in do not give consumers the same protection as written disputes ; however CapitalOne guided me to make a dispute over the phone. On or around XX/XX/XXXX, Capital One reversed the provisional credit, but never alerted me they had deemed my dispute invalid. I received no notification whatsoever. After an extensive search, I am confident I never received a phone call, an account alert, an email, or physical letter. On or around XX/XX/2021, additional travel restrictions were put in place requiring Americans traveling to XXXX to quarantine for an additional 2 days due to the Omicron variant. This effectively cancelled my trip to XXXX. I am escalating this dispute, because its my understanding that CapitalOne did not follow all requirements as outlined by the Fair Credit Billing Act. Furthermore, CapitalOnes actions could be considered an UDAAP violation, as they never alerted me as to why my dispute was rejected. I am requesting the CFPB compel CapitalOne to issue a charge-back to the merchant ( XXXX XXXX XXXX XXXX and refund the cost of the tickets, which comes to {$130.00}. I would also like an explanation as to why the provisional credit was reversed without any accompanying verbal or written communications to me. Its my understanding that communication is required by law. Thanks and regards, XXXX XXXX

CAPITAL ONE FINANCIAL CORPORATION

TX

75234

Consent provided

Web

2022-01-09

Closed with explanation

Yes

2022-03-31

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

Credit reporting

Incorrect information on your report

Account information incorrect

I HAVE CONTACTED THE CREDITORS ON XX/XX/XXXX, AND THEY STATED THEY SOLD THE ACCOUNTS AND NO LONGER HAD MY ACCOUNTS. THEY ALSO STATED MY ACCOUNTS SHOWED XXXX BALANCES. THEY ALL HAD SIMILAR STORIES. I HAVE TRIED TO REMOVE THESE ACCOUNTS FROM THE XXXX MAJOR CREDIT REPORTS AND ANY OTHER THAT MAY BE REPORTING FIRST REQUEST LETTER STARTING ON XXXX XXXX, XXXX, AND SECOND ON XX/XX/XXXX, THEY CAME BACK ONLY VERIFYING THE INFORMATION UPDATING THE DATES TO KEEP IT ON MY CREDIT REPORTS LONGER WITH IN CORRECT ACCOUNT NUMBERS, INCORRECT AMOUNTS OWED, INCORRECT COMPANIES OWED ETC. CREDIT BUREAUS REPORTING AMOUNTS ETC. THE DIRECT COMPANY AND ALL THREE CREDIT REPORTING AGENCIES WERE OF NO HELP TO ME AND THIS INFORMATION IS DAMAGING MY CREDIT FILES AND VIOLATING MY CONSUMER RIGHTS. I ASKED TO RECEIVE PHYSICAL DOCUMENTATIONS TO SUPPORT THE CREDIT BUREAUS FULL INVESTIGATIONS I ASKED FOR VERIFICATION BECAUSE MY CREDIT SCORES ARE IMPORTANT TO ME AND I DID NOT RECEIVE MY REQUESTS FROM ANY OF THEM. AGAIN, ALL DIRECT VIOLATIONS OF MY CONSUMERS RIGHTS AND FCRA.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

OH

448XX

Consent provided

Web

2022-03-31

Closed with non-monetary relief

Yes

2018-08-31

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

Registered prior to an account at CreditKarma.com. Claims to be a FREE credit SCORE site. Reset my password yesterday XX/XX/XXXX. Site - Requested my social security number last 4 digits, birth date, address and name. Never been able to access my credit scores or log into the site since : it immediately and 24hrs later just fails to load/ gives a " too many redirects site not accessible. '' There is no telephone support so I emailed customer service via their website. The email reply from service received today XX/XX/XXXX then asked me to fill out the help form on the site. I did that - again there they ask for the prior details ( " in order to quickly access your account and get a faster response. '' ) Today I then get a further customer service email from that, saying we need you to email us c copy of your drivers license or state ID in order to further resolve your access to log in to get your score. I sent an email refusing to do so. I have since found on their website many complaints about the site being fraudulent/ asking for social security numbers in order to access info etc etc - yet never then providing it, website " broken. '' The Q & A has ZERO responses to many of the complaints filed by customers and instead the " replies '' were posts that I myself have never done, but were displaying my user name as a reply to the complaint with a generic technical answer that is some jargon on their website. This site is fraudulent. CFPB needs to be aware - since its seems to have good reviews on the XXXX XXXX - it is misleading. Please try and access the site for yourselves, register and verify this - as well as search and view the many complaints of fraud from other clients. It is very dangerous, since it seems legitimate - and it requests and is therefore getting very sensitive client information including state IDs. licenses, birth dates, full addresses, emails etc etc

Credit Karma, LLC

IL

60649

Consent provided

Web

2018-08-31

Closed with explanation

Yes

2022-03-04

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXXXXXX XXXX XXXXXXXX

EQUIFAX, INC.

VA

23503

Servicemember

Consent provided

Web

2022-03-04

Closed with explanation

Yes

2022-11-18

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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

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

Experian Information Solutions Inc.

CA

92592

Consent provided

Web

2022-11-18

Closed with non-monetary relief

Yes

2021-01-11

Debt collection

Other debt

Attempts to collect debt not owed

Debt was paid

I recently received a letter from a debt collection agency indicating I owe XXXX {$20000.00} ( plus interest ). I was reportedly out of compliance with my XXXX XXXX XXXX contract. I was approved for the award, and in XX/XX/2019 I received a promotion within my agency ; however, it was at an unapproved site. I attempted to contact XXXX via phone indicating I would not be participating in the yet-to-begin ( contract to begin XX/XX/2019 ) contract, as I was moving to another site. In XX/XX/2019, I received the award in my bank account. I attempted to return it and contacted XXXX, but they said I never canceled my contract ( even though I called earlier in the year ) ; they said I had to submit written notice, although I was not advised of that when I called to cancel. After attempting to dispute and resolve this issue for close to a year, I was required to pay back the {$20000.00} award PLUS over {$10000.00} in fees. {$20000.00} was easily covered, as I held the award in a savings account, because I kept trying to return it. I have attempted to contact XXXX, but they are unable to assist me or provide me with any information as to why I reportedly still owe XXXX {$20000.00}. I got my last paycheck and learned my wages are being garnished, in the amount of almost {$500.00}. I contacted my HR department to see if they could see what the deduction was for, and they can't see that information, only that it's a federal debt. Interestingly, I have received no notice or communication that my wages would be garnished, nor has my agency ( XXXX XXXX XXXX XXXX ), which is inappropriate, unprofessional, and negligent. Please contact me to discuss, and hopefully clarify/resolve this issue. I should never have received a notice from a debt collection agency that I owe XXXX money with XXXX contact from XXXX, and now that I'm formally disputing the debt with the debt collector, I should not have my wages garnished.

