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2022-10-01 | 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 XXXXXXXX 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 acount without my written instructions.
15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any reason. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94509 | null | Consent provided | Web | 2022-10-01 | Closed with non-monetary relief | Yes | null | 6,038,558 |
2017-12-18 | Debt collection | Credit card debt | Written notification about debt | Didn't receive enough information to verify debt | I requested validation of debt from this company for two accounts listed on my credit report. In their documentation, they 've failed to establish standing for both accounts by failing to provide a copy of a signed agreement between myself and the original creditor, and also failed to establish complete account history. I disputed the accounts via the credit bureaus and received a status of " resolved, consumer disagrees '' at which point my credit file was also updated with monthly reportings. | null | PORTFOLIO RECOVERY ASSOCIATES INC | PA | 17042 | Servicemember | Consent provided | Web | 2017-12-18 | Closed with explanation | Yes | null | 2,758,665 |
2023-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
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.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79705 | null | Consent provided | Web | 2023-06-20 | Closed with non-monetary relief | Yes | null | 7,135,496 |
2023-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX keeps reporting negetive reports on my consumer report with out my consent which is identity theft as well as infringement of my rights pursuant 15 us code 1681 b permissible purpose by written consent and the debt collector that is coming after me for the debt which is illegal pursuant 15 us code 1692 c ( b ) third party should not have info on my consumer report its illegal XXXX XXXX XXXX is third party XXXX XXXX is creditor for them to discuss my report is illegal for XXXX XXXX XXXX to report this is fraud and infringement of my rights | null | TD BANK US HOLDING COMPANY | CA | 92879 | null | Consent provided | Web | 2023-07-20 | Closed with non-monetary relief | Yes | null | 7,279,075 |
2018-09-10 | Mortgage | Conventional home mortgage | Credit monitoring or identity theft protection services | Billing dispute for services | Since XX/XX/XXXX I have been attempting to make my account current and applying the funds under the correct category. There have been many letters sent, complaints made, and complaints uploaded to your site, CFPB. There has been no resolution as of today, XX/XX/XXXX and yesterday I received a inaccurate and offensive letter from XXXX XXXX. Today I have typed up a letter to send to him in regards to this letter, but I also decided to provide you all the information again pertaining to my issues with them over the past year as well as sharing his letter and my response. Over the past few months I have been paying off my debts and clearing up some outstanding financial issues. I have been extremely successful except for my mortgage, who had been unwilling to help. You will see in one of my attachments I am current on 4 out of 5 accounts. That to me shows a big red flag on this company and their reporting of my payments. I have sent many complaints to you and I see others have made complaints to you in reference to this company. I am not sure how you eventually get to a place where this company is investigated but I would highly suggest you begin an investigation before others suffer at there hands. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | LAKEVIEW LOAN SERVICING, LLC | AL | XXXXX | null | Consent provided | Web | 2018-09-10 | Closed with explanation | Yes | null | 3,015,160 |
2021-12-06 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. USAA SAVINGS BANK XXXX XXXX. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. XXXX.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX | null | UNITED SERVICES AUTOMOBILE ASSOCIATION | CA | 90037 | null | Consent provided | Web | 2021-12-06 | Closed with explanation | Yes | null | 4,980,732 |
2022-12-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have loan with NATIONSTAR MORTGAGE. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XXXX. I have read enough to understand my rights. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP.
NATIONSTAR MORTGAGE XXXX Date Opened : XX/XX/2007 Balance : {$0.00} | null | Mr. Cooper Group Inc. | CA | 92336 | null | Consent provided | Web | 2023-01-19 | Closed with explanation | Yes | null | 6,365,126 |
2022-11-07 | Checking or savings account | Checking account | Managing an account | Banking errors | On XX/XX/XXXX my cell phone was stolen. I was using Revolut as my banking servicer. There were charges that were made on the device before it was wiped after reporting it stolen. I attempted to dispute these transactions as fraud to Revolut. The " security team '' at revolut confirmed access to my accounts from another device and stated it was compromised. However before the security team even finished securing my accounts the " chargeback team '' had already claimed to resolve the dispute stating no fraud activity. Completely against the information that was provided to me by the security team. I requested that the case be properly investigated and Revolut informed me multiple times that the chargback was rejected by them and they would not investigate. After multiple times attempting to get them to review the information and screen shots of the conversations with their own security team. They still refused and stated they will not do anything one a resolution was made final. The timing of the quick response and rejection of the dispute as well as the results of the dispute being provided WHILE my account was locked down by the security team who had me reset my passwords and made sure to secure my account, shows that Revolut ignored the regulations to fully investigate the reported dispute in good faith. They refused to re open the dispute and use the information provided to them by their own security team, and based on the evidence provided a result knowingly and willfully when such a conclusion could not have reasonably have been drawn. I spoke with another representative regarding a request to receive all of the dispute documentation including the investigation notes from the security team showing unauthorized activity on my account. The representative informed me that they only provide the results to the dispute and that when a dispute is final there is no way for them to make any changes. I also requested clarification as to why the dispute team did not use the information about my account compromise. I was not provided any avenue to get clarification. This again is against the banking regulations requiring documentation at my request. | null | Revolut Technologies Inc. | TX | 750XX | Servicemember | Consent provided | Web | 2022-11-28 | Closed with explanation | Yes | null | 6,177,129 |
2021-05-10 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with additional products or services purchased with the loan | I was recently in an accident with possibly totaled Car on XX/XX/XXXX.
I called XXXX to report the claim but they told me that I didnt have collision insurance.
XXXX states letters were sent out 3 months after the purchase of my vehicle to me for consent to rate, which I never received. And that in XX/XX/XXXX they reported to Ally I no longer had full coverage on the Vehicle.
It is required to have full coverage on the vehicle in order for me keep the loan and continue making payments.
Ally should have either notified me of my lack of coverage as it is a breach of contract- and asked me to correct or force place coverage on me.
They admit to having received notification of the lack of coverage in XXXX, but continued to let me make payments.
We are at the point now where I have a near totaled vehicle that is potentially not covered. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | NC | 27606 | null | Consent provided | Web | 2021-05-10 | Closed with explanation | Yes | null | 4,365,608 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report. | null | EQUIFAX, INC. | NC | 28269 | null | Consent provided | Web | 2023-04-13 | Closed with explanation | Yes | null | 6,836,577 |
2022-02-18 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was paid | I sent a debt validation letter certified mail so I can validate the debt they never responded so now Im filing a cfpb complaint! this debt collection agency is stopping me from exercising my rights as a consumer and in the letter I asked for them to send me the documents I asked for or pay all scheduled fees and to remove the alleged debt from from my consumer report. Statements and contracts ARE NOT A VALIDATION!! | null | Santander Consumer USA Holdings Inc. | IL | 60622 | null | Consent provided | Web | 2022-02-18 | Closed with explanation | Yes | null | 5,238,849 |
2019-04-11 | 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 | Upon review of my Experian and XXXX credit reports in XX/XX/2019, I noticed a collection account reporting from XXXX XXXX XXXX ( Account # XXXX ). I contacted the collection agency via mail in XX/XX/2019 sending them a debt validation letter. I do not have a contract with this company therefore I asked for them to show me documentation that proves that I am the party who owes this debt to them. The company responded with a generic collection letter with their company letterhead and I balance owed of {$600.00}. I never received validation of this account nor a signed contract or documentation that this account belongs to me. Since XX/XX/2019 I have sent several additional mail correspondences even offering to settle this unverified account, not acknowledging it as mine, but to have it removed from my credit report as is is affecting my credit worthiness. None of my correspondences after the companys failure to validate debt have been replaced to. I also sent disputed letters to all associated credit bureaus who have also failed to validate debt but continue to insist the debt is verified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48205 | null | Consent provided | Web | 2019-04-11 | Closed with non-monetary relief | Yes | null | 3,208,781 |
2021-07-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. | null | AMERICAN HONDA FINANCE CORP | NY | 122XX | null | Consent provided | Web | 2021-07-27 | Closed with explanation | Yes | null | 4,543,746 |
2021-08-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Re : This is not a regular dispute. Take action immediately you are in violation.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Law Firm XXXX, XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FT
C | null | EQUIFAX, INC. | LA | 71303 | null | Consent provided | Web | 2021-08-18 | Closed with explanation | Yes | null | 4,638,963 |
2020-05-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I recently looked at my credit report and noticed some things that I believe to be wrong.
