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2022-01-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I previously notified your company that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.
I still have not received written confirmation of these actions.
As I stated before : I am a victim of identity theft. I filed my original Identity Theft Report with the Federal Trade Commission on XX/XX/2021, report # XXXX. As well, I filed a complaint with the Consumer Finance Protection Bureau on XX/XX/2021, Complaint # XXXX, with your company XXXX XXXX and sent the same information to Experian, XXXX and XXXX.
I recently pulled a copy of my credit report on XX/XX/2021, and found that XXXX XXXX is still reporting this fraudulent information to my Experian Credit Report. I have enclosed a copy of the new FTC Identity Theft Report, Report # XXXX, filed on XX/XX/2021. I also have enclosed a copy of the FTC 's Notice to XXXX, which explains your responsibilities when reporting information to the CRAs. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91326 | null | Consent provided | Web | 2022-01-01 | Closed with non-monetary relief | Yes | null | 5,059,889 |
2023-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. 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 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 88 times in the last 120 days. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60645 | null | Consent provided | Web | 2023-03-23 | Closed with non-monetary relief | Yes | null | 6,740,873 |
2020-05-05 | Debt collection | I do not know | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | First off, I read in the newspaper that I was being sued by a debt buyer that I had never heard of, then I had a court document delivered by local sheriff of a request for default judgment request.
I had never received any letter from this debt buyer. I contacted the court and advised I had not received any letters and that I requested an actual hearing.
The debt collector submitted a signed affidavit that said a letter was mailed via first class mail. No tracking info could be provided.
I asked for proof of ability for them to sue me or ownership of the debt. They sent some papers that showed they bought a bunch of debt from XXXX XXXX. Nothing that showed me or any account directly associated with me.
We appeared in court and the judge agreed the information provided was not supportive of showing any ownership, thus not granting the default judgment they requested. However, they continue to report this on my credit report after many attempts to have it removed.
Secondly, the information they are reporting is inaccurate. I never obtained a loan directly from XXXX XXXX and the only loan I can possibly associate with it, is from AVANT and the account numbers are the same l, but the dates do not match.
The debt buyers date is listed as after the possible loan. | null | Avant Credit Corporation | IN | 461XX | null | Consent provided | Web | 2020-05-05 | Closed with explanation | Yes | null | 3,638,654 |
2023-04-30 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | Because my phone number changed I am u able to make payment or access account. I believe this is a ploy to enable PenFed to charge late fees. The credit union should be able to verify me by phone and update my phone number as requested..I attempted to use their secure method but after trying for an hour it will not accept documents I am trying to provide. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | PENTAGON FEDERAL CREDIT UNION | CA | 90631 | Older American | Consent provided | Web | 2023-04-30 | Closed with non-monetary relief | Yes | null | 6,910,847 |
2022-06-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the 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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. | null | EQUIFAX, INC. | IL | 60563 | null | Consent provided | Web | 2022-06-10 | Closed with explanation | Yes | null | 5,658,224 |
2023-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
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 | null | EQUIFAX, INC. | FL | 33014 | null | Consent provided | Web | 2023-08-07 | Closed with explanation | Yes | null | 7,358,310 |
2019-10-24 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | hello, On XX/XX/19 an call was placed to this agency for the debt that is on my credit report. this amount is wrong. Payments were paid to the previous agency and the converter boxes has been sent back. I was supposed to received at least {$200.00} credit for the boxes being sent back, seeing that the original debt was for service that has not been rendered. The cable service was to be paid a month a head of time every month. If not paid they will cut off your service. So bad enough I still have to pay for a bill on cable I didnt get the opportunity to watch but they are trying to make me pay for the boxes and for payments I already paid. They offered me a {$230.00} settlement that I declined, the balance they said that I owed was {$470.00}. I told them if they take in light that I did send the boxes back with they said was {$160.00} and deduct that from the {$470.00} and then offer me a settlement, I would be more inclined to take that offer so it can come off my credit report. but they declined | Company believes it acted appropriately as authorized by contract or law | Sequium Asset Solutions, LLC | NY | 14211 | null | Consent provided | Web | 2019-10-24 | Closed with explanation | Yes | null | 3,417,154 |
2023-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. | null | EQUIFAX, INC. | PA | 17109 | null | Consent provided | Web | 2023-06-09 | Closed with explanation | Yes | null | 7,093,088 |
2016-10-05 | Debt collection | Other (i.e. phone, health club, etc.) | Cont'd attempts collect debt not owed | Debt is not mine | XXXX XXXX. I moved from this apt . complex and was up to date on my rent. One year later recieved letter stating that I own them {$1100.00} dollars.
I now have the credit book, how to fix your credit. On XXXX XXXX I sent them a certified letter stating that, they need to sent me a letter with my signature on it to proved that I own the {$1100.00} dollars. On respond! Now they will not sign for my XXXX certified letter stating that they removed this from my credit report and that they failed to respond in the 30 days under the Fair Credit Report Act. | Company believes it acted appropriately as authorized by contract or law | Advanced Collection Bureau, Inc. | LA | 71106 | Servicemember | Consent provided | Web | 2016-10-05 | Closed with explanation | Yes | No | 2,147,361 |
2023-03-24 | 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 been trying to get this unauthorized Inquiry off my credit report for months. I have sent in 4 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it | null | JPMORGAN CHASE & CO. | NY | 11356 | null | Consent provided | Web | 2023-03-24 | Closed with explanation | Yes | null | 6,744,323 |
2023-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | 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. | MI | XXXXX | null | Consent provided | Web | 2023-07-10 | Closed with explanation | Yes | null | 7,225,377 |
2022-02-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX AND XXXX DELETED THIS ITEM DUE TO ITS INACCURACY, I NEED TRANSUNION TO DO THE SAME | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 78653 | null | Consent provided | Web | 2022-02-11 | Closed with non-monetary relief | Yes | null | 5,210,108 |
2018-01-08 | Checking or savings account | Checking account | Closing an account | Company closed your account | several people made cash deposits in well-fargo establishments, they elegant that these transactions are fraudulent and closed the account, now I can not withdraw the money. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | TX | 77047 | null | Consent provided | Web | 2018-01-08 | Closed with explanation | Yes | null | 2,775,975 |
2023-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is a formal request for a re-investigation of the accounts listed below. The previous items were claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or the company 's customer service representative.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | CT | 06042 | null | Consent provided | Web | 2023-07-13 | Closed with explanation | Yes | null | 7,240,145 |
2023-09-11 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | XXXX XXXX is reporting incorrectly on my consumer report. Per FDCPA its your responsibility to make sure all information you report is correct. These XXXX accounts are in direct violation and so is the consumer reporting agency. I received a 1099C Cancellation of debt on both of these accounts and per the IRS publication it is now considered income and income isn't reported on the consumer report. You will find the attached forms. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28227 | null | Consent provided | Web | 2023-09-11 | Closed with non-monetary relief | Yes | null | 7,527,312 |