TRANSWORLD SYSTEMS INC

WA

98106

Servicemember

Consent provided

Web

2021-01-27

Closed with explanation

Yes

2023-04-12

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

Credit reporting

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

Their investigation did not fix an error on your report

I have submitted at least 8 disputes this year to XXXX and Equifax regarding a duplicate account on my report they have never investigated this fully and when they do the account gets removed only to be put back on my report the next month the account with XXXX XXXX is for the same amount to report it twice the company XXXX XXXX changed the date of the amount which is also not correct. After multiple complaints to the credit agencies and XXXX they say they will fix it but never have and this has been going on for over a year. A duplicate account is on my reports from XXXX XXXX and the agencies refuse to properly investigate it.

EQUIFAX, INC.

TX

77004

Consent provided

Web

2023-04-12

Closed with explanation

Yes

2020-05-04

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

Experian is unable to verify my identity and I believe they have me down in their system as a minor. I am unable to do anything on their website or telephone system because they either don't ' have a human being I can talk to or their website will not recognize me.

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

Experian Information Solutions Inc.

IN

46142

Servicemember

Consent provided

Web

2020-05-04

Closed with non-monetary relief

Yes

2022-10-01

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

Credit reporting

Incorrect information on your report

Account information incorrect

The attached account reporting on my credit profile is incomplete. Per the FCRA, only accurate and complete verifiable information can be reported. The attached account is in violation of the FCRA and must be deleted immediately. I have written to Equifax on XX/XX/22, XX/XX/22, and XX/XX/22 with no results.

EQUIFAX, INC.

NC

27604

Consent provided

Web

2022-10-01

Closed with explanation

Yes

2023-04-13

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I XXXX do not owe this company any money. I dont have a signed contract with this company. I understand this company is a debt buyer of debt. But I do not owe them money. If we go to court I would win as judge would see I dont have a contract with this company. I request this company to delete all negative information off my credit report per fcra laws. If not Ill have to file suit in court.

The CBE Group, Inc.

CA

953XX

Consent provided

Web

2023-04-13

Closed with non-monetary relief

Yes

2023-07-16

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

Credit reporting

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

Was not notified of investigation status or results

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77301

Consent provided

Web

2023-07-16

Closed with non-monetary relief

Yes

2022-02-16

Credit card or prepaid card

General-purpose credit card or charge card

Fees or interest

Charged too much interest

Citibank charge {$23.00} on {$700.00} dollars for 30 days XX/XX/2022 and that is not the 13 % / 12 months. Further I do not agree to compound interest.

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

CITIBANK, N.A.

CA

XXXXX

Older American

Consent provided

Web

2022-02-16

Closed with monetary relief

Yes

2020-05-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

The following accounts and inquires I had nothing to do with.

EQUIFAX, INC.

MN

551XX

Consent provided

Web

2020-05-25

Closed with explanation

Yes

2023-02-02

Debt collection

Medical debt

Attempts to collect debt not owed

Debt is not yours

This the second attempt to collect on same debt financial corporation of America just changed the amount to a higher amount.

Financial Corporation of America

TX

77469

Consent provided

Web

2023-02-02

Closed with explanation

Yes

2023-05-31

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Someone is using a lost ID and attempting to apply for credit/loans showing up as hard inquiries on my credit report

Alliant Capital Management LLC

CA

91343

Consent provided

Web

2023-05-31

Closed with explanation

Yes

2023-04-01

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

XXXX is in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX may not disclose nonpublic personal information to a nonaffiliated third parties. XXXX has provided XXXX, XXXX, and Experian with information without providing me the consumer with disclosure in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title. XXXX has not given me the consumer time that such information is initially disclosed, to direct that such information is not disclosed to such a third party. XXXX has also failed to give me the consumer an explanation on how I can exercise that nondisclosure option.

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

Experian Information Solutions Inc.

MD

20706

Consent provided

Web

2023-04-01

Closed with explanation

Yes

2022-11-04

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

Credit reporting

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

Their investigation did not fix an error on your report

The credit bureaus are illegally reporting inaccurate information on my credit report.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

91387

Consent provided

Web

2022-11-04

Closed with non-monetary relief

Yes

2023-03-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX Balance : {$300.00} XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

EQUIFAX, INC.

GA

30349

Consent provided

Web

2023-03-04

Closed with explanation

Yes

2021-08-02

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

I contacted Macys on XX/XX/XXXX, XXXXby phone and via mail about a account that I was not aware of being a authorized user on and asked them to remove this account from my credit profile. I stated to them according to the FCRA section 601 I cant be held liable for a debt as a authorized user the representive stated that I would be removed and would receive this in writing. I have not heard from Macys at all I also sent out a letter asking for this item to be removed.

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

CITIBANK, N.A.

TN

38116

Consent provided

Web

2021-08-02

Closed with non-monetary relief

Yes

2022-06-24

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have reached out to transunion by online and mail. They have an account from XXXX XXXX XXXX that has been closed for 3 years now. They are updating balances on the account every few months. This account is closed. They are opening up the account then closing it. Ive asked for it to be removed they have refused to do their duty as a credit reporting agency. There is no reason that it has been closed but continue to report

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

Experian Information Solutions Inc.

NY

10454

Servicemember

Consent provided

Web

2022-06-24

Closed with explanation

Yes

2020-06-14

Debt collection

Credit card debt

Attempts to collect debt not owed

Debt was result of identity theft

My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and don't care who's credit or lives they impact.

ENCORE CAPITAL GROUP INC.

TX

XXXXX

Consent provided

Web

2020-06-14

Closed with non-monetary relief

Yes

2023-08-27

Debt collection

Credit card debt

Written notification about debt

Didn't receive enough information to verify debt

XXXX was asked to investigate and validate the accounts that are being reported to the credit reporting agencies. They failed to do so within the guidelines of the FRCA and FDCPA federal laws. I have been reaching out for months with no to minimal responses that were delayed and avoiding sending any information that has been requested. The information currently listed is inaccurate and has yet to be validated to provide accuracy. It is affecting my overall financial stability due to my credit score showing false reporting.

PORTFOLIO RECOVERY ASSOCIATES INC

CA

XXXXX

Consent provided

Web

2023-08-27

Closed with explanation

Yes

2017-10-07

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I am a victim of identity theft. The following XXXX credit card accounts are fraudulent and unauthorized : XXXX and XXXX, the following hard inquiries are fraudulent and unauthorized : 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.

