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2017-04-14 | Student loan | Non-federal student loan | Dealing with my lender or servicer | Trouble with how payments are handled | I was making additional payments on my daughter 's student loan, who I am a co-signer, to be applied to principal and the extra money that I was paying for the last 2 years was applied to interest instead of principal. I spoke to the bank and they said that prior to this year, any additional money was supposed to be applied to principal but they were not going to adjust any of the extra payments to reflect that. In some instances, they took the entire amount of the extra payment and applied it to internet. I told them that it was not clearly stated that any extra money paid would be applied to interest. It is upsetting because we were trying to pay down the principal and Wellsfargo was deceitful and did not apply the money the way we asked for it to be applied. We are not told that as of XXXX of this year no money will be applied to interest. We do not agree with this and feel that them changing to this new policy will keep us in debt and will not allow us the chance to pay down the loan. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | NY | 10801 | Servicemember | Consent provided | Web | 2017-04-17 | Closed with explanation | Yes | No | 2,435,753 |
2023-04-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 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 this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date Opened:XXXX Balance : {$21000.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NY | 11206 | null | Consent provided | Web | 2023-04-11 | Closed with non-monetary relief | Yes | null | 6,817,054 |
2023-07-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I AM SUBMITTING THIS 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 79934 | null | Consent provided | Web | 2023-07-13 | Closed with non-monetary relief | Yes | null | 7,247,728 |
2023-02-22 | Checking or savings account | Savings account | Managing an account | Banking errors | I opened the savings account with promo code XXXX on XX/XX/XXXX.
The promo stated to make a deposit of $ XXXX within XXXX days of opening, hold the money for XXXX days and receive bonus within XXXX days after holding.
I made the deposit on XX/XX/XXXX and held funds until XX/XX/XXXX which is for XXXX days. However, the institution ( Capital One Bank ) refuses to pay the bonus. They informed me that XXXX days starts after XXXX days period. This information was not disclosed to me at the time I opened the account. The promo summary didn't have any footnotes signals indicating that there is a additional period of XXXX days before XXXX days. The terms and conditions also state XXXX days in multiple places without any references to the additional XXXX days.
This is very misleading and institution was not upfront with the information and tried to hide the fact that there is XXXX days funding period before XXXX days. | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 346XX | null | Consent provided | Web | 2023-02-22 | Closed with explanation | Yes | null | 6,602,238 |
2022-04-29 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX / XXXX XXXX XXXX and Account # XXXX, Account Name : XXXX XXXX XXXX and Account # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. | null | EQUIFAX, INC. | VA | 23503 | null | Consent provided | Web | 2022-04-29 | Closed with explanation | Yes | null | 5,517,625 |
2020-11-25 | Debt collection | Credit card debt | Communication tactics | Frequent or repeated calls | I signed up for a payment plan on XX/XX/2020 for {$50.00} to be deducted from my account on XX/XX/2020 as a part of a payment plan. I was told to call back every 30 days to keep making my payments. Despite making that payment on XXXX XXXX, Synchrony Bank on behalf of Paypal Credit keeps calling me multiple times a day, sometime not saying anything when I pick up. Today, when I picked up and talked to an agent he acknowledge the payment plan and that I was still current on it but said that because I still had a balance, they'll keep calling in between the due dates for the payment plan to get me to just pay off the {$400.00} balance. I have recordings of the XXXX XXXX call setting up the payment plan, copies of the XXXX XXXX payment, a recording of the XXXX XXXX call where they admit they'll keep harassing me until the entire balance is paid even if I stay current on my pay agreement. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 76107 | null | Consent provided | Web | 2020-11-25 | Closed with non-monetary relief | Yes | null | 3,975,254 |
2022-09-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX has removed the below accounts. XXXX XXXX, XXXX XXXX Pursuant to 15 U.S. Code 1692j - 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.
( 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.
