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Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | According to my research about FCRA 605, credit bureau are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$94.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Student loan | Federal student loan servicing | They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The inquiries listed in my report were inaccurate.I requested that they investigate these and analyze my files by sending letters to all 3 credit bureaus. The reality that these inquiries continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inquiries listed below : XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting or other personal consumer reports | Credit reporting | The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved. |
Credit card or prepaid card | General-purpose credit card or charge card | On XX/XX/23 I noticed 2 charges from XXXX on my Bank of America Visa credit card. I did not make these transactions, and I opened a fraud claim with the bank ( claim XXXX ).
The bank subsequently informed me that they were closing the account.
On XX/XX/XXXX, while attempting to get some status on the claim, the Fraud department notified me that a payment was due, so I made a payment of {$1200.00}.
On XX/XX/XXXX, I received the attached notice from the bank, stating that I had confirmed that the charges were no longer in dispute. This is factually incorrect.
I have never received a final statement on the account, for the charges in the last payment. I can not reach the bank through online or phone channels, so I have mailed a letter to the bank requesting them to re-open the claim and send me a final statement. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Transunion will not remove fraudulent inquiries off my credit report. I have reached out to them numerous of times, and explained to them those are fraudulent unauthorized charges and filed police reports XXXX XXXXXXXX FD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act, the following accounts have violated my rights.
15 U.S.C 1681 section 602 A. states that I have the right to privacy 15 U.S.C 1681 section 604 A subsection 2 also states that no consumer reporting agency is aloud to furnish an account without my written consent 15 U.S.C 1681 c. ( A ) ( 5 ) also states that no consumer reporting agency may make any report for any items other than records of conviction of crimes Account # XXXX XXXX XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX for a late payment in XXXX of XXXX Account # XXXX XXXX XXXX ( XXXX XXXX ) for a collection of {$700.00} There are also accounts that I was not able to get the account numbers for that I also believe have violated my rights. These accounts include any hard inquiries or student loans that are currently on my report |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act, XXXX 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 an account without my written instructions. |
Student loan | Federal student loan servicing | My interest is being capitalized on my student loans unlawfully and because of XXXX 's unlawful practices. I pay my student loans based on an income based repayment plan. I received a notice on XX/XX/XXXX, that I would need to recertify my income in about two months and if the recertification was not received by XX/XX/XXXX, my payment would go up. On or about within 72 hours of receiving the notice to complete the recertification, I uploaded my application on the XXXX website on XX/XX/XXXX, and on XX/XX/XXXX, I received a notification that the application was incomplete and needed additional information. I uploaded the requested information to XXXX on XX/XX/XXXX, two weeks before the XX/XX/XXXX, deadline from the XX/XX/XXXX, letter. Pursuant to the letter dated XX/XX/XXXX, my correct application was received two weeks prior to XX/XX/XXXX, and my application should have been processed and not resulted in an escalated payment in XX/XX/XXXX. I realized I had not had a response on my income based repayment application and called XXXX as well as resubmitted my income based repayment application again just to be double sure it was received. I requested my new payment amount and was told that my application had not been processed due to a backlog of unprocessed recertifications on XXXX 's part. I asked that my payment be recalculated so I could make my XXXX payment. I was told that could not be done and a new bill could not be issued for XX/XX/XXXX and once mentioned I would be filing a complaint with the CFPB, which I have done, the call was escalated and I was told by the representative that they would go ahead and immediately process my income based request and would try to have the XXXX payment corrected, but they could not guarantee that would happen. I called at the end of XX/XX/XXXX when I noticed I had no automatic debit for XX/XX/XXXX scheduled on my account and the representative told me XXXX had placed my loans on a forbearance without my permission and the type of forbearance was a status that signified that it was due to a servicer issue. I specifically noted how that would affect me by extending when my loans will be ultimately forgiven and how this was done through no fault of my own. I also specifically asked about interest capitalization and was told that would NOT happen because the status of the forbearance was due to a servicer issue. I received an email tonight, XX/XX/XXXX, at XXXX XXXX stating that if the interest was not paid by XX/XX/XXXX, outstanding interest in the amount of {$18000.00} is going to be capitalized. I did not request a forbearance, change in repayment plan, etc. XXXX did not process my recertification application in time and placed me into a forbearance I did not request and is now going to capitalize {$18000.00} in interest on my student loans. This is unlawful and an abuse of power. I am looking for someone to assist in correcting XXXX 's egregious wrongs. PLEASE HELP! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven`t seen any investigation results. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am victim of Identity theft. Please delete those hard inquiries off 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 |
Debt collection | Credit card debt | Couch Lambert has violated the following FDCPA declaration and violations : 802. Congressional findings and declarations of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
Comment : I believe Couch Lambert has invaded my privacy, caused me stress, and have impeded my ability to secure professional employment.
807. False or misleading representations ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; Comment : An original agreement was never givenThe debt was settled in XX/XX/2019 with XXXX XXXX XXXX for a much lower amount.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
Comment : I was disgraced and humiliated during court proceeding ; they were awarded a huge summary judgment as a result.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Comment : Couch Lambert ignored multiple requests for discovery evidence. Couch Lambert made no effort to secure proper and full records. Couch Lamberts lawyer emailed me a hardship form ; when I asked her if this was the hardship form for their client, XXXX XXXX XXXX, she replied that was the form and again emailed the same from. The form was actually a debt collection form so they could gain more information about my finances before getting a judgment. I will attach the form.