ND

58201

Servicemember

Consent provided

Web

2017-10-07

Closed with explanation

Yes

2023-01-20

Credit card or prepaid card

General-purpose credit card or charge card

Problem with a purchase shown on your statement

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

I was scammed by a sophisticated pseudo scam thru XXXX and I disputed 17 charges for which they only claim to do an investigation of which they didn't do and then turn around and agreed with XXXX that it was ok for me to be scam of over 90 thousand dollars.

SUNCOAST CREDIT UNION

FL

32159

Consent provided

Web

2023-01-25

Closed with explanation

Yes

2023-07-11

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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. 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.

TX

79927

Consent provided

Web

2023-07-11

Closed with explanation

Yes

2021-06-28

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

Credit reporting

Incorrect information on your report

Public record information inaccurate

I contacted Experian and XXXX on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about 2 UNVERIFIABLE bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. Experian and XXXX says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. Experian and XXXX can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If Experian and XXXX don't delete them I will be looking for an attorney.

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

Experian Information Solutions Inc.

IL

60402

Consent provided

Web

2021-06-28

Closed with explanation

Yes

2022-01-05

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

Credit reporting

Incorrect information on your report

Account information incorrect

HYUNDAI MOTOR FINANCE, ,THEY ARE REPORTING INCORRECT INFORMATION TO THE CREDIT BUREAUS AND THEY SAY THEY ARE NOT RESPONSIBLE FOR IT

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

HYUNDAI CAPITAL AMERICA

FL

33012

Consent provided

Web

2022-01-05

Closed with explanation

Yes

2018-02-07

Debt collection

Medical debt

Attempts to collect debt not owed

Debt was paid

CBA reported false info on credit report. Debt was paid in full and balance is XXXX.

Company believes it acted appropriately as authorized by contract or law

CBA of GA, Inc.

GA

30328

Consent provided

Web

2018-02-07

Closed with explanation

Yes

2022-08-14

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

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give syncb/gap written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. Company : SYNCB/GAP DATE OF INQUIRY : XX/XX/ 2021 2021

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

SYNCHRONY FINANCIAL

NY

10459

Consent provided

Web

2022-09-02

Closed with non-monetary relief

Yes

2023-08-29

Credit reporting or other personal consumer reports

Credit reporting

Problem with a company's investigation into an existing problem

Their investigation did not fix an error on your report

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

KY

40241

Consent provided

Web

2023-08-29

Closed with non-monetary relief

Yes

2022-09-05

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

FL

337XX

Consent provided

Web

2022-09-05

Closed with non-monetary relief

Yes

2018-11-06

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

Credit reporting

Incorrect information on your report

Account status incorrect

I sent a certified letter on XX/XX/2018 to Clark County Collections for verification of this debt that is on my credit report. It has been over 30 days and I have received ZERO communications back from this company. Per section ( 609 ) of the Fair Credit Reporting Act I should have received validation and verification of this account within 30 days of my written request. Since this account was not verified or validated to be mine I would like this account to be deleted and removed from my credit report.

Clark County Collection Service

UT

84040

Servicemember

Consent provided

Web

2018-11-27

Closed with explanation

Yes

2023-08-09

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

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. 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.

WI

54956

Consent provided

Web

2023-08-09

Closed with non-monetary relief

Yes

2022-12-09

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

Ive been making payments towards my car loan. Recently my co signer declared bankruptcy and my loan company stopped reporting my payments to the credit bureaus. So Im making payments and they are not reporting them. I will keep filing complaints until this is back on my credit report. I spoke with a lawyer and what their doing is illegal according to him. If I have to take further legal action I will. I want my payments and history being reported. I am the buyer and the one making these payments they need to report that.

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

Bridgecrest Acceptance Corporation

CA

92084

Consent provided

Web

2022-12-09

Closed with explanation

Yes

2020-04-25

Credit card or prepaid card

General-purpose credit card or charge card

Other features, terms, or problems

Other problem

I was supposed to receive a credit balance refund check from chase after my credit card is closed. the check was supposed to sent out in XX/XX/2020, but i never recevied. After talking to Chase over the phone for 2 months for the check, they finally mailed me a cancelled check that was cashed by someone else on XX/XX/2020. after receiving the cancelled cash from Chase, I noted to Chase that the refund check was not received by me and asked for a new check. Now Chase forced me to sign the " Declaration of unauthorized endorsement or altered item '' form even though it was clear from the canceled check that the refund check was not signed by me and i did not do anything wrong ( never received the check, called them multiple times on this issue and pointed out to them that the cancelled check, which they have, noted that it was signed by someone else ). It might be within Chase policy, but this is a perfect example where " big banks '' post undue burden on a regular consumer to deflect their mistakes and hope that a regular consumer, like myself, would not follow up, so they can get away from their mistake.

JPMORGAN CHASE & CO.

NY

11355

Consent provided

Web

2020-04-25

Closed with explanation

Yes

2020-12-31

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

Credit reporting

Incorrect information on your report

Account status incorrect

I have two credit cards through Citibank. Around XXXX 2019 one of my on-time Citibank credit card payments was applied to the wrong account causing the intended account to show 30 days late. After contacting Citibank support several times and their investigating, I was finally connected to a XXXX XXXX XXXX XXXX ) in Citibank 's " Executive Response Unit. '' He confirmed that the late payment reported was in error and should not have occurred. He wrote a letter ( attached ) saying that the three credit bureaus would be contacted and told to remove the late payment history ( the only late payment in my 20+ year credit history ). XXXX and XXXX have not removed the late payment - XXXX has. Despite submitting a dispute to XXXX and including the necessary info they could use to verify that the late payment should be removed, they refuse to do so. I believe this is in direct violation of FCRA. They have information that knowingly shows what they are reporting is false. The dispute from XXXX is still pending. I am including all three companies : Citibank, XXXX and XXXX on this complaint.

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

CITIBANK, N.A.

IL

60561

Consent provided

Web

2020-12-31

Closed with non-monetary relief

Yes

2017-05-11

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

Credit reporting

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

Their investigation did not fix an error on your report

Between XXXX XXXX and XXXX this collection has been taken off my report and placed back this is not the first time. I was able to screen shot it this time. I have not signed any contract with this company and I feel it should be removed from all my reports as it has and been put back on I feel that this is unfair to remove items and place them back

EQUIFAX, INC.

SC

295XX

Consent provided

Web

2017-05-11

Closed with explanation

Yes

2020-01-31

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Company closed your account

On XXXX XX/XX/2019 I ended my account with PNC Bank. The credit card I had was a prepaid credit card for {$300.00}. I made a payment of {$290.00} as a final payment to close the account. I received a reimbursement check and cashed the check in XX/XX/XXXX around the fourteenth. There were overdraft charges that I challenged because the bank had taken the payment, then returned the payment, then took it again. I have spoken with multiple representatives. The bank has also changed the amount that they claim I owe. It has gone from {$300.00} to {$290.00} and now it is claimed to be {$100.00}. So even the bank can't figure out what is right.