Remove the accounts listed. I have attached the proof that show transition has removed the accounts that are still on my consumer report. These accounts are preventing me from getting a vehicle for my expanded family. It is causing my mode of living to be hindered and this is causing great XXXX and fear. | null | EQUIFAX, INC. | SC | 29673 | null | Consent provided | Web | 2022-09-18 | Closed with explanation | Yes | null | 5,993,218 |
2017-05-23 | Checking or savings account | Checking account | Managing an account | Deposits and withdrawals | I contacted XXXX by phone and they are refusing to allow me to access the money credited to me by XXXX currently on my account. I have contacted them multiple times by phone and they also are refusing to return the money to me by check or other means. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | U.S. BANCORP | CO | 80207 | null | Consent provided | Web | 2017-05-23 | Closed with monetary relief | Yes | null | 2,491,962 |
2023-04-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I am a victim of identity theft please remove this fraud inquiry from my credit report. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NE | 68116 | null | Consent provided | Web | 2023-04-18 | Closed with explanation | Yes | null | 6,854,163 |
2021-07-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Re : This is not a regular dispute. Take action immediately you are in violation.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints 1. ) As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
2. ) Please Remove All Fraudulent accounts as I have no knowledge of these accounts due to the Equifax data breach/identity theft. All is being investigated by the FTC | null | EQUIFAX, INC. | TX | 77008 | null | Consent provided | Web | 2021-07-28 | Closed with explanation | Yes | null | 4,583,759 |
2023-06-01 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33967 | null | Consent provided | Web | 2023-06-01 | Closed with non-monetary relief | Yes | null | 7,051,770 |
2021-11-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00} | null | EQUIFAX, INC. | PA | 190XX | null | Consent provided | Web | 2021-11-30 | Closed with explanation | Yes | null | 4,960,842 |
2023-09-06 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | XX/XX/XXXX - {$84.00} TRS Recovery Services XX/XX/XXXX - {$18.00} TRS Recovery Services These amounts are from an account that was closed and no longer exists after a fraud attempt from XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX
XXXX has been contacted several times about this company, yet they have no taken down the page, done anything about the dispute or prevented letters from being sent. The number ( XXXX ) XXXX is NOT even an active number. There is no other active service number or email to call about this matter and they have not given me validation that the debt was unresolved.
XX/XX/XXXX my work email ( XXXX ) was exposed to the dark web last used from an IP address in XXXX Oregon from the same location where the headquarters for returns to XXXX is located. The email was sent a receipt for three items purchase through the app " XXXX ''.
XX/XX/XXXX An unauthorized inquiry was made for XXXX line of credit.
XX/XX/XXXX An unauthorized attempt was made for a line of credit for " XXXX XXXX '' XX/XX/XXXX Work email XXXX was found several times under the dark web for an EXPOSED email and password for " XXXX '' and " XXXX ''.
There are 3 accounts still listed on this credit report that have been CLOSED for one year or more through XXXX XXXX XXXX. They have been settled and are still appearing on the consumer credit report.
There is also a line of credit through XXXX XXXX. This is supposed to be written off as a loss as the car was totaled on XX/XX/XXXX. It was settled through the car and medical insurance and written off as a loss!!
On XX/XX/XXXX a AI generated call was made to XXXX + using my personal email and information to hack into my email and XXXX XXXX! A charge made by XXXX XXXX XXXX for {$14.00} was cancelled. XXXX then sent an email to my personal XXXX account asking for me to leave a better review of their item from an item I returned in XXXX of XXXX that I was never refunded for!! A subsequent XXXXXXXX XXXX account and debit card were created and the account ending in XXXX was closed on XX/XX/XXXX!! | null | FISERV INC. | IL | 60643 | null | Consent provided | Web | 2023-09-06 | In progress | Yes | null | 7,503,183 |
2021-06-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I pulled my credit report and noted an account on my report that doesn't belong to me | null | EQUIFAX, INC. | FL | 33324 | null | Consent provided | Web | 2021-06-11 | Closed with explanation | Yes | null | 4,452,878 |
2019-07-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX been paid down with XXXX Fcra violation XXXX refuse to correct teh amount the next step is just disputing a card thats mine b/c they look at any other way | null | EQUIFAX, INC. | TX | 77095 | null | Consent provided | Web | 2019-07-25 | Closed with explanation | Yes | null | 3,318,046 |
2022-09-22 | Credit card or prepaid card | General-purpose credit card or charge card | Problem when making payments | Problem during payment process | I applied for a care credit card and received their card.I used the card for my cat. My cat did not make it. Then I got a senior cat and took her in for dental work. The bill was over {$900.00}. The c/o was accepting my payments and then started raising them.I started paying {$50.00} dollars a month which they accepted.They were adding interest and I was not able to pay more.This happened in XXXX. I made mistake.I have had to block their number, but they send me daily voice messages. I sent them a letter and a payment of {$50.00} on XX/XX/XXXX and it has not reached my checking account. I have paid every month. I will send a copy of their letter I received in XXXX. Thank you, XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | SYNCHRONY FINANCIAL | TX | 79109 | Older American | Consent provided | Web | 2022-10-07 | Closed with explanation | Yes | null | 6,006,252 |
2022-11-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.
XXXX XXXX XXXX XXXX Date Opened XX/XX/2014 Balance {$0.00}. | null | EQUIFAX, INC. | CA | 902XX | null | Consent provided | Web | 2022-11-15 | Closed with explanation | Yes | null | 6,200,540 |
2023-08-25 | Credit reporting or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Moreover Pursuant 18 USC 8 I DO NOT OWE ANY DEBT TO THESE COMPANYS is violating my consumer rights. Lastly, The credit bureaus are reporting two of the same account negatively XXXX XXXX XXXX XXXX investments.