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my investigation. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 757XX | null | Consent provided | Web | 2020-05-22 | Closed with explanation | Yes | null | 3,664,499 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6400.00} ; XXXX XX/XX/2023. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30038 | null | Consent provided | Web | 2023-04-19 | Closed with non-monetary relief | Yes | null | 6,855,167 |
2017-11-08 | Checking or savings account | Other banking product or service | Managing an account | Problem making or receiving payments | I use an app formerly known as XXXX XXXX and as of XXXX/XXXX/XXXX they have changed their name to XXXX. They are great but need my bank to send information in order for me to be able to recieve my XXXX XXXX XXXX but because chase is taking more than the few hours they were suposse to have done it by my money isnt there and i was depending on having that money. | null | JPMORGAN CHASE & CO. | CA | 912XX | null | Consent provided | Web | 2017-11-08 | Closed with explanation | Yes | null | 2,724,166 |
2020-06-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I HAVE FILED MULTIPLE DISPUTES WITH XXXX THEY HAVE YET TO FUIX THE FRAUD ERRORS ON MY REPORT I HAVE SENT XXXX MY FTC REPORTS I HAVE FILED POLICE REPORTS THEY HAVE YET TO RESOLVE THE MATTER THEY CONTINUE TO REPORT THE STATES EMPLOYEES CREDIT UNION ACCOUNT, THE XXXX FINANCIAL ACCOUNTS AND XXXX XXXX ACCOUNT ON MY REPORT I HAVE SENT THEM EVERYTHING I HAVE BEEN THROUGH THE DISPUTE PROCESS OVER 20 TIMES THEY CONTINUE TO REPORT THIS INACCURATE INFORMATION. THEY ARE REPORTING THE ADDESS XXXX XXXX XXXX XXXX NC XXXX ON MY REPORT HAVE INFORMED THEM THIS IS ASSOCIATED WITH FRAUD AN THEY CONTUNE TO REPORT IT. I AM ASKING YOU TO INVESIGATE THIS AN HAVE THIS COMPANY REMOVE THESE ACCOUNTS FROM MY CREDIT REPORTS WITH THE CREDITOR LISTED AS NC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX | null | EQUIFAX, INC. | NC | 283XX | Servicemember | Consent provided | Web | 2020-06-29 | Closed with explanation | Yes | null | 3,720,356 |
2023-01-04 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | After checking my credit report I noticed an account reporting my medical information on XXXX, XXXX and XXXX with a opened date of XXXX XXXX in the amount of $ XXXX.I believe this company is violating my HIPPA rights because I did not sign a HIPPA release form or give them verbal consent to access my medical records. | null | Finance System of Richmond, Inc. | FL | 33801 | null | Consent provided | Web | 2023-01-04 | Closed with explanation | Yes | null | 6,389,535 |
2020-06-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Dear who may be concern, My name is " XXXX XXXX XXXX '' .I request investigation on those items I list below as they are inaccurate and not belong to me.
If inaccurate, they must be removed in order to show my true credit history, as these items should not be on my Credit Report. According to the Fair Credit Reporting Act, I expect you to complete this verification within 30 days.
**Name Reported** _XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
All of these name above are incorrect, The most accurate name would be report is only " XXXX XXXX XXXX ".
**Employment info** _XXXX XXXX XXXX XXXXXXXX XXXX XXXX These employment information is not mine, please delete it.
**Addresses Reported** XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX These address is not mine and incorrect. I have listed proofs of my current address in the attachment below.
**Credit cards** _XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX I never receipt any loans or credit from this company. Please delete it!!
_ XXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX This charge off account is not mine, Please delete it or provide me full documentation.
_XXXX XXXX Reported : XXXX. XXXX, XXXX This account state that I have lated payments on XX/XX/XXXX, XX/XX/XXXX. However, I never late and paid on time. Please update payment agree.
**Other Loans** _ XXXX Reported : XXXX. XXXX, XXXX I never used XXXX service. I have been using XXXX for years. I have attached my proofs payment with XXXX I don't own XXXX any money. Please delete!!!
**Account** XXXX Inquiry : XX/XX/XXXX This account isn't mine, delete it!!
**Account** XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX I never receipted any loans or credit from this company. Delete it!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 08902 | null | Consent provided | Web | 2020-06-23 | Closed with explanation | Yes | null | 3,713,013 |
2020-07-09 | Debt collection | Credit card debt | Written notification about debt | Didn't receive notice of right to dispute | This account is currently Closed in the Credit Bureau file, but was recently sold to Portfolio Recovery. Account was opened about 3 years. I Notified creditor on this account, they are a rip off, said I owe more than I should. | null | PORTFOLIO RECOVERY ASSOCIATES INC | GA | 31907 | null | Consent provided | Web | 2020-07-21 | Closed with explanation | Yes | null | 3,738,120 |
2023-08-31 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress. | null | EQUIFAX, INC. | MO | 630XX | null | Consent provided | Web | 2023-08-31 | In progress | Yes | null | 7,482,476 |
2018-11-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have submitted multiple disputes via Certified Mail since XX/XX/XXXX requesting XXXX ( as well as the other Credit Reporting Bureaus ) to verify incorrect late payments showing on four of my accounts. They have failed to provide me Verifiable Proof in which I have repeatedly asked for per Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ). They have also failed to provide me with the method of verification as required under FCRA Section 611 ( a ) ( 7 ). My accounts are in good standing and the inaccurate late payment reporting is negatively affecting my credit scores. I have four accounts that show inaccurate late payments and am demanding they be deleted immediately : XXXX 30 day late ( XX/XX/XXXX ) ( XX/XX/XXXX) XXXX XXXX XXXX 30 day late (XX/XX/XXXX) ( XX/XX/XXXX ) & 60 day late ( XX/XX/XXXX ) * my credit report is showing different months of late payments from all the Credit Bureaus XXXX XXXX XXXX_ 30 day late ( XX/XX/XXXX ) XXXX XXXX_ 30 day late ( XX/XX/XXXX ), 60 day late ( XX/XX/XXXX ), 30 day late ( XX/XX/XXXX), 60 day late ( XX/XX/XXXX ) Again this is inaccurate and incorrect reporting and I have yet to receive verifiable proof on the accounts listed. They have had more than enough time to do a proper investigation on the accounts yet they have refused to comply per FCRA rules and regulations. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 947XX | null | Consent provided | Web | 2018-11-01 | Closed with explanation | Yes | null | 3,063,279 |
2023-01-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items listed in my credit record that came about due to an alleged fraud or extortion.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$77.00} XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXXXX/XX/2022 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77489 | null | Consent provided | Web | 2023-01-21 | Closed with non-monetary relief | Yes | null | 6,463,121 |
2018-06-27 | Vehicle loan or lease | Loan | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I have a loan with FTB/XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and FTB/XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX / XX/XX/XXXX-XX/XX/XXXX. | null | FIRST HORIZON BANK | GA | 30331 | null | Consent provided | Web | 2018-06-29 | Closed with explanation | Yes | null | 2,947,630 |
2016-11-21 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt resulted from identity theft | After reviewing my credit report from all XXXX credit bureaus there is an item that is inaccurate i was a victom of identity theft back in XXXX. it claims i had got an apt or home under my name. which is not true nor have i ever heard of them. a balance of {$5500.00} has been reported from collector. i have attached all of my DL for where i have lived going all the way back to XXXX | Company believes it acted appropriately as authorized by contract or law | National Credit Systems,Inc. | TX | 77082 | null | Consent provided | Web | 2016-11-21 | Closed with explanation | Yes | No | 2,216,839 |
2023-08-16 | 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 XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | 272XX | null | Consent provided | Web | 2023-08-16 | Closed with explanation | Yes | null | 7,408,973 |
2019-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IN | 46580 | null | Consent provided | Web | 2019-06-02 | Closed with explanation | Yes | null | 3,261,773 |
2023-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX.