PNC Bank N.A.

IN

462XX

Servicemember

Consent provided

Web

2020-01-31

Closed with explanation

Yes

2022-12-26

Debt collection

Credit card debt

Communication tactics

Frequent or repeated calls

Comenity Bank has made excessive calls ( XXXX calls in 2 days ). Often call back within a couple of minutes. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Calls were rejected due to times of calls being on holidays ( observed XX/XX/XXXX - XX/XX/XXXX ). This is harassment for less than {$100.00} debt.

Bread Financial Holdings, Inc.

CO

80233

Consent provided

Web

2022-12-26

Closed with explanation

Yes

2021-06-04

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

EQUIFAX, INC.

FL

33167

Consent provided

Web

2021-06-04

Closed with explanation

Yes

2023-06-30

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

I reached out to XXXX XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28269

Consent provided

Web

2023-06-30

Closed with non-monetary relief

Yes

2020-06-24

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

Credit reporting

Incorrect information on your report

Account status incorrect

Collection account has been paid in full on XX/XX/2020 to the original creditor of the account. Receipt proof was made available yet the account still remains the same after disputing twice. The collection agency claims their information is accurate but it is not accurate and I have proof of payment.

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

Experian Information Solutions Inc.

ID

83709

Servicemember

Consent provided

Web

2020-06-24

Closed with non-monetary relief

Yes

2023-03-14

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

Credit reporting

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

Investigation took more than 30 days

I hired a credit reporting agency, XXXX XXXX XXXX to handle all the discrepancies on my Trans Union XXXX credit reports after several letters to the credit agencies, they have failed to respond back and they have failed to remove any negative items that were discrepancies on my credit report I file XXXX XXXX bankruptcy there are still accounts showing on my credit report as negative under the XXXX XXXX, but they are not being handled the correct way XXXX XXXX XXXX has assumed power of attorney over my credit. The two have not received anything back after several letters to these agencies. This is negative negatively affecting my credit and no one has doing anything to help or fix or remedy the problem.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

187XX

Consent provided

Web

2023-03-14

Closed with explanation

Yes

2022-06-25

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

On XX/XX/2022 I submitted complaint # XXXX which included an identity theft report. Persuant to 15 U.S. Code 1681c2 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 appropriate proof of the identity of the consumer. on XXXX XXXX was given proof of the identity theft and has failed to remove the items within 4 days

EQUIFAX, INC.

FL

33702

Consent provided

Web

2022-06-25

Closed with explanation

Yes

2021-06-23

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

Credit reporting

Incorrect information on your report

Account status incorrect

I HAVE CALLED XXXX XXXX AND THE COMPANY XXXX XXXX ABOUT AN INCORRECT LATE PAYMENT. I HAVE NEVER HAD A LATE PAYMENT AND WOULD LIKE FOR IT TO BE CORRECTED ON MY XXXX, XXXX, AND TRANSUNION.I HAVE SENT LETTERS AND MADE PHONE CALLS WITH NO ONE AVAILABLE TO CHANGE THE STATUS!!

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

GA

30253

Consent provided

Web

2021-06-23

Closed with explanation

Yes

2022-07-19

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

Credit reporting

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

Was not notified of investigation status or results

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Pentagon Federal Credit Union Attn : Customer Relations Department XX/XX/XXXX Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to XXXX Credit Bureau. I have circled the items I dispute on the attached copy of my credit report ( s ). The items listed below, are in question and do not belong to me. I sent you a response on XXXX XX/XX/XXXX ; however, you failed to respond. This correspondence was received on XXXX XX/XX/XXXX by your office, USPS Certified mail confirmed delivery on XXXX XX/XX/XXXX. Tracking : XXXX. Because Youve failed to address these concerns, I am demanding removal of these items Under Section 609 and 611 of the Fair Credit Reporting Act ( FCRA ) I have requested documentation of the Method of Verification ( MOV ) and this information has not been provided either. ON or about XXXX XX/XX/XXXX, you responded to this last request for MOV, but failed to provide me with the substantiating records. The Rationale behind the removal request ( s ) is that each item marked below contains information referencing a XXXX XXXX Bankruptcy filing. However, no such record exists on my XXXX Credit File. Accordingly, this inaccurate reporting misrepresents my credit file, and can not be validated and must be removed. I am also attaching an FTC Identity THEFT report accordingly the items listed below need to be removed immediately. From my file. 1. Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. 2. T Inaccurate/Misleading Account Information being reported PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. 3. Inaccurate/Misleading Account Information being reported PENTAGON FCU Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 4. Inaccurate/Misleading Account Information being reported 5. PENTAGON FEDERAL CR UN Account Number : XXXX Please remove it from my credit report. XXXX. Unauthorized Credit Inquiry PENTAGON FEDERAL CR UN Account Number : XXXX Please remove this inaccurate information from my credit report. Please remove it from my credit report. During the times in which your firm reports this accounts as either being opened or filed, I was incarcerated and not able to have established these accounts. I am attaching a letter of incarceration to substantiate my claim. Please remove these items immediately from my file. Sincerely, XXXX XXXX XXXX, XXXX. Last 4 of social : XXXX Enclosures : As Stated

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

PENTAGON FEDERAL CREDIT UNION

AL

362XX

Servicemember

Consent provided

Web

2022-07-19

Closed with explanation

Yes

2022-10-25

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted a letter to the 3 Credit Bureaus to update these erroneous accounts. I think you have not validated these accounts 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

IN

469XX

Consent provided

Web

2022-10-25

Closed with explanation

Yes

2022-06-03

Credit card or prepaid card

General-purpose credit card or charge card

Closing your account

Can't close your account

I opened an XXXX XXXX interest free credit card with Barclays bank back in XXXX ( XXXX XXXX XXXX ). I had planned to pay out that account and not be charged any interest, however on XX/XX/XXXX I was charged the full {$1000.00} interest charge without being contacted by this institution. This took the balance from Previous Balance as of XX/XX/XXXX {$1600.00} Interest Charged + {$1000.00} Statement Balance as of XX/XX/XXXX = {$2600.00} I contacted the company and was unable to reverse the charge even though I was prepared to pay the card in full at that time. On XX/XX/XXXX I transferred the balance to a new XXXX XXXX XXXX account and called the company to close out the account. I just logged back in out of curiosity and the account is still active! I contacted the bank ( I will attach the correspondence ) and was told I'd need to contact their RETENTION team. I have no wish to retain services with this bank and feel that not only is this charge predatory, but also this retention is more than unreasonable.