XXXX account XXXX XXXX-Account number- XXXX XXXX XXXX XXXX XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | GA | 30016 | null | Consent provided | Web | 2023-08-25 | Closed with explanation | Yes | null | 7,455,830 |
2022-08-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | the accounts/ inquires cant be verified and need to be removed from my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 76119 | null | Consent provided | Web | 2022-08-26 | Closed with explanation | Yes | null | 5,920,162 |
2019-05-31 | Debt collection | Other debt | Written notification about debt | Didn't receive notice of right to dispute | On XX/XX/19 I made first contact with IQ Data about a debt that appeared on my credit report. I asked to know how much the debt was and asked if it was payed in full if I could receive a letter of deletion. I was given 2 amount that could be payed, with the second, full amount guaranteeing me such. I needed time to attempt to contact the other party of this " shared debt ''. When i could not reach the other party i called IQ Data back and asked for a debt validation letter. XXXX threatened that if I wanted one there was no possibility of receiving the letter of deletion I had asked for. Telling me that exercising my rights was " taking a step back. '' I feel it unfair, when I had never been contacted before, and never showed any ill faith about paying the debt that I was treated so poorly by someone who works for a company who's slogan indicates that they seek to help in a courteous and fair way. | Company believes it acted appropriately as authorized by contract or law | I.Q. DATA INTERNATIONAL, INC. | WI | 53188 | null | Consent provided | Web | 2019-05-31 | Closed with non-monetary relief | Yes | null | 3,260,202 |
2022-05-31 | Credit card or prepaid card | General-purpose credit card or charge card | Getting a credit card | Sent card you never applied for | On XX/XX/2022 I received notice from my XXXX XXXX account of an XXXX XXXX
Bank of America was checking on my credit rating.
I did not authorize this.
I have opened an investigation with XXXX.
XXXX XXXX case # XXXX.
On XX/XX/2022, at my place of business I received an Official Change - of - Address Validation.
I did not and have not authorized any person to do so on my behalf.
On that same day, XX/XX/2022 I received in the mail with my name on it a : Bank of America Visa XXXX XXXX Credit Card. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | CA | 92807 | Older American | Consent provided | Web | 2022-06-15 | Closed with non-monetary relief | Yes | null | 5,619,848 |
2022-09-06 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | This is a request for proof of contract to substantiate CSRS claim. Provide me with a certified copy of an original contract, with my signature specifically naming your company as a person entitled to enforce a commercial claim against me. Certifications can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. If you can not provide me with a copy of MY signature on a contract, I submit to you that this debt is unverified and reporting it to ANY Credit Reporting Repository is a direct violation of the FDCPA. Continuing collection attempts on this account can and WILL be considered harassment under the FDCPA.
I DO NOT have any contractual obligation to pay YOU at this point as you have failed to provide ANY proof of that. A copy of an alleged bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt. THEREFORE, THIS COMPANY NEEDS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. | Company believes the complaint is the result of a misunderstanding | Child Support Recovery Services, Inc. | MD | 20706 | null | Consent provided | Web | 2022-09-07 | Closed with explanation | Yes | null | 5,952,605 |
2023-01-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | HI I AM SUBMITTING THIS 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 UND
ER 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 I
NSTRUCTIONS. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 77578 | null | Consent provided | Web | 2023-01-04 | Closed with non-monetary relief | Yes | null | 6,394,519 |
2018-11-24 | Debt collection | Other debt | Written notification about debt | Didn't receive enough information to verify debt | The following company RPM, with provided address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Washington XXXX with listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX XXXX. Even though I have sent a registered letter to RPM during the 30 days of the original notification requesting a detailed statement with the charged expenses, RPM has submitted an adverse filing to all credit bureaus. RPM has violated my rights by the adverse filing of unvalidated debt with the credit reporting agencies. I am providing all the supporting documents for review, including validation letter request and the registered email receipt, post office notification of delivery and original RPM letter. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Receivables Performance Management, LLC | WA | 98004 | null | Consent provided | Web | 2018-12-02 | Closed with explanation | Yes | null | 3,082,143 |
2019-12-22 | Credit card or prepaid card | General-purpose credit card or charge card | Fees or interest | Problem with fees | In XX/XX/XXXX, I closed my checking account with Bank of America. On XX/XX/XXXX, I paid off the remaining balance on my Bank of America credit card of {$90.00}. The closing of my account and confirmation of credit card balance payment was confirmed in person with the the Financial Center Manager, XXXX XXXX, at the XXXX Georgia Bank of America.
Fast forward to XX/XX/XXXX, I applied for a business credit card and was denied. After checking my credit report, I found that Bank of America had re-charged my credit card for {$90.00} starting XX/XX/XXXX, and had not informed me that I had any outstanding balance due on my credit card. Because I had not received any notice of this outstanding credit card balance, no payments were made, and the balance accrued fees that totaled {$270.00}.
