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2023-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair credit reporting act convergent Accounts CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
CREDITOR / COLLECTOR : XXXX XXXX XXXX XXXX XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
CREDITOR / COLLECTOR : XXXX XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
CREDITOR / COLLECTOR : XXXX XXXX XXXX Account:XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
CREDITOR / COLLECTOR : XXXX Account : XXXX BALANCE : {$0.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
CREDITOR / COLLECTOR : XXXX Account:XXXX : BALANCE : {$590.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
CREDITOR / COLLECTOR : XXXX XXXX Account:XXXX : BALANCE : {$310.00} [ This account is listed as belonging to me, but I did not open this account, and had no idea that this account was opened until I discovered it being listed in my credit file. This account is not mine, and I did not authorize anyone to open this account.
The Credit bureaus stated that my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is accurate. This ground for removal the also violated my rights under 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.
Also the Credit bureaus took more than 30 days to complete my investigation. | null | EQUIFAX, INC. | CA | 92571 | null | Consent provided | Web | 2023-04-11 | Closed with explanation | Yes | null | 6,825,368 |
2021-12-20 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt was paid | This company did not have permissible purpose to furnish anything on my consumer report. I did not give this company my written instructions to furnish anything on my consumer report. Furthermore, I did not engage in any consumer credit transaction with this company therefore they should not have any of my information. They have infringed upon a consumers right to privacy by obtaining my information without my consent. Moreover, the account is with XXXX XXXX XXXX, which contains a finance charge and a finance charge is the sum of all charges, thus this account was paid in full when the company obtained my credit card ( social security number ). Under federal law, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This account shall not contain a balance nor should it be listed as a collection/charge-off account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | NJ | 082XX | null | Consent provided | Web | 2021-12-20 | Closed with explanation | Yes | null | 5,026,999 |
2023-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 273XX | null | Consent provided | Web | 2023-07-12 | Closed with non-monetary relief | Yes | null | 7,239,294 |
2022-09-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | 30134 | null | Consent provided | Web | 2022-09-12 | Closed with non-monetary relief | Yes | null | 5,970,450 |
2020-09-08 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I C System is a collection agency reporting 2 debts on my CBR.
XXXX XXXX which was paid in full to XXXX XXXX prior to my XXXX in XXXX.
Another is for XXXX XXXX XXXX XXXX which shows opened while I was in the XXXX XXXX XXXX XXXX in XXXX. Not possible to get a cell phone account in XXXX.
I have contacted IC System to validate both debts on numerous occassions and have never received a response. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | CO | 80229 | Servicemember | Consent provided | Web | 2020-09-08 | Closed with explanation | Yes | null | 3,836,252 |
2017-11-07 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Information is incorrect | I understand that companies can obtain results of credit, criminal and background check instantly with the applicant 's permission. However, when there is incorrect reporting causing the applicant adverse effects they in return must wait up 30-45 days for a decision or correction by companies equipped to respond sooner than the specified time or 30-45 days, what is the reasoning behind this concept? In the age of technology when most companies are tech savvy or have their daily functions automated with various template options why does it take the consumer to whom the report is about longer than the 3rd party for a solution?
With regards to the dispute of an incorrect item being reported, why are companies allowed to dissect the protected rights of the consumer applicant? According to the FCRA upon a dispute of an incorrect item, this account line must be removed until a decision is rendered to be accurate or inaccurate, however, that is not whats happening. In fact, what is being stated is that it will remain on the report but no adverse action will take effect until the investigation is complete? If companies are allowed to render their own interpretation of the law, how do I remove my credit history and opt out of credit reporting all together? The law is supposed to be a protection for both parties and in fact, it has taken a favorable tilt, rather deep dip towards corporations. There is no fairness in that.
Companies must be penalized for reporting inaccurately and the severity should be weighed on the duration of time it takes for companies to accurately correct or report appropriately ; just as a consumer is penalized for not honoring their end of the agreement. Both sides should equally be held accountable equally. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CORELOGIC INC | GA | 30016 | null | Consent provided | Web | 2017-11-07 | Closed with explanation | Yes | null | 2,723,449 |
2019-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | For the last 3 years I have been dealing with XXXX and Equifax continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter 7 Bankruptcy Discharge in XXXX.
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least.
The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail.
The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows.
1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX- {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX- {$0.00} XXXX Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXXXXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy ) | null | EQUIFAX, INC. | NH | 030XX | null | Consent provided | Web | 2019-06-16 | Closed with explanation | Yes | null | 3,276,708 |
2020-07-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 601XX | null | Consent provided | Web | 2020-07-02 | Closed with explanation | Yes | null | 3,726,290 |
2019-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded.
XXXX are reporting the following fraudulent accounts : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX Equifax and XXXX are reporting the following fraudulent accounts : XXXX XXXX , XXXX , XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond. | null | EQUIFAX, INC. | FL | 33025 | null | Consent provided | Web | 2019-03-09 | Closed with non-monetary relief | Yes | null | 3,174,648 |
2022-04-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX {$29.00} Date XX/XX/2018 acct endin XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 34953 | null | Consent provided | Web | 2022-04-10 | Closed with explanation | Yes | null | 5,430,594 |
2023-04-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have continuously been disputing with XXXX, Equifax & XXXX, information that continues to be reported incorrectly causing severe damage to my credit. All 3 bureaus knowingly and negligently continue to report negative information on 4 accounts that I have many times informed them and provided proof that these accounts have been either paid in full or settled in full so therefore should no longer be on my credit report nor should they reporting negatively and they continue to report negatively. The following accounts are the accounts in reference. XXXX # XXXX was sent to court and PAID IN FULL IN THE AMOUNT {$910.00}, and the others have been SETTLED IN FULL XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX. I have been fighting them for 3 years now and they are refusing to remove. Per the FCRA 15 U.S.C. 1681s-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.
( B ) Reporting information after notice and confirmation of errors.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Also in [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I continue to provide the necessary proof and they continue to ignore and report negatively violating my consumer rights as well as providing information that was never authorized by me to provide to begin with. | null | EQUIFAX, INC. | TX | 77583 | null | Consent provided | Web | 2023-04-12 | Closed with explanation | Yes | null | 6,832,907 |
2023-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | This is my several requests but still, the same accounts were erroneous. The 3 credit Bureaus are required to authenticate these accounts. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXXXXXX Balance : {$260.00} | null | EQUIFAX, INC. | CA | 95624 | null | Consent provided | Web | 2023-03-10 | Closed with explanation | Yes | null | 6,678,745 |
2021-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Equifax continues to put a credit card, XXXX XXXX XXXX, used by my father on my credit report. We have the same name, but he is a Sr and I am a Jr. I do not use this card and am not on the account in any way.
I have requested via their one process that they make this correction and remove it from my profile, since our date of birth and social security numbers are different, but they refuse. I am not a user or on this account in any form.
As a result of their inaccurate information, my credit score with them is lower. | null | EQUIFAX, INC. | OR | 97333 | null | Consent provided | Web | 2021-10-01 | Closed with explanation | Yes | null | 4,768,679 |
2017-11-04 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | XXXXComenity Bank They will start calling first thing at XXXX then the calls are repeated every hour or numerous times each hour. I would say it started on XXXX. I have tried to talk to the company and let them know when I would send a payment in but the phone calls wont stop even though I have spoken to a representive, Im just like I just talked to someone from the company why are they still calling non stop. I know Im over due with my account/ Bill but now the calls are becoming harassing/ annoying in where I cant sleep. | null | Bread Financial Holdings, Inc. | VA | 24501 | null | Consent provided | Web | 2017-11-13 | Closed with explanation | Yes | null | 2,720,675 |
2018-05-21 | Credit card or prepaid card | Store credit card | Fees or interest | Problem with fees | Home Depot card # 1 with closing date of XX/XX/XXXX amount - {$64.00} # 1 charge for ( + ) {$90.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows - {$65.00} balance.
# 1 statement with closing date of XX/XX/XXXX shows -.XXXX credit Home Depot card # 2 charge for ( + ) {$96.00} on XX/XX/XXXX with closing date of XX/XX/XXXX shows balance {$96.00}.