2022-09-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX and Transunion credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/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. | CA | 90022 | null | Consent provided | Web | 2022-09-22 | Closed with non-monetary relief | Yes | null | 6,006,376 |
2023-01-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX to remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$9600.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX A ) XXXX XXXX : {$1400.00} XXXX XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again., | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MD | 20745 | null | Consent provided | Web | 2023-01-17 | Closed with non-monetary relief | Yes | null | 6,445,897 |
2019-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Notwithstanding allegations of fraudulent charges regarding XXXX XXXX account number XXXX, said creditor has failed to properly investigate and update the account reporting status at the XXXX, Experian and XXXX consumer reporting agencies. The failure to report said charges as fraudulent - or to delete the offending account - has caused a detrimental impact on credit scoring. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33181 | null | Consent provided | Web | 2019-08-07 | Closed with explanation | Yes | null | 3,340,739 |
2021-04-01 | 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 | Mid-South Adjustment has placed a {$0.00} collections amount on my XXXX credit score. They have inaccurate contact information for both address and telephone as required by law. | null | Mid-South Adjustment Co., Inc. | AR | 722XX | null | Consent provided | Web | 2021-04-01 | Closed with explanation | Yes | null | 4,265,518 |
2023-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
REMOVE ALL FRAUD ALERTS AND FRAUD MARKERS/INDICATORS FROM MY FILE | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 93703 | null | Consent provided | Web | 2023-03-22 | Closed with non-monetary relief | Yes | null | 6,731,799 |
2016-06-29 | Student loan | Federal student loan servicing | Dealing with my lender or servicer | Received bad information about my loan | After my Nelnet loans came out of forbearance following my graduation I was billed my initial payment of about {$700.00} on around {$70000.00} of student loans. I was unable to pay such a large monthly amount and submitted paperwork for income based repayment ; however I was still responsible for that first payment. I did not have the money to pay it so I opted to put my loan in forbearance until Nelnet processed the paperwork. The employee read the disclosure and it sounded like it said my interest would be added to my principle balance-I asked for clarification and was told that no-nothing on my account would change I just would n't have to make the payment so I agreed. The representative lied to me and the interest obviously was moved to my balance increasing my loan amount to about {$75000.00}. My recalculated payment ended up being $ XXXX/month. Each year I have to fill out a form to reassess my income based repayment amount ( many other loan companies have a form you fill out once, not annually ). While this paperwork was processing I once again ended up with a monthly payment of about {$800.00} -it 's conveniently higher now because I owe Nelnet more money because they lied to me-until my income based payment was reassessed. My new monthly payment is now {$200.00} a {$67.00} increase from last year which I can only assume is because I owe more money because my income has not increased from the last assessment and I still owe the {$800.00} payment. A representative once again tried to convince me to put my loan in forbearance, glossing over the fact it would add nearly {$10000.00} to my principle balance and when my loan is reassessed next year the payment would no doubt increase, not to mention the obvious-the amount I owe would go up to {$85000.00}. This representative was at least honest when I asked about my interest. I can not make this {$800.00} payment. There is no waiver of the payment and my only options are : pay money I do n't have, do n't make the payment and ruin my credit, or put my loan in forbearance and owe Nelnet even more money. There is no way to make a formal complaint at Nelnet. I feel like I was tricked into owing more money, representatives misinform and persuade customers into allowing their interest to capitalize, the annual paperwork only serves to create a month where customers are vulnerable to high payments and more likely to be forced to make a poor financial decision to protect themselves in the moment as well as their credit in the long term. Nelnet does not serve or care about their customers-they are only using them to continue to make money and increase their student debt. | null | Nelnet, Inc. | NE | 68106 | null | Consent provided | Web | 2016-06-29 | Closed with explanation | Yes | No | 1,992,144 |
2019-06-12 | 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 | Charge # 1 On XX/XX/2019 I mistakenly authorized a transaction for {$1400.00} to a company called XXXX.
Credit # 1 I notified CitiBank who then issued a security credit to my account on XX/XX/XXXX Charge # 2 On XX/XX/XXXX XXXX issued a credit to my account.
But Citibank posted the credit from XXXX as another CHARGE Credit # 2 XX/XX/XXXX Citibank issued a conditional credit after I called to complain.
Charge # 3 XX/XX/XXXX Citibank Reversed ( Charged ) {$1400.00} to my account again ( now the 3rd time ) and charged me {$72.00} as a transaction fee.
XX/XX/XXXX charged interest of {$1000.00} even though I continued to pay my bill in full each month. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | SC | 29455 | Older American | Consent provided | Web | 2019-06-12 | Closed with monetary relief | Yes | null | 3,272,252 |
2021-10-20 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | The company did not provide any details that I requested.
once again I request # 1 Itemized list of exactly what the damages were.
# 2 Prove to me that a written notification was sent notifying that I had outstanding charges BEFORE it was sent to collections. I WAS NEVER NOTIFIED.
# 3 PROVE to me that I am responsible for the damages. | null | Rent Recovery Solutions | AK | 996XX | null | Consent provided | Web | 2021-10-20 | Closed with explanation | Yes | null | 4,829,450 |
2017-12-07 | Checking or savings account | Checking account | Managing an account | Fee problem | Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | VA | 20111 | null | Consent provided | Web | 2017-12-13 | Closed with explanation | Yes | null | 2,749,195 |
2020-09-15 | Debt collection | I do not know | Attempts to collect debt not owed | Debt was already discharged in bankruptcy and is no longer owed | Midland Credit bought the debt after XXXX XXXX charged off. They have filed a case even though i told them i never signed with them nor do I owe them. I have the charge off papers from the courts where XXXX XXXX credit card wrote of the debt.
Now Midland credit opened a case and is threatening to garnish wages and take what little i do have for something not agreed upon with them | null | ENCORE CAPITAL GROUP INC. | FL | 347XX | null | Consent provided | Web | 2020-09-15 | Closed with non-monetary relief | Yes | null | 3,847,462 |
2017-08-01 | 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 | Please see the attached letters to XXXX XXXX XXXX XXXX, Equifax and XXXX. Here are the facts : 1 ) XXXX XXXX XXXX XXXX initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX my Chapter XXXX bankruptcy was XXXX along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured VISA credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at XXXX XXXX XXXX XXXX on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for XXXX XXXX XXXX XXXX. 8 ) Upon # 7, I pulled all 3 of my credit reports ( Equifax, XXXX and XXXX ). I was shocked to see that XXXX XXXX XXXX XXXX was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted Equifax, they told me I had to get XXXX XXXX XXXX XXXX to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both Equifax and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with XXXX XXXX XXXX XXXX. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to XXXX XXXX XXXX XXXX again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XX/XX/XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed. | null | EQUIFAX, INC. | CA | 92027 | null | Consent provided | Web | 2017-08-01 | Closed with explanation | Yes | null | 2,592,162 |
2023-08-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79912 | null | Consent provided | Web | 2023-08-23 | In progress | Yes | null | 7,446,484 |
2023-02-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/2022 I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX ( XXXX ) XX/XX/2022 XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this.
XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX I do not recognize this inquiry on my report. This was pulled from XXXX XXXX XXXX XXXX XXXX without my knowledge and I had to freeze and lock my credit report because of this. | null | Consumer Portfolio Services, Inc. | IL | 60628 | null | Consent provided | Web | 2023-02-15 | Closed with explanation | Yes | null | 6,577,140 |
2022-12-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Public record information inaccurate | In accordance with the fair credit reporting act XXXX account number # 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. States I have the right to privacy. 15 U.S.C 1681 Section 605 A Section 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. | null | EQUIFAX, INC. | MD | 21229 | null | Consent provided | Web | 2022-12-07 | Closed with explanation | Yes | null | 6,294,374 |
2017-06-29 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | Hello, I had a credit card that had a 0 % interest until XX/XX/XXXX ; on XX/XX/XXXX I paid it off in full. Or so I thought. I miscalculated and was short {$27.00}. Upon which, the company charge me the full interest of the total amount outstanding, which is over {$800.00}. That can hardly be right? | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 11238 | null | Consent provided | Web | 2017-06-29 | Closed with monetary relief | Yes | null | 2,562,220 |
2022-05-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 28269 | null | Consent provided | Web | 2022-05-26 | Closed with explanation | Yes | null | 5,601,992 |
2023-01-27 | Checking or savings account | Other banking product or service | Managing an account | Problem using a debit or ATM card | XX/XX/XXXX my social security was deposited into my chime account I had moved it from checking to my XXXX XXXX XXXX. I received a XXXX security alert saying someone was changing phone number to my XXXX to take care of securing my account before I could log in they changed email and password which I couldn't recover then locked me out of XXXX which was changed as well I couldn't recover account then I searched for phone number to XXXX and the number XXXX search results gave a phone number I called they answered XXXX support I explained they remotely was in my phone and went to XXXX pay which XXXX was linked to and went to my bank account and transfer money back into checking and then paid themselves from my account.i notified chime and they denied claim said I was apart of it but they never notified me that there was a transaction for XXXX was I trying to pay this person. So right in frt of my eyes it was gone and they won't give it back and I'm afraid it will happen again.. XXXX XXXX XXXX email all cards and no help they made fun of me crying | null | Chime Financial Inc | AL | 362XX | null | Consent provided | Web | 2023-01-27 | Closed with explanation | Yes | null | 6,494,676 |
2020-11-21 | 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 | I have contacted Experian to dispute several accounts due to identity theft. The first attemptat solving this issues was in XX/XX/2020. I received a letter stating the accounts were verifiedwithout any proof of verification nor my actual signature signing for the authorization ofthese accounts. Since Experian didn't take my concerns seriously I have since received anerroneous amount of inquiries have shown up my report as well. Based on the last letterreceived from Experian a human did not even bother to investigate my complaints. Theletter was very generic and nothing was done to correct the problem. Experian has violatedSection 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15U.S. Code 1681b, Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) & section 605B of theFair Credit Reporting Act ( FCRA ). I have attached all supporting documents for this claim.
Accounts in question : XXXX Account number XXXX XXXX Account number XXXX XXXX XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/2020 US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX Inquiry date : XX/XX/2020 NXXXX XXXX Inquiry date : XX/XX/2020 XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85035 | Servicemember | Consent provided | Web | 2020-11-21 | Closed with explanation | Yes | null | 3,968,057 |
2021-09-29 | Student loan | Federal student loan servicing | Dealing with your lender or servicer | Trouble with how payments are being handled | I have been working with FedLoans ( PHEAA ) to get several monthly payments counted as qualifying payments towards PSLF for several years.
Issue 1 : In XXXX and XX/XX/XXXX, my monthly payment due was $ XXXX/month. During XXXX and XX/XX/XXXX, my loans were transferred from XXXX XXXX to FedLoans, and I was placed in an administrative forbearance without my consent. Despite being in an administrative forbearance, I continued to pay my monthly {$0.00} per month even though no bill was generated. Therefore, I have been trying to get those two months counted as qualifying payments towards PSLF for over seven years.
I have contacted FedLoans about this issue with no resolution. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing.
Issue 2 : In XX/XX/XXXX, I requested that my then-current loan servicer, XXXX XXXX, apply a loan interest reduction under the Servicemembers Civil Relief Act ( SCRA ) since I was serving on XXXX XXXX in the XXXX XXXX XXXX XXXX In that letter, I specifically stated that I did not want to enter into a military forbearance. However, XXXX XXXX placed me into a military forbearance against my wishes. This caused my loans to be in a military forbearance from XX/XX/XXXX through XX/XX/XXXX. ( More info below ).
In XX/XX/XXXX, my loans were transferred to XXXX XXXX. In XX/XX/XXXX, I worked with XXXX XXXX to correct its mistake. XXXX XXXX requested that the Military Forbearance be removed from my account and that the $ XXXX/month ICR payments be counted toward PSLF.
Finally, in XX/XX/XXXX, FedLoans removed the military forbearance for the period of XX/XX/XXXX through XX/XX/XXXX. As a result, my qualifying payments were recalculated to include XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to count toward PSLF. However, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX were not counted as qualifying payments even though those were still {$0.00} ICR payments. I made several inquiries about why those three months were not counted, and I have never received an update.
I have contacted FedLoans about this issue with no resolution. I supplied copies of the paper work from XXXX XXXX to XXXX XXXX in that complaint. I then contacted the FedLoans Ombudsman after hearing nothing. I still have heard nothing. | null | AES/PHEAA | VA | 22207 | Servicemember | Consent provided | Web | 2021-09-29 | Closed with explanation | Yes | null | 4,763,207 |
2018-04-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX aXXXX XXXX placed a Charge off on my credit reporting statement despite the fact that they were paid off in full and I have records to prove that. The bank got paid the agreed amount of {$2300.00} dollars as a difference between the book value of the vehicle totaled and the balance on my auto loan. The bank sent me a letter to pay within 180 days and I complied by paying the balance in full. Yet the bank decided to place a CHARGE OFF on my credit report. Clearly this is fraud. According to XXXX search I found that When an account displays a status of charge off, it means the account is closed to future use, although the debt is still owed. The credit grantor may continue to report the past due amount and the balance owed. Clearly that is false. The bank was paid in full. | null | EQUIFAX, INC. | SC | 29732 | Servicemember | Consent provided | Web | 2018-04-03 | Closed with explanation | Yes | null | 2,863,277 |
2022-04-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | Here is the certified mail number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion has failed to complete an investigation that I have sent documented Letters to their office of my intent to sue if they did not remove you in accurate accounts pursuant of the FCRA.Im entitled to 100 % accurate credit report and Trans Union has failed to respond to certified mail that was sent to them. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33056 | null | Consent provided | Web | 2022-04-27 | Closed with non-monetary relief | Yes | null | 5,502,494 |
2023-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Sharing credit information with unauthorized parties, this isnt legal | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | PA | 196XX | null | Consent provided | Web | 2023-05-11 | Closed with explanation | Yes | null | 6,958,572 |
2022-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am submitting this CFPB complaint to follow up the most recent CFPB complaint I submitted to the Credit Bureaus requesting the immediate removal of the disputed accounts and information completely from my Credit file. Under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. I also sent a dispute letter to each of the Credit Bureaus on XX/XX/XXXX with complete attachments of my personal information as well as the IDTHEFT REPORT I received from the FTC. Once again, I am looking forward for the immediate removal of the following items completely from my Credit file : XXXX CARD XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Balance : {$86000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Bankruptcy : Dismissed XXXX Reference # : XXXX. If the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents bearing my signature. In the event that the Credit Bureaus can not prove the items ' validity, immediate deletion of the disputed items is appreciated. | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2022-10-13 | Closed with explanation | Yes | null | 6,076,878 |
2023-02-20 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | I made a payment of {$2200.00} on XX/XX/XXXX. As of today, that payment is not reflected in my available credit.
I spoke with a online chat and phone customer service representatives on XX/XX/XXXX and I was informed that my credit limit was frozen automatically. The fourth person I spoke to said that if you make any single payment greater than {$500.00}, it is held for 10 days. I asked, " if I made 5 payments of {$440.00} each instead of {$2200.00}, I would have {$2200.00} in available credit? '' And she said, yes.
This makes no sense. A ten day hold is outrageous considering they've had my money for at least 8 of those days. The 10 day hold harkens back to a time people were mailing in paper checks. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NY | 10065 | null | Consent provided | Web | 2023-02-20 | Closed with explanation | Yes | null | 6,595,960 |
2018-06-25 | Debt collection | Payday loan debt | Took or threatened to take negative or legal action | Collected or attempted to collect exempt funds | JPL has threatened to garnish my wages from a Online Loan from XXXX. The contract said that my interest rate was 179 % which equals to {$18000.00} for a {$1000.00} loan ... how is that legal? Also, XXXX XXXX the agent was asking very person questions that is non of her business.