I met with XXXX XXXX and XXXX XXXX in person at the XXXX Georgia Bank of America to figure out why I was charged a second time for the {$90.00}, and why it had accrued so many fees. They were unable to get any answers, and weren't able to figure out why the {$90.00} was re-charged to my account. They called the credit card department, which was no help. The credit card department asked them to review my banking records, which we had already done and was the reason we called the credit card department in the first place. After 3 hours of back and forth, no resolution was made, and I left the bank.
I called the credit card department to complain about the fees, and to dispute the charges because I was never notified of any due or late payments. They said they were unable to prove or disprove that any notifications were sent out, and would not assist me any further.
This has hurt my credit score greatly. I have had no late payments on any card, and have had no debt, no liabilities other than the current credit card balance, which has always been promptly paid off. The only reason my credit score is now in the mid 500s is because 1 ) Bank of America falsely charged me {$90.00} that was already paid on XX/XX/XXXX, and 2 ) Bank of America never notified me of the late and unpaid fees that began accruing in XX/XX/XXXX.
I have not had a change of address and no change of email or log-in information, so there is no excuse for Bank of America to have not communicated these fees and charges. Now they want me to pay {$270.00} for a {$90.00} charge, that I had already paid off. Also, my once-excellent credit is now terrible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | GA | 30605 | null | Consent provided | Web | 2019-12-22 | Closed with explanation | Yes | null | 3,475,249 |
2022-03-09 | Student loan | Federal student loan servicing | Struggling to repay your loan | Can't get other flexible options for repaying your loan | I have sent several emails anc called and mailed showing Missed payments, and nothing just saying the same count refusing to investigate payment to that are inaccurate and missing years of payment XXXX to XXXX when you call you are told different stories what to believe. This is so frustrating that this is suppose to help us but instead it is a full time job fighting with them to document money you paid. I am tired after 20 plus years of teaching and the last two years of pandemic teaching there has to be a better way | null | AES/PHEAA | NY | 10583 | null | Consent provided | Web | 2022-03-28 | Closed with explanation | Yes | null | 5,301,877 |
2020-01-24 | Debt collection | Credit card debt | Took or threatened to take negative or legal action | Sued you without properly notifying you of lawsuit | I got subpoenaed by Wells Fargo to go to court over a credit card I had defaulted on. I went to court, but the lawyer from Wells Fargo did not show up and the judge dismissed the case. This happened probably in the middle of 2019. Today I checked my bank account and Wells Fargo had taken {$850.00} out of my account and left me {$100.00} for myself and my XXXX kids to live off of for the next 2 weeks. I called them and told them the case was dismissed, the agent told me they refiled and were granted a judgement against me. She also stated that the subpoena for the second case was left at my door. Which I never received, nor did I receive any letter from them stating that they would start deducting money out of my account, because I would've gone to make payment arrangements. She then told me to contact the law office that handled the case to set up payments, but they couldn't give me any of my money back to live off of in the mean time. I'm going to call them again, I just don't understand how they take however much they want putting me an my family in a hardship. Everything I have researched says the max they can take is 25 % after mandatory deductions. They took way more than 25 %, and next time, a little notice would be greatly appreciated. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | WELLS FARGO & COMPANY | VA | 23139 | null | Consent provided | Web | 2020-01-24 | Closed with explanation | Yes | null | 3,508,383 |
2020-11-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My personal information, birth certificate drivers license and social security card was stolen on XX/XX/XXXX and today XX/XX/XXXX I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report. I did not receive any money, goods, services, or other benefits as a result of the events described in this report. XXXX XXXX # XXXX {$680.00} XXXX XXXX # XXXX {$500.00} XXXX XXXX XXXX XXXX # XXXX {$360.00} XXXX XXXX & XXXX XXXX # XXXX {$4600.00} XXXX XXXX XXXX # XXXX {$400.00} XXXX XXXX XXXX # XXXX {$0.00} XXXX XXXX # XXXX {$2100.00} XXXX XXXX # XXXX {$300.00} XXXX XXXX # XXXX {$86.00} XXXX XXXX # XXXX {$170.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | CA | 95695 | null | Consent provided | Web | 2020-11-10 | Closed with explanation | Yes | null | 3,946,648 |
2023-06-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated. | null | EQUIFAX, INC. | FL | 33615 | null | Consent provided | Web | 2023-06-12 | Closed with non-monetary relief | Yes | null | 7,106,863 |
2023-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
XXXX XXXX XXXX XXXX XXXX, NM XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$700.00} ; XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NM | 880XX | null | Consent provided | Web | 2023-02-06 | Closed with non-monetary relief | Yes | null | 6,538,913 |
2020-05-01 | Checking or savings account | Checking account | Closing an account | Company closed your account | I sold something worth {$70.00} to someone and they chase quick pay'ed me the money and then they called Chase and said it was fraud. Chase thennclosed my account without even contacting me and I can't open an account there anymore. I've tried calling multiple times and going in. | null | JPMORGAN CHASE & CO. | CA | 94568 | null | Consent provided | Web | 2020-05-01 | Closed with explanation | Yes | null | 3,632,388 |