Payment made XX/XX/XXXX for {$64.00}.
# 2 credit return XX/XX/XXXX -XXXX with closing date XX/XX/XXXX shows balance {$91.00}.
Payment made XX/XX/XXXX {$91.00}.
# 2 closing date XX/XX/XXXX shows balance {$120.00}.
# 2 closing date XX/XX/XXXX shows balance {$56.00} I called and faxed POA as this is my XXXX year old sisters card and asked why they would give an individual another card if they already had one and they said they can issue up to three accounts for the same place for one individual. I told them that was rather convenient for them as older people do not even realize different account numbers. I have tried to reason with them but now POA, they say was only for one account, if I have her POA it is for all her financial dealing.
All I now is there were two charges for a total of ( + ) {$180.00} one return credit ( - ) {$32.00}, payment XX/XX/XXXX ( - ) {$64.00}, and payment XX/XX/XXXX ( - ) XXXX. They owe her .XXXX NOT she owes them {$56.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | AZ | 85023 | Older American | Consent provided | Web | 2018-05-21 | Closed with monetary relief | Yes | null | 2,912,801 |
2022-11-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have a late payment that I have been able to finnaly get reversed after two years of asking for them to reverse when it's my only late payment in 5 years and now for the last year I've been requesting it to be take. Off my credit report and it's still there which has caused loss of potential houses and loans | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CA | 94560 | null | Consent provided | Web | 2022-11-24 | Closed with non-monetary relief | Yes | null | 6,239,693 |
2021-03-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XX/XX/2021 I wrote a dispute letter to Equifax regarding 4 accounts that is reporting on my credit profile that are inaccurate.
1. XXXX XXXXXXXX XXXX which is reporting a debt of {$0.00}.
2. XXXX which is reporting a debt in the amount of {$0.00}.
3. XXXX XXXX XXXX XXXXXXXX XXXX which is reporting a debt of {$2500.00} 4.XXXX In the amount of {$0.00} I also wrote another letter on XX/XX/XXXX regarding the same problem still no response.Equifax has failed to provide me with verifiable proof that I ask for in my dispute letters.
Please Help | null | EQUIFAX, INC. | NJ | 07305 | null | Consent provided | Web | 2021-03-19 | Closed with explanation | Yes | null | 4,230,620 |
2023-03-21 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | On XX/XX/2023, I called customer service number XXXX to request a replacement card as instructed in a Citi email I received on XX/XX/XXXX informing me that if I did not use my credit card by XX/XX/2023 then my account would be closed. I spoke with a customer service agent to request a replacement card, and during the call I requested my phone number and address be updated as I had moved and changed my phone number. The customer service agent validated the updated phone number and address. I also received a Citi email on the same day of the call, XX/XX/2023, confirming my phone number and address were updated. Today, XX/XX/2023, I decided to use my credit card to keep the account open, so I went to the website referenced in the Citi letter with the attached new replacement card to activate it. The website confirmed successful activation. I then went to purchase concert tickets through XXXX. I tried twice to purchase tickets, but received an error from XXXX 's website saying the card was not valid. I contacted customer service by calling the number on the back of the replacement card at XXXX and I spoke with a customer service agent who stated she could not validate my account with my new phone number. I asked to speak with a person above her, and was referred to a supervisor who repeated the claim they could not validate my account with my new phone number and stated a letter would be sent in the mail in 5 to 7 business days. I asked to speak to someone above her, and I was told at XXXX XXXX XXXX that a manager would call me back. I requested the reference number for the call, and the supervisor provided the reference number. I waited an hour, and I called the number on the back of my card again. I spoke with an agent who said the manager would call me back. No call back. Why is my access to credit being held hostage when I have already provided a new number, activated the account, and passed all security checks? Today, XX/XX/XXXX, I called the customer service number again, and spoke with XXXX. I explained to XXXX that I had not received the letter as promised in 5 to 7 business days since my last called with customer service on XX/XX/XXXX. I explained to him that it is important that my account not be closed as scheduled by Citi on XX/XX/XXXX due to the fact that I am trying to buy a house now, so I do not want negative changes to my credit. He placed me on hold to ask his manager if he could override the security checks, and he claims his manager told him no. He went on to tell me to wait for yet another letter, but when I asked if my current address was the one it would be sent to, he stated he could not verify yes or no and that the address on my credit report would be the one he would send it to. He also told me when I asked about the address on my credit report he could not share the address with me. I told him I did not care anymore to go through this process, thanked him for his time, and hung up. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 94112 | null | Consent provided | Web | 2023-03-21 | Closed with non-monetary relief | Yes | null | 6,723,495 |
2019-02-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have a 30 day late payment on XX/XX/2017 on my credit report. XXXX XXXX XXXX ACCOUNT # XXXX.The information is incorrect .I was never late. | null | EQUIFAX, INC. | FL | 349XX | null | Consent provided | Web | 2019-02-07 | Closed with explanation | Yes | null | 3,145,507 |
2022-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXXL XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30022 | null | Consent provided | Web | 2022-04-24 | Closed with explanation | Yes | null | 5,488,000 |
2020-04-04 | Debt collection | I do not know | Written notification about debt | Didn't receive enough information to verify debt | I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. | null | CAINE & WEINER COMPANY, INC. | MA | 020XX | null | Consent provided | Web | 2020-04-04 | Closed with explanation | Yes | null | 3,593,454 |
2022-05-30 | 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 | I am XXXX XXXX, who is submitting this CFPB complaint. This complaint to Equifax was the result of their non-compliance with my request and their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized.
XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX | null | EQUIFAX, INC. | PA | 15210 | null | Consent provided | Web | 2022-05-30 | Closed with explanation | Yes | null | 5,613,662 |
2021-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | The bureaus are reporting inaccurate, unverified accounts on my credit report. This is impacting my ability to better my life. I need these things corrected on my credit report as possible as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | SC | 29209 | null | Consent provided | Web | 2021-03-10 | Closed with explanation | Yes | null | 4,197,819 |
2021-08-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | Ordered a free report on XX/XX/XXXX, it's now been over a month, I called and they claimed it was on its way but it had been well over 15 days and no repirt | null | Early Warning Services, LLC | NY | 10025 | null | Consent provided | Web | 2021-08-02 | Closed with explanation | Yes | null | 4,594,895 |
2020-11-10 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | My firm ceased operations on XX/XX/XXXX and we closed our Chase card on XX/XX/XXXX by letter. This card was paid off on XXXX XXXX In XXXX of XXXX we received correspondence from a debt collection company demanding payment of {$480.00} for charges made on our Chase card account. Prior to this letter I had received no statements from Chase since XX/XX/XXXX. We had closed our Post Office Box on XX/XX/XXXX and filed a change of address with the USPS.
I contacted Chase and received copies of any statements after XX/XX/XXXX. On the statements I discovered that on XX/XX/XXXX a charge of {$450.00} was made to XXXX XXXX XXXX. This is the service we used for our accounting prior to ceasing operations. Additionally, there were late fees and interest charges of {$240.00} between XX/XX/XXXX and XX/XX/XXXX. In addition I found a credit from XXXX in the amount of {$260.00} on XX/XX/XXXX.
I contacted Chase again and explained to them that 1 ) Our account should have been closed per our letter of XXXX XXXX and 2 ) We did not authorize XXXX to make their charge, in fact we had no use for their services due our ceasing of operations.
Apparently Chase claims never to have received our letter closing our account and that they would look into it and make a determination.