Such as : Why would I get a loan?
Did I know about the details?
What was the loan for?
So JPL has called me work, my father, my mother and threatened them as well. Im happy to pay off the debt but I am not working with JPL. | null | JPL Recovery Solutions | CA | 92102 | null | Consent provided | Web | 2018-07-13 | Closed with explanation | No | null | 2,945,671 |
2023-02-21 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | On XX/XX/2023 I received an email that my Citi credit card was closed due to inactivity. This came as a shock to me because I had received no advance Notice that such closure was being considered. I was planning to use this card tomorrow to engage in a citi member presale for a concert tickets. I now have no ability to participate, my credit card is closed, I have no idea how this will impact my XXXX XXXX, and I have no way of reopening it in time to participate in the pre-sale. Ive included a screenshot of the statements section of my account, I received all of my statements electronically, and they should appear on the statements site. As you can see, there are no notices that indicate my account was going to be closed other than the day it was closed. I called citi bank and they apologized and said there was nothing they could do, they dont know why that happened, and advise that I would need to open up a new account. This is simply unfair, unjust, and deceptive to consumers. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | NY | 10028 | null | Consent provided | Web | 2023-02-21 | Closed with explanation | Yes | null | 6,599,306 |
2023-08-27 | Checking or savings account | Savings account | Managing an account | Funds not handled or disbursed as instructed | I was a victim of a fraudulent attack on my Wells Fargo savings account, where the scammer did the following : On XX/XX/2023 an unknown individual ( s ) fraudulently accessed my Wells Fargo bank accounts and unbeknownst to me, added an extra phone number to my profile. On the same date my email account was inexplicably flooded with thousands of emails from many different websites purporting to confirm that I had just subscribed to their news letters. To address this spamming email issue, I immediately began deleting emails at the rate of as many as 1000 emails per hour. I discussed this event with friends and family and no one suggested that I check my bank account.
On XX/XX/2023 some unknown individual ( s ) apparently logged into my account and ordered a wire transfer from my savings account in the amount of {$3600.00}. I do not know where or to whom this fraudulent wire was sent. After the wire was issued, Wells Fargo sent an email to my email account while I was away from my computer notifying me about the wire transfer. As soon as I saw that email, about 50 minutes after it was sent, I Immediately called the bank to alert them to the fraudulent transaction. The bank said they would make an effort to retrieve the funds which had been fraudulently transferred. The fraudulently wired funds were not retrieved by the bank nor did the bank provide the account number that the funds were transferred to nor dispute that it was a fraudulent transfer.
Upon further research of my records, I discovered that the XXXX email coming from my bank, notifying me that an extra phone number had been added to my account, was buried in that massive spamming subscription email attack of XX/XX/2023. It was clear that the spamming attack was designed to conceal the notification email. I did file a police report with the local police department.
The bank never texted to my primary phone number, the phone number that I personally set into my profile, any of the notifications that could allow me to prevent this theft.
The bank should have confirmed to my primary phone that a new phone number was attempting to be added.
Wells Fargo does not dispute that the wire was fraudulent nor has it provided any evidence that it was authorized by me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | AR | 71854 | Older American | Consent provided | Web | 2023-08-28 | Closed with monetary relief | Yes | null | 7,465,804 |
2020-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX XXXX XXXX {$120000.00} XXXXT XXXX {$120000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72019 | null | Consent provided | Web | 2020-07-02 | Closed with explanation | Yes | null | 3,726,526 |
2022-06-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | FCRA violations : accounts not mine XXXX Potentially negative Date opened XX/XX/XXXX Balance {$110.00} Status Closed. {$110.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2300.00} Status Account charged off. {$2800.00} written off. {$2300.00} past due as of XXXX XXXX.
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$180.00} Status Account charged off. {$180.00} written off. {$180.00} past due as of XX/XX/XXXX.
FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 774XX | null | Consent provided | Web | 2022-06-17 | Closed with explanation | Yes | null | 5,681,005 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I sent a letter on XX/XX/2022 to XXXX.
However the credit bureaus said they completed the investigation and everything was 100 % accurate.
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they talk to?
How did they complete this investigation? | null | EQUIFAX, INC. | OH | 43211 | null | Consent provided | Web | 2023-05-09 | Closed with non-monetary relief | Yes | null | 6,954,852 |
2023-04-15 | 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | GA | 30008 | null | Consent provided | Web | 2023-04-15 | Closed with non-monetary relief | Yes | null | 6,839,131 |
2023-01-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts.
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX Account number:XXXXXXXX XXXX Account number:XXXX XXXX XXXX Account numberXXXX, XXXXXXXX XXXX Account numberXXXXXXXX XXXX XXXX Account number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have right to privacy.
15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | null | EQUIFAX, INC. | TX | 78102 | null | Consent provided | Web | 2023-01-09 | Closed with explanation | Yes | null | 6,415,286 |
2022-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 19050 | null | Consent provided | Web | 2022-02-16 | Closed with non-monetary relief | Yes | null | 5,228,408 |
2022-01-20 | Checking or savings account | Checking account | Managing an account | Fee problem | The Truist Bank located at XXXX XXXX XXXX XXXX in XXXX North Carolina XXXX is abusing overdraft fees and incessantly charging customers unethically. Arranged configured alerts to notify customers of an overdraft are not being delivered timely and Truist is taking advantage of customers while offering no service or reasonable solution.
The Truist mobile and online banking platforms erroneously market and sell real time updated data availability to their customers but are lying and fraudulently selling this service. Truist then entraps customers in a repeated overdraft fee cycle while falling to honor established alerting notifications that allow a customer to rectify the balances.
" Truist online and mobile platforms do not reflect accurate accounting balances in line with what they market and sell. '' I was charged 5 consecutive {$36.00} dollar overdraft fees on the same day and time without a pre-configured and arranged alert message being received to notify me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRUIST FINANCIAL CORPORATION | NC | 270XX | null | Consent provided | Web | 2022-01-20 | Closed with explanation | Yes | null | 5,128,687 |
2022-09-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Consumer Financial Protection Bureau, Equifax is continuously noncompliance of the Federal Law, and keep violating my rights as consumer of this XXXX XXXX. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you | null | EQUIFAX, INC. | NY | 115XX | null | Consent provided | Web | 2022-09-01 | Closed with explanation | Yes | null | 5,942,121 |
2020-08-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | My credit report shows a hard inquiry from XXXX XXXX on XX/XX/2020 that I do not recognize. I would like this removed from my credit report.
Thank you. | null | CAPITAL ONE FINANCIAL CORPORATION | TX | 76544 | Servicemember | Consent provided | Web | 2020-08-20 | Closed with explanation | Yes | null | 3,805,060 |
2020-06-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I filed a dispute on XX/XX/2020 to two of the credit bureaus about inaccuracies on my credit report. It should on one report account open and on another the account was closed which is inaccurate information. I also show that the collection agency XXXX was report for the creditor XXXX XXXX XXXX now that I have filed a dispute the creditor has changed from XXXX to XXXX XXXX XXXX XXXX because it was reporting in accurate information on my credit file. I dont think this is right as a consumer you have the right to file a dispute on inaccurate information and it should be be deleted once the dispute was looked at I have proof that the creditor was using a collection agency but not the information has changed this is inaccurate and should be removed from my credit report. See attachment of the information I am claiming to be factual. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30236 | null | Consent provided | Web | 2020-06-11 | Closed with non-monetary relief | Yes | null | 3,693,297 |
2022-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | TX | 77545 | Servicemember | Consent provided | Web | 2022-06-09 | Closed with explanation | Yes | null | 5,652,278 |
2022-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Through XXXX I have asked multiple times for XXXX accounts that have been closed for some time now and were closed in good standing, to please be removed from my credit report all together. These account are not delinquent and have no reason to still be showing up. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TN | 37122 | null | Consent provided | Web | 2022-07-02 | Closed with explanation | Yes | null | 5,728,814 |
2022-08-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose | null | EQUIFAX, INC. | FL | XXXXX | null | Consent provided | Web | 2022-08-19 | Closed with explanation | Yes | null | 5,897,652 |
2022-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | The following accounts have violated my rights.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.