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

BARCLAYS BANK DELAWARE

CA

90403

Consent provided

Web

2022-06-03

Closed with explanation

Yes

2023-07-06

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these inquiries ( A ). It is not permissible to fail to validate these reporting inquiries as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

33174

Consent provided

Web

2023-07-06

Closed with explanation

Yes

2015-09-11

Student loan

Non-federal student loan

Dealing with my lender or servicer

Trouble with how payments are handled

Greatlakes is representing their lender in managing my private loan and they constantly harassing me and the cosigner. I 've submitted letters asking for a lower payment because I can not afford to pay back over {$700.00} per month. They refused to work with me and issued blanketed statements such as private loans are not eligible for income-based repayment. I did not ask or apply for such a thing and this is utter nonsense as other institutions have options to lower payments for private loans. I presented the situation that I 'm unable to make payments in full and would need it lowered. I do not plan on defaulting the loan that 's why I asked for help. They refused to go back to the lender and work with them to find a solution. They would call and harass me daily without providing a solution. I ask that CFPB step in to find me a solution. They 're damaging my credit by keep reporting late payments without providing a satisfactory resolution. This is modern day discrimination and we need to escalate to the highest level.

Company believes it acted appropriately as authorized by contract or law

GREAT LAKES

AZ

XXXXX

Consent provided

Web

2015-09-18

Closed with explanation

Yes

No

2023-06-16

Debt collection

I do not know

False statements or representation

Attempted to collect wrong amount

XXXX sent my account to a attorney. The amount was {$800.00} now its {$2200.00}. Which i'm not paying all these extra fees. This is how XXXX treats customers. I already told them I was facing financial trouble and why i had to disconnect my phone number but they don't care.

McCarthy, Burgess & Wolff, Inc.

AL

36869

Consent provided

Web

2023-06-16

Closed with explanation

Yes

2022-11-11

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

Credit reporting

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

Their investigation did not fix an error on your report

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

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

PA

19138

Consent provided

Web

2022-11-11

Closed with non-monetary relief

Yes

2020-05-05

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

I have called the multiple times to try and pay ( forgot the day but on 2 separate occasion ). Instead of talking to me when i gave them their account number they asked for information such as my social security which i have not given them nor have given them any right to that information. XXXX XXXX XXXX shared my social security with this company and now they are claiming that there was fraud on my account and want me to put in writing to them all of this information which i have refused to do.

Kriya Capital, LLC

CA

95677

Consent provided

Web

2020-05-07

Closed with non-monetary relief

Yes

2023-09-21

Credit reporting 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. 15 U.S.C 1681 section 602 A. States I have the right to p rivacy. 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.

NM

88220

Consent provided

Web

2023-09-21

Closed with non-monetary relief

Yes

2021-09-18

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

Credit reporting

Incorrect information on your report

Account information incorrect

I have been disputing 3 accounts with XXXX for 4 months now and have not made any progress. These accounts are continuously reporting charge off EVERY SINGLE MONTH even though they are closed and charge off. This is effecting my last date of activity on my credit report there for it is never going to get removed if they keep this up. I have tried calling then several times and have sent several letters but I have not made any progress at all and it is really effecting my credit report and upcoming goals that I have and this is not fair! One account has even been reporting Charge off since May of last year. How is that even possible.

EQUIFAX, INC.

AL

36117

Consent provided

Web

2021-09-18

Closed with explanation

Yes

2022-10-17

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 ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my disputed of accounts in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Reinvestigate these reported accounts and repaired it in my personal file : XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$11000.00}

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

Experian Information Solutions Inc.

MD

20774

Consent provided

Web

2022-10-17

Closed with explanation

Yes

2019-08-28

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

Credit reporting

Incorrect information on your report

Account status incorrect

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX DOB XXXX ATTN : Consumer Relations Department XXXX XXXX Trans Union Under section 611 ( b ) of the Fair Credit Reporting Act, I am requesting that the following consumer statement be inserted in my credit report exactly as I have written it : I dispute the fairness of the late payments being reported on the XXXX XXXX XXXX XXXX account. These late payments are the fault of XXXX XXXX XXXX XXXX that habitually mails my monthly statement to me after the date payment is due if it bothers to mail me a statement at all. Because I do not receive my billing statement in time and sometimes not at all, I have had no choice but to make payment after the due date. For this reason, there are late pays associated with this account, and that is no fault of mine. Please send me an updated copy of my credit report once the above statement has been added to my credit report. Thank you very much.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

90027

Consent provided

Web

2019-08-28

Closed with explanation

Yes

2022-12-06

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

Credit reporting

Improper use of your report

Reporting company used your report improperly

In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Commercial Acceptance Company

NJ

07621

Consent provided

Web

2022-12-06

Closed with explanation

Yes

2020-06-25

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 XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX XXXX XXXXUnder Dispute XXXX COUnder Dispute U.S. DEPARTMENT OF XXXXUnder Dispute all ftc

EQUIFAX, INC.

LA

70809

Consent provided

Web

2020-06-25

Closed with explanation

Yes

2020-12-04

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

XXXXXXXX XXXX,2019 ; XXXX XXXX,2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; XXXX XXXX2019 ; Tried resolving directly with companies. I have previously had identity theft before

North American Asset Services, LLC

CT

06360

Consent provided

Web

2020-12-04

Untimely response

No

2021-09-05

Checking or savings account

Other banking product or service

Managing an account

Deposits and withdrawals

My name is XXXX XXXX and I am a square user. I recently started Processing payment with square and I have over {$14000.00} in my square account from customers. But my issue is that when I click on " Balance '', it shows that I have {$0.00} and it says that my account is under review. The issue is that this review is still there and is taking a long time and I'm worried that square has stolen my funds. I making this complaint because I want square to tell me exactly when they will allow me to withdraw my funds The email address associated with my square account is XXXX XXXX