Yesterday, I received a letter dated XX/XX/XXXX from chase informing me that the balance they show is correct and that I should make a prompt payment | null | JPMORGAN CHASE & CO. | OK | 74115 | Servicemember | Consent provided | Web | 2020-11-10 | Closed with explanation | Yes | null | 3,946,558 |
2020-12-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Problem getting your free annual credit report | I have tried to pull both my credit report and credit file and was given the message from XXXX, Transunion and XXXX that using my social security number, that I would not be able to retrieve my consumer report and file. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | PA | 19144 | null | Consent provided | Web | 2020-12-31 | Closed with explanation | Yes | null | 4,041,341 |
2020-10-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I have unauthorized hard inquiries that are hurting my personal credit. They are incorrect and I am unfairly being punished for them.The inquiries are from the following : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX Curo Management LLC, XXXX XXXX, 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 | CURO Intermediate Holdings | CA | 93535 | null | Consent provided | Web | 2020-10-13 | Closed with explanation | Yes | null | 3,891,888 |
2022-01-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report. | null | EQUIFAX, INC. | FL | 34234 | null | Consent provided | Web | 2022-01-17 | Closed with explanation | Yes | null | 5,114,763 |
2021-06-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have an old account ( XXXX XXXX XXXX ), from 2012, that is still on my credit report. I disputed it with XXXX, and it wasn't removed. All XXXX keeps doing is saying that the updated the information. I disputed the information with ( XXXX XXXX XXXX ) directly and it was removed from XXXX. on my credit age, it shows 1year. Why is XXXX still showing that old account. This account should not be on my credit report.
File number : XXXX | null | EQUIFAX, INC. | NY | 11230 | null | Consent provided | Web | 2021-06-15 | Closed with explanation | Yes | null | 4,462,261 |
2023-05-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | In accordance with the rules of the Fair Credit Reporting Act, I am filing this complaint to request that the listed account, which I believe is erroneous and incomplete, be investigated and updated on my credit file as soon as possible.
XXXX XXXX XXXX : {$330.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89166 | null | Consent provided | Web | 2023-05-04 | Closed with explanation | Yes | null | 6,924,910 |
2022-05-19 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | On XX/XX/XXXX I purchased gas for {$37.00}. The XXXX showed on my credit card but 14 other purchases amounting to {$1300.00} showed on my Bank of America credit card as well from the merchant. I disputed charges with the Bank of America fraud department on XX/XX/XXXX. But, Bank of America put all the charges back on XX/XX/XXXX stating that the card was used for all the transactions. Unsure why Bank of America didn't accept the dispute given it doesn't make sense that an individual will conduct 15 different gas transactions at the same time. I have contacted the Bank numerous times accumulating hours on hold and the charges have not been resolved to date ( XX/XX/XXXX ). The few times I was able to get an actual person in the fraud department, the fraud department person tells me it's a billing issue and thus I was transferred back to the main number again sitting and waiting on hold to speak with someone in the billing department. XXXX calls and have spoken with several different individuals including managers and to date only 3 of the charges have been resolved by using their online tool which I initially used in the beginning but the tool is limited to disputing 3 issues and I have 15. When I tried to add additionally to be disputed by their online tool, I got a message stating that I need to call the bank to do more. We are now in XXXX and the charges have not been removed. My last call to the bank 's billing department was on the XXXX of XXXX. I spoke with someone. We went through each charge one-by-one and I was told they will be removed. Unfortunately, there were not and now I have received a letter requesting additional information in order for charges to be removed. This is a never ending loop and I am exhausted dealing with Bank of America. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MD | 20784 | null | Consent provided | Web | 2022-05-19 | Closed with explanation | Yes | null | 5,578,148 |
2017-08-09 | Checking or savings account | Savings account | Opening an account | Unable to open an account | I tried to open a high yield savings account with CIT Bank. on XX/XX/XXXX I received an email from them saying the following : Thank you for your recent application for a CIT Bank account. Unfortunately, after further review, CIT is exercising our right to decline your application for an account with our institution due to potentially high risk or undesirable activity. If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department at ( XXXX ) XXXX, Monday through Friday, XXXX to XXXX EST. I called the number above on XX/XX/XXXX to find out more about what they meant by, " potentially high risk or undesirable activity ''. The first guy I spoke to said that they could not verify who I was and that is why the account was rejected. I asked him with whom they tried to verify the information with so that I could contact them and correct any mistakes. His response was, " that is proprietary information that he could not tell me. '' I then asked to speak to his supervisor. The supervisor came on the phone and said they could only discuss what was in the email. I pointed out to him that the email stated, " If you have any questions regarding this decision, please contact the CIT Bank Application Referrals Department, '' and that I wanted to know more about how the decision was reached. He had the same reply that it was proprietary information. I asked him who I could escalate to next and he said there was no one else above him. I would like to know why they are not able to verify me. I have multiple credit cards, a mortgage, and savings and checking accounts with XXXX XXXX XXXX. I have also previously had student and car loans. I find it hard to believe that they are not able to confirm my identity and their reluctance to explain how they could not verify me is very troublesome. | null | CIT BANK, NATIONAL ASSOCIATION | FL | 33176 | null | Consent provided | Web | 2017-08-09 | Closed with explanation | Yes | null | 2,643,579 |
2021-12-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please provide me with the name and address of the original creditor. Pursuant, the XXXX XXXX XXXX XXXX Act Section 809, cease and desist the reporting of this item until you do so. | null | EQUIFAX, INC. | FL | 33311 | null | Consent provided | Web | 2021-12-09 | Closed with explanation | Yes | null | 4,993,629 |
2022-01-07 | 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 | The credit bureaus are illegally reporting inaccurate information on my credit report. | null | EQUIFAX, INC. | IL | 60435 | null | Consent provided | Web | 2022-01-07 | Closed with explanation | Yes | null | 5,079,135 |
2021-10-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hello, I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize compliance in this investigation. I have also mailed all respective CRAs with my notarized identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Dept. of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | GA | XXXXX | null | Consent provided | Web | 2021-10-26 | Closed with explanation | Yes | null | 4,846,449 |
2023-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | My name is XXXX XXXX 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11212 | null | Consent provided | Web | 2023-07-25 | Closed with explanation | Yes | null | 7,294,999 |
2022-12-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I am dismayed by the capability of the Credit Reporting Agencies to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the account : XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | NY | 11206 | null | Consent provided | Web | 2022-12-02 | Closed with explanation | Yes | null | 6,265,396 |
2020-10-21 | Debt collection | I do not know | Attempts to collect debt not owed | Debt is not yours | On XX/XX/2020, I was notified of a collection entered on my credit report in the amount of {$490.00}.
I did not recognize the charge. I have been a victim of identity theft in the past.
I disputed the charge and the dispute is in progress.
Today, I was notified that the collection was put back on my credit report. The collection agency did not respect that the dispute is in progress. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | I.C. System, Inc. | FL | 33496 | Servicemember | Consent provided | Web | 2020-10-22 | Closed with explanation | Yes | null | 3,910,382 |
2022-04-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'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 | 33570 | null | Consent provided | Web | 2022-04-14 | Closed with non-monetary relief | Yes | null | 5,450,443 |
2022-09-29 | Checking or savings account | Checking account | Managing an account | Banking errors | A check i/a/o {$2200.00} has been debited to and cleared the payor 's account at Bank of America ( 8 weeks ago ) and still has not been credited to the payee 's ( my ) account also at Bank of America. All at various service departments at Bank of America agree that this was a bank check processing error ( see case # XXXX ). ( see also compliant # XXXX. ) However, no one at the bank seems to has the authority to correct this bank error.
It is my understanding that a bank generally has ten business days to investigate an issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. The bank then has three business days to report its findings to you.
If the bank or cant complete its investigation within ten business days, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate.
The bank must then resolve the issue in 45 days.
These time frames has long past and the credit has still not been made.. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | MA | 024XX | null | Consent provided | Web | 2022-09-29 | Closed with explanation | Yes | null | 6,031,692 |
2020-01-07 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I previously filed a written complaint with the Consumer Financial Protection Bureau against American Express. Please refer to Consumer Financial Protection Bureau complaint number XXXX.
This is an ADDITIONAL complaint against American Express regarding fraudulent late fees, interest and other fees. I received a demand for {$690.00} from a credit collection agency AfTER my American Express credit card was CLOSED and MY BILL WAS PAID IN FULL so I do not owe American Express any additional financial payment.