15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC1681c. ( 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 ante cedes the report by more than seven years.
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | VA | 23060 | null | Consent provided | Web | 2022-12-09 | Closed with explanation | Yes | null | 6,302,628 |
2022-01-18 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Hi, I went into XXXX XXXXXXXX XXXX XXXX XXXX XXXX to receive my Covid-19 vaccine, XXXX. I had a bad reaction XXXX 's first dose. I was told by the hospital I would not incur any medical charges due to the fact that it was a bad reaction to XXXX and they said XXXX would take care of the charges.
However, a year later I am still getting a charge from XXXX XXXX XXXX over the bill that was related to the Covid 19 vaccine. I had tried calling XXXX, but they outsource their call center to XXXX and they are not able to fix my issue without a contact person at XXXX XXXX 's XXXX XXXX XXXX. I was on hold trying to reach a supervisor, since they are the only ones able to fix the bill. I spoke to XXXX employee number XXXX.
I need them to fix the creditor issues and the bill since it was related to the Covid 19 vaccine. | null | Kriya Capital, LLC | CA | 90068 | null | Consent provided | Web | 2022-01-18 | Closed with non-monetary relief | Yes | null | 5,121,376 |
2018-05-08 | Debt collection | Credit card debt | Communication tactics | You told them to stop contacting you, but they keep trying | both XXXX and XXXX have called me after explaining to them that needed to reach XXXX XXXX XXXX that I am working through. I have been requested from the XXXX XXXX XXXX to change my phone over to them.
Both 800 number have called my cell number so many times that it is costing me money and now they are harassing my work place.
I have contacted XXXX XXXX XXXX about them calling my work number too.
Again, I have asked these two 800 numbers to reach my XXXX XXXX XXXX Counselor who is working with me. | null | CAPITAL ONE FINANCIAL CORPORATION | AK | 99801 | null | Consent provided | Web | 2018-05-14 | Closed with explanation | Yes | null | 2,900,077 |
2022-04-30 | 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 U.S.C 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 2 : it also states 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 other adverse item of information, other than the records of convictions of crimes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | OH | 43068 | null | Consent provided | Web | 2022-04-30 | Closed with explanation | Yes | null | 5,520,868 |
2023-03-04 | Checking or savings account | Checking account | Managing an account | Banking errors | I filed an EFT Dispute on XXXXXXXX XXXX, XXXX, TX requesting a full refund of a federally protected Administrative Fee of {$150.00} the apartment manager charged to my account, after denying my application. Federal consumer financial protection laws prohibit apartment complex owners and managers from keeping administrative fees after denying an application to lease. Frost granted a provisional credit, then reversed it taking the money out of my account. I am now overdrawn and have sent an EFT dispute demanding that they immediately return the funds to my account. I further reported that I would file this dispute with CFPB. | null | CULLEN/FROST BANKERS, INC. | TX | 75093 | Older American | Consent provided | Web | 2023-03-04 | Closed with explanation | Yes | null | 6,645,823 |
2018-04-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am a victim of identity theft. Several years ago my office was broken into and several identity documents were stolen. After the identity theft several accounts were applied for and/or opened in my name without my knowledge or consent. I filed a police report and have attached a copy of it to this complaint. I ordered my XXXX report and found the inquiry below which was not authorized by me : Clarity Services on behalf of XXXX XXXX XXXX Date : XX/XX/2018 | null | Clarity Services | NY | XXXXX | null | Consent provided | Web | 2018-04-15 | Closed with explanation | Yes | null | 2,875,922 |
2021-11-24 | Debt collection | Other debt | Attempts to collect debt not owed | Debt was result of identity theft | XXXX XXXX XX/XX/2020 {$130.00} | null | Self Financial Inc. | GA | 30238 | null | Consent provided | Web | 2021-12-10 | Closed with explanation | Yes | null | 4,943,637 |
2017-04-14 | Debt collection | Medical | Disclosure verification of debt | Right to dispute notice not received | Shortly after having imaging the Insurance requested more information. The requested documentation was sent in a timely manner. I noticed this debt appeared on my credit report in around XX/XX/XXXX XX/XX/2017 when I had a credit report ran. When I contacted the debt collector ( collection bureau of XXXX ) they said it was never paid. I then contacted my previous health insurance company ( XXXX ) they said they see on there end where they did receive the requested information from me but somehow it was never sent to XXXX to be paid. They admitted it was there mistake, apologized and then said they are no longer contracted with my previous employer ( institute for family health ) so the ca n't do anything about the claim at this point. Last I spoke with my insurance they said they received all needed information and claim would be paid. Now I have this debt that I may have never known about if I would of never had my credit report ran. | null | Collection Bureau of the Hudson Valley, Inc. | FL | 33755 | null | Consent provided | Web | 2017-04-14 | Closed with explanation | Yes | No | 2,433,321 |
2020-11-25 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | Hello my name is XXXX XXXX on XX/XX/2020 my claim number is XXXX I contacted Bank of America after realizing my card was not in Possession I contacted the bank told them to send me another card after seeing transactions on my account I was then told to contact the claims team after the transactions posted I then contacted the claims teams for those transactions, I find it unfair to me as a customer to know that I can not count on Bank of America stating that they can not find fraud after me calling Bank of America to let them know that my card was out of my possession I have another bank account that I'm normally transferring money into and using so sometimes I don't even use my Bank of America card I also have a XXXX XXXX account so I am confuse and how Bank of America can't find fraud on my account Bank of America can't determine that my card was lost and also to tell me that my spending habit is the same As the person who use my card that not right at all that is hurtful and disgusting as a company and after my claim is approved I will be closing out my account you guys are horrible at all protecting my account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33027 | null | Consent provided | Web | 2020-11-25 | Closed with explanation | Yes | null | 3,974,194 |
2020-09-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have contacted both XXXX and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by XXXX that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77433 | Servicemember | Consent provided | Web | 2020-09-11 | Closed with explanation | Yes | null | 3,841,908 |
2019-06-01 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XXXX XX/XX/XXXX I requested a refund of {$3000.00} from from XXXX XXXX of XXXX.
After noticing that the amount was not refunded to my account. I filed a dispute with Chase bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX.
Subsequently I was told the refund was inadvertently made to one of my Chase cards but refund had exceed the this card amount as just the amount was kicked back XXXX XXXX of XXXX on XX/XX/XXXX.
Since then I have in contact with both XXXX XXXX and Chase bank but both companies state that neither one of has the funds.