2022-07-12 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | After review my consumer report, I noticed multiple attempts of unauthorized hard inquiries to obtain credit cards and personal loans in my name. These attempts were not made me. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 33484 | null | Consent provided | Web | 2022-07-12 | Closed with non-monetary relief | Yes | null | 5,760,706 |
2022-11-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Credit monitoring or identity theft protection services | Didn't receive services that were advertised | Credit monitoring or identity theft protection services ( billing dispute, unwanted marketing, problem cancelling account Did not receive outline of Do Not Refer Businesses During the Process of Company being opened ( FTC Complaints, XXXX XXXX, XXXX XXXX XXXX ) Posted information about my patients Health Records during the time without consent, Failed to attend XXXX Fair Hearings leading to worsened Medical experience and showed other customers first priority checking accounts but denied me those options and banking plans that would have cleared up my credit score. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | BANK OF AMERICA, NATIONAL ASSOCIATION | FL | 33139 | null | Consent provided | Web | 2022-11-11 | Closed with explanation | Yes | null | 6,190,715 |
2022-06-25 | Vehicle loan or lease | Loan | Managing the loan or lease | Billing problem | Regarding : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OK XXXX.
XX/XX/2022 I called to make a one time payment on behalf of a family member for {$240.00}. I specifically, and repeatedly advised their rep to not save my information for future payments, and that is was and one time only authorization. The rep reassured that my information would not be saved.
XX/XX/2022 Another charge from this company for {$240.00} goes on my credit card. Unauthorized.
The company has refused to refund my money. They have saved MY payment information to collect debt for a 3rd party without permission. This is fraud and unethical debt collection practices. | Company can't verify or dispute the facts in the complaint | Oklahoma Motor Credit Company | OK | 73135 | null | Consent provided | Web | 2022-06-25 | Closed with explanation | Yes | null | 5,706,835 |
2022-10-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NC | XXXXX | null | Consent provided | Web | 2022-10-20 | Closed with explanation | Yes | null | 6,107,508 |
2023-04-20 | Credit card or prepaid card | General-purpose credit card or charge card | Advertising and marketing, including promotional offers | Didn't receive advertised or promotional terms | I applied for a new American Express Delta Airline branded credit card. The welcome offer was XXXX Delta 'skymiles ' upon acceptance and {$4000.00} in purchases. I was approved for the credit card. I made a {$4300.00} purchase on Delta and paid American Express for the purchase. I needed the XXXX miles for upcoming travel.
Two months later the XXXX miles was not credited to my account. I contacted American Express and was told that the welcome offer review usually took 8-12 weeks and to be patient.
I waited another two weeks and contacted American Express again. I was told that the welcome offer was still in review and to contact them in another two weeks if the miles had not been credited to my account.
I waited another two weeks and contacted American Express again. I was told that the welcome offer was not available to me because I had previously had an American Express Delta Airlines branded card. I was told that it was American Express policy to notify new applicants if they were not eligible for the welcome bonus during the approval process. I mentioned I was not notified. Further, I mentioned that I was not notified that I was not eligible for the bonus the first and second time I called ; and was only notified on my third call. The customer support agent ( XXXX ) told me she understood and asked me if I wanted to cancel my credit card. I did cancel it, without receiving the welcome bonus and losing the annual fee. | null | AMERICAN EXPRESS COMPANY | NM | 87111 | null | Consent provided | Web | 2023-04-20 | Closed with explanation | Yes | null | 6,867,035 |
2023-08-11 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. | null | EQUIFAX, INC. | FL | 320XX | null | Consent provided | Web | 2023-08-11 | Closed with non-monetary relief | Yes | null | 7,386,203 |
2017-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. | null | EQUIFAX, INC. | WA | 98052 | null | Consent provided | Web | 2017-09-09 | Closed with explanation | Yes | null | 2,662,385 |
2021-06-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | I was never late on this account. | null | American First Finance, Inc. | MA | 02126 | null | Consent provided | Web | 2021-06-22 | Closed with explanation | Yes | null | 4,482,434 |
2022-12-17 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account has unverified information without providing any proof within the period allowed by law. The account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$10000.00} | null | EQUIFAX, INC. | CA | 90292 | null | Consent provided | Web | 2022-12-17 | Closed with explanation | Yes | null | 6,330,877 |
2016-01-09 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | 3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone. | Company believes it acted appropriately as authorized by contract or law | First National Collection Bureau, Inc. | OR | 97058 | Servicemember | Consent provided | Web | 2016-01-09 | Closed with explanation | Yes | No | 1,734,785 |
2017-01-21 | Debt collection | Other (i.e. phone, health club, etc.) | Improper contact or sharing of info | Talked to a third party about my debt | I did request a prove of the charges and I did receive the information about another person with different address. The envelope has my name and address but inside 10 pages of bank statements, names, addresses, everything about XXXX ....