The NAME and CONTACT for the American Express Credit collection agency is : XXXX XXXX XXXX XXXX Account Representative XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX has a SECOND address : XXXX XXXX Account Representative XXXX XXXX XXXX XXXX Texas | null | AMERICAN EXPRESS COMPANY | VA | 220XX | null | Consent provided | Web | 2020-01-07 | Closed with non-monetary relief | Yes | null | 3,488,428 |
2016-08-12 | Debt collection | Credit card | Taking/threatening an illegal action | Threatened to sue on too old debt | I have paid this loan off with another creditor. Unfortunately during the time I was paying the loan off another company picked it up. I fax ed them the information before and they keep saying it is incorrect. The loan was through XXXX 's XXXX and I have already paid it off. | null | ENCORE CAPITAL GROUP INC. | TX | 79720 | null | Consent provided | Web | 2016-09-15 | Closed with non-monetary relief | Yes | No | 2,058,653 |
2019-06-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Information on my Experian credit report is not true or correct. Things need to be removed that are past seven and 10 years long. I dont understand why theyre not removed. Thank you for your help XXXX bless you | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95662 | null | Consent provided | Web | 2019-06-26 | Closed with explanation | Yes | null | 3,288,460 |
2020-01-14 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | Due to challenging financial circumstances, I filed for XXXX XXXX Bankruptcy. As my circumstances worsened, I ultimately had it converted to XXXX XXXX and was discharged XX/XX/2019. On my list of debtors, my private student loan under for roughly {$7000.00} under XXXX was included. While I was not expecting this loan to be erased, a quick reference in XXXX XXXX showed the loan as either payed off or closed, which I have screen shots of. I used this information to move forward with building the rest of my credit, not paying toward my XXXX private student loan, and not realizing my loan was still active. I fell behind on my private student loan payments which has lead to " late payments '' showing on my credit report, negatively impacting my credit score. This has negatively affected my ability to apply for a VA Home loan due to the late payment remarks on my credit report. With good intentions, I contacted the private loan company and have setup payments to bring my account back up to current and am continuing to make on time payments. Though I take responsibility in missing such an important detail, I would like to reach out for assistance in having these late payment remarks removed from my credit report if possible. This was a misunderstanding on my end, as well as my private student loan company who never received a copy of my bankruptcy, neither XXXX XXXX nor XXXX XXXX. At the moment, I am simply continuing to make on-time payments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 90703 | Servicemember | Consent provided | Web | 2020-01-14 | Closed with explanation | Yes | null | 3,495,337 |
2020-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Hello! To whom it may concern ; on XX/XX/2020 I sent out dispute letters to Experian regarding a collection account that was not accurate or verified on my credit report listed as XXXX XXXX ( XXXX ) stating that I owe a {$0.00} balance and a loan amount {$1300.00}. This account is completely untrue and inaccurate and Experian did not even respond to me about the dispute. Not only did they not respond to me within 30 days, but they did not address this with me at all to let me know they verified it nor give me the documentation to prove to me that this is valid. Please have them to remove this item off of my credit report immediately. Thanks | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 304XX | null | Consent provided | Web | 2020-06-01 | Closed with explanation | Yes | null | 3,677,192 |
2021-03-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | On XXXX/2020, I received an email from XXXX XXXX XXXX, XXXX XXXX that stated that they had a data breach, my account was deactivated, please destroy the card, and a new one would be issued. ( see copy of email attached ) In spite of this notice, I made a payment that was posted on XXXX/2020 and another on XXXX/2020. ( see statements attached XXXX However, XXXX XXXX XXXX NEVER sent me a new card in spite of them receiving payment 13 days after the date of this email. In XX/XX/ 2020, my credit report alerted me that I had a XXXX status on my credit report for this account. ( Note : I had never been late prior to then or thereafter. I still have this account. ) When I contacted the creditor, they stated that my card wasn't issued automatically because I had a late payment. It was confusing since the notice of breach via email and a payment was within 13 days of each other. Finally, on XXXX/2020, I received the new card that the email stated that I would receive automatically.
I have disputed this information several times through the credit bureau. I have even filed a XXXX XXXX. XXXX see their response attached, which had some discreptancies ) The creditor refused to assume any responsibility for THEIR data breach, lack of communication on current account numbers and reissuance of cards and THEIR ADMINISTRATIVE ERRORS and how this has affected my credit. I am now trying to purchase a home and this ONE LATE PAYMENT is hurting me badly. It has been over a year and I need it off ASAP.
All documents proving these statements are attached.
I am making this final attempt before pursuing legal matters stating how their errors is damaging my future. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | DC | 20019 | null | Consent provided | Web | 2021-03-30 | Closed with explanation | Yes | null | 4,257,926 |
2023-01-30 | 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 93940 | null | Consent provided | Web | 2023-01-30 | Closed with non-monetary relief | Yes | null | 6,508,222 |
2021-07-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | Equifax has me locked out their credit reporting site because a XXXX didn't like my English and was just the rudest ca person I ever met.
05 hard inquiries are put in as fraud or the customer service person did it on purpose. I wish I was lying but these XXXX are just rude and taught XXXX law not American law.
They are taught to hang up on you and to say no matter what the FTC American laws.
5 inquireys ruined my report. They are all fraud and had credit freeze on them.
XXXX CREDIT CARD FROM 08 YEARS ago want come off credit report. I think the Indians from XXXX hate Americans and did this to XXXX me. Nothing I can do but sue, take to small claims court, or call Pattorney general of my state.
Use a credit card should have been off my report a year ago. They are doing this to help businesses and not consumers.
It was XXXX dollars and it was never showed by the end FTC laws that this was legal. Fcra laws tells exactly how the investigation section 604, 609, 611 and 623. These federal and state laws were not given the right investigation that people could go to jail.
XXXX also says I was late 4 years ago and they have lied to the FTC and FAIR CREDIT REPORTING ACT. THEY NEED TO BE SUED AND GO TO JAIL.
XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | PA | 17406 | Servicemember | Consent provided | Web | 2021-07-01 | Closed with explanation | Yes | null | 4,508,987 |
2023-02-09 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | I have been an Amex card holder for 15 years. Prior to XX/XX/XXXX I've held 2 Amex cards, a XXXX card ( {$0.00} annual fee ), and the Amex Hilton card ( {$95.00} annual fee ). I closed the Hilton card, not because of Amex, but because the hotel had signs of bed bugs, the air conditioning unit in our room was broken, they couldn't move us to a new room, and all of their amenities promised on the website were closed. I didn't plan on staying at a Hilton ever again, so I closed the card because it didn't make sense to pay $ XXXX for it. I am still an Amex customer via my XXXX card.
In XX/XX/XXXX, American Express XXXX was offering a XXXX Welcome Offer if you spent $ XXXX in 3 months. This card comes with a {$690.00} annual fee. The terms of this welcome offer were " Welcome offer not available to applicants who have or have had this Card. We may also consider the number of American Express Cards you have opened and closed as well as other factors in making a decision on your welcome offer eligibility. '' After weighing my options between this card and several others, after much consideration I decided to sign up for this card and was approved. During the application process I received NO notice that I would not receive a welcome offer. I certainly would not have moved forward with a {$690.00} annual fee card when others were receiving it for opening it.
As of today ( XX/XX/XXXX ) I've spent well over $ XXXX, so I chatted with Amex online to obtain the progress I've made on my spend towards the welcome bonus and was going to ask for timing on when the points would be applied. Much to my dismay the representative told me my welcome bonus was declined and that I was informed of this during my application process. They said I received a pop up when I was applying that would've informed me of this and I'd have to agree to move forward. I understand that it may be DESIGNED to work that way, but as someone who has worked in technology and XXXX, I can 100 % tell you there is a gap in that pop up window appearing and it didn't appear for me, I am 100 % certain. I don't know if they need to investigate a bug, or what, but I read things carefully when I sign up for stuff and I am 100 % certain I did not receive a pop up message informing me my welcome offer was declined. I was NOT informed of this during my application process, and certainly would not have agreed to a {$690.00} annual fee without the welcome bonus as a factor. I was told to get the specific reason for the decline I'd need to call the number on the back of my card.
I called the number on the back of my card and was told by the phone representative that I was declined because I received an Amex welcome offer in the past, I believe they're referring to the XXXX card I referenced above, that I closed because of a very poor hotel experience.
The main issue for my complaint here is misleading advertising and terms/conditions, as well as no communication that I would not receive the welcome bonus. It was 100 % not disclosed to me when I signed up.