812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Comment : They furnished a debt collection form with Couch Lamberts name which she said was XXXX XXXX XXXX hardship form. I do not think XXXX XXXX XXXX was even participating. I have talked to other legal counsel and they said they believe this to be a disbarment level offense by the Couch LambertXXXX XXXX XXXX counsel XXXX
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
15 USC 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; Comment : They have received a judgment for {$11000.00} and for all the costs of the court. I never even received any documentation saying they were legally representing XXXX XXXX XXXX, never received any contract or validation of debt or full records, and this judgment is to be sent to their XXXX office, not XXXX XXXX XXXX. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | They changed my current address to an address that was my previous address over 10 years ago and refuse to fix it. I have uploaded and submitted my drivers license and mortgage document as proof but nothing has been done. |
Checking or savings account | Checking account | The first week of XXXX, I went to my bank, Citizens Bank to get my account number to file my 2020 income tax returns. On that day, an employee of the Bank, a teller had me at his window and asked that I swiped my Debit card. After that he suggested to dictate the number to me which I refused. I asked him to give me a print out instead. He gave me the print out with my name on top then an account number and the Bank routing number. The next day I went to my accountant to have my return e-filed and directly deposited my refund. Few weeks later my refund never reached my account. I called the accountant who told me that my refund was deposited into my account few weeks ago. I checked my account again with no success. The accountant had suggested that I return to the Bank. I went to Citizens Bank located at XXXX XXXX XXXX, XXXX MA to enquire about this. I spoke to an employee who told me that the account number that was given to me belongs to a bank employee. My refund ended being deposited into the following account XXXX and routing number XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Equifax continues to keep me lock out of my report. I am unable to login to myequifax.com. They are also reporting an account that does not belong to me and I can't dispute the information without logging in. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Paid Accounts are still appearing on the Credit Reports which should be removed or deleted. By showing on the Credit Reports it is reducing my credit score.
XXXX XXXX XXXX - Open XX/XX/XXXX for {$200.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$170.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$95.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX XXXX XXXX XXXX - Open XX/XX/XXXX for {$110.00} Paid XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
PLEASE SEE ATTACHED LETTERS. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair credit reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602A. States I have a right to privacy.
15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Transunion, I have made them aware of the fraud inquiries due to identity theft and they won't remove them. it's 70 inquiries its no way I would do something that stupid. i have reported over and over since 2021 and inquiries have still been made now I put a freeze on all my reports, please help me get these inquiries removed for good thank you |
Credit reporting or other personal consumer reports | Credit reporting | The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXXDISMISSED XXXX {$0.00} |
Credit reporting or other personal consumer reports | Credit reporting | When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and 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 |
Debt collection | Medical debt | Americollect called me on XXXX XXXX, XXXX, at XXXX XXXX and I could not answer the phone for them. I checked my credit, and it shows them 6 times on my credit report ; three of them are the same amount. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the amount of {$680.00}. They also have XX/XX/XXXX - {$560.00}, XX/XX/XXXX - {$710.00}, and XX/XX/XXXX - {$1000.00}. In the state of Georgia, the debts are actually uncollectible after 4 years and these collections are over the 4 years mark. Also, I did not give my content nor do they have anything written nor signed by me that they have the authority to be collecting old debts nor have I given them any of my information. Due to this situation, I am not being accepted to open a joint account with my husband. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | The XXXX XXXX XXXX and XXXX service has fraudulently put a negative item on my credit report. I have attached appropriate documentation. I demand that this item is removed immediately. |
Debt collection | I do not know | Must be some other XXXX XXXX XXXX I would have definitley rememebered staying in a $ XXXX apartment.. must have been a loft..
I have sent Resident collect several documents and requested a full removal of this collection and they refuse to send me confirmation or even take my information seriously.
I have documented several instances where they 've violated the FCRA, FDCPA, and best of all the FACTA.. guess they really feel like their above reproach.. makes me wonder how many people out there are being slighted or ripped off by this company.
Attached are my id theft documents. I can upload the times, dates, and other docs on resident collect if it would help prove my initiative to make contact. thanks XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I disputed some incorrect information that was showing on my XXXX, Equafax and XXXX credit reports. All three CRA 's came back with " Verified as Accurate '' yet all three CRA 's are showing different information that is unverified and inaccurate.
I will explain the issues and attached the credit reports I was given after the dispute came back " Verified as Accurate ''. Equifax did fail to send me an updated Credit Report after the information was allegedly verified as accurate.
XXXX - The Before Dispute is showing No monthly payment, and Date of Status as XX/XX/XXXX. The After Dispute is now showing a Monthly payment of {$88.00} on a charged off/closed account. This itself is a violation and reason for deletion. The Date of Status is moved back to XXXX of XXXX?