Account number : XXXX Account name : XXXX, XXXX.
Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
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.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30088 | null | Consent provided | Web | 2023-06-20 | Closed with non-monetary relief | Yes | null | 7,144,616 |
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 USC 1681.
Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX OF XXXX CARD Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX BANK Account XXXX Account Name : XXXX Account XXXX Account Name : US XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX CT MO KANSAS CITY REFERENCE # XXXX Account Name XXXX XXXX. XXXX XXXX CT TX XXXX REFERENCE # 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 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. | null | EQUIFAX, INC. | TX | 76227 | null | Consent provided | Web | 2023-07-11 | Closed with non-monetary relief | Yes | null | 7,233,720 |
2023-07-22 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt was result of identity theft | In XX/XX/2018 I had XXXX XXXX. After XXXX XXXX years, a company call Collection Associates LTD contacted me in writing that I owe {$3400.00}, XXXX XXXX XXXXXXXX XXXX. I requested phone numbers to XXXX XXXX XXXX and all phone numbers are not valid numbers. ( XXXX ), ( XXXX ). XXXX XXXX XXXX website states that they are permanent closed. Talk to Ohio Attorney General and they it sound like a scam. | null | Collection Associates, Ltd. | OH | 431XX | Older American | Consent provided | Web | 2023-07-22 | Closed with explanation | Yes | null | 7,284,663 |
2022-03-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX has violated my rights.
Inquires : XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax 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 XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax XXXX XXXX Equifax 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. | null | EQUIFAX, INC. | NC | 28216 | null | Consent provided | Web | 2022-04-01 | Closed with explanation | Yes | null | 5,322,215 |
2018-02-01 | Vehicle loan or lease | Lease | Managing the loan or lease | Billing problem | I am the CO- SIGNER on the lease through GM Financial. The customer of the lease on more than one occasion has not paid her lease on time or in full and quite often owes late fees and other overages. I had contacted GM Financial since they are the owner of the vehicle asking that I also be notified of any late payments right away so that I can remedy the situation, but to no avail. I called them on XX/XX/2018 on or around XXXX XXXX to ask them again why they are waiting almost two to three months before notifying me of late or overdue payments. They clearly stated that the co- signer of the lease doesn't receive any type of notification at all and that's it's my job to check up on it. However, the said lease would NOT have happened AT ALL without the co-signer. I simply asked to be notified immediately so that I could remedy the subject situation, and they said, " Sorry we don't do that here. '' I asked for them to send me paperwork so that I could take over the payments of the vehicle and they said, '' We don't do that here. '' Yet, they OWN the vehicle. They refused to help me at all but said that they would gladly take a check from me for the overage payments. They told me that the co-signer isn't their customer and that they aren't concerned about my credit score. | null | General Motors Financial Company, Inc. | NJ | 07470 | null | Consent provided | Web | 2018-02-01 | Closed with explanation | Yes | null | 2,801,084 |
2018-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I sent a dispute letter to Experian on XX/XX/2018. USPS certified receipt shows Experian received my dispute. I disputed the accuracy and the verification of the account. The disputed account had an incorrect date opened. No account number. Inaccurate first date opened. Not only did Experian fail to delete the disputed account due to these errors, they also failed to properly validate the account per the Fair Credit Reporting Act, 15 U.S.C. 1681. The dispute was simply " rubber stamped '' verified. This Blatant violation of the law will result in seeking legal action.bought on by me if this can not be rectified. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29212 | null | Consent provided | Web | 2018-08-11 | Closed with non-monetary relief | Yes | null | 2,988,738 |
2022-01-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have tried continuously to resolve the following errors and misinformation on my report with these agencies, but they have ignored my requests and have caused me a great deal of XXXX I have missed out on employment, housing, and loan opportunities due to their neglect.
I submitted all the necessary information for them to block the fraudulent XXXX XXXX account that is showing. I have sent in the FTC report, Affidavit, cover letter and everything else they needed and they still wont block this fraudulent account even after it clearly shows that an account was opened in my name, but my XXXX misspelled my name. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 75115 | null | Consent provided | Web | 2022-01-19 | Closed with explanation | Yes | null | 5,127,271 |
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 | Their investigation did not fix an error on your report | I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate.
Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 33331 | null | Consent provided | Web | 2023-03-14 | Closed with explanation | Yes | null | 6,697,172 |
2020-04-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to XXXX and 1 to TransUnion. I did not authorize any such requests.
XXXX received Inquiries from - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion received an inquiry from - XXXX XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ).
- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both XXXX and TransUnion ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30066 | null | Consent provided | Web | 2020-04-22 | Closed with explanation | Yes | null | 3,618,314 |
2019-09-28 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | Target credit card services has called me 66 times since XX/XX/16. Thats 66 times in 13 days! I have it all on my call log on my phone. This is definitely defined as harassment and it needs to stop! XXXX XXXX XXXX auto blocked their calls it was so excessive. And considering I already told them when I could pay it, and the reason I feel behind on my payments, due to my XXXX having XXXX, this is nonsense to keep harassing me. | null | TD BANK US HOLDING COMPANY | MN | 558XX | null | Consent provided | Web | 2019-09-28 | Closed with non-monetary relief | Yes | null | 3,389,230 |
2017-10-05 | Debt collection | Private student loan debt | Written notification about debt | Didn't receive enough information to verify debt | I have 4 private student loans serviced by American Education Services. 3 held by XXXX and XXXX that was with XXXX and apparently has been sold to XXXX but is still serviced by XXXX. After falling behind on my loans, they were sent to different collection agencies ( XXXX and XXXX XXXX ). I recieved a debt collection letter from these agencies ( XXXX XXXX, XXXX and XXXX XXXX, XXXX respectively ) and exercised my right to seek validation of the debts. I sent each letter within the 30 day time limit and have proof of reciept of these letters by the respective agencies. I did not hear from them again, but then XXXX continued to try to collect the debts. I then sent them a letter on XXXX XXXX, XXXX explaining that these debts are being disputed and that they should not be trying to collect until I receive the validation info I requested. At the same time, I disputed all of these accounts through all 3 credit bureaus ( all still currently under investigation ). On XXXX XXXX, XXXX I received a letter from XXXX regarding the credit bureau disputes and asking for more details of what I was disputing. Today I put together a packet for them that included all of the previous letters that had been sent out and also reiterated that I was seeking validation of the loans that they service. Just now I got an alert from XXXX telling me that AES/NCT has reported me 30days late on all 3 XXXX loans. This is WELL AFTER I have sent letters and also during open investigation disputes through the 3 major credit bureaus. It was my understanding that while a debt is being disputed, the servicers can not report negative information until the dispute is finalized. I have recieved absolutely NOTHING to validate any of these loans, yet they continue to run the clock on how many days I am " late '', when in reality I need them to pause and provide me with the requested information. I am frustrated as I feel they are disregarding my letters and are in obvious violation of my consumer protection rights. I have attached all letters sent as well as proof of delivery for your review. I look forward to any help you can offer in resolving this issue. | null | AES/PHEAA | TX | 79912 | null | Consent provided | Web | 2017-10-05 | Closed with non-monetary relief | Yes | null | 2,693,906 |
2020-04-28 | Checking or savings account | Savings account | Managing an account | Problem accessing account | Trying to link my account with XXXX XXXX XXXXs and it says it won't allow it | null | PNC Bank N.A. | MI | 48161 | null | Consent provided | Web | 2020-04-28 | Closed with explanation | Yes | null | 3,626,466 |
2021-01-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XX/XX/XXXX I spoke with BMW FINANCING SERVICE REPRESENTATIVE from BILLING DEPARTMENT XXXX XXXX REFER NUMBER IS XXXX. This person verified that this information on my credit report is indeed inaccurate and should be removed from my credit file.