I also do not feel American Express had a valid reason to decline my welcome offer. It is not contained in my welcome offer terms that I am disqualified for receiving bonus offers in the past, the 2 terms outlined are 1 ) I can't have held the Amex card in the past, which I haven't, and 2 ) they'll weigh how many cards I've opened and closed. I've opened 2 and closed 1 over 15 years which is objectively not abuse of any system and any reasonable company would not disqualify me for those reasons. For all intents and purposes I should be eligible for this offer based on their terms. Their welcome terms are misleading and incomplete since they will disqualify you for receiving a welcome offer in the past, but do not include that in their terms. | null | AMERICAN EXPRESS COMPANY | OH | 43054 | null | Consent provided | Web | 2023-02-09 | Closed with explanation | Yes | null | 6,550,680 |
2019-08-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Old information on my Equifax credit report that was removed is reappearing. | null | EQUIFAX, INC. | NY | 11704 | null | Consent provided | Web | 2019-08-07 | Closed with explanation | Yes | null | 3,331,891 |
2019-08-11 | Debt collection | Federal student loan debt | Written notification about debt | Didn't receive notice of right to dispute | US Department of Education attempted to collect a debt for a student Loan in XXXX that originated through XXXX XXXX loan # XXXX which then turned into XXXX.
The original loan was {$42000.00}. of which I paid {$25000.00}. After several attempts to reduce the promise payment of {$160.00} monthly moved to nearly {$500.00} monthly. I felt like this was literally extortion. I moved the then {$54000.00}. ( loan that has {$37000.00}. in interest added since I took it out ) to a Federal loan. I made several calls to lower my payments as I was divorced in XXXX every time I asked for a lower payment, I was told I would find out when I got my next statement, however the payments kept getting higher although my home income had decreased by {$1600.00} monthly. I also inquired several times regarding how to request loan forgiveness as XXXX XXXX was all over the new regarding a potential class action lawsuit against XXXX XXXX as the student loans were predatory and overcharges students by 44 % between XXXX. My son attended XXXX XXXX, I was the parent who took out this loan in I believe the summer of XXXX. I never received any information of how to follow through with loan forgiveness. I couldn't afford the payments, couldn't get forgiveness information. News broke in XX/XX/XXXX that a settlement was reached for XXXX XXXX XXXX XXXX. The company agreed to forgo collections on approx $ XXXX in old accounts receivable in the last 30 years at over 100 campuses and they will write off $ XXXX in accounts receivable. XXXX XXXX took advantage of students and parents. XXXX XXXX closed over 100 campuses including the campus in XXXX where my son attended. On XX/XX/XXXX my XXXX XXXX # XXXX balance was {$60000.00}. The statement I opened late by myself on XX/XX/XXXX included a request for review and verbiage regarding US Department of Education Application for Borrower Defense to Loan Repayment and that if I did not reply collections activities would begin. I immediately downloaded and completed the request for review and sent all paperwork and news articles regarding XXXX XXXX via USPS on XX/XX/XXXX as I should not have to continue to fight to repay a loan of a school that closed due to predatory loans. I have included the USPS certified mail receipts. Three days later, yesterday, XX/XX/XXXX I received a letter from F.H. Cann & Associates indicating my account had gone to collections and now my balance is {$83000.00} adding " interests and costs '' of an additional {$22000.00} on a disputed loan that should have never gone to collections. The application for borrower defense to loan repayment was sent to US Department of Education - Borrower Defense to Repayment at XXXX XXXX XXXX, XXXX KY XXXX and US Department of Education XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I should not have to pay the remainder of the original {$42000.00}. loan, of which {$25000.00}. was initially paid to XXXX XXXX, nor the now {$66000.00} in interest and fees attached by XXXX XXXX, XXXX, US Department of Education and F.H.Cann & Associates ( located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MA XXXX ). The remaining balance in full should be forgiven.The remaining balance if full should be forgiven. If I was originally charged {$42000.00} which court documents indicate was an overcharge by 44 % I should have only paid {$23000.00}. I already paid XXXX. This nightmare has been going on for nearly a decade.
It is my understanding that when a debt is in dispute the debt can not be sent to collections. This debt has been in dispute since XXXX.
Lastly, let it be know that at no time was I contact to participate in a Class Action lawsuit regarding this matter nor have I received any relief of any kind toward this not in for form of monies nor reduction in balance, interest or fees. | null | F.H. Cann & Associates, Inc. | CA | 90620 | null | Consent provided | Web | 2019-08-11 | Closed with explanation | Yes | null | 3,336,730 |
2023-01-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX account # XXXX Has violated my rights.
XXXX5 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states consumer reporting agency can not furnish an account without my instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 187XX | Servicemember | Consent provided | Web | 2023-01-11 | Closed with non-monetary relief | Yes | null | 6,425,960 |
2019-04-10 | Credit card or prepaid card | General-purpose credit card or charge card | Trouble using your card | Can't use card to make purchases | I paid my XXXX XXXX credit card bill in full for XXXX on XX/XX/XXXX. On XX/XX/XXXX I attempted to charge XXXX on my card and was denied several times even though my credit line is XXXX and my balance is only 2000. They deducted the payment from my bank on XX/XX/XXXX and told me they were holding my payment for 7 days and would not release my credit line until 7 business days after my payment posted even though the payment cleared my bank. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BARCLAYS BANK DELAWARE | VA | 23112 | null | Consent provided | Web | 2019-04-10 | Closed with explanation | Yes | null | 3,207,922 |
2022-04-04 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | On XX/XX/XXXX I made an online payment of {$1600.00} on my credit card. At that time the previous Balance was {$1300.00} and the open balance was {$1600.00}. So I made a full payment and the card balance should reflect a {$0.00} balance. The following month I received a statement with the balance of {$18.00}. It seems I got billed interest on the card with no balance at all. I was thinking it is an error on the bank 's part and did not pay the bill. On XX/XX/2022, I received a notification that my card balance is XXXX. I contacted support via chat and they explained the charges. Interest rate $ XXXX late fee $ XXXX {$37.00}. They also confirmed that they waived the charges and it should reflect on the next billing statement.
The same day, on XX/XX/2022, right after chatting with the support, the credit card company lowers my credit limit from {$1400.00} to {$300.00}.
On XX/XX/2022, around XXXX I contacted the bank to get a clarification on why my credit limit was changed. XXXX who was on the phone told me that the only fee that was waived is the late fee and she will remove the interest fee. I asked for confirmation but she didn't provide it and told me that I should receive an email confirmation that all fees are waived and the balance on the card is zero. Also, I asked to discuss the credit line issue and she transferred to the credit department. XXXX ( ID # XXXX ) explained that the credit was reduced because my credit score was changed. Since he could not help I asked to speak to a supervisor. XXXX ( Id # XXXX ) was telling me that all the charges are correct and one of the factors is that credit was lowered because of the past due amount. After mentioning to XXXX that " I won't be surprised if you close my credit card after this conversation, she responded that due to your request we will close the card ''.
This is how credit cards are helping hard working people trying to pay off their debts in these hard economic times.
The bottom line is 1 ) I paid off my entire credit card debt. 2 ) After paying on time, I got billed additional interest, a late fee, and the credit line decreased.
The actions of the employees are very unprofessional, rude, and ridiculous. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | CA | 91344 | null | Consent provided | Web | 2022-05-03 | Closed with explanation | Yes | null | 5,405,397 |
2019-10-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have sent XXXX and Trans-union everything that they ask me to send them to show that I was a victim of identity theft | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76710 | null | Consent provided | Web | 2019-10-11 | Closed with explanation | Yes | null | 3,403,488 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. | NJ | 07644 | null | Consent provided | Web | 2023-09-07 | Closed with explanation | Yes | null | 7,515,285 |
2022-04-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The account XXXX credit card and the student loan account XXXX is fraud. They do not belong to me. This complaint is a follow up to my complaint submitted a few weeks ago. In this complaint I have attached a police report. The detective has released the report and they have possible lead on the suspect. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92614 | Servicemember | Consent provided | Web | 2022-04-16 | Closed with non-monetary relief | Yes | null | 5,455,973 |
2022-09-05 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I have a Collection for an account on my Credit Report that I did not initiate or own. This is totally false and appears to be a fraud or a scam. I do not have any debt from XXXX XXXX XXXX nor have I ever been made aware of such debt until it appeared on my Credit Report. Credence Resource Management Co. is claiming a debt in my name is owed.