XXXX provided me with an updated Credit Report showing the the account is " Verified as Accurate ''. The Date Updated is showing XX/XX/XXXX which leads me to believe there was no investigation into the account since the other disputes I filed with XXXX are showing the Date Updated as XX/XX/XXXX. In the " Remarks '' section it is showing PAID IN FULL/WAS A CHARGE OFF. Was this account Paid in Full or was it a Charge Off? How can it be a charge off if it was Paid In Full? Also, the Last Payment Made is showing XX/XX/XXXX but the payment grid is showing Paid as Agreed until XX/XX/XXXX with the first late was XX/XX/XXXX. If the last payment made was XX/XX/XXXX wouldn't the first late be XX/XX/XXXX or, if the first late was XX/XX/XXXX would the last payment be XX/XX/XXXX Equifax did NOT notify me that the dispute was resolved nor did they provide me with an updated credit report. The credit report I am attaching for Equifax is from the XXXX 3 Bureau Report that I purchased. On this credit report XXXX is showing a Monthly Payment of {$88.00} on a closed account. Again, a violation and reason enough for immediate deletion. The status update is showing XX/XX/XXXX while the Balance Update is now showing XX/XX/XXXX which I believe is illegal re-aging and another violation.
Also, XXXX 's After Dispute report is showing a 30 day late in XXXX of XXXX with the charge off in XXXX of XXXX. XXXX is showing a date closed of XX/XX/XXXX with multiple lates. Equifax on the other hand is show the account closed with no date but, a perfect payment history through Apr of XXXX. How is this possible id the other CRA 's are showing the account closed sometime in XXXX?
How is it possible that three CRA 's can investigate these disputes and all three come back with different incorrect information if they are all three contacting the same data furnisher during their investigations. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am |
Checking or savings account | Checking account | I opened an account with TD Bank XX/XX/XXXX. I was supposed to receive a {$300.00} checking account promo after deposit requirements. Deposit of {$2500.00} within 60 days of account opening and promo will be deposited to my account. I have met the requirements as confirmed by many representatives. One XX/XX/XXXX, I spoke with rep name XXXX who spoke with their manager and confirmed again the criteria was met and they submitted an inquiry with the " promo team '' I was told, it will be reviewed and deposited on my account in a week. Called again on XX/XX/XXXX and spoke with rep name XXXX who stated account was noted as me not meeting the requirements asked to speak with a manager and talked to XXXX who also reiterated the same but could not provide the terms and condition. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was directed to TransUnion from XXXX, a site recommended by the federal trade commission website on XX/XX/XXXX. Transunion does not distinguish between free credit report and free credit score, one of which is not free. It sucked me into to paying a {$24.00} subscription fee to view a credit score when I just wanted my annual free credit report. The site relentlessly loops you, making it extremely difficult to cancel this automatic subscription. Transunion is dishonest and does not make it apparent what product you are signing up for. |
Debt collection | Credit card | Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago. |
Debt collection | Medical debt | TeleRecovery of Louisiana was showing on my credit report. I called to inquire about the collection reporting. The representative that answered the phone was very rude to me. I filed a complaint with the Office of the Attorney General of Louisiana. The Attorney General Office took my complaint against the agency. They submitted my complaint to the company, Telercovery of Lousiana. A representative, named XXXX, worked with me to resolved the issue in a professional and ethical manner. However, the company representative was not professional and used an abrasive tone with me when I first made contact to inquire about the debt. However, I paid the debt, and it was removed from my credit file. The general manager, XXXX XXXX XXXX did not reach out to me to obtain my side of the story. She assumed that I did not make sense as she sided with the inexperience representative. She tried to portray me as argumentive in her response. Her response had a lot of grammatical errors that portrays her as unintelligible in her written response to XXXX XXXX XXXX. The company never sent me an itemized bill for debt verification to retain for my personal records. The company did not have the correct address but did have my phone number on file. This was an attempt to collect an old debt, due to COVID-19, which has past the statute of limitations for debt collection. XXXX XXXX XXXX XXXX should be knowledgable about the time frame a debt can be collected. I do think that she and the unnamed representative are unprofessional and lack professional etiquette for effective customer service. |
Debt collection | I do not know | Midland Credit Management INC Cease to provide me all the information i'm seeking. They keep sending me the same paperwork that I have no recollection of. Nothing baring my original signature, a contract showing that I entered into a contract with you, Payoff disclosure, Interest rate disclosure, and credit Insurance. You keep sending me 129 pages of nothing what I'm asking for...
By me going through this alleged debt dated back XXXX.
You have already broke the law when you re-aged this alleged debt on my consumer report, stating XXXX and XXXX. Totally against the FCRA / FDCPA.
Also I'm full aware what a charge-off means. Which means a charge-off is a cancel debt. Which I should have received a 1099c. That I never received, and If you owned this alleged debt. send me my 1099c.
Also The company that sold you this alleged debt. Has gotten paid from this debt 3 times This company knows that there is an insurance built in finance charge that protects the lender against the obligors default or other credit loss. So In reality they have gotten paid from an Insurance claim, a tax deduction, and from you guys. So if you purchase this alleged debt. Send me my 1099c because you put this charge-off on my consumer report.