Square Inc

TX

77536

Consent provided

Web

2021-09-05

Closed with explanation

Yes

2021-12-09

Debt collection

Auto debt

Took or threatened to take negative or legal action

Seized or attempted to seize your property

After several months of asking Santander for proof of claim in accordance with 12 CFR 1026.13 billing error, and 16 CFR 433 Santander refused to provide documentary evidence, full disclosure public and private nor validation of a debt owed to the company. Ive made several attempts to make notice of a deceptive and fraudulent contract and now as Santander is aware that I am aware of their fraudulent activity, they now are attempting to seize property federal law states the United States is responsible for, that I use for personal, family and household fully aware they have no certificate of indebtedness. Ive made Santander aware that I never received chattel paper, rights of rescission disclosures under electronic transfer act nor the second copy in hand nor any material disclosures I inquired about. I never received a contract in the mail between the 30 days given for their registered agent to sign to said contract making it binding. Pursuant to my rights under 16 CFR 433.1, 433.2, 433.3 which Santander is in violation of, the company is also providing deceptive forms and misrepresentation 1692. My rights to rescind were still in effect because of the failure to disclose. A one sided contract is deceptive. Santander committed bad faith and fraud, Santander forfeited their rights to collect any promise to pay/federal reserve notes by not complying with XXXX CFR XXXX, and illegally collecting FRNs on abandonment of property, illegally attempt to seize over billing error and not acknowledging i gave consideration with my trust account number and signature which created a negotiable instrument illegally securitize. fraudulently forging my signature repeatedly which under federal law is aggravated identity theft, Santander also sold my security without my acknowledgment nor written consent under UCC 1-202. Under UCC 3-603 will you be bringing fraud upon the court with this invalid claim? An Affidavit of lost note no longer applies and under UCC 1-3 there is no lien on property. Notice, any holder of this consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services obtained pursuant hereto or with the proceeds hereof. Recovery hereunder by the debtor shall not exceed amounts paid by the debtor hereunder and XXXX XXXX included in the contract. How can you repossess what does not belong to you, 18 USC 8 Obligations of the United States, paid for with a signature. A fraudulently collected down payment with a consumer credit transaction, and you sold my negotiable instruments while committing contract law fraud, UCC, FEDERAL LAW, and IRS fraud. Furthermore a securitized debt is considered a modification which is no longer a debt UCC 1-306d. Unconscionable documents. I am the consumer, a natural person asserting my rights of XXXX XXXX XXXX XXXX XXXX XXXXt 1, PUBLIC LAW 10 chapter 48 STAT 11XXXX, PUBLIC LAW XXXX XXXX STAT XXXX, TRADING WITH THE XXXX XXXX XX/XX/1917, and XXXX XXXX PUBLIC LAW XXXX.

Santander Consumer USA Holdings Inc.

MD

20602

Consent provided

Web

2021-12-09

Closed with explanation

Yes

2023-03-21

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

I received a letter today ( XX/XX/XXXX ) claiming that I owe {$88.00} for a {$1.00} toll that I allegedly did not pay two years ago ( on XX/XX/XXXX ) in Delaware. First off, the license plate number on the letter is not mine. Second, I don't live in Delaware nor do I travel to Delaware and I have photos on my phone from the date they are claiming I have this unpaid toll which proves that I was not in Delaware, I was Washington , DC, which is where I live. Third, I tried calling the number on the letter to this Law Office and no one picks up, I was on an automated hold 20 minutes and finally hung up. Fourth, I looked up this company ( Linebarger Goggan Blain & Sampson, LLP ) and the first thing that pops up are the XXXX reviews, all one star reviews, and people have similar accounts to my own and asking how this company is still allowed to be in business.

Linebarger Goggan Blair & Sampson LLP

DC

20018

Consent provided

Web

2023-03-21

Closed with explanation

Yes

2023-06-18

Debt collection

Other debt

Written notification about debt

Didn't receive enough information to verify debt

Caine and Weiner failed to originally notify me of this debt, despite their claims that they mailed notification to my address. After requesting validation the company failed to provide proper validation of the debt. Per my original request, please supply the following information : Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay, including my original wet signature? This was never supplied. In my original CFPB complaint, Caine and Weiner responded on XX/XX/23 that The account has been closed as 'Disputed ' in our office. We will send a request to the credit reporting agencies to have this account removed from the consumer 's credit report. However, on on XX/XX/23 my credit report was updated by Caine and Weiner to show a balance and the account does not show closed. This has caused seriously harm to my credit and my financial goals. This is unacceptable, fraudulent activity.

CAINE & WEINER COMPANY, INC.

OH

45013

Consent provided

Web

2023-06-18

Closed with explanation

Yes

2022-12-06

Debt collection

Medical debt

False statements or representation

Attempted to collect wrong amount

I received my letter XX/XX/2022 from my visit on XX/XX/2022 saying I owe {$330.00}. I have paid off this visit already and just now receiving more bills from that time. I should not owe anymore as I've paid everything off already. It's been almost a year and now trying to force more money out of me. I do not agree with the bills have already paid for this visit and still paid them. But this is out of hand how expensive the visit was when no procedures were done I was not even seen more that 3 minutes. Please dispute this charge for me. I dont understand how you can charge me now a year later.

Company believes it acted appropriately as authorized by contract or law

ARC Management Group, LLC

GA

30241

Consent provided

Web

2022-12-06

Closed with explanation

Yes

2023-03-28

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

Other personal consumer report

Incorrect information on your report

Information belongs to someone else

Someone claiming to be me my identity was fraudulently used to open a Macy Store credit card, this was not me! XX/XX/2022 someone hacked into my banking account @ XXXX institution and my credit cards on file with XXXX XXXX XXXX Fraud Dept. Contacted me they stopped payment for airline tickets and cash withdrawn from a casino XXXX XXXX in XXXX XXXX, NV. I reopened a new banking account and transfered my funds to new account! 3 credit card closures on both my XXXX XXXX XXXX XXXX XXXX credit card! I never open up Store Credit Cards ever!

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

CITIBANK, N.A.

TX

76048

Consent provided

Web

2023-03-28

Closed with non-monetary relief

Yes

2023-05-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$600.00} Credit Limit : {$0.00} {$600.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NY

11553

Consent provided

Web

2023-05-26

Closed with non-monetary relief

Yes

2016-08-31

Debt collection

Medical

False statements or representation

Attempted to collect wrong amount

I received a notice from CMRE Financial Services regarding a medical account on XXXX XXXX XXXX. The notice claims that XXXX XXXX attempted to collect an unpaid balance and has since forwarded the account for collections. This is absolutely false. I made payments arrangements with Phx Childrens and have made monthly payments as I agreed to. The collection agency now is demanding payment in full with interest plus additional charges. This is absolutely unacceptable. I have done what I agreed to with Phx Childrens and this account should NEVER have been to collections. PLUS, the amount stated owed is not accurate. I do not owe that amount. That claim is also false!

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

CMRE Financial Services, Inc.

AZ

85340

Consent provided

Web

2016-08-31

Closed with explanation

Yes

Yes

2023-08-04

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

Credit reporting

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

Their investigation did not fix an error on your report

I filed a dispute for incorrect information on my credit report.I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd paty.They in fact did not come from a 3rd party.l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out.I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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

Experian Information Solutions Inc.