I can not believe a person with great credit history can be scammed like this.
100 % untrue and appears this is fraud or identity theft.
My XXXX Credit Report is the only XXXX of the XXXX Credit Reports ( XXXX, XXXX ) that does not have this incorrect information of a Collection.
XXXX XXXX XXXX | null | Kriya Capital, LLC | PA | 19067 | null | Consent provided | Web | 2022-09-23 | Closed with non-monetary relief | Yes | null | 5,947,593 |
2018-04-04 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a purchase shown on your statement | Credit card company isn't resolving a dispute about a purchase on your statement | I have had several problems with my Chase Credit Card XXXX and asked that the account be closed after Chase charged me an annual feel of {$99.00} on XX/XX/XXXX. I sent an e-mail telling them to close the account and to issue the credit. They closed the account but they tell me the credit will not be issued for 2 billing cycles ( 2 months ). I have sent several e-mails telling them to issue the credit but so far, nothing is happening. I can not formally dispute the charge on my account as the account was closed on XX/XX/XXXX. I want the {$99.00} removed and do not want to incur any interest as I'm not going to pay the {$99.00} reflected as a balance on this closed account. | null | JPMORGAN CHASE & CO. | AZ | 85207 | null | Consent provided | Web | 2018-04-06 | Closed with non-monetary relief | Yes | null | 2,863,917 |
2020-12-27 | Debt collection | Auto debt | Attempts to collect debt not owed | Debt was paid | I had just called Credit Collection Services in XXXX to clear up an old dispute from 2018 which they placed with XXXX in 2018.
I paid CCS the total amount due and they agreed they would delete it from my credit report. After paying them and having it deleted from XXXX about three weeks later they contacted XXXX and reported that I owe them. This was clearly a case of " debt parking ''. | Company believes the complaint is the result of a misunderstanding | CCS Financial Services, Inc. | NY | 11236 | null | Consent provided | Web | 2020-12-27 | Closed with explanation | Yes | null | 4,032,560 |
2023-01-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and XXXX XXXX from XXXX XXXX XXXX XXXX, Experian XXXX XXXX XXXX, Experian, and XXXX. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, Experian, and XXXX. I want XXXX XXXX XXXX XXXX, Experian, and XXXX to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and XXXX XXXX to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX XXXX : XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MN | 55343 | Servicemember | Consent provided | Web | 2023-01-06 | Closed with explanation | Yes | null | 6,408,635 |
2020-04-04 | Vehicle loan or lease | Lease | Struggling to pay your loan | Denied request to lower payments | XXXX of XXXX XXXX General Manger XXXX XXXX & XXXX XXXX service manger called me XXXX ON SEVERAL OCCASIONS AFTER I TRADED in my XXXX XXXX. I called XXXX XXXX my service advisor in reference to the XXXX XXXX XXXX XXXX key being stolen by my landlord. I paid {$370.00}. I have no receipt. XXXX XXXX was in the showroom my sales consultant when I was called a XXXX. I took XXXX XXXX police & XXXX told me I was not allowed in there. I had XXXX tow my XXXX XXXX back after My transmission brakes everything went on XX/XX/XXXX. My account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIN XXXX. On XX/XX/XXXX XXXX XXXX stayed they were selling my car. I gave both keys to the XXXX XXXX police dept on camera in XXXX. How can I still be liable 4 a lemon I returned where I purchased it from. Im not being charged off on my credit by XXXX XXXX XXXX. I contacted The XXXX XXXX AND MADE 7 complaints. I received nothing in writing. XXXX XXXX XXXX XXXX ACCT XXXX stated involuntary repossessed date of last pymy XX/XX/XXXX. I DIDNT HAVE THE CAR XX/XX/XXXX til XX/XX/XXXX. XXXX XXXX refuses to give me my car. I had XXXX tow it back to them through XXXX XXXX ( XXXX ) XXXX XXXX | null | TOYOTA MOTOR CREDIT CORPORATION | NJ | XXXXX | null | Consent provided | Web | 2020-04-04 | Closed with explanation | Yes | null | 3,592,848 |
2023-01-17 | Vehicle loan or lease | Loan | Managing the loan or lease | Problem with the interest rate | I made my payment sometimes twice a month or abd every month the balance never go down please I need helps | null | Global Lending Services LLC | MA | 01604 | null | Consent provided | Web | 2023-02-07 | Closed with explanation | Yes | null | 6,445,833 |
2022-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.
2. What services I am being charged for.
3. What the cost of each service I am being charged for.
Furthermore, Transworld Systems, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. | null | TRANSWORLD SYSTEMS INC | MO | 63122 | null | Consent provided | Web | 2022-09-08 | Closed with explanation | Yes | null | 5,962,956 |
2022-08-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX Balance : - ; Bankruptcy XXXX XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX | null | EQUIFAX, INC. | IL | 60901 | null | Consent provided | Web | 2022-08-22 | Closed with explanation | Yes | null | 5,901,810 |
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 | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 11209 | null | Consent provided | Web | 2023-08-07 | Closed with explanation | Yes | null | 7,360,539 |
2021-03-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results. | null | Bread Financial Holdings, Inc. | OH | 44146 | null | Consent provided | Web | 2021-03-05 | Closed with explanation | Yes | null | 4,182,327 |
2020-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AR | 72211 | null | Consent provided | Web | 2020-05-18 | Closed with explanation | Yes | null | 3,656,959 |
2020-07-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Difficulty submitting a dispute or getting information about a dispute over the phone | XXXX XXXXXXXX account and credit reporting was removed for authorized user XXXX XXXX. | null | EQUIFAX, INC. | MD | 208XX | null | Consent provided | Web | 2020-07-22 | Closed with explanation | Yes | null | 3,758,640 |
2021-03-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I am requesting an updated report on my credit file and dispute results from my recent dispute ... | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60448 | null | Consent provided | Web | 2021-03-08 | Closed with non-monetary relief | Yes | null | 4,193,685 |
2020-02-20 | Credit card or prepaid card | General-purpose credit card or charge card | Other features, terms, or problems | Problem with rewards from credit card | I joined Capital One credit card program back in XX/XX/2019 with their 'Platinum ' card. After receiving numerous emails and physical mail saying I was preapproved for a 'Quicksilver ' credit card which offered a {$150.00} reward for spending {$500.00} in the first 3 months. Because I was preapproved, and knew I would reach the spending threshold due to the holidays, I signed up for the Quicksilver card through their website. This was creating a NEW card account, not transferring, so I do not see why I would not be eligible for the bonus. However, after time passed and I did not receive my reward I decide to try and call Capital One. They claimed I was ineligible for the offer, because I was an existing capital one member. This seems extremely misleading as I was on their email/mail distribution list BECAUSE I was an existing member and those offer all claimed I would receive the {$150.00} bonus. But now I am ineligible so I will not receive my reward and the trouble I went through to open a new card was fruitless. I would just like to be acknowledged that I met their spending requirements for the reward, so why should I be denied because I was an existing card holder - one that they specifically sent misleading offers to? | null | CAPITAL ONE FINANCIAL CORPORATION | OH | 44113 | null | Consent provided | Web | 2020-02-20 | Closed with monetary relief | Yes | null | 3,538,000 |
2023-01-08 | 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 | XX/XX/2022 requested these unauthorized items be removed from my credit report but was informed the items werent on my report but the items still remain on my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NV | 89169 | null | Consent provided | Web | 2023-01-08 | Closed with explanation | Yes | null | 6,413,532 |
2023-04-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NC | 27560 | null | Consent provided | Web | 2023-04-19 | Closed with non-monetary relief | Yes | null | 6,862,919 |
2022-04-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX added a derogatory mark on my credit report per Experian. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also, there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt, and anybody can send a bill and sdsay it's mine. According to the FCRA, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights as a consumer and I am requesting legal action to remove this account immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IN | 46224 | null | Consent provided | Web | 2022-04-06 | Closed with non-monetary relief | Yes | null | 5,415,832 |
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 | 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 | EQUIFAX, INC. | TX | 798XX | null | Consent provided | Web | 2023-07-10 | Closed with non-monetary relief | Yes | null | 7,230,151 |
2020-03-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Billing dispute for services | I clicked on a link that was advertised as a free online credit report, I requested a credit score report from TransUnion on XX/XX/XXXX. They charged me for {$19.00} without asking my permission prior to my request submission. I was not aware their service is not free of charge. I cancelled my subscription immediately. Now, I want a refund and make sure they cancelled my account and don't keep my records. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | null | XXXXX | null | Consent provided | Web | 2020-03-10 | Closed with monetary relief | Yes | null | 3,560,903 |
2023-08-27 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am a victim of identity theft. There are fraudulent inquiries, personal information and account information that does not belong to me. Please see attachments. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 336XX | null | Consent provided | Web | 2023-08-27 | Closed with non-monetary relief | Yes | null | 7,469,207 |
2023-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | Incorrect information on your report | Personal information incorrect | I applied for a XXXXXXXX XXXX credit card through XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX I received a letter dated XX/XX/ denying credit listing the reason : " Credit bureau reports applicant is deceased. '' The reporting credit agency Sagestream/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX First, I AM NOT DEAD!