And Like I stated the last time. An Attorney is not a debt collector, and a debt collector is not an Attorney.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
CC : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : AttorneY, General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints!!! ENOUGH IS ENOUGH!!! |
Vehicle loan or lease | Loan | On XX/XX/XXXX I made 2 payment via XXXX bill pay to Wells Fargo Dealers Services. The first on in the amount of {$4900.00} was a payoff of the car loan and second in the amount of {$3000.00} was made in mistake. I called WF to explain what happened that I 'm owed over payment of {$3000.00}. After few calls, they locate that money and said they will issue a check on XX/XX/XXXX. I waited and waited and called them yesterday since it 's been over a month and I have n't received anything yet or seen anything in my bank account. They said that they sent a check to Payment Processing Center, XXXX XXXX XXXX on XX/XX/XXXX. Why I asked they why they sent it there, they had no explanation. It should have been sent either to my home address on a loan or via direct deposit since payment were made through bill pay. I asked them to put a stop payment on a check and issue a new one and send it to my home address. They refused because it was cashed on XX/XX/XXXX. I called a bank 3 times yesterday and they can not locate anything. I asked WF about prof of being cashed but they refused to send me anything. My hands are tied now, bank says they do n't have anything and WF claims the money was sent! What am I supposed to do now? I spend 2.5 hours on the phone yesterday going back and forth and nothing! And XXXX XXXX XXXX? It sounds like scam! If I were late on my car loan, I would have been charged late fees. I not only can not charge late fees on my {$3000.00} that they have but ca n't even collect my money back from them! |
Student loan | Private student loan | I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ).
Now my situation is different. I am on Social Security and scrambling to make ends meet.
Thank you. |
Credit card or prepaid card | General-purpose credit card or charge card | I was a with COMENITYBANK/XXXX customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/XXXX I pulled my annual credit report with all 3 credit repositories and found that there is information reporting incorrectly on my report.
I filed for a BK XXXX in XX/XX/XXXX. Papers filed were to reinstate both my home mortgage and my car loan. No debtors appeared at my hearing for debtors and there were no objections from the trustee to reinstating my selected accounts and discharging the others. My BK was discharged XX/XX/XXXX.
I had no mortgage or car payment late pays prior to, during or after the BK. The trustee was well aware of my desire to reinstate my mortgage and car loan. Again, there were no objects to my request. There were no changes, modifications, etc to the original agreements for these loans and therefore, no need for reaffirmation ( which is only my civil legal liability to the loan and not my payment history ).
I discovered that my auto loan account is reporting Discharged Through BK Chapter XXXX / Never Late, along with, current payment history on the auto loan thru XX/XX/XXXX. However, the account is being reported as closed as of XX/XX/XXXX. Again, this is inaccurate as this debt was reinstated, not discharged and it only serves to negatively impact my credit rating.
I contacted my auto loan carrier at XXXX whom stated that they have not reported my account as closed and have reported all of my payments. They did a soft pull on my XXXX and said XXXX was no longer reporting any of my payment history and that they run into this kind of thing frequently and have tried to address with repositories whom only say that they have the option to report as they choose. I would believe that this is in direct violation of the Fair Credit Reporting Act, but I will leave that to the investigation of the CFPB.
I also discovered that my mortgage history was reporting through XX/XX/XXXX, again with Discharged Through BK Chapter XXXX / Never Late and closed XX/XX/XXXX. Again, inaccurate as this debt was reinstated, not XXXX.
Since my original mortgage with XXXX, my loan has been serviced by multiple servicers, however, the newest one is now XXXX XXXX XXXX, who is not reporting to my credit at all. I contacted them at XXXX and the representative advised me that it is their policy to make no credit reporting at all without a reaffirmation agreement. I explained that I live in Arizona which is a title and deed state, meaning my vested interested in the property never changed and again, no affirmation is required as there were never any changes made to the original loan agreement, via terms and payments which would affect what is reported to credit history. I asked if there was an escalation process to request that my payments be reported to the repositories and again was told that this is a part of their policy. From a consumer point of view, this would appear to be extortion.
I am in complete understanding that once a BK is filed, this affects the WAY a creditor can attempt to collect their debt which is governed by the Fair Debt Collection Practices Act. I am also aware that under the Fair Credit Reporting Act, the periodic statements can be affected. I can understand my credit report showing that there was a Chapter XXXX BK filed and the correct debts that were in fact discharged for up to 10 years. I fail to understand how these 2 creditors and 3 credit repositories, as a part of their policies and practices are reporting inaccurate information to my credit profile under, which is negatively impacting my credit FICO score, as well as, my financial offerings, believe that their actions of extortion are acceptable. In other words, they are refusing to correct their erroneous reporting of the correct status ( REINSTATED / CURRENT ), as well as, payment history to these accounts. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the fair credit reporting act XXXX account ( s ) has violated my rights : XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.
15 U.S.C 1681 section 604 A. Section 2, Also states that a consumer reporting agency can not furnish an account without my written instructions. |
Checking or savings account | Checking account | on or around 8/17/2022 consumer debit cards were lost/stolen. the consumer contacted chase bank and reported the fraud XXXX new debit cards were ordered and the old ones were canceled. Numerous items were ordered in error ... i.e.