NY

11212

Consent provided

Web

2023-08-04

Closed with explanation

Yes

2023-07-26

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I did not initiate these Accounts and I believe they are fraudulent.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

TX

77489

Consent provided

Web

2023-07-26

Closed with non-monetary relief

Yes

2022-08-11

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

Credit reporting

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

Their investigation did not fix an error on your report

The following companies have violated my rights and have furnished my credit score without my consent, they have outdated information and it's affecting my personal and financial livelihood. I'm on the verge of filing a lawsuit for defamation of character. XXXX XXXX, XXXX XXXXXXXX, MERCANTILE ADJUSTMENT BUREAU, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

MERCANTILE ADJUSTMENT BUREAU, LLC

TX

77054

Consent provided

Web

2022-09-09

Closed with explanation

Yes

2022-11-01

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

I sent a letter on 10/15/22 to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance XXXX {$2300.00} ; XXXX DEPARTMENT OF EDUCATION XXXX .... Balance XXXX {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XX/XX/XXXX

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

Experian Information Solutions Inc.

CA

93230

Consent provided

Web

2022-11-01

Closed with explanation

Yes

2022-02-15

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

Credit reporting

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

Their investigation did not fix an error on your report

A notice was sent several times to XXXX, Experian, XXXX. I humbly requested XXXX, Experian, XXXX to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, Experian, XXXX to act as an agent and correct misleading information. This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. I understand XXXX, Experian, XXXX are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, Experian, XXXX are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, Experian, XXXX must comply with my written instructions. I have given XXXX, Experian, XXXX written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. XXXX, Experian, XXXX has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! - XXXX XXXX / XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX

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

Experian Information Solutions Inc.

GA

30228

Servicemember

Consent provided

Web

2022-02-15

Closed with non-monetary relief

Yes

2020-10-20

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

XXXX IS REPORTING 16 INCORRECT INQUIRIES ( XXXX SCREEN SHOT 1 ) AND EQUIFAX IS REPORTING 9 INCORRECT INQUIRIES ( XXXX SS 2 ). NEITHER COMPANY IS POSTING CONTACT INFORMATION REGARDING THE MISINFORMING AGENCIES AND I AM SUFFERING DAMAGE BECAUSE OF THIS MISINFORMATION.

EQUIFAX, INC.

IL

60620

Consent provided

Web

2020-10-21

Closed with explanation

Yes

2022-12-24

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

Credit reporting

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

Their investigation did not fix an error on your report

I submitted proof that debt was paid, but information has not been corrected on credit report or company. XXXX

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

Experian Information Solutions Inc.

MS

39046

Servicemember

Consent provided

Web

2022-12-24

Closed with explanation

Yes

2021-07-24

Debt collection

Credit card debt

False statements or representation

Attempted to collect wrong amount

On XX/XX/XXXX I received a response from Zwicker and Associates through this CFPB and contacted the number on the response. I made my first payment of {$50.00} on the {$2100.00}. on XX/XX/XXXX. Today, XX/XX/XXXX I got paperwork in the mail which I can not attach a copy of that changes the amount both Zwicker and I agreed to to {$4600.00} plus interest plus filing fee of {$210.00}, service fee of {$62.00}, plus XXXX filing fee of {$39.00}, and am feeling threatened that if I don't agree and sign that if I don't sign I free them to take whatever action they deem necessary to collect more than what Zwicker and I agreed to after I filed my complaint. IF the initial lawyer had worked with me court would not have been necessary. When I spoke with someone I was told that XXXX agreed to the {$2100.00} amount so the lawyers in XXXX PA are not representing their client correctly Paperwork attached below. This is causing me unnecessary mental and emotional distress especially since I tried to resolve this account XX/XX/XXXX but was unable to. I was left with a very strong impression that XXXX would not allow them to work with me - I told them I could not afford {$290.00} a month then. I feel I am being harassed.

ZWICKER & ASSOCIATES

PA

182XX

Older American

Consent provided

Web

2021-07-24

Closed with explanation

Yes

2022-07-06

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. U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX 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.

NY

XXXXX

Consent provided

Web

2022-07-06

Closed with explanation

Yes

2021-11-30

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

Credit reporting

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

Investigation took more than 30 days

Dear Sir or Madam, XXXX. XXXX XXXX Account Number:XXXX**** Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me XXXX days late on this account in XX/XX/XXXX. I immediately disputed this information with XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EQUIFAX, INC.

TX

760XX

Consent provided

Web

2021-11-30

Closed with explanation

Yes

2019-04-13

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

Credit reporting

Incorrect information on your report

Account status incorrect

Since XXXX of 2018, my credit score has been wrongfully dropping every single month due to the wrong information on my XXXX loan. XXXX has been filing a delinquent account when I have been paying on time every single month. I have called them numerous times to fix the issue, and they said that there is no reason why my credit score shows that it is delinquent when it is not. I have disputed these incorrect claims every single month, as it is resolved after my dispute, but then incorrectly claimed as delinquent again after a couple of weeks. I have been given the runaround and feel that enough is enough. My wife and I are in the process of purchasing a house, and these incorrect claims have been hindering our chances of attaining a loan, which has become extremely frustrating and unfair. As a military member in the United States XXXX XXXX, this also becomes a huge ordeal because of the effects it has on my credit score that could ultimately jeopardize my security clearance. Please assist me in these incorrect and wrongful claims so that my wife and I could finally give our daughter the house we worked so hard to finally purchase. Thank you so much for your assistance, time and consideration.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

CA

94534

Servicemember

Consent provided

Web

2019-04-13

Closed with explanation

Yes

2020-11-14

Debt collection

Other debt

Attempts to collect debt not owed

Debt is not yours

On XX/XX/XXXX, I received a call claiming I owed {$200.00} for a gym membership debt with XXXX XXXX in XXXX IL with an account number of XXXX. I live in XXXX Washington and have never had a gym membership with XXXX XXXX or ever been to XXXX, IL. On XX/XX/XXXX, I received a letter/bill demanding payment from First Credit Services in XXXX, IL. I called their number to let them know that I've never had this account. Their representative claimed the account was opened in XX/XX/XXXX. I XXXX XXXX XXXX XXXX Illinois during the call, and that search revealed that the company went out of business in XX/XX/XXXX, more than 2 years before my supposed contract date. I believe I am a victim of either identity theft or the target of a scam by the collection agency.

First Credit Services Inc.

WA

98683

Servicemember

Consent provided

Web

2020-11-14

Closed with explanation

Yes

2023-04-08

Checking or savings account

Checking account

Problem with a lender or other company charging your account

Transaction was not authorized

I called to dispute a transaction that occuree on XXXXXXXX for XXXX they said they dont see it but also cant tell me where all my money went in my back account i tried to call 10 times and they always blow me off telling me no sup is available and to email them instead. I want my money back for something i did not authorize. I asked for a sup multiple times and they tell me no sups are available to call back on XXXX but they still have my money and cant tell me where it went. I want my money back yesterday

Company believes it acted appropriately as authorized by contract or law

Kikoff Inc.