I tried emailing XXXXXXXX XXXX through their website and was unable to reach them. I found a phone number online, but they were not able to help.
I called the Sagestream phone number. It is an automated system and after entering all my personal information ; the system notified me it could not verify my identity and hung up.
I am not dead and do not want to start a problem that could cascade into my losing everything. I need to correct the mistake. | null | ID Analytics, Inc. | NM | 87108 | Older American | Consent provided | Web | 2023-02-28 | Closed with non-monetary relief | Yes | null | 6,521,955 |
2017-01-18 | Debt collection | Other (i.e. phone, health club, etc.) | Communication tactics | Frequent or repeated calls | This morning I had a XXXX collector call me and I was explains the the situation on how I 'm trying to find away to pay the debt I owe. He then was being very judgemental and rude and disrecptuful. He first said I had 7 years to pay this off I should have paid it then, I told him he has no right to tell me what I should have done in the past 7 years I stated I had a lot of things happen in the past 7 years to me. He kept saying it over and over I told him I need to go I have a sick child to attend ( my son was XXXX ) and he just kept badgering me on the phone until I hung up on him. I then called to report him to a supervisor and that person was then badgering me that I should have paid small amounts and I would n't have to deal with this. He did n't seem to care how rude is employee was, pretty much told me well he 's doing a job and the info we have In front of us, and that I have been telling them I 'm trying to borrow money to pay them since 2014 so they are tired of me saying that, That i should have made any payments so then I would n't have to deal with them. I told him I 'm tired of going. Back and forth he is not listening and he has no right to lecture and disprect me. I just hung up on him. | null | ENCORE CAPITAL GROUP INC. | CA | 90601 | null | Consent provided | Web | 2017-01-18 | Closed with non-monetary relief | Yes | No | 2,294,648 |
2019-03-23 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I keep receiving a negative remark on my credit report from Collection Bureau of FT. I have disputed this before. I am not responsible for the medical bill. I submitted my XXXX of MI insurance and they refuse to stop reporting to my credit reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Collection Bureau of Fort Walton Beach, Inc | MI | 48126 | null | Consent provided | Web | 2019-03-29 | Closed with explanation | Yes | null | 3,189,030 |
2023-01-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | As of XX/XX/2023 the XXXX XXXX XXXX XXXX XXXX has been satisfied and is not a collection item. This can be verified via XXXX XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | WI | 53225 | null | Consent provided | Web | 2023-01-22 | Closed with non-monetary relief | Yes | null | 6,471,529 |
2022-06-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, and 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't furnish an account without my written instructions. | null | EQUIFAX, INC. | MD | 20601 | null | Consent provided | Web | 2022-06-15 | Closed with explanation | Yes | null | 5,673,338 |
2022-10-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair Credit Reporting Act. This creditor has violated my rights under 15 USC 1681 section 602. states i have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not funish an account without my written instructions under 15 USC1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for an purpose. | null | ENCORE CAPITAL GROUP INC. | CA | 92376 | null | Consent provided | Web | 2022-10-01 | Closed with explanation | Yes | null | 6,038,985 |
2023-07-31 | Debt collection | Auto debt | False statements or representation | Attempted to collect wrong amount | Name : XXXX XXXX XXXX : XXXX SS : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone : XXXX Companies involved : XXXX Account Number : XXXX Persolve Legal Group I received last communication from XXXX XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car.
on XX/XX/XXXX I had phone communication with XXXX and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off.
All credit bureau 's and Persolve report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with Persolve with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything. | null | Persolve, LLC - Legal - Series 2 | TX | 75056 | null | Consent provided | Web | 2023-07-31 | Closed with explanation | Yes | null | 7,330,552 |
2019-02-12 | Debt collection | I do not know | Threatened to contact someone or share information improperly | Talked to a third-party about your debt | On XX/XX/2009 Pendleton Capital Management contacted me at XXXX XXXX. Before hours of being able to contact me concerning debt issues. The day before, I learned that they had contacted my other family members that I had not put down in the loan concerning this debt. The representative from their company is XXXX. | null | Pendleton Capital Management | TX | 79118 | Servicemember | Consent provided | Web | 2019-02-12 | Closed with explanation | Yes | null | 3,149,733 |
2018-02-27 | Checking or savings account | Checking account | Managing an account | Funds not handled or disbursed as instructed | On the XX/XX/XXXX, when I tried to access Bank of America 's online bank, the answer I got was that my user did not exist, I thought they were system problems, or that they had closed my account passed to many people.
The next day when I tried to enter I simply obtained the same result, so I took the option to call the Bank of America call center.
The executive told me that my account was not closed, just for some reason I was not online anymore, I had to create a user and do the registration procedure, when I achieve it and see the balance I realize that I'm missing money. I start to review the records and see that three transferences that were made to my account by a sale were reversed. One for u.s.d. XXXX, another for usd XXXX and another for usd XXXX.
I go back to the Bank 's executive and she tells me that the bank that made the transfer went to the bank and stated that her account was cheated and that she had not made those transfers, the bank without investigation or communication or information to my person. the imperative decision to take that money away from me.
I sold some bitcoins from the official website and the payment was via transfer the money came to my account so I released the same As it turns out, in the bitcoins account it now appears that they are scammers, they are dedicated to this. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33178 | null | Consent provided | Web | 2018-02-27 | Closed with explanation | Yes | null | 2,827,741 |
2018-11-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I requested several times that the reporting company verify the accuracy of the information disputed by did not cooperate..The accounts in question have nothing to do with me..Please step up CFPB and take the necessary steps to remove the accounts Bankruptcy chapter XXXX-discharged XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 92120 | null | Consent provided | Web | 2018-11-16 | Closed with non-monetary relief | Yes | null | 3,076,047 |
2022-06-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | On XXXX, XXXXXXXX XXXX I asked Equifax to investigate the below listed accounts for accuracies. On XXXX, XXXX. XXXX Equifax responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal.
XXXX XXXX XXXX # XXXX Account type. inaccurate Monthly payment. Inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXXXXXX XXXX XXXX # XXXX Payment status. Inaccurate Date last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate XXXX XXXXXXXX XXXX # XXXX Account status. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate Date of last payment. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here.
I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof | null | EQUIFAX, INC. | MD | 20774 | null | Consent provided | Web | 2022-06-27 | Closed with explanation | Yes | null | 5,711,163 |
2022-12-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | VA | 23666 | null | Consent provided | Web | 2022-12-26 | Closed with non-monetary relief | Yes | null | 6,360,115 |
2017-05-23 | Debt collection | Mortgage debt | Communication tactics | You told them to stop contacting you, but they keep trying | Ditech continues to call my employer after they agreed to stop this practice and sent me a letter stating all phone calls to my home, my mobile and my work would stop. I have filed numerous complaints concerning this company and their collection practices. They were fined as part of a class action lawsuit concerning their collection practices. This is the third time they have called my place of work since I received the letter stating they will cease all phone calls. See attached. | Company believes complaint represents an opportunity for improvement to better serve consumers | Ditech Financial LLC | MI | 48111 | Older American | Consent provided | Web | 2017-05-23 | Closed with explanation | Yes | null | 2,491,924 |
2020-11-01 | Checking or savings account | Checking account | Managing an account | Problem accessing account | On XX/XX/2020 XXXX XXXX XXXX XXXX merged to become Schools First. Customers were told to activate their debit cards on XX/XX/XXXX and that their old debit cards would no longer be usable. I have been trying to call the activation phone number and log on to the website, but both say that the services are not available. I, along with other customers, are being prevented from using our accounts or having access to our money. Because consumers can not contact the bank by phone or on line, there is no way for us to resolve the problem with Schools First.I am writing this complaint to document the unfair and possible fraudulent behavior on the part of Schools First. | Company believes the complaint provided an opportunity to answer consumer's questions | SCHOOLSFIRST FEDERAL CREDIT UNION | CA | 95608 | Older American | Consent provided | Web | 2020-11-01 | Closed with explanation | Yes | null | 3,930,761 |
2023-05-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Exeter Finance has ignored the fact that I am a victim of identity theft and in fact I have an attorney hired and XXXX turn this account that I did not open over to them to sue In arbitration, this account is fraudulent, I was ask to provide more information by this Exeter Finance I never done business with us to provide my social security card and other information I was informed by several investigators and two attorneys one I do hire for the identity theft issues and now I can turn this account over to this attorney, my information was used to open this account, now Im asking Exeter Finance dont give fees back I dont want to hear it but do want to let you know that as much yall have ignored my complaints and the ftc identity theft report is being documented and printed to show Juat how many times I have filed numerous complaints, heres the deal I dont live at the address yall keep sending information about some car account the person at that address was leaked and now its being used as an address to open accounts thats not my address i have never lived there and my information my license has been stolen and.used yes I had to change my information because of the identity theft and no is the question Im not sending any information through the mail I dont knowing you people and I was informed not to send anything I am a victim of identity theft and do me a favor just take this off my credit report it wont be worth my suing yall in arbitration, or court it doesnt matter to me, I got so much information to show that my social security number and drivers license number has been leaked on the XXXX XXXX by XXXX XXXX just to let you know I won my case against XXXX XXXX I have a data breach proving my information was leaked and compromised by XXXX XXXX, either a choice here, whats it worth, I can send numerous of documents showing he identity theft from a incident with the XXXX where a scammer in another Country use my information to file and try to defraud the government out of thousands of dollars now I am a victim of identity by the us government, and I do have a police report filed by me against XXXX XXXX for identity fraud XXXX and I have ftc identity theft reports its the SAME Thing AS A POLICE REPORT and acts the same, so take my complaint and my issue seriously, I will seek arbitration and have this lawyer collect damages, now just delete the that account off my credit report and stop using my information as a result of intimidation, I will send some documents to inform and show but do not ask me for any documentation wont happen Im trying to get my life back from all the identity theft I have been through I have accounts open in my name, and Im getting fired of it now delete this account or will sue XXXX and Exeter Finance, I have all these complaints I will send notification to this lawyer about this matter thank you, now delete XXXX or I will XXXX XXXXXXXX In arbitration. | null | Exeter Finance Corp. | GA | 30101 | Servicemember | Consent provided | Web | 2023-05-18 | Closed with explanation | Yes | null | 6,989,224 |
2022-12-06 | Student loan | Private student loan | Dealing with your lender or servicer | Trouble with how payments are being handled | I submitted a payoff to Navient on the loan ending in XXXX on XX/XX/XXXX, in the amount of XXXX, resulting in an overpayment of {$57.00}. Navient held onto this money for over 2 months due to internal policy, never asking me where to send repayment, and instead decided it must be the XXXX and issued a check that was sent to the wrong address.
Regardless of whatever their internal reasons for delay were, this - {$57.00} balance was open and active from XX/XX/XXXX until it was finally returned to me on XX/XX/XXXX. And, per our contract, 5 % interest is due on any loan amount. I hereby demand Navient pay me due interest on their borrowing of {$57.00} for me for 2 months, which with 5 % daily interest on {$57.00} over 55 days comes to about {$0.00}.
I wouldn't be this petty if it weren't for the equal treatment I've received from this savage monstrosity of a company. I request simply what I'm owed per our signed promissory note. Please find my signed promissory notes with Navient attached. | null | Navient Solutions, LLC. | NY | 11231 | null | Consent provided | Web | 2022-12-06 | Closed with explanation | Yes | null | 6,287,769 |
2021-09-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I have know knowledge of this account and i did not authorize the reporting of this account onto my reports. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CORELOGIC INC | NJ | 080XX | Servicemember | Consent provided | Web | 2021-09-10 | Closed with explanation | Yes | null | 4,710,331 |
2021-05-19 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I moved during Covid worse in XXXX XX/XX/2020 and was told not to come in to XXXX store to return cable box i hung on to it never heard back from them even though I still am a customer ... they sent it to collections named XXXX XXXX XXXX it dropped my score 98 points after being alerted of this by XXXX I called XXXX and went in returned the box worth {$59.00} ... I was never told this would go to collections I was told to hold on to it I need this REMOVED from my reports not just marked as paid COLLECTIONS | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 10023 | null | Consent provided | Web | 2021-05-19 | Closed with explanation | Yes | null | 4,389,618 |
2020-10-08 | Debt collection | Other debt | Attempts to collect debt not owed | Debt is not yours | I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. | null | CL Holdings LLC | MA | 02302 | null | Consent provided | Web | 2020-10-08 | Closed with explanation | Yes | null | 3,889,422 |
2023-03-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | Dear Transunion, I am writing to dispute the hard inquiries that appear on my credit report. According to my credit report, there are several hard inquiries made on my credit profile that I did not authorize, and I believe that they are affecting my credit score negatively.
As a consumer, I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which grants me the right to dispute any inaccurate or incomplete information on my credit report. I understand that the FCRA also requires the credit bureaus to investigate any disputes within 30 days of receiving a dispute request.
I have carefully reviewed my credit report and noticed that there are inquiries that I did not authorize. I have not applied for any new credit recently, and I am certain that I did not authorize these inquiries. Therefore, I request that you investigate and remove these unauthorized inquiries listed below from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 I request that you investigate and resolve this matter as soon as possible.
Thank you for your attention to this matter. I look forward to hearing from you soon.
Sincerely, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | IL | 60441 | null | Consent provided | Web | 2023-03-09 | Closed with explanation | Yes | null | 6,670,902 |
2022-10-10 | 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 | In the process of trying to get a loan last week, I was informed by the Lender that my Current mortgage loan ( since XX/XX/2022 ) with Americu Mortgage does not appear in any of the credit report companies. I called Americu on Friday XX/XX/2022 for an explanation and was told that they will look into this. I called again today, Monday XX/XX/XXXX, and was told a ticket to look into this was in the company computer and it would take 72 hours to review it.
I am very concerned about this because it is affecting my credit score negatively.
Isnt this illegal that they havent been reported my debt and monthly payments to the credit bureau since XXXX of this year. This really worries me.
Looking forward to hearing from you. Thank you. | Company believes it acted appropriately as authorized by contract or law | TOWNE MORTGAGE COMPANY | IL | 60651 | Older American | Consent provided | Web | 2022-10-10 | Closed with explanation | Yes | null | 6,069,938 |
2022-08-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | Company picked up furniture sold it and put it on my credit report that not one payment was made. Account was sold to a collection agency who dont have no info on it.. | null | V and H Portfolio | IL | XXXXX | null | Consent provided | Web | 2022-08-15 | Closed with explanation | Yes | null | 5,878,826 |
2020-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. Contacted the Federal Trade Commission and filed a complaint # XXXX, Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize, which are attached in the following attachment. | null | EQUIFAX, INC. | FL | 33435 | null | Consent provided | Web | 2020-09-08 | Closed with explanation | Yes | null | 3,835,283 |