1. I have never been late with payments on this account.
BMW FIN SVC Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. | null | BMW Financial Services NA, LLC | IL | 60610 | null | Consent provided | Web | 2021-01-07 | Closed with explanation | Yes | null | 4,053,533 |
2023-01-10 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I faxed an application for student loan forgiveness under XXXX on or around XX/XX/2022.
I received a letter confirming the application had been received late spring or early summer of 2022.
In XXXX or XX/XX/2022 I was notified that my account was being transferred to Mohela.
I created an account and logged into the Mohela site. The website has an option to check the status of your XXXX application. Every time I checked, there was no report. The website said it could not track my application.
I called twice, including in XXXX and XX/XX/2022. After extended hold periods I was assured by a customer service representative on each call that they could confirm in their system that my application had been received however due to the program being so popular and a backlog of applications the website was taking a long time to update.
I called today, XX/XX/XXXX, but after an extended hold was told by the first line of customer service that they had no record of my application. " XXXX never transferred it over. '' I told them this was contrary to what I had been told by Mohela staff on the two previous calls.
I have now been on hold for two hours as I'm told I'm being transferred to " a specific supervisor. '' | Company believes it acted appropriately as authorized by contract or law | MOHELA | MN | 55057 | null | Consent provided | Web | 2023-01-10 | Closed with explanation | Yes | null | 6,420,962 |
2021-08-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | In XX/XX/XXXX we entered a forberance plan with XXXX XXXX. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX.
" XXXX XXXX '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance.
Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.
I've contacted XXXX XXXX over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting.
On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance.
This situation is making this diffucult time worst. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78254 | null | Consent provided | Web | 2021-08-14 | Closed with explanation | Yes | null | 4,631,101 |
2022-11-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have contacted the company on various occasion trying to resolve the matter to no avail, I receive an email stating that they cant verify my identity and I am no longer responsible for the amount, I contacted them on XXXX, the amounts are XXXX and XXXX, I have email going back and forth trying to resolve the matter and also emails from them stating that the balance will not be my responsibility. | null | Affirm Holdings, Inc | NY | 11207 | null | Consent provided | Web | 2022-12-05 | Closed with explanation | Yes | null | 6,192,454 |
2019-07-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33056 | null | Consent provided | Web | 2019-07-18 | Closed with non-monetary relief | Yes | null | 3,311,261 |
2020-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The company XXXX sold me a frame damage vehicle that was illegal. The vehicle was deemed unsafe to drive. XXXX has made several mistakes on the account. This company have several complaints and should be investigated by FBI. This vehicle was not on credit due to several mistakes made by the company. They were reporting back in XXXX that the payments were XXXX when the payments were XXXX. Once advise of the frame damage it was backward and forward lies told by the company. I have had no dealing with this company since XXXX and I have credit reports showing they were removed because that was the agreement. I have credit reports showing no reports from XXXX in over 3 and 1/2 years this has not been on my credit. When it was on there in XXXX it was not being updated with the payment history. Now in XXXX of XXXX they reported that I did a voluntary surrender in XXXX of XXXX that is false and inaccurate. Also on the credit report it only shows an open date no payment history nor further information. They didn't have permission to access my credit in XX/XX/XXXX nor did I turn in a vehicle in XXXX. I have received no notices from this company at all. They are reporting false information and I want it removed from my credit report. I would like proof from XXXX showing that they have been reporting on my credit since XXXX. I have my credit report and I know they have not but I would like to see false documents they will come up with so I can take them to court. | Company believes the complaint provided an opportunity to answer consumer's questions | MEI AUTO FINANCE INC | TX | 76112 | null | Consent provided | Web | 2020-06-16 | Closed with explanation | Yes | null | 3,700,861 |
2023-05-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I recently submitted a request for an investigation of the disputed accounts, which you claimed was verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update or correct the following accounts from my file.
XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$14000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 31907 | null | Consent provided | Web | 2023-05-01 | Closed with non-monetary relief | Yes | null | 6,909,909 |
2017-11-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX, XXXX acting as a debt collector for Hyundai Motor Finance improperly reported my account late and we agreed to a payoff arrangement to satisfy the end of auto lease debt. The debt was incurred do to excess mileage and minor damage to the vehicle at lease end. The debt was satisfied on or about XXXX XXXX, XXXX. XXXX stated that they would not report the debt to any of the credit bureaus. They did and it adversely affected my credit decreasing my credit score substantially. I was a co-signor for my daughter 's loan. | null | HYUNDAI CAPITAL AMERICA | NJ | 074XX | null | Consent provided | Web | 2017-11-05 | Closed with explanation | Yes | null | 2,721,173 |
2023-06-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : {$3600.00}, XXXX XXXX Balance : {$760.00}, XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXBalance : {$2300.00}, XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$690.00}, XXXX XXXX Balance : {$1600.00}, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94587 | null | Consent provided | Web | 2023-06-05 | Closed with non-monetary relief | Yes | null | 7,065,026 |
2018-08-08 | 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/XXXX and XX/XX/2017 I received a hard inquiry from XXXX, which I did not authorize. I DID not request to obtain directly or through third party any loan or line of credit or charge card from XXXX in connection with this request ( as I already have one and do not desire anymore at this current time. ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48221 | null | Consent provided | Web | 2018-08-08 | Closed with explanation | Yes | null | 2,986,864 |
2023-05-17 | 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request.
XXXX XXXX XXXX Balance Owed : {$22000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 22204 | null | Consent provided | Web | 2023-05-17 | Closed with explanation | Yes | null | 6,989,937 |
2022-08-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23185 | null | Consent provided | Web | 2022-08-05 | Closed with non-monetary relief | Yes | null | 5,849,495 |
2023-04-07 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | A Synovus budget checking account was opened without my consent or knowledge. I received a statement of account with a balance of {$20.00} and a service fee of {$5.00} in the mail from XX/XX/2023. Ive called the company at the number provided, XXXX, and they were unwilling to provide the information about the account or its origin without me providing personal information. I was told to contact my credit bureau. | null | Synovus Bank | FL | 33884 | Older American | Consent provided | Web | 2023-04-07 | Closed with explanation | Yes | null | 6,810,362 |
2020-11-13 | 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 | cash app has no customer servce number for m to get any info on who has access to multiple accounts under my name.I 've emailed and haven't had any assistance with obtaining my billing and personal info. I need bank statements and access to new and old username and passwords.i believe people have been fradulently using bank/wire tranfers to move deposit on my account. i also need to know if my government benefits are being direct deposited to any cash app card that under my account. | null | Square Inc | NV | 89148 | null | Consent provided | Web | 2020-11-23 | Closed with explanation | Yes | null | 3,951,555 |
2022-11-17 | 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 ( as such as the God of nature formed me ). My name in ALL CAPS is not me. I am the natural person XXXX, XXXX XXXX XXXX XXXX XXXX XXXX who is the student as well as the consumer on these accounts who applied for credit for personal purposes and who has a right to privacy afforded by the Family Educational Rights and Privacy Act 34 CFR Part 99 which protects the privacy of student educational records. These records are directly related to me, in which I did not give prior written express consent before they violated my rights to privacy.