To date I haven't received my refund. | null | JPMORGAN CHASE & CO. | CT | 066XX | null | Consent provided | Web | 2019-06-01 | Closed with explanation | Yes | null | 3,261,248 |
2019-03-05 | Debt collection | Medical debt | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | CMRE contacted my sister about my debt XX/XX/XXXX @ XXXX expressing to her that they were going to report the debt to my credit report and they would next garnish my wages she explained that I was not home but the rep insisted that she was in fact me I then called them and they said they were sorry the last rep did that but would I like to set up payments I explained to them this isnt correct and they needed to verify this incorrect bill | null | CMRE Financial Services, Inc. | CA | 925XX | null | Consent provided | Web | 2019-03-05 | Closed with explanation | Yes | null | 3,169,526 |
2021-12-03 | Debt collection | Other debt | False statements or representation | Attempted to collect wrong amount | I spoke to a XXXX ( XXXX XXXX ) representative in XXXX of 2021 and requested a quote only for TV and internet services. I specifically stated that I did not wish to engage those services.
However, a few weeks later a box of equipment ( which still sits unopened ) arrived followed shortly by bills for cable TV service. I immediately contacted XXXX but was unable to connect to anyone that could correct the problem. On two subsequent occasions I called XXXX, each time waited on hold for over thirty minutes, never able to inform XXXX that they had made a mistake. Further, neither the bills or the XXXX website has an email address that I could write to inform them of their mistake.
{$520.00} of charges for services and fees have been sent to Amsher collection from XXXX XXXX ( XXXX XXXX ) which now appears as a collection on my credit report. These charges are fraudulent, because I never requested those services and never received those services. | Company believes it acted appropriately as authorized by contract or law | Amsher Collection Services, Inc. | TX | 78253 | null | Consent provided | Web | 2021-12-03 | Closed with explanation | Yes | null | 4,972,438 |
2018-01-08 | 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 | XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX TransUnion, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos.
XXXX-XXXX Inquiry from XX/XX/XXXX + Telephone Companies Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33040 | null | Consent provided | Web | 2018-01-08 | Closed with explanation | Yes | null | 2,775,087 |
2018-03-15 | Checking or savings account | Checking account | Managing an account | Banking errors | XX/XX/XXXX To : Bank of America From : Complainant XXXX XXXX Re : Stolen Funds {$78000.00} ( 20 % compounding interest ) plus {$100.00} late fee/month, personal time $ XXXX/hour, gas expense {$150.00} I have submitted numerous complaints against Bank of America and XXXX XXXX XXXX regarding theft XXXX XXXX stole my bank accounts and cash my two checks WITHOUT my consent at all. As I stated numerous time to both banks, law enforcement, CFPB, FTC as well as all other law enforcement, court etc. that I do NOT know theft XXXX XXXX at all. I NEVER authorized this theft to do anything on my behalf. However under my numerous times complaints to all kinds of law enforcement agency and court to collect my stolen funds, until now 5 years passed this theft continue to hold my funds without return. I do NOT know why this theft can escape justice system without going to jail. According to the amount she owed me, she should go to federal jail for at least 20 years plus life time restraining order against this theft not to access, release, threat, harass, stalk to myself and my personal information.
On XX/XX/XXXX theft XXXX XXXX illegally withdraw {$9800.00} from my bank of America accounts. She has used my name to withdrawl the funds and then closed all my accounts without my consent at all. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at all. She also ordered the bank to send my monthly statement to her address without my consent.
On XX/XX/XXXX theft XXXX XXXX illegally withdrawl {$68000.00} from my XXXX XXXX account without my consent. She has used my name to fill out the withdrawl slip. And she signed her name at the bottom of the withdrawl slip. ( See evidence ). After she withdrawl my funds, she illegally closed my account without my consent. She illegally obtained all my personal information such as social security number, date of birth, address, phone number as well as all other personal identities. Subsequently she used my funds opened new account by using my name and my identities without my consent at ll. She also ordered the XXXX XXXX to send my monthly statement to her address without my consent.
In XX/XX/XXXX theft XXXX XXXX obtained two checks each was {$370.00} total {$750.00}. Two checks were paid to me with my name on the checks. Two checks were issued by XXXX XXXX XXXX. She endorsed on the back of the checks when she went to the bank to make deposit without my consent at all. She illegally obtained all my mail and transferred my mail to her address. I have post office letter as evidence showing she is a mail theft.
In XX/XX/XXXX she caused me extra {$150.00} loss because she closed my Bank of America accounts causing all my paid checks to the county to be bounced. I have sent my payment before due date, however due to closed accounts caused by her it caused me extra {$150.00} loss.
XXXX XXXX XXXX still owe me {$9.00} because the check was cashed by someone else. I have asked XXXX XXXX to return, until now this amount was never returned.
Due to the above facts and all evidence such as withdrawl slip, bank letter, police report, FTC identity theft report. I am asking Theft XXXX XXXX to go to federal jail 20 years. Bank of America and XXXX XXXX XXXX should return the following : All stolen principle : {$68000.00} plus {$9800.00} plus {$750.00} plus {$150.00} plus {$9.00} total : {$79000.00}. She returned {$57000.00} until XX/XX/XXXX. The difference was {$21000.00}.
Because original matter was caused by XXXX XXXX XXXX county when I report burglary. Therefore I have to charge 20 % compounding interest on the daily basis.
Two banks owe me : 1. 1st year : Principle {$21000.00} plus interest {$15000.00} XXXX she used my funds {$79000.00} for whole year from XX/XX/XXXX to XX/XX/XXXX ). 1st year she owed me {$37000.00} 2. 2nd year : Principle {$37000.00} plus interest {$7500.00} total {$45000.00} 3. 3rd year : Principle {$45000.00} plus interest {$9000.00} total {$54000.00} 4. 4th year : Principle {$54000.00} plus interest {$10000.00} total {$65000.00} 5. 5th year : Principle {$65000.00} plus interest {$13000.00} total {$78000.00} I have spent 10 trips to go to three banks to collect stolen funds from XXXX to current. Bank of America 2 times in XX/XX/XXXX. XXXX XXXX XXXX 5 times from XXXX to XXXX. And XXXX XXXXXXXX XXXX 3 times from XXXX to current. I am charging {$300.00} per hour my personal time for at least 15 hours. Late fee {$100.00} per month since I notified bank since XXXX. My gas expense {$100.00} to collect stolen funds.
I HAVE FILED POLICE REPORT IN XXXX. I HAVE NOTHING TO DO WITH THIS THEFT AT ALL. I ALSO HAVE TWO COPIES OF CANCELED CHECKS FROM XXXX XXXX SHOWING SHE CASHED MY CHECKS WITH MY NAME ON THE CHECKS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MD | 206XX | null | Consent provided | Web | 2018-03-15 | Closed with explanation | Yes | null | 2,844,531 |
2022-04-11 | 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 | I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account.
Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree.
-If you question the results of our dispute process, you may also contact the furnisher of information directly.
I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to Buyers Holdings , LLC.