XXXX atm- {$330.00} dollar charge XXXX. XX/XX/XXXX {$580.00} XXXX. XX/XX/XXXX - {$30.00} XXXX. XXXX {$500.00} XXXX. XX/XX/XXXX - {$500.00} Chase bank utilizes out-of-the-country customer service which limits communication and understanding of everyday life here in the states. The claims were all denied and the verbal reason given was that there were other charges not disputed. consumer advised that many of the charges that were not reported are ones that are automatically deducted from companies that utilize a saved credit card function. I was then told to send in more proof which I did. Not to mention that the charges were not in my area, and the major factor is that my funds are insured by FDIC up to {$250000.00} for instances like this.
the consumer was turned down a second time without cause. Chase has placed great stress on the business of the client by not protecting the client. |
Debt collection | Mortgage debt | OLS is involved in unfair and deceptive consumer practices with regards to our loan servicing. OLS provides us with false or misleading information regarding the amount due on the original term of the loan. Refuses to provide us with the accurate amount in arrears. OLS botched up our loan modification by providing misleading, incomplete information in an attempt to collect more than what it is required to collect. OLS refuses to reinstate our loan even after we informed them that we were willing to pay the total sum in arrears, approximately {$10.00}, XXXX dollars, as per the original note and mortage after a referee had determined, in a previous law suit that a specific amount is now due and owing and a down payment in the amount of XXXX, XXXX dollars was paid to reduce that determined amount with a remaining balance of about {$10.00}, XXXX dollars. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | account PAID IN FULL. dispute d A MILLION TIM ES. here IS PROOF IT WAS PAID. pleasE REMOVE THIS INCORRECT INFORMATION. |
Debt collection | Other debt | This company, which I hold no contract with nor have received services from, reported a collection amount against my SSN in the amount of {$1300.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification and validation of the debt, including a wet signature on the document of my alleged debt, however, the business failed to provide adequate proof. Considering this business does not have a signed contract with me for goods and services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX, XXXX.
Account number : XXXX Account name : XXXX, XXXX.
Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case |
Debt collection | I do not know | I have tried multiple times to rectify the debt which in the state of Texas has to have a bond in order to collect anything which they do not have making what they are doing illegal |
Debt collection | Medical debt | On XX/XX/2023, AWA Collections continued to report a medical debt of {$100.00} and adding interest of {$120.00} on my XXXX credit report from XXXX XXXX XXXX and I live in California. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it was paid by health insurance. AWA Collections advised me they were going to leave it on my XXXX credit report until I paid it because it damages my credit. AWA Collections should not be reporting any medical debt whatsoever under {$500.00}. They are violating the provisions congress put in place to protect consumers under the Medical Debt Relief Act of 2023. I disputed this with them and XXXX electronically and verbally twice. They said they would continue reporting it to damage my credit until they were told to removed it. AWA collections should immediately stop reporting medical debt under {$500.00} and delete this medical debt paid by my insurance from my XXXX consumer credit file. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers, |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Good evening, I am XXXX XXXX XXXX XXXX XXXX a federally protected consumer. Pursuant to section 605B of the Fair Credit Reporting Act, I am requesting Equifax block and remove all that I mentioned in my FTC Identity Theft report and circled in RED on the consumer report I got from Equifax on XX/XX/2022. I have provided everything section 605B has stated I needed to block and remove items as a result of identity theft. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XX/XX/2023, I initiated complaint # XXXX with the CFPB regarding potential fraudulent actions related to a hard inquiry on my Equifax credit report. As a response, the XXXX XXXX XXXXXXXX XXXX XXXX sent me a letter confirming that the hard inquiry was not initiated by me. They stated that they would send this confirmation to the Equifax credit bureau and requested me to wait for up to 30 days.
As of XX/XX/2023, the hard inquiry still appeared on my Equifax report. I contacted the XXXX XXXX XXXX XXXX XXXX to verify if they had sent the confirmation to Equifax. On XX/XX/2023, an associate from XXXXXXXX XXXX contacted me by phone and confirmed that the request to remove the hard inquiry had been sent to Equifax in XX/XX/2023.
On XX/XX/2023, I initiated a dispute regarding the hard inquiry with Equifax. However, as a result of the dispute, I received a message instructing me to contact the agency that initiated the hard inquiry and ask them to report the changes to Equifax. This seems to be an infinite loop, suggesting that either one of the mentioned institutions did not send a confirmation or did not accept it. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my 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 |
Credit card or prepaid card | Store credit card | Due to recent financial hardship I went over 90 days past due. So i got in contact with XXXX to set up a payment plan to bring my account to current, the deal that was made was {$88.00} a month no interest if I agree to close the account and stay current on payments if I failed to do so the deal was off so I gave them my bank account and routing number to take the payment and was settled from there I believe this occurred XX/XX/XXXX. On XX/XX/XXXX I went to pay and it showed a balance of {$300.00} assuming this was a error I called XXXX, and was told the the agreement was voided due to non-payment, I replied with the bill is not due till XX/XX/XXXX and they said the original payment was never made, I verified they had the correct account which they did so I proceeded to contact the bank to find out what happened since there was plenty of money for XXXX to take. The bank told me that there was never a transaction attempted by XXXX in that time line. I then called XXXX again and explained to them what the bank had told me and they refused to help me at that point trying to tell me the fault was on my end not theres. In my point of view they purposely did not run the payment to try and void the agreement to continue to collect the interest which I had said to the manager that I was speaking with and she just continuely said they are no longer willing to help me and proceeded to report me negative to the credit bureau, at that point I sought legal advise and was told reporting to you was the best course of action |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent.
XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist.
THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me. |
Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | On my drivers license report check it indicates that I was sanctioned for vehicular homicide but that is incorrect. The charge was " XXXX XXXX XXXX XXXX '' as no one died in the incident and this can be verified by iowacourts.gov website and the iowa court system. I would like this fixed as XXXX XXXX is a lot more serious of a charge and implies that I am a XXXX even though I have never XXXX anyone. Thank you. The control number is XXXX. |
Student loan | Federal student loan servicing | XX/XX/XXXX I requested XXXX loans, XXXX for {$4000.00} and XXXX for {$2600.00} ( total {$6200.00} ), to attend XXXX XXXX XXXX in XXXX, WY. I graduated XX/XX/XXXX.
Over the next several years I paid my loan to XXXX XXXX intermittently at best. I took forbearance 's and deferment 's as much as I could, paying when I could. I now work in the railroad industry, and work has been on and off over the years, as were my payments. Over the last several years my payments have been on time. I have paid over {$12000.00} since XX/XX/XXXX ; I do not have records of the payments I made over the 10 years before that.
At this point I have paid over double the amount borrowed. At the current rate should I continue my current payment plan will end up paying approximately six times the amount borrowed. XXXX XXXX and now Navient have raised my payments over the years. I had got them at one point to lower my payments only to have the raise again recently to over XXXX dollars a month. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | MY INFORMATION WAS USED FRAUDULENTLY TO OPEN ACCOUNTS THAT DO NOT BELONG TO ME THESE ACCOUNTS LISTED WAS OPEN BECAUSE OF FRAUD ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES ON MY CREDIT REPORT THAT SOMEONE ELSE USED MY NAME AND SOCIAL I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. |
Debt collection | Other debt | Universal Debt Collections, through a proxy number impersonated an officer of the law stating that they were requesting permission to serve me with court summons, claiming a lawsuit had been filed to me. Stating the company of origin had filed the suit, and that I could settle out of court. When I chose out of court restitution he claimed to not worry about the company name on the charge, its just a third party processor. Which the number on the charge clearly is the main office number of Universal Debt Collections. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | MY STUDENT LOANS WERE CONSOLIDATED IN XXXX BY XXXX. XXXX XXXX RECEIVED PAYMENT FROM XXXX ONXX/XX/XXXXI AM CURRENTLY UNDER AN INCOMEBASE PROGRAM WITH XXXX DOLLAR PAYMENTS. XXXX IS STILL SHOWING ACCOUNT AS ACTIVE AND ACCURING INTEREST MAKING THE BALANCE HIGHER - COULD NOT GIVE ME THE BALANCE IN WHICH THEY ARE BASING INTEREST WHEN LOAN WAS PAID UPON CONSOLIDATION. SPOKE TO 3 DIFFERENT REPRESENTATIVES, ALL HAD A DIFFERENT STORY. THEY REFUSE TO GIVE ME MY PERSONAL DOCUMENTS. SOME REPS WERE RUDE AND GAVE FALSE INFORMATION. THEY ARE NOT ACCURATELY REPORTING MY STATUS WHICH HAS HAD A SIGNIFICANT IMPACT ON MY CREDIT AND SCORE. THIS WAS DONE XXXX. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I recently reviewed my credit report and I noticed that there are various student loan account still appearing on my report and past the statute of limitations ( 7 Years ). I request that this information be removed from my credit reports ( XXXX, Equifax, and XXXX ) |
Debt collection | I do not know | The company Applied Business Service at XXXX XXXX XXXX, XXXX, NC XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), by using false or misleading language in an effort to collect a debt not owed. I've never done business with them before and they don't have a contract with my signature on it.
I've requested information from them previously and they've never gotten back with me with the required documents. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. TransUnion subsequently bludgeon my credit score by downgrading it XXXX points. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.
XXXX XXXX XXXX New Inquiries 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 XXXXXXXX Date of Inquiry XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act, XXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I sent complaints # XXXX, XXXX, and XXXX on XX/XX/XXXX however it was already closed when I reviewed it. I am resubmitting my complaint to you today to inform you that there were erroneous items found on my credit report : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX TER XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX TER XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : - ; XXXX XXXX XXXXXXXX XXXX Balance : {$480.00} ; XXXX XXXX XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$48.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Collection Bureau Hudson Valley , Inc. is attempting to collect a debt that does not belong to me. Collection Bureau Hudson Valley , Inc. is reporting a delinquent collection account to XXXX XXXX and XXXX that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately.