If I receive the information about this person, who has my?
Please help me with this Identity Theft Collection Company.
I like to their name to be published to everyone has account with this company to check if did not give your personal information to others.
ALLIED INTERNATIONAL CREDIT CORP XXXX - AZ - XXXX PHONE - XXXX | null | Allied International Credit Corp., (US) | FL | 337XX | Servicemember | Consent provided | Web | 2017-01-21 | Closed with explanation | Yes | Yes | 2,302,528 |
2020-05-30 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | I opened a new account with XXXX XXXX ( Online Agility ) on XX/XX/XXXX. The advertised rate on that day was 1.45 %. When the account funded on XX/XX/XXXX on completion of the test deposits, the interest rate was lowered to 1.35 %. I tried to stop the opening transfer, close the account or withdraw the money and they told me I could not do any of these or have access for 30 days even though they changed the rate from the one advertised and the amount is less than {$5000.00}. This is false advertising, and they should not be allowed to do business this way. I just want to access my money back. | null | CIBC BANCORP USA INC. | NY | 10003 | null | Consent provided | Web | 2020-05-30 | Closed with explanation | Yes | null | 3,675,508 |
2022-03-22 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | XXXX XXXX XXXX XXXX Violated my rights on XX/XX/2021.
They violated these laws : 15 USC 1692. ( B ) ( 2 ), 15 USC 1692. ( C ) ( A ), 5 USC 1692. ( B ) ( 5 ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | FL | 32810 | null | Consent provided | Web | 2022-03-22 | Closed with explanation | Yes | null | 5,351,264 |
2023-04-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reported on my credit report. I received a copy of my credit report and to my surprise, I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
2. The inquiry was not authorized XXXX ORIGINAL Date of inquiry : XX/XX/2022 Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account.
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX Account Number : XXXX Delete this account.
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account XXXX : XXXX Delete this account.
11. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account.
12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
13. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account.
14. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | AZ | 85037 | null | Consent provided | Web | 2023-04-24 | Closed with explanation | Yes | null | 6,882,851 |
2020-01-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I am a victim of identity theft. I was contacted by a bank in reference to a loan that I did not apply for. That prompted me to check my credit report for accuracy and I found that someone has used my personal information to apply for several loans. This is my second time reporting this because the first time I reported it I only noticed inquiries for fraudulent applications. I just checked my credit report and now there are several fraudulent loans being reported on my credit. SOMEONE GOT A CAR USING MY PERSONAL INFORMATION. HOW CAN THAT BE POSSIBLE? My credit score that was once 800+ is now XXXX. I AM DEVASTATED! I need help and it seems that no one is willing. | null | EQUIFAX, INC. | FL | 33169 | Servicemember | Consent provided | Web | 2020-01-20 | Closed with non-monetary relief | Yes | null | 3,502,639 |
2015-08-14 | Debt collection | Medical | Cont'd attempts collect debt not owed | Debt is not mine | Hello, I am disputing this bill because it was never submitted to my Dental Insurance Provider. Instead, they are billing me in full. I have contacted their Billing Representative on several occasions and each time she said she would process the bill and send it to my carrier. This has yet to happen. She also explained that this is an error on their end and that she would fix the issue. They have all of my provider information but they have not processed it. This has been going on for over two years now and they have yet to resolve the complaint. I want this removed from my credit report immediately and my insurance carrier needs to be charged for the outstanding balance. Once this has been done, I will be happy to pay my portion of the bill. Each time I contacted the Billing Manager she said that is what they would do. Again, please remove this from my credit report immediately as this is their billing error not mine. | null | Seattle Service Bureau, Inc | FL | 33908 | null | Consent provided | Web | 2015-09-23 | Closed with explanation | Yes | No | 1,520,199 |
2019-03-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | I have been enrolled in school XXXX XXXX since 2016. XXXX XXXX XXXX and US Department of Education are both reporting that my student loans defaulted and were 120+ days past due with a {$0.00} balance during the time I was enrolled in school XXXX XXXX. I have disputed the two XXXX XXXX XXXX accounts and the two US Department of Education accounts that are reporting 120+ days past due with all three credit bureaus multiple times and they keep coming back as verified. I am attaching proof of enrollment from NLSDS.