Furthermore, In accordance with the Fair Credit Reporting act, THE LIST OF XXXX ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681, The Family Educational Rights and Privacy Act of 1974, and The Privacy Act of 1974 : XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Closed accounts of XXXX XXXX XXXX closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 15 U.S. Code 1602 ( b ) BUREAU -The term Bureau means the Bureau of Consumer Financial Protection.
15 USC 1681 ( a ) ( XXXX ) states : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681b ( a ) ( XXXX ) I never gave any consumer reporting agency written instructions to furnish a consumer report/account as this section states.
15 USC 1681c ( a ) ( XXXX ) states : No consumer reporting agency XXXX make any consumer report containing any of the following items of information ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
15 U.S. Code 1681c Requirements relating to information contained in consumer reports ( a ) WHICH STATES NO consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX YEARS.
THESE ACCOUNTS LISTED ALSO APPEARS TO HAVE BEEN CLOSED ACCOUNTS AND ARE XXXX XXXX XXXX from XXXX and have been delinquent/closed/charged for XXXX years.
15 USC 1681s-2 ( a ) ( XXXX ) 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.
Furthermore, The Privacy Act of 1974 establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies, as well as PROHIBITS THE DISCLOSURE OF A RECORD ABOUT AN INDIVIDUAL FROM A SYSTEM OF RECORDS ABSENT THE WRITTEN CONSENT OF THE INDIVIDUAL. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
16 CFR Part 313 Privacy of consumer financial information governs the treatment of nonpublic information about consumers by the financial institutions. The term nonpublic personal information means personally identifiable financial information.
16 CFR 313.10 ( A ) ( 1 ) I have NOT been given as the consumer a reasonable opportunity, before the disclosure of my information to nonaffiliated third parties, to opt out of any disclosures.
Lastly, I also invoke my right to erasure ( Articles 17 & 19 of the GDPR ) in which I have the right to have my data erased, without undue delay, by the data controller based on the grounds in these sections. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08360 | null | Consent provided | Web | 2022-11-17 | Closed with explanation | Yes | null | 6,217,673 |
2017-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily. Also, A deleted account for {$2500.00} for XXXX reappeared even after the first dispute, they could n't verify the debt and it was deleted.now it reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA. | Company believes it acted appropriately as authorized by contract or law | ERC | UT | 84081 | null | Consent provided | Web | 2017-05-14 | Closed with explanation | Yes | null | 2,483,628 |
2018-01-11 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Charged too much interest | On XX/XX/XXXX, I requested an interest rate reduction from the credit card company for the 2 credit cards I have from Capital One.They put me on hold said no and I asked for a supervisor. I then was told no again and I had to do a few things in order to request an interest rate reduction successfully. 1. Continue to pay on time, 2. pay more than the minimum amount due, 3. Reduce my overall debt with both cards and 4. Increase my credit score ( XXXX XXXX XXXX ). The supervisor apologized because she saw my loyalty, on time payments and offered me a {$50.00} credit on one of my cards. This can been seen on my statement.
I then did as was recommended, called back Monday, XX/XX/XXXX and told the cust service rep the situation she transferred me to a supervisor, she said they do n't do that and we got " disconnected ' or what seemed a hang up to me. I called again did the same procedure this sime spoke to another supervisor she also said no and they would not have told me to do the above instructions of give a credit. I told her to check the statement and she said " it does n't matter whether it 's true, we do n't do that ''. And they only offer interest reduction occasionally as offers and I have to keep checking. So basically, never. I checked online and saw many others had the same issue. I feel lied to and mistreated by them. I want the interest rate reduced and of course an apology for misinformation and being hung up on. | null | CAPITAL ONE FINANCIAL CORPORATION | NY | 10451 | null | Consent provided | Web | 2018-01-11 | Closed with explanation | Yes | null | 2,778,183 |
2019-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from XXXX. | null | EQUIFAX, INC. | FL | 335XX | null | Consent provided | Web | 2019-06-26 | Closed with explanation | Yes | null | 3,288,289 |
2022-12-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60637 | null | Consent provided | Web | 2022-12-14 | Closed with non-monetary relief | Yes | null | 6,322,233 |
2023-05-31 | 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 | Multiple inquiries when applying for vehicle multiple inquiries on XXXX credit card and multiple inquiries by mortgage companies | Company has responded to the consumer and the CFPB and chooses not to provide a public response | ALLY FINANCIAL INC. | GA | 305XX | Older American | Consent provided | Web | 2023-05-31 | Closed with explanation | Yes | null | 7,054,229 |
2017-07-21 | Debt collection | Mortgage debt | Attempts to collect debt not owed | Debt was paid | Date : XX/XX/XXXX To : Consumer Finance Protection Bureau. Re : EverBank loan # XXXX XXXX XXXX XXXX XXXX. XXXX, FL. XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, CA. XXXX Dear Processor, 1- We ( me and my husband ) filed for Chapter XXXX bankruptcy in XX/XX/XXXX, and was confirmed on XX/XX/XXXX, and a plan was established for the payments to be made to the creditors. 2- One of the creditors was/is EverBank ( EB ), and since the said property was a rental at that time, the judge ordered the mortgage payments that were skipped during the BK filing, to be paid back in full. Hence, we made the past due payments accordingly in the amount of {$46000.00} ( see Exh. # 1 ). 3- Since the said loan was modified, the judge decided that the mortgage payments of this loan ( we had several mortgages that were modified to fit the BK plan, except the said loan ) to be paid according to the modification terms.
4- We had also a secured credit line with XXXX XXXX XXXX XXXX XXXX which was modified by the BK court to be paid over ten years with fixed monthly payments. 5- The attorney representing XXXX XXXX XXXX XXXX ( the credit line holder ), refused to approve the BK courts payment plan, unless we pay back and bring current whatever we owe to EverBank ( see Exhibit # 2 ) 6- On XX/XX/XXXX, we received an Escrow payment analysis from EverBank telling us also how much our payments would be. We Paid the Mortgage payment via phone, and got confirmation # of XXXX ( see Exh. # 3 ).
7- Prior to the final confirmation of the BK courts payment plan in XX/XX/XXXX ), EBs attorney requested additional past due amounts ( for five months ) to finalize the plan. We sent a cashiers check in the amount of {$15000.00}, and an additional monthly payment of {$2800.00} ( see exh. # 4 ) 8- On XX/XX/XXXX, we received a new mortgage statement ( Exh # 5 ), requesting in addition to the mortgage payment of {$3100.00} a lump sum payment of {$23000.00} of which {$1300.00} goes to fees + charges, and totaling {$26000.00} 9- We immediately contacted our BK attorney questioning this {$23000.00}. According to him we were not supposed to owe EB any arrearage. 10-For more than 18 months, EverBank refused to talk to us in regard this past due amount that we owe them, claiming that this is a BK case, and we must tell our BK attorney to contact them, and they will resolve it with him. 11-Eventually, and after about two years, they accepted to communicate with us, and assigned a customer relationship manager -XXXX XXXX-to handle the case. We send the above-mentioned evidence to her, and requested from her to pin point the months that we were delinquent so that we can compare them with our records, and if we were delinquent, then we will pay that amount we owe them. They claimed that it should be reflected on our monthly mortgage statements. I am attaching here several mortgage statements, and our bank statements that shows we paid all their mentioned delinquent months ( see exh. # 6 ) 12-We have been making the regular mortgage payments till XX/XX/XXXX, and our last 2 mortgage payments ( XX/XX/XXXX + XX/XX/XXXX see Exh. # 7 ) ) were returned to us, claiming that we are supposed to pay back the whole delinquent amount that was increased to about {$30000.00}. 13-For about 3 months, we kept going back and forth with no avail, and they filed Notice of Default and started the foreclosure process in XX/XX/XXXX. For the next 4 months, we continued to discuss our case with EB, and most of the time either the relationship manager was no longer with EB, or a new one was appointed to our case, which made us repeat the scenario more than 8 times ( we have changed round 8 relationship managers and here are their names-XXXX XXXX- XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Eventually one of them suggested to apply for loan modification ( which my husband refused to do, and argued with them saying that we made your regular payments for 28 months, and we can continue making the same payments, why then we should modify the loan, since we have only 18 yrs to pay it off ).
14-Eventually, I agreed to apply for loan modification, for which we were eligible, but they denied the modification without a solid or legitimate reason, we appealed the denial, and filed again proving to them that they made a big mistake in calculating our income, our second application was denied also claiming also that there were missing docs, and every time they requested a document was sent to them immediately, then another relationship manager comes, and claims that there are missing docs. ( see EXH # 8 & 9- We can send you the modification application if necessary ).
XX/XX/XXXX, my husband sold one of his properties, and when he received the payoff demand from the servicer ( XXXX ), he noticed that, the payoff amount is about {$90000.00} more than the original loan amount. He contacted the BK attorney questioning about the figures, the attorney told him that XXXX DID NOT ADHERE TO OR COMPLY with the BK approved plan, and they ( XXXX ) went by their own books, and he sent the court dockets that showed what was the agreement between each lender and us. 15-According to the agreement ( see Exh. # 10 ) EverBank was supposed to request a payment of {$350.00} ( for 60 months ) in addition to the regular mortgage payments, and not {$26000.00}. They didnt honor the court decision, and their own attorneys agreement. 16-If you calculate the pre-petition amount of {$20000.00}, and the post-petition amount of {$18000.00}, and compare that with the amounts in ( Exh. # 1 ) that we paid to EB add to that an escrow surplus in the amount of approximately {$5200.00} that they owe us you will notice that we even overpaid them, cause as I indicated previously, the attorney for the credit line didnt agree to the BK payment plan, unless the delinquent amounts to EB were satisfied.
At this time, I am seeking your assistance in this mater, by negotiating a favorable deal and payment plan with EverBank or XXXX, and keep the house which is scheduled to foreclose in XX/XX/XXXX. Thank you in advance for your consideration and cooperation. Sincerely, XXXX XXXX. | null | EVERBANK, NATIONAL ASSOCIATION | CA | 91325 | null | Consent provided | Web | 2017-07-25 | Closed with explanation | Yes | null | 2,581,554 |
2019-03-15 | 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 XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33157 | null | Consent provided | Web | 2019-03-15 | Closed with explanation | Yes | null | 3,181,432 |
2023-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway, I am requesting that those charges be removed. | null | Experian Information Solutions Inc. | PA | 18045 | null | Consent provided | Web | 2023-08-02 | In progress | Yes | null | 7,341,411 |
2022-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IA | 515XX | null | Consent provided | Web | 2022-01-02 | Closed with explanation | Yes | null | 5,062,914 |
2022-09-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | {$170.00} charge from XXXX is for XXXX testing for XX/XX/2021 for XXXX XXXX XXXX people. These charges for XXXX XXXXXXXX results are not to be billed to XXXX XXXX during this time period, a s we had no health insurance. If these are not XXXX billings from XXXX, then they are incorrect billings being charged to XXXX XXXX XXXX Why? Because XXXX shows no Collection Accounts for XXXX XXXX for the last XXXX XXXX Kindly remove this collection activity from XXXX for XX/XX/2021 for XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85249 | null | Consent provided | Web | 2022-09-02 | Closed with non-monetary relief | Yes | null | 5,939,588 |
2023-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33040 | null | Consent provided | Web | 2023-07-21 | Closed with non-monetary relief | Yes | null | 7,279,449 |
2022-10-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information is missing that should be on the report | Experian Is Not Reporting all my Credit Cards or Credit History in the XXXX XXXX Lines of Credit Reporting. Over two months ago I was added as an authorized user of One XXXX XXXX card with a 12 year Credit History, another XXXX XXXX XXXX with a 4 year Credit History and another XXXX XXXX XXXX with a 4 year credit history.
I need ALL of these cards reported to my Experian Credit Report on a monthly basis and currently for over 2 months these cards have not been reported on my Experian Credit History.
I am in the market to buy a Home and this issue is preventing me from moving forward to purchase a new home! I need Experian to report these Lines of Credit that I am an authorized user IMMEDIATELY! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 90804 | null | Consent provided | Web | 2022-10-08 | Closed with explanation | Yes | null | 6,065,510 |
2022-09-15 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | After the announcement of potential student loan forgiveness, I requested a refund of payment of {$14000.00} with EdFinancial on XX/XX/2022 as I made payments during the covid waiver I am eligible for forgiveness. I called back on the 31st to get an estimate for the timeline of refund, and they told me it would be about 150+ days for a refund. I told them that is too long as the forgiveness application is set to open in XXXX and I'm assuming it may take a few weeks to process that already. I also told them that this is past the no interest rate in XX/XX/XXXX so while I wait for forgiveness I would accure interest. They basically told me too bad and I would be responsible for interest past XXXX. Interest would be added DAILY even though I already paid off my loan. I don't quite understand how it would be responsible for interest to accure when I can't even see the balance or make a payment and yet would be getting some of this forgiven. This request should not be taking over 150 days as other loan services are about a few weeks compared to EdFinancial. I should be able to get a refund, apply for forgiveness and pay back the remaining balance without interest. Add this all to they recent databreach to this company in the last few weeks and this company fails to give me confidence about anything they do. EdFinanciall fails to process refunds in a timely matter, has poor customer service, poor data practices, and says I could potentially pay interest for a loan I already paid. | null | EdFinancial Services | WI | 54601 | null | Consent provided | Web | 2022-09-15 | Closed with explanation | Yes | null | 5,987,194 |
2022-12-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$39000.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11234 | null | Consent provided | Web | 2022-12-22 | Closed with non-monetary relief | Yes | null | 6,347,928 |
2021-04-09 | 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 | I order a 5 in 1 machine on XX/XX/21 for XXXX. I was sent a 3 in one machine that was clearly used for XXXX. I paid my money to send it back. The merchant said I would get a refund. I tried to send supporting documents to chase for my dispute. Chase claims that they did not receive my supporting documents after I faxed and mailed it. | null | JPMORGAN CHASE & CO. | FL | 33844 | null | Consent provided | Web | 2021-04-09 | Closed with monetary relief | Yes | null | 4,285,309 |
2020-06-06 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | A judgment was levied against me after credit card debt was sold from MBNA to Bank of America, and I was XXXX XXXX and on XXXX XXXX XXXX. I did not even know there was a judgment against me until I began to look for apartments and realized that suddenly no one agreed to rent to me unless I paid a year 's rent upfront, which was and has been impossible. The law firm that rendered the judgment will not remove it and I can not afford to pay it. My understanding has been that because I have been XXXX XXXX, this judgment should not have been rendered in the first place.