I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail onXX/XX/2021, as well as faxed them a copy the same day at XXXX ( See attached confirmation ) I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Collection Bureau Hudson Valley , Inc . I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help. |
Credit card or prepaid card | General-purpose credit card or charge card | A collision has occurred ( see attached ) and the vehicle owner also as the cardholder called XXXX to tow the vehicle. XXXX dispatch called XXXX confirming XXXX of their partners responded to the scene and is only XXXX blocks away. For some reason, XXXX XXXX show up, purportedly claiming as the XXXX partner, but dropped off my vehicle into their tow yard instead of the place I wanted. XXXX dispatch called back at XXXX AM claiming they can not find me or my vehicle, then I realized XXXX XXXX had unauthorizedly towed my car without my consent, they demanded payment before they can release my vehicle, I provided them the card to charge, but wrote : " refused to sign ''. Once I have retrieved my car, XXXX local dispatch was contacted at XXXX AM ( see attached ), and XXXX finally towed my car to the right place because XXXX XXXX does not even have my consent to tow my car in the first place. Now when I dispute the charge, the card issuer required me to get a credit receipt, how could I get a credit receipt, if the receipt has been signed as " refused to sign ''? |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately! |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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. |
Debt collection | I do not know | I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | XXXX is reporting a late payment in XX/XX/2021. I have contacted XXXX and have no record of this late payment. I have sent tall the bureaus several letters regarding this inaccurate and unverifiable late payment reporting on my consumer report. I have stressed how this is affecting my credit and hurting my life. I was never late on this account and I have always paid my bills on time as you can see. Therefore, I do not appreciate no one has corrected this inaccurate information. I have asked all the bureaus for variable proof and have yet to have received proof on how they reported this. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted XXXX improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me.
Please delete and block the following accounts including those on my police 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 |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Experian Report # XXXX Date : XX/XX/XXXX XXXX XXXX/XXXX XXXX is an account that was or no show of ( ND ) No Data since XX/XX/XXXX and the account is past 7 years.
Experian last report was XX/XX/XXXX and the the account show ( CLS ) Closed. |
Checking or savings account | Checking account | During hurricane Laura, I evacuated to another city. I booked a room using XXXX. When I arrived at the hotel it was surrounded by police. I was unable to even go to the lobby. I called and cancelled the reservation and was told they would call to get a refund. After several days I received an email stating that the hotel refused to give refund and that I needed to dispute the transaction through my bank. I did, and 90 days later Chime bank told me that nothing was wrong and the dispute was closed. Upon examination of the investigation, I learned that Chime did nothing, did not even talk to any of the merchants involved. I am out XXXX through no fault of my own and upon receiving no services. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I recently reviewed my credit report and noticed inquiries I did not authorize and I have never done any business with theses companies nor gave them permission to pull my credit. XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I was a victim of fraud. I had items on my credit file that are not mine. I sent copies of FRAUD AFFIDAVITS AND REPORTS AND DISPUTES to all three Credit Bureaus along with my Driver 's license and Social Security card. XXXX and XXXX XXXX removed the fraudulent erroneous items from my credit. Experian just ignores me and stalls me. This has been going on for seven months. Now I was denied two apartments because Experian refuse to do event the investigation of my dispute. I have not heard from Experian, yet they are still reporting inaccurate, fraudulent erroneous negative items on my credit. They are defaming my character and causing me harm |
Credit card or prepaid card | General-purpose credit card or charge card | Discover sided with a merchant on dispute that clearly had no legs. Initially, I had an autoship with XXXX which was routed to a different card for over six months so this charge no longer appeared on Discover for over six months. Then I reached out to XXXX to cancel that autoship in writing. Instead of cancelling they submitted my initial customer agreement to Discover and started charging me again. I immediately disputed the charge, but Discover in their infinite wisdom decided it was valid even though no product was received by me. The amount in dispute is {$54.00} which I would like to see returned to me ASAP. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. |
Debt collection | Credit card | The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Checking or savings account | Checking account | I was a client of BBVA bank, which was purchased by PNC bank. I received a letter from PNC stating that as from the date of the takeover, I would be able to access my account on PNC using the same user name and login I used to have for BBVA, but this is absolutely not true. I called the number indicated by PNC and the person told me the only way I could get a new pin to access my account was to send a letter to the bank in XXXX and wait for a new letter with a pin. Sent the letter, never got a response. Then I received an email from a so called " Case Manager Retail Support '' asking me to get in touch. I called several times, replied the email with my contact info and never got a call back. I am still unable to access my bank account and I have mortgage payments being debited in such account, I need to have access urgently. The bank renders a lousy service and simply ignores the clients. |
Debt collection | Medical | This debt was originated at XXXX Hospital in XXXX Ohio. My father whom shares the same name, visited and provided his insurance information. XXXX Hospital was unable to collect from my fathers health insurance and proceeded to collect thru credit solutions, LLC. This company reported the collection on my credit report and refuses to fix the problem. This company should be responsible for for all the damages generated by stealing my identity. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | On XXXX XXXX, 2017 I paid the total amount due to Discover by check accompanied by a letter requesting that the account be closed. The payment was paid before the closing date of the statement. I had {$0.00} worth of purchases. On XXXX XXXX, 2017 they started charging me interest on my {$0.00} purchases and {$0.00} amount balance. I was not looking at that account online anymore because I closed the account. On XXXX XXXX, 2017 they sent me a past due letter saying that I owed them {$120.00}. On XXXX XXXX, 2017 my wife called and spoke with XXXX and she said that they would adjust the amount to {$0.00}. In the mean time Discover kept reporting me delinquent to the credit bureau, making my credit score drop dramatically. XXXX of Discover did nothing to make my balance {$0.00}. On XXXX XXXX, 2017 my wife called Discover again and spoke with XXXX to adjust the amount. Finally they credited my account to be {$0.00}. My wife also spoke with XXXX and she marked the account closed as of XXXX XXXX, 2017 but refused to back date any of the credit reporting. Because of this I can not get LP gas for my house or a vehicle loan. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late.