I have contacted NLSDS and US Department of education and both have told me that they will not change how the loans are reporting | null | EQUIFAX, INC. | MO | 63368 | null | Consent provided | Web | 2019-03-23 | Closed with explanation | Yes | null | 3,188,700 |
2019-04-19 | Student loan | Private student loan | Dealing with your lender or servicer | Received bad information about your loan | AES recently responded to a Response I made on behalf of my initial complaint. AES again failed to exercise any proof that my claims are invalid. Instead, many assertions were made by them which seem to overshadow their stance on any assertion. The examples they provided are not satisfactory enough to prove that AES didn't do anything wrong, but in fact makes them even more suspicious while they quickly defend themselves without showing hardcore evidence proving their innocence. Payments will be made by the week of XX/XX/XXXX to be caught up with all payments past due and due by the end of the month. While it is absolutely a borrower 's responsibility to cooperate with paying down their Student Loan balance, I also feel that AES owes every single borrower an explanation when it comes to the online claims through Articles, and the likes that they are far from innocent. In addition, one can only conjure up what really goes on behind closed doors at this place given the recent Education Scandal. How many Celebrities have delivered bribes to AES, I wonder? Believe it or not, there are many co-conspirators in society today, and any Fortune 500 company as well as other financial companies are no stranger to that ugliness.
AES should re-examine all positions within the company and should remove positions that have no meaning or purpose, which I would say is about 99 % of the executive staff. Let 's face it EXECS, none of you do any actual work. As far as the moral population goes, you all like to freeload. Wasting turns to lying, and then lying turns to cheating. Cheating eventually turns to breaking the law. I'd be willing to bet many of you belong in jail. XXXX has a close eye on you.
Feel free to think about that while I do my own detective work.
XXXX XXXX XXXX XXXX. | null | AES/PHEAA | PA | XXXXX | null | Consent provided | Web | 2019-04-19 | Closed with explanation | Yes | null | 3,217,274 |
2021-02-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later. I have not received a response yet I feel like Im being take advantage of and being ignored of my disputes. Section 611 ( a ) It plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. | null | EQUIFAX, INC. | TX | 77382 | null | Consent provided | Web | 2021-02-06 | Closed with explanation | Yes | null | 4,122,155 |
2022-11-03 | Credit card or prepaid card | Store credit card | Getting a credit card | Card opened as result of identity theft or fraud | I had a credit card opened fraudulently under my name. It was opened back on XX/XX/2020. The credit card that was opened is called XXXX, by Comenity.
I never knew it was opened until I received a billing statement from them. I had my wife call them to see where, when and by whom this credit card was opened. They gave her the information, after they wanted to talk to me to give her permission to talk to them on my behalf. She asked where it was opened at, which store, and they told her it was opened online, and she continued to ask what kind of store this is, and what was purchased. As the statement doesn't show what was purchased. They would not tell her what was purchased as they told her, that we should know. They continued back and forth with questions etc. I then told my wife to tell them it wasn't me and I'm not paying for something that was fraudulently done on my name. They continued to be a bit rude with my wife as she had them on speaker and I was listening to the entire conversation. The customer service representative continues to tell my wife that I needed to pay the debt that is due. I told her to tell them again that I was not going to pay for something that was done fraudulent under my name. The conversation got nowhere as the XXXX continue to be rude and insisting that I opened it and therefore need to pay for it. I refuse ; therefore nothing was resolved. | null | Bread Financial Holdings, Inc. | TX | 788XX | Servicemember | Consent provided | Web | 2022-11-23 | Closed with explanation | Yes | null | 6,163,518 |
2023-09-07 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | Experian Information Solutions Inc. | WA | 98201 | null | Consent provided | Web | 2023-09-07 | In progress | Yes | null | 7,508,566 |
2023-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy.
In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX XXXX Missed payments, XXXX XXXX XXXX Missed payments ' XXXX XXXX I OWE THEM {$270.00} in COLLECTIONS OPENED XXXX. XXXX XXXX XXXX I OWE THEM {$1900.00} IN COLLECTIONS OPENED XXXX.
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.
15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MI | 48504 | null | Consent provided | Web | 2023-04-28 | Closed with non-monetary relief | Yes | null | 6,905,111 |
2022-05-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Untitled { XXXX XXXX XXXX Medical Subject has not XXXX debt. } XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | TX | 78233 | null | Consent provided | Web | 2022-05-27 | Closed with explanation | Yes | null | 5,618,311 |
2018-02-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | On my XXXX, XXXX and Trans Union credit report, its showing a current balance on the following accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I paid my balance in full and shouldnt have a balance. My current balance on all 3 accounts should be a recent balance of {$0.00}. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | AZ | 85142 | Servicemember | Consent provided | Web | 2018-02-16 | Closed with explanation | Yes | null | 2,815,897 |
2022-04-19 | Debt collection | Auto debt | Communication tactics | Frequent or repeated calls | Avid Acceptance has contacted me numerous times this month and are contacting my 3rd party references repeatedly when I have already contacted them, they have acknowledged my contact with a response, and have set up a payment arrangement. Please see chronology : XXXX : XXXX XXXX at Avid emailed stating my account has a late fee and to contact them.