I then filed a complaint against Buyers Holdings , LLC on XX/XX/2022 CFPB Complaint ID # XXXX and Buyers Holdings , LLC stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line. | null | Novea Portfolio Management LLC | CA | 94565 | null | Consent provided | Web | 2022-05-02 | Closed with explanation | Yes | null | 5,433,710 |
2021-11-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter to this company, XXXX XXXX XXXX XXXX, on XX/XX/2021 to cease and desist communication with me. They replied saying they would cease communication in regards to " account ending in XXXX ''. However even after receiving this letter they have harassing me by calling me at all hours of the day and stressing me out. They are continuing to communicate to the credit reporting agencies and damaging my reputation. I never gave this company permission in any form to communicate with me. Yet they still are communicating to the credit reporting agencies and both directly and indirectly communicating with me. I stated in my Cease & Desist letter that I did not authorize them to do so. It has been very stressful for me because I'm in the process of purchasing a home and this account on my credit report is not legally suppose to be there. The FCRA has afforded me legal protections from predatory companies like XXXX XXXX XXXX XXXX and I would like them to follow the law and remove this account from any and all credit report agencies. Experian is reporting information on my credit report that is not lawfully suppose to be there. According to the FCRA I never gave written, oral or electronic permission for this information to be furnished. Furthermore this account is not validated by the original creditor. I do no validate this debt. The reporting of this account is a violation of my FCRA rights. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 91762 | null | Consent provided | Web | 2021-11-17 | Closed with explanation | Yes | null | 4,922,630 |
2023-04-20 | 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 and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DE | 19720 | null | Consent provided | Web | 2023-04-20 | Closed with non-monetary relief | Yes | null | 6,867,775 |
2022-04-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34234 | null | Consent provided | Web | 2022-04-07 | Closed with non-monetary relief | Yes | null | 5,421,807 |
2021-10-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I sent a letter regarding inaccurate info and unknown things being on my credit report to Equifax 60 days ago.I have not received as response yet and seems as if my disputes being ignored | null | EQUIFAX, INC. | SC | 29303 | null | Consent provided | Web | 2021-10-12 | Closed with explanation | Yes | null | 4,802,042 |
2019-05-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts.
XXXX ) XXXX XXXX XXXX- opened- XX/XX/XXXX ( 6 yrs, 4 mos ) amount {$0.00} 2 ) XXXX XXXX- opened- XX/XX/XXXX ( 2 yrs, 5 mos ) amount {$280.00} 3 ) XXXX XXXX -opened- XX/XX/XXXX ( 7 mos ) amount {$550.00} | null | EQUIFAX, INC. | NY | 11207 | null | Consent provided | Web | 2019-05-11 | Closed with non-monetary relief | Yes | null | 3,239,307 |
2021-12-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85122 | null | Consent provided | Web | 2021-12-23 | Closed with non-monetary relief | Yes | null | 5,039,207 |
2022-10-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | After reviewing my recent credit Reports XX/XX/XXXX ; I noticed for the third time deficiencies of reporting and inaccurate information on XXXX and XXXX credit reports in violation of the Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is NOT my address ; I never lived there! I have filed an identity theft report regarding this address. ( please see attached ) Additionally I respectfully request a proper investigation of UPDATED XX/XX/XXXX XXXX XXXX individual account Balance {$3000.00} having no Account number, on XXXX Credit Report.
I AM NEVER LATE on my verified accounts and I am entitled to 100 % accurate reporting on all my credit reports with the credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reported to companies and please see attached FTC Identity theft report. Im concerned my personal information may have been breached in a data breach. I HERE NOW EXERCISE my consumer RIGHTS to DEMAND that ONLY FACTUALLY PERFECT TRUE CORRECT VERIFIED VALIDATED CLAIMS that are CERTIFIED COMPLIANTLY be REPORTED. SINCERE THANKS FOR YOUR TIME AND ATTENTION. | null | EQUIFAX, INC. | TX | 77406 | null | Consent provided | Web | 2022-10-04 | Closed with explanation | Yes | null | 6,045,167 |
2020-07-21 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | On XX/XX/20 I received a inquiry on my Equifax credit report from XXXX XXXX and XXXX XXXX XXXX XXXX. These inquires came after personal items were stolen on XX/XX/20 and were not made my me. I filed a dispute with Equifax and also tried to reach out to XXXX XXXX and XXXX with no success. | null | EQUIFAX, INC. | AZ | 85281 | null | Consent provided | Web | 2020-07-21 | Closed with explanation | Yes | null | 3,756,451 |
2015-03-30 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | This is a formal complaint against Nationwide Credit Corporation, NCC in XXXX, VA. I have been contacted XXXX times on my personal cell phone, during business hours ( typically between XXXX XXXX and XXXX XXXX XXXX ). Despite repeated requests to cease and desist, the calls persist. I notified them that my benefits provider was conducting an investigation ( That the matter had been resolved as of XXXX ). If they had questions, I was instructed to tell them to talk to XXXX XXXX ( benefits provider ). Despite this, I received the latest call this morning from XXXX XXXX at Nationwide Credit Corporation ( NCC ) yet again. I notified them at this call that I would be formally submitting a complaint for harassment. | Company chooses not to provide a public response | Nationwide Credit Corporation | VA | 220XX | null | Consent provided | Web | 2015-03-30 | Closed with explanation | Yes | No | 1,307,023 |
2021-04-29 | Vehicle loan or lease | Loan | Getting a loan or lease | Fraudulent loan | I tried on numerous occasions to talk with someone pertaining to the Santander settlement. I have been patient and I would like this account closed and deleted according to the Pennsylvania Santander Settlement and also The FCRA. | null | Santander Consumer USA Holdings Inc. | PA | 170XX | Servicemember | Consent provided | Web | 2021-04-29 | Closed with explanation | Yes | null | 4,335,692 |
2022-12-06 | Checking or savings account | Checking account | Opening an account | Account opened as a result of fraud | Hi, Today I received a debit card through the mail from Square. The debit card was in my name and registered to a business XXXX. I called Square and they have cancelled the card and suggested I alert law enforcement. I was given an email of XXXX for any necessary support in the investigation.
Thanks XXXX | null | Block, Inc. | NC | 275XX | null | Consent provided | Web | 2022-12-29 | Closed with explanation | Yes | null | 6,281,362 |
2020-06-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX XXXX, XXXX XXXX, 2020, XXXX XXXX XXXX XXXX XXXX XXXX, 2020, * XXXX XXXX XX/XX/XXXX, 2020, and XX/XX/XXXX,2020. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33027 | null | Consent provided | Web | 2020-06-09 | Closed with non-monetary relief | Yes | null | 3,690,869 |
2022-07-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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. | IL | 60914 | null | Consent provided | Web | 2022-07-20 | Closed with non-monetary relief | Yes | null | 5,788,634 |
2019-05-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 76018 | null | Consent provided | Web | 2019-05-28 | Closed with explanation | Yes | null | 3,254,952 |
2017-12-18 | Debt collection | Medical debt | Communication tactics | Frequent or repeated calls | Repeated calling and not working with us on the payment | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SCA Collections, Inc. | NC | 270XX | null | Consent provided | Web | 2017-12-18 | Closed with explanation | Yes | null | 2,757,953 |
2017-08-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I paid my car off on XXXX XXXX, 2017 with XXXX XXXX XXXX.
The Credit reporting agencies are reporting that my account is in delinquent/collection charge off and that I owe this company {$43.00}.
This is not true. I have contacted all three credit reporting agencies and XXXX XXXX XXXX. I have submitted accurate PAID IN FULL information to all crediting reporting agencies and they still tell me XXXX XXXX XXXX is still reporting 38 days later that my account is deliquent and a collection charge off. WHICH IS FALSE reporting from all credit reporting agencies and the company I had my car loan with. It is damaging my credit I have worked so hard to rebuild after my bankruptcy discharge. I was promised by all three reporting agencies and the company .. that it would change it to a paid in full tradeline and it has been over a month and nothing has been changed. This has affected me financially and has affected getting my children proper college loans for their college needs which starts in four days.
Somebody please help me im at my wit 's end.