This judgment occurred sometime in late XXXX. It is for {$12000.00}. ( I desperately need to move from a dangerous living situation, but no one will rent to me as long as this judgment remains. ) Apparently, this occurred with many individuals and a class action suit was filed against MBNA and Bank of America. But the attorney, XXXX XXXX, who issued these judgment has refused in general to remove them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | WI | 53214 | Servicemember | Consent provided | Web | 2020-06-11 | Closed with explanation | Yes | null | 3,686,978 |
2023-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I brought this loan current in XXXX of 2023. At the time the balance was {$860.00} and I paid off over half the balance. In XXXX of 2023 I paid off the remaining {$400.00} or so dollars. This account has been paid off since XXXX and current since XXXX. However, it is now going into XXXX and they are still showing that I am {$860.00} past due! | null | EQUIFAX, INC. | VA | 22309 | Servicemember | Consent provided | Web | 2023-05-19 | Closed with explanation | Yes | null | 6,999,204 |
2023-01-18 | Credit card or prepaid card | General-purpose prepaid card | Problem with a purchase or transfer | Card company isn't resolving a dispute about a purchase or transfer | I made a purchase from an online company for {$100.00} and never received a receipt. I tried to call the company and the phone number was no good. I tried to contact them by email but it came back as undeliverable. I contacted Cash App, who I'd made the payment through ) and my dispute was denied. Cash App didn't provide an explanation as to why it was denied. For weeks I've been dealing with their customer service support department and have only gotten the run around. I've called their support phone number and again, haven't gotten any assistance and can't get any answers. I've provided Cash App with documentation that the company that I tried to make a purchase from has been reported as a scam. I want my money returned and once that happens I want to close my Cash App account and will never do business with them again. | null | Block, Inc. | IN | 460XX | Servicemember | Consent provided | Web | 2023-01-18 | Closed with explanation | Yes | null | 6,453,336 |
2021-01-09 | Checking or savings account | Checking account | Problem with a lender or other company charging your account | Transaction was not authorized | An unauthorized transaction in the amount of {$6600.00} was made and 3 other thereafter totaling {$7000.00} more or less I emailed the fraud department and mentioned my account was being robbed right now and now today I'm still waiting for a credit for the money taken from my account. | null | BBVA FINANCIAL CORPORATION | AZ | 85037 | Servicemember | Consent provided | Web | 2021-01-09 | Closed with explanation | Yes | null | 4,058,042 |
2022-11-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items.
XXXX XXXX XXXX Account Number : XXXX | null | EQUIFAX, INC. | LA | 70810 | null | Consent provided | Web | 2022-11-28 | Closed with explanation | Yes | null | 6,243,029 |
2023-03-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 cannot furnish an 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 or 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. | null | EQUIFAX, INC. | AZ | 85008 | null | Consent provided | Web | 2023-03-20 | Closed with explanation | Yes | null | 6,717,664 |
2023-04-06 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was result of identity theft | You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60624 | null | Consent provided | Web | 2023-04-06 | Closed with non-monetary relief | Yes | null | 6,804,989 |
2022-10-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FRAUD
THIS ACCOUNT SAYS CLOSED BUT CURRENT
IT DOESNT MAKE SENSE, NOT MY ACCOUNT
ONCE AGAIN I WAS BED RIDDEN WITH COVID FOR OVER A YEAR SICK MULTIPLE TIMES, I HAD A XXXX SCORE BUT NOT A XXXX, MY CREDIT HAS BEEN RUINED OVER THESE ACCOUNTS
ayment Status Current
Past Due Amount --
Highest Balance XXXX
Monthly Payment XXXX
Times XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NV | 89084 | null | Consent provided | Web | 2022-10-23 | Closed with explanation | Yes | null | 6,119,579 |
2022-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting Act XXXX Account XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | XXXXX | null | Consent provided | Web | 2022-04-24 | Closed with explanation | Yes | null | 5,490,869 |
2022-10-20 | Debt collection | Medical debt | False statements or representation | Attempted to collect wrong amount | On two occasions I was sent a bill ( XX/XX/22 ) and then a final notice ( XX/XX/22 ) from XXXX XXXX XXXX XXXX. After receiving the first bill on XX/XX/22, I called them and had my XXXX XXXX XXXX representative, XXXX, on the phone. It was determinedthat I was billed for three claims with the same tax ID and two different doctors. Not only that, but the claim was for a hospital procedure when the actual procedure was done in a doctor 's office.
Today, XX/XX/22, I received a debt collection bill from iQuantified Management Services stating that I owed for this exact claim. I then called XXXX XXXX XXXX XXXX on the phone for the THIRDtime. I spoke to a manager named XXXX, who went back over the claim that is in need of correction. I even provided him with the corrected claim number ( XXXX ) that XXXX XXXX XXXX XXXX provided me with after my very first call on XX/XX/22 and then again after the second call on XX/XX/22, when I spoke to a man named XXXX XXXX. XXXX XXXX XXXX XXXX never fixed the claim, billed me incorrectly twice, and then sent it to a collection agency. I find these practices unethical and therefore I reported them to the XXXX XXXX XXXX and to you, the Federal Consumer Affairs Bureau of Consumer Protection.
As a final note, XXXX, the manager who I spoke to today, on XX/XX/22, stated that he is calling the collection agency and escalating this to his account management team who will, in turn, call my insurance. He assured me that I would not see another incorrect bill or a bill from your collections agency. If I see another bill, I will be seeking legal action.
Thank you for your prompt attention to this matter. | null | iQuantified Management Services, LLC | NY | 11217 | null | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,109,858 |
2018-12-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I HAVE IDENTITY THEFT ON MY EXPERIAN REPORT XXXX XXXX XXXX XXXXACCT XXXX XXXX, AND XXXX XXXX XXXX ... ACCT XXXX ... XXXX ON XXXX XXXX.