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Other personal consumer report | I applied was was offered four jobs. After getting my check back they declined to hire me. How amnI supposed to live when I cant get hired because of someone elses actions |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to XXXX XXXX XXXX, Account number XXXX. XXXX XXXX XXXX Account numbers, XXXX. XXXX XXXX XXXX Account number, XXXX. XXXX XXXX XXXX XXXX Account Number, XXXX, has violated my rights.
15 U.S.C 1681 Section 602A. States i have the right to privacy.
15 U.S.C 1681 Section 604A. Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681 c ( a ) ( 5 ) Section states No consumer reporting agency may make any consumer report containing any of the following items of info, Any other adverse item of info, other than records of convictions of crime which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any info relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. |
Debt collection | I do not know | Called a distant relative of mine trying to get personal information about me. The company has my phone number, social security number, address, etc. Calling people that you think are related to me and trying to find out where I work is not the way to go. |
Checking or savings account | Checking account | I usually transfer money from my XXXX account to my Chime account, only so I could use the Credit Builder account, their Checking and Savings are not really that relevant, but I still fund it. Today XX/XX/2023 I transfer {$9.00} from my XXXX to Chime. I received the funds in my Chime savings account and then transferred them to my Credit Builder account. A few hours later I noticed a sale on a website and they had some merchandise I wanted to purchase..I only had {$51.00} in my Credit Builders account which was not enough, so obviously, I needed to transfer more money from my Chime Checking account to the Credit Builders for my purchase. Went to the Transfer option only to get a glitch when I click on the 'Transfer ' button, for 3 minutes I am tapping the button and nothing is transferring, I closed the app and open it and still tapped the button and nothing is transferring. I decided to uninstall the app and reinstall the app to see if that would fix the glitch/bug. Now the problem is that I usually sign in to my account with my finger or passcode, except when you reinstall the app you must retype in your password. I totally forgot what password I used and my XXXX saved option that automatically pastes the info was not updated so it pasted the old password and I kept trying over and over thinking about what the password was. Anyway I reset the password thinking that would help, wrong, upon resetting it, I was hit with a verification check that Chime needed me to take photos and pictures of my ID card, now mind you I've already done that prior with a similar issue and they have my information on file with my state ID and pictures that is not even expired. I called in and spoke to someone who referred the case to upper management. The numbskull that works for Chime sent me an email saying to follow the info on the app to take pictures and my ID.. I'm not taking anything because they have all my info already, i sent a very vulgar reply back to them because it's nonsense they are doing. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | 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. |
Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | in accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights.15 USC 1681 Section 602 States i have the right to privacy. 15 USC 1681section 604 A Section 2 : it also it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account as open end on consumer credit plans as purpose. |
Debt collection | Credit card debt | XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from XXXX XXXX XXXX Dear XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from Capital One NA. I know nothing of anything I may owe or even ever having used Capital One NA.
I would like any verification that I owed anything to Capital One NA and when this was assumed and for what the bill was generated.
If XXXX can not verify this claim, I want the claim erased from my credit reports.
Thanks for your help.
XXXX XXXX |
Vehicle loan or lease | Loan | I have sent this company 4 letters asking for, copy of contract, the accounting log any addendum of contract, sales documents. Every time I get no response. I think the total purchase price was XXXX with a 7 or 9,000 trade. The loan had fallen behind and called company and got payments caught up but I was supposed to have a lower revised monthly payment as I was a victim of XXXX and at times had to hide and I feared for my life. I called finance company to explain and send proof of my fleeing for safety, they refused to work with me, refused to send me anything on new arrangements and said there were non. I explained I was going thru divorce, that I am XXXX on XXXX and this is a fixed monthly income. I also asked to show me how I could owe more for a car than the sales price especially when I had a trade in of 7 to 9000. I was informed they would not adjust, or send me anything until payments were current I again explained I was a victim on a fixed income and my spouse wasnt paying support and stoped paying on home that my spouse left two days after my mom passed stopping direct deposit leaving me a home in bad shape a XXXX parent to an infant and knew I was to pay to bury my mother. This company then just ignore me and refuse to respond to my request to validate money owed. This is now creating a major heartache that I am looking to buy a home and this truck constantly breaks down and no money to fix it and cant purchase another car without a huge deposit. I need to get to my doctors and take my 6 year old for her doctors but this company will not respond. |
Debt collection | Auto debt | Have car loan with Key Bank due date is XXXX of month began getting calls on XXXX received 2 calls advise them payment will be made on line on XXXX i have a 10 days grace on XXXX i received 3 more calls again told her payment will be made on XXXX on website. on XXXX received another call was told nothing notated on account. Called Key Bank was transferred to collections department was again told no notes on account informed her i just spoke with someone at XXXX XXXX and told her payment will be made on XXXX. She said she would note account so calls would stop Ask why i'm getting so many calls she didnt know why |
Debt collection | Medical debt | There is a current bill for XXXX XXXX for a visit on XX/XX/2017. XXXX had active insurance through XXXX at this time so I'm unsure as to why I am receiving a bill for these services and furthermore why the bill was added to my credit report as a collection account. I've reached out several times to have this investigated and there is no outcome. |
Credit reporting or other personal consumer reports | Credit reporting | I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately |