davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service representative.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear CFPB, I hope this letter finds you well. I am writing to request your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) and to share with you the profound impact that recent violations have had on my life. 

In recent months, I have encountered egregious violations of the FCRA by several creditors, which have taken a significant toll on my financial well-being and emotional state. Below, I outline these violations and provide a deeply personal account of how they have affected me : 1. XXXX XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : It is evident that my authorization was not obtained for this credit inquiry. 
2. XXXX XXXX ( Account number : XX/XX/XXXX ) - Unauthorized Credit Inquiry : Violation : I did not authorize this credit inquiry, leading to a breach of my privacy and potential harm to my creditworthiness. 
3. XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : I have no affiliation with the business associated with this account and believe it was inaccurately reported on my credit report, causing distress and uncertainty. 
4. XXXX XXXX XXXX ( Account number : XXXX ) - Inaccurate Reporting : Violation : The account details are vague and questionable. This inaccuracy has created confusion and frustration, affecting my peace of mind. 
These violations have left me in a state of anxiety and uncertainty, impacting my ability to secure loans, housing, and employment opportunities. The emotional distress I have experienced can not be overstated, as I have felt helpless and overwhelmed by the damage inflicted on my financial reputation. 

I kindly request that the CFPB intervene and take appropriate actions to ensure the enforcement of my legal rights under the FCRA. Specifically, I urge you to investigate these violations thoroughly and expedite the removal of these unverified and unauthorized accounts from my credit report. 

I understand the critical role that the CFPB plays in safeguarding consumers like me against unfair and unlawful practices. I am relying on your expertise and dedication to justice to rectify these violations promptly and help me regain my financial stability and peace of mind. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please do not hesitate to reach out to me if you require any additional information or documentation to proceed with this dispute. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

These inquiries on my credit report are a result of identity theft. 


XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, and XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$60.00} ; XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX Balance Owed : {$880.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of XXXX date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX XXXX 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX has refused not once..not twice but 5 times to update the amount owed on my credit report..Experian has contacted them 5 times I called them they still refuse to update my credit report... two months now. Needless to say once paid off I WILL NEVER USE THEM AGAIN
Consumer complaint received 2017-05-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (GA)

I was not notified that I had this alleged debt and I also wanted notified that this debt was being placed on my credit report. I have medical insurance so I was n't even aware of an alleged debt owed to anyone. I 've sent letters to AR Resources advising them to validate this debt because they 've violated th e HIPPA law.  I sent them a certified letter of  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX ,   XXXX   they sent me a letter stating that I owed {$1400.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. This is a violation of  the HIPPA la w. Then on  XXXX   XXXX ,   XXXX   I receive another letter for this same account stating that I owe {$190.00} ; attached with that letter they had a bill with, the date these procedures supposedly took place, a breakdown of the procedures that were preformed as well as the medical codes for these procedures, the bill had a doctors name on it, with the amounts for each procedure cost. In the comment section it stated that what the explanation field was for at the top with the numbers in them.  ( 1 ) meant Insurance Contractual Allowance and ( 2 ) Insurance Deductible.   This company has placed  XXXX  separate collection accounts on my credit report with  XXXX  and  XXXX  for the amounts of {$180.00}, {$1400.00}, {$75.00} and and then on my   XXXX    report they 've have {$1400.00}. From the information that sent me in these letters all of these charges for on the same bill, so why did they place  XXXX  separate collections on  XXXX  and  XXXX . The original creditor has violated the HIPPA law because they provided information that I did not give them permission to share with a third party. They 're also providing inaccurate information to the credit bureaus as well as to me.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting this as a follow up complaint against Transunion. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the entitlement to accurate and current credit information, and I anticipate that my rights will be upheld. I have already made numerous attempts to have these inquiries removed over the past few months, but they persist on my credit file. Once more, I kindly request the immediate removal of the following inquiries from my Transunion credit reports. 

Despite multiple written requests, the unverified inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action. Please follow the law so that this matter can be resolved as soon as possible. 

This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report. This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report. This inquiry was not authorized XXXX XXXX XXXX XXXX ( XXXX XXXX ) Date of inquiry : XX/XX/2022 - Please remove it from my credit report.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

I WAS GOING THRU MY INFORMATION FOR TAXES AND SAW A CHARGE FOR {$4000.00} ON MY CREDIT CARD # XXXX XXXX XXXX XXXX  ON XX/XX/16  CHARGED BY XXXX XXXX. I CALLED CHASE AS SOON AS I FOUND THIS CHARGE I SPOKE WITH THE FRAUD DEPARTMENT HER NAME WAS XXXX  THEY SAID THEY WERE CREDITING MY ACCOUNT AND OVERNIGHTING A NEW CARD. ONCE I GOT THE CARD THE CREDIT WAS THERE, BUT AFTER ABOUT A WEEK I GOT A CALL FROM AN INVESTIGATOR NAMED XXXX AT PHONE NUMBER XXXX   EXTXXXX SAYING THAT THEY WERE REVERSING THE CREDIT BECAUSE THEY HAD MY SIGNATURE ON THE PURCHASE I EXPLAINED THAT IT WASNT MY SIGNATURE, AND THAT I DIDNT DO BUISNESS WITH THIS COMPANY! I GOT OF THE PHONE AND CALLED MY NIECE WHO HELPS ME WITH THINGS LIKE THIS AND WE CALLED THE WOMAN BACK AND NO ONE HAS HELPED ME! I AM RECOVERING FROM XXXX XXXX XXXX XXXX AND CAN NOT HANDLE THIS STRESS! NOT TO MENTION I AM ON XXXX FOR THE LAST 6 YEARS! I AM UNABLE TO WORK AND AM ON A FIXED INCOME WHAT THEY HAVE DONE TO ME IS NOT OK! I DID NOT SIGN ANYTHING AND NEVER GAVE ANYONE PERMISSION TO USE MY CARD! HOW COULD THEY TREAT A SENOIR CITIZEN IN THIS WAY!
Consumer complaint received 2023-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report. Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. I demand that they rectify these violations and provide me with an accurate and updated credit report immediately. With that, I am asking for your assistance to delete or remove these inaccurate items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-10
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (GA)

I have been trying for sometime now to open an account with this bank. I apparently have a membership but for some reason a verification process is still pending years in a row. I have called Navy Federal and Im getting no where. I would like to be able to open my account. What is the hold up.