THESE ARE FRAUD ACCOUNT I HAVE BEEN DISPUTING FOR 2 YEARS AND THEY REFUSE TO REMOVE THEM. I HAVE SENT SEVERAL DOCUMENTS FORM THE CLERK OF THE COURTS, AND XXXX COUNTY CLERK SHOWING I HAVE NOT LIVED OR EVER BEEN EVICTED FROM THESE PLACES. THE CREDITOR DOES NOT EVEN HAVE MY SOCIAL SECURITY NUMBER ON THESE ACCOUNTS. XXXX XXXX AND XXXX ALREADY REMOVED THEM DUE TO FRAUD BUT EXPERIAN REFUSES TO REMOVE THEM/. THESE ARE NOT MY ACCOUNTS THE IDENTITY ON THEM IS NOT MINE. PLEASE HELP ME TO GET THESE REMOVED I AM XXXX XXXX XXXX XXXX THE FRAUD ACCOUNTS DO NOT MATCH MY NAME OR SOCIAL SECURITY NUMBER | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33702 | null | Consent provided | Web | 2018-12-16 | Closed with explanation | Yes | null | 3,101,808 |
2023-06-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I kindly request that you update my credit report and remove the public record that is currently listed. | null | EQUIFAX, INC. | WA | 98034 | null | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 7,085,136 |
2019-07-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Ive reached out to Equifax a plethora of times but the situation hasnt been fixed yet. Theres a delinquent account from XXXX XXXX for a total of {$1000.00} still showing on my credit report when Ive never attend this establishment. XXXX removed the fraudulent listing from my report Im just waiting on Equifax to do the same. Its been months | null | EQUIFAX, INC. | LA | 70056 | null | Consent provided | Web | 2019-07-23 | Closed with explanation | Yes | null | 3,315,255 |
2018-10-23 | 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 can not view updated credit information online through any means that I currently use. Credit Karma gives me an error stating that both XXXX and XXXX are unable to provide them with my credit information, it also states that it cant retrieve info from the credit bureau. I have been using Credit Karma for two years and haven't had an issue until recently, the last update was XX/XX/2018. The app says to contact XXXX or XXXX to resolve the issue. To verify that whether it is a Credit Karma issue, I went to XXXX to request my free credit reports and got errors from all three companies. XXXX says for my protection they can not deliver it online, XXXX says a condition exists that prevents them from being able to accept my request, and XXXX says they can not confirm my identity. I called XXXX to see if there was an issue with my credit report, like fraud or theft, and all they could do for me is tell me that they see a credit score and will sell it to me for {$9.00}. Even my credit cards that track my score can't get an update. I am very concerned about the status of my credit but can't seem to get an answer from any entity about what is going on. | null | Credit Karma, LLC | AE | XXXXX | Servicemember | Consent provided | Web | 2018-10-23 | Closed with explanation | Yes | null | 3,054,564 |
2022-08-15 | 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 A. States I have the right to privacy.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 Section A. Section 2 : It also states that a consumer reporting agency can not furnish an 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 ither adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AL | 366XX | Servicemember | Consent provided | Web | 2022-08-15 | Closed with non-monetary relief | Yes | null | 5,880,700 |
2023-02-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 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. | null | EQUIFAX, INC. | GA | 30024 | null | Consent provided | Web | 2023-02-21 | Closed with explanation | Yes | null | 6,597,519 |
2023-04-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | FL | 336XX | null | Consent provided | Web | 2023-04-02 | Closed with explanation | Yes | null | 6,768,393 |
2021-03-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | M&T BANK CORPORATION | PA | 152XX | null | Consent provided | Web | 2021-03-04 | Closed with explanation | Yes | null | 4,184,157 |
2018-03-25 | 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 | Errors on reports on all 3 major credit bureau 's or " specialty credit bureaus ''. Dates, amounts, accounts, unknown address of residence, my social security affiliated with unknown address, public records that do not belong to me, reappearing accounts shown with different collection agencies/accounts including those that have been removed. Numerous inquiries without my knowledge. Requested validation from creditors/collection agencies/inquiries was not provided with competent evidence.
This has caused me defamation of character and has prevented me from receiving auto/personal loans, insurance and credit cards. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92656 | null | Consent provided | Web | 2018-03-25 | Closed with explanation | Yes | null | 2,853,924 |
2023-02-11 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | On XX/XX/2022, I was on the Credit Karma website logged into my account and saw an ad for the " Karma Guarantee '' for a XXXX XXXX XXXX XXXX. Credit Karma said I was guaranteed to be approved for this credit card and if I was denied, I would receive {$50.00} within 60 days of the denial. I was denied the card, but Credit Karma has not paid me the promised {$50.00} despite several times contacting them and providing supporting documents. | null | Credit Karma, LLC | MI | 48706 | Servicemember | Consent provided | Web | 2023-02-11 | Closed with explanation | Yes | null | 6,561,023 |
2021-12-09 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I live on Social Security. I received my bill from Capital One for my payment due on XX/XX/2021, minimum payment {$28.00}. I paid on XX/XX/2021 {$250.00} on my Walmart Credit card ( ending in # XXXX ) on a card balance of {$260.00}, XXXX. My confirmation number for the payment was XXXX. The monies were withdrawn from my bank on XX/XX/2021 under post # XXXX. Today is XX/XX/2021, and according to their computer printout all I had to use on my card was {$11.00}. My credit limit on the card is {$300.00}. At XXXX XXXX I spoke with their representative at phone # XXXX and questioned him as to where my additional {$250.00} were. He advised me that sometimes it can take up to 8 business days to clear. I questioned him if this was normal practice and he answered " Yes ''. I do not believe that the bank is authorized to 'float ' my money without allowing me to have access to the funds. As I stated at the beginning of my complaint, I ( we, my wife and I ) live on Social Security and our budget doesn't allow holding on to our monies when, in doing so, we can't buy groceries or medications. Please advise us if this allowed. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 32164 | Servicemember | Consent provided | Web | 2021-12-30 | Closed with explanation | Yes | null | 4,990,654 |
2020-11-22 | 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/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX.
On XX/XX/XXXX, JPMCB - CARD SERVICE add a hard inquiriy on my credit report per XXXX.
OnXX/XX/XXXX, XXXX/XXXX add a hard inquiriy on my credit report per XXXX. | null | JPMORGAN CHASE & CO. | VA | 22031 | null | Consent provided | Web | 2020-12-04 | Closed with non-monetary relief | Yes | null | 3,968,971 |
2019-12-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I would like to request the suppression of the following items from my credit report, which are the resultof my falling victim to identity theft. This information does not relate to [transactions that I havemade/accounts that I have opened], as the attached supporting documentation can attest. As such, itshould be blocked from appearing on my credit report pursuant to section 605B of the Fair CreditReporting Act. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92405 | null | Consent provided | Web | 2019-12-12 | Closed with explanation | Yes | null | 3,466,664 |
2022-09-07 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | COMPENY HAS FILE TO CORECT A REPORTING PROBLEM TO CREDIT REPORTING ANGENCIES | null | Exeter Finance Corp. | FL | 32839 | null | Consent provided | Web | 2022-09-07 | Closed with explanation | Yes | null | 5,960,061 |
2023-06-01 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | About three years ago I was going to switch to open a XXXX XXXX account for my business. This was all done over the phone with XXXX XXXX. We agreed on a package and they were going to send me phones so I can activate the account. Before that I received an email to make a payment to activate the account and it wasnt what we spoke about so I cancelled it never activated the phone and sent it all back. Now three years later this came up on my XXXX credit report. I am being billed for {$840.00} from XXXX XXXX A collections is on my credit report. I disputed it twice and I am being told it is accurate. I also called the collection agency and they were not helpful at all. Just said to dispute it on my credit report. Please assist on this | null | Source Receivables Management LLC | FL | 34119 | null | Consent provided | Web | 2023-06-01 | Closed with explanation | Yes | null | 7,059,627 |
2019-08-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I noticed unauthorized and fraudulent credit inquiries made by the following companies : 1. XXXX XXXX XXXX on XX/XX/2019 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30126 | null | Consent provided | Web | 2019-08-06 | Closed with explanation | Yes | null | 3,330,850 |
2023-04-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | TX | 77389 | null | Consent provided | Web | 2023-04-09 | Closed with explanation | Yes | null | 6,815,292 |
2016-02-03 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt was paid | Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX.
I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX.
According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have. | null | CAINE & WEINER COMPANY, INC. | DC | 20001 | null | Consent provided | Web | 2016-02-03 | Closed with explanation | Yes | Yes | 1,772,138 |
2023-05-07 | Credit card or prepaid card | Store credit card | Trouble using your card | Can't use card to make purchases | I had a XXXX XXXX credit card. Synchrony bank closed it without any notice. I have several cards with Synchrony, and I am seeing the trends that they wants to manipulate the credit score to a lower number so that Synchrony can get higher interest possible. By closing the XXXX XXXX card they impacted my credit score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | OH | 452XX | null | Consent provided | Web | 2023-05-07 | Closed with explanation | Yes | null | 6,937,049 |
2022-05-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | In accordance with the fair credit Reporting act Capital One, XXXX XXXX, XXXX have violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for gi. *k purpose.
270 | null | CAPITAL ONE FINANCIAL CORPORATION | MO | 65401 | Servicemember | Consent provided | Web | 2022-05-21 | Closed with explanation | Yes | null | 5,586,380 |