Someone please do something!!!! | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 115XX | null | Consent provided | Web | 2017-08-25 | Closed with explanation | Yes | null | 2,650,487 |
2016-04-06 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | I had my {$490.00} payment on auto withdrawal from my account every month on the XXXX. Unfortunately, this setup only lasts for one year increments for some reason. I called Navient last month to tell them to keep my payments on the XXXX of every month because that worked for me. I just happened to check my bank account this morning and saw the payment came out on the XXXX instead. It 's my understanding that it 's illegal to withdraw an unauthorized debit from an account. I called Navient and they said they would n't have done that and will be reviewing the tapes and get back to me. I know for a fact I asked to keep my payments on the XXXX of every month because that works for me. Now I need to find another way to make rent this month because my NEXT paycheck should be going towards my student loans. | null | Navient Solutions, LLC. | NJ | 07302 | null | Consent provided | Web | 2016-04-06 | Closed with explanation | Yes | No | 1,866,957 |
2022-10-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights.
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy.
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33068 | null | Consent provided | Web | 2022-10-13 | Closed with non-monetary relief | Yes | null | 6,081,430 |
2022-11-06 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | Some debt collection are trying to collect money from me theyre called National Credit Systems . I have never signed any documents, contract, or even agree to pay anything from them. And it is hitting my credit very hard | null | National Credit Systems,Inc. | GA | 30458 | null | Consent provided | Web | 2022-11-06 | Closed with explanation | Yes | null | 6,167,557 |
2020-10-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | i have disputed with you many times inaccurate information and unverified that is holding me back from getting a new vehicle | 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 | 2020-10-30 | Closed with explanation | Yes | null | 3,928,954 |
2018-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been engaged in dispute with XXXX XXXX XXXX XXXX, XXXX, and Trident Asset Management since XX/XX/2016. The are negative accounts. However, I believe they have been reporting negatively without following the guidelines of consumer protection laws like the FCRA and the FDCPA. | Company believes it acted appropriately as authorized by contract or law | Trident Asset Management, L.L.C. | VA | 23451 | null | Consent provided | Web | 2018-03-09 | Closed with explanation | Yes | null | 2,837,884 |
2023-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 63108 | null | Consent provided | Web | 2023-05-30 | Closed with explanation | Yes | null | 7,041,838 |
2022-05-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | i went to the dealership and they said they will only have XXXX pull my credit but they had cXXXX XXXX do XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | OH | 44128 | null | Consent provided | Web | 2022-05-20 | Closed with explanation | Yes | null | 5,585,697 |
2018-07-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I received a credit card and never used it. Not even once. The card was used by someone else. I did not realize this till I recently reviewed my credit report. XXXX XXXX will not remove it | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WA | 98499 | null | Consent provided | Web | 2018-07-16 | Closed with explanation | Yes | null | 2,963,675 |
2023-04-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Hello, I am writing to dispute several violations of federal laws committed by the creditor regarding my credit report. I am extremely frustrated and emotionally distressed due to the negative impact these violations have had on my life.
My correct name is XXXX XXXX but bureaus are reporting it as a XXXX, XXXX XXXX, XXXX, XXXX Also my current address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Arkansas XXXX, But bureau reported that I have many addresses like XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AR XXXX. And My wrong Employers is XXXX XXXX XXXX, XXXX, XXXX XXXX.
The creditor has reported inaccurate information on my credit report, including multiple addresses that I have never lived at. These inaccuracies have affected my credit score, and have made it difficult for me to obtain credit and loans at reasonable rates. The creditor has violated several federal laws including : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681e ( b ) - This section requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report. The inaccurate reporting of multiple addresses may be a violation of this section.
Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692e - This section prohibits debt collectors from using false, deceptive, or misleading representations in the collection of a debt. Reporting inaccurate addresses may be a violation of this section if the debt collector knew or should have known that the information was false or misleading.
Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 6821 - This section requires businesses to implement reasonable policies and procedures to protect sensitive consumer information from unauthorized access or disclosure. The failure to protect sensitive consumer information resulting in inaccurate reporting of multiple addresses may be a violation of this section.
Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. - This law requires lenders to provide borrowers with certain disclosures about credit terms and costs. While the reporting of multiple addresses is not a direct violation of TILA, it may be a violation if the incorrect reporting is tied to an inaccurate disclosure of credit terms or costs.
Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S.C. 2601 et seq. - This law requires mortgage lenders to provide certain disclosures to borrowers and prohibits certain practices, such as kickbacks for referrals. Reporting incorrect addresses could be a violation of RESPA if it is tied to a failure to provide required disclosures or if it is tied to a kickback scheme.
Equal Credit Opportunity Act ( ECOA ) - 15 U.S.C. 1691 et seq. - This law prohibits lenders from discriminating against borrowers on the basis of certain protected characteristics, such as race, gender, or age. Reporting incorrect addresses could be a violation of ECOA if it results in a lender using inaccurate information to make a discriminatory decision.
Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 et seq. - This law requires credit card issuers to provide certain billing error resolution procedures to cardholders. While the reporting of multiple addresses is not a direct violation of the FCBA, it could be a violation if it is tied to a failure to properly handle a billing error dispute.
These violations have caused me significant financial harm and emotional distress. I have been denied credit and loans, and have been forced to pay higher interest rates due to the inaccurate reporting. It has also caused me significant stress and anxiety, as I feel like my financial security and future opportunities have been compromised.
I request that you enforce the legal provisions that have been violated, and that the creditor be required to remove the unverified accounts from my credit report. I also request that the creditor be held accountable for the financial and emotional harm they have caused me.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AR | 720XX | null | Consent provided | Web | 2023-04-13 | Closed with non-monetary relief | Yes | null | 6,837,335 |
2022-01-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to Equifax which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 1. Addresses : XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX 2. Phone number : XXXX XXXX. XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX 12. XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | VA | 237XX | Servicemember | Consent provided | Web | 2022-01-26 | Closed with explanation | Yes | null | 5,150,347 |
2017-11-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Hello- I have a student loan with Navient XXXX The account is reporting on my credit report twice. One I am paying and is current on and another that is closed. On XXXX XXXX, XXXX, I went thru the loan rehabilitate program with XXXX XXXX XXXX XXXX. I successfully completed the program after making 9 on time payments. The loans were to be set to good standing and the late payments were to be deleted and I was to have a clean slate with the loan servicer. Navient closed the old loan and left the late payments on my credit report and added a new loan with perfect payment history. They should have deleted the old loan and they never did. So I have the same loan being reported on my credit report twice. They both have the same date as XXXX. I am requesting that the old loan be deleated from all 3 credit files.
Thanks! | null | Navient Solutions, LLC. | CA | 90717 | Servicemember | Consent provided | Web | 2017-11-19 | Closed with explanation | Yes | null | 2,733,246 |
2023-05-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, Equifax, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration.
XXXX XXXX | null | EQUIFAX, INC. | NY | 11520 | null | Consent provided | Web | 2023-05-30 | Closed with non-monetary relief | Yes | null | 7,045,434 |
2023-02-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This problem is with the reporting a negative item by XXXX XXXX XXXX XXXX.
This IS NOT in dispute of the accuracy of the information provided by company. This IS NOT in dispute of any information used as verification.
This dispute is in accordance to the FCRA violation of 15 U.S code 1681A ( 2 ) ( a ) ( i ) which states : 1681A Definitions ; rules of construction ( 2 ) exclusion ( a ) a consumer report SHOULD NOT include any_ ( I ) Report containing information as solely to transaction or experience between consumers and persons The attached documents show that this account is a transactional account ( deposit checking overdraft ) and does not report within the FCRA guidelines. This the type of account that this law was put in place for. | null | EQUIFAX, INC. | GA | 310XX | null | Consent provided | Web | 2023-02-18 | Closed with explanation | Yes | null | 6,588,766 |