TX

77450

Servicemember

Consent provided

Web

2023-04-08

Closed with explanation

Yes

2021-08-10

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

Credit reporting

Improper use of your report

Credit inquiries on your report that you don't recognize

I looked over my report and saw inquiries on my credit report that I did not give consent to be on my report. XXXX is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX doesn't have a court order with jurisdiction or consent from the CONSUMER to place anything on my Credit report. I sent a dispute letter certified mail next day and XXXX still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

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

BANK OF AMERICA, NATIONAL ASSOCIATION

PA

19144

Consent provided

Web

2021-08-25

Closed with explanation

Yes

2023-04-10

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

Credit reporting

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

Their investigation did not fix an error on your report

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXXXXXX Balance : {$2300.00}

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

MD

XXXXX

Consent provided

Web

2023-04-10

Closed with non-monetary relief

Yes

2020-10-08

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

Credit reporting

Incorrect information on your report

Information belongs to someone else

Every one of these accounts and transactions Im disputing were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. After getting out of the XXXX from a XXXX XXXX scare then seeing all these fraudulent accounts on my credit has increased my XXXX level tremendously.

EQUIFAX, INC.

FL

32303

Consent provided

Web

2020-10-08

Closed with explanation

Yes

2020-01-27

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

I received a letter from National Credit Adjusters ( attached ) on XX/XX/2020 ( despite it saying it was sent on XXXX ). I contacted the collection agency on the same day. The letter clearly advises payment must be made by XX/XX/2020. This is a classic example of " overshaddowing '' as the agency is attempting to force me to make payment within the validation period or lose out on the opportunity to save money by settling. Further, I do not owe this debt, I do not know what this is for and dispute it in its entirety. I have forwarded a copy of the letter to my attorney.

National Credit Adjusters, LLC

KS

67217

Consent provided

Web

2020-01-27

Closed with explanation

Yes

2023-06-12

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

Credit reporting

Incorrect information on your report

Account status incorrect

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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

TRANSUNION INTERMEDIATE HOLDINGS, INC.

NC

28304

Consent provided

Web

2023-06-12

Closed with non-monetary relief

Yes

2022-02-10

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

Credit reporting

Incorrect information on your report

Account information incorrect

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed in all respective CRA 's my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft XXXX XXXX Late Payments from XXXX, XXXX XXXX, XXXX XXXX

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

Experian Information Solutions Inc.

TX

77380

Consent provided

Web

2022-02-10

Closed with non-monetary relief

Yes

2023-04-10

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

Credit reporting

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

Their investigation did not fix an error on your report

This is in reference to complaint XXXX. Experian responded and stated that the account was verified. I have not been able to get in contact with the company so please provide with whom you spoke with and their contact information. Also, please provide the sufficient documentation regarding account XXXX XXXX ( XXXX XXXX XXXX ). If you can not provide this information then remove this account from my credit report immediately. Please see the attached credit report showing that this account is paid.

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

Experian Information Solutions Inc.

TX

75253

Consent provided

Web

2023-04-10

Closed with explanation

Yes

2017-04-25

Checking or savings account

Checking account

Managing an account

Problem accessing account

This complaint is related to a previously filed complaint against U SAA. They have reported to the CFPB that they have worked with me to resolve the issue, yet they have not acted in good faith to resolve my issue. I am looking for copies of all my bank statements to have for my records. USAA bank has terminated my online account access so I am unable to view those records. When I reach out to the bank, they inform me that since I can not access them online, they will need to charge me {$10.00} per statement copy for them to provide the copies I need. Since I have been a customer since XXXX and during that time I 've had multiple accounts, the cost to do this would be astronomical. My calculations are that for them to get me all the records I need, it will cost well over {$7500.00} in fee 's. Yet, they are n't budging. I gave them XXXX options. 1 ) To provide me temporary account access so I can log in and download all the statements that I need, or 2 ) Mail me a thumb drive or CD with all the account information I am asking for, or 3 ) Mail me paper copies of all statements that are on my profile. These are my financial records and I am entitled to them. They provide these records free of charge to their other customers by online delivery. I would happily download these records if they would allow me to. This problem is now causing XXXX other issues that have the potential to cost me a lot of money. I am in the middle of a XXXX tax year audit an d USAA ha s records pertinent to proving deductions with the IRS. Second, I am in a dispute with the child support registry in Washington state. There are XXXX payments over the course of the past 14 years that have not been correctly applied to the account. I need these records to reconcile my records with theirs. To prove my point, on XXXX XXXX XXXX USAA shows a payment in the amount of {$100.00} coming from my account, yet only XXXX was credited on the support registry side. These records will assist me in resolving the Washington state matter which is now damaging my credit. I spoke with USAA in late XXXX and early XXXX and I was assured they would assist me with getting me copies of the bank statements. Instead, they sent over XXXX pages of statements for only XXXX account - and that only went back to XXXX XXXX - a full 7 years less than what I was promised on the phone.

Company believes it acted appropriately as authorized by contract or law

UNITED SERVICES AUTOMOBILE ASSOCIATION

WA

982XX

Servicemember

Consent provided

Web

2017-04-25

Closed with non-monetary relief

Yes

2017-06-01

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

Credit reporting

Unable to get your credit report or credit score

Other problem getting your report or credit score

I am a Victim of ID Theft and I am very concerned with XXXX and knowing that I filled a police report about all of the inquiries that XXXX allowed on my credit file, over 100 inquiries that interfered with my credit file and companies requesting my information. I sent a police report before to XXXX and my score is the lowest with this company. It is around XXXX and I want to know why, I am asking for my credit file to be updated and investigated and my credit file adjusted.

EQUIFAX, INC.

FL

33060

Consent provided

Web

2017-06-01

Closed with explanation

Yes

2023-01-07

Debt collection

I do not know

Attempts to collect debt not owed

Debt is not yours

This debt is not mine and I am disputing it in its entirety. I am requesting debt validation. The letter I received doesnt include a date that shows when it was written or sent to me. According to 12 CFR Part 1006.34 ( c ) ( 2 ) ( vi ), they were supposed to provide me with the itemization date / transaction date and they did not. The letter does not specify what the alleged debt is for, how it was calculated, or shows any proof that debt is in fact mine. ( See attachment ). Once again, I am requesting proper debt validation along with the name and address of the original creditor. A letter has been sent to this company via certified mail and has been received.

Ascension Recovery Management

CA

91710

Consent provided

Web

2023-01-07

Closed with explanation

Yes