XX/XX/XXXX : XXXX XXXX at Avid emailed statement the account has a late fee and it was imperative to contact by end of day to discuss payment options XX/XX/XXXX : XXXX emailed XXXX back stating " I have scheduled a payment for my XXXX payment to be pulled out on XX/XX/XXXX when I get paid again. '' XX/XX/XXXX : XXXX XXXX at Avid contacted 3rd party reference XXXX XXXX XX/XX/XXXX : XXXX XXXX at Avid emailed back stating " We would need more than the post dated amount of {$490.00}. '' <<MY REGULAR PAYMENT AMOUNT IS {$490.00} ... so that amount is not sufficient to bring my account current?? ? XXXX XX/XX/XXXX : XXXX XXXX at Avid emailed stating " We have reached out to you several times and still haven't received a response. '' <<THEY DID RECEIVE A RESPONSE BECAUSE WE EMAILED BACK AND FORTH on XX/XX/XXXX and XXXX XX/XX/XXXX : XXXX XXXX emailed XXXX again ... 2nd time in XXXX time ), stating " your account now has incurred a late fee. It is important that we maintain excellent communication. <<I HAVE BEEN COMMUNICATING>> XX/XX/XXXX : Avid Acceptance called my cell phone 3 times.
XX/XX/XXXX : Avid Acceptance called " XXXX XXXX, a 3rd party reference. '' XX/XX/XXXX : Avid Acceptance called my cell phone twice ; XX/XX/XXXX : Avid Acceptance called " XXXX XXXX, a 3rd party reference. '' XX/XX/XXXX : XXXX XXXX emailed again stating " '' We have reached out to you several times and still haven't received a response. '' XXXX<THEY DID RECEIVE A RESPONSE BECAUSE WE EMAILED BACK AND FORTH on XX/XX/XXXX and XXXX XX/XX/XXXX : XXXX emailed back advising they were harassing me and my 3rd party contacts. I've made a payment arrangement on the Avid website to fully pay the XX/XX/XXXX payment. My account is not even a full 30 days delinquent. I am aware there are late fees.
Avid Acceptance is contacting me excessively and stating they have not received responses from me but they have. In addition, I scheduled my XXXX payment on XX/XX/XXXX to be paid on XX/XX/XXXX. My XXXX payment will not be due until XX/XX/XXXX.
This is harassment and is not in the best interest of either party. The company is adequately protected as I have been in communications, I have a payment scheduled, and my account is not even a full 30 days past due.
This is ridiculous to be harassed for an account that is not a full 30 days delinquent and payment arrangements have been made.
This is the third time I have had issues with this company excessively contacting me, my references, AND lying about me not being responsive Not only are they bothering me, but they are creating undo issues between me and my 3rd party references who should have zero communications made to them for an account that is not 30 days past due OR to someone who HAS been in contact with them. This is creating undo issues and unnecessary drama between me and my 3rd party references and this must stop IMMEDIATELY.
As of today, XX/XX/XXXX, I wish to no longer receive ANY further phone call correspondence from this company going forward, for this month or any months on going.
Every attempt to contact me must be made within writing to my email address of XXXX ONLY or in writing to my personal residence of : XXXX XXXX XXXX XXXX, XXXX, NC XXXX. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Avid Acceptance, LLC | NC | 28054 | null | Consent provided | Web | 2022-04-19 | Closed with explanation | Yes | null | 5,466,048 |
2022-04-30 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I was never invoiced in XXXX & XXXX by XXXX XXXX XXXX XXXX for ( 4 ) small outstanding amounts. Then, 4 collection accounts listed by XXXX XXXX ( XXXX ) under account numbers XXXX for {$100.00} ; XXXX for {$97.00} ; XXXX for {$100.00} and XXXX also for {$100.00}. When the collection reporting from XXXX listed against me and discovered by XXXX XXXX, I immediately resolved the debt by paying off with XXXX back in XXXX. I then tried to obtain deletion directly from XXXX and they refused. I then disputed with XXXX, TransUnion and XXXX and TransUnion deleted one account ONLY, namely # XXXX for {$100.00} refusing to remove the other 3. Additionally, the credit bureaus jointly have agreed to delete all MEDICAL COLLECTIONS in XXXX with balances under {$500.00} and paid in full. All ( 4 ) accounts above are under {$500.00} and were paid in full. Sadly, someone or somebody at TransUnion and/or XXXX are having a good laugh at not removing the remaining 3 accounts. In principle, these remaining XXXX accounts should be deleted by TransUnion so I can obtain credit score lift. In fact, the 4 medical collections from Dignity never should have reached XXXX for adverse listing against me. XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 95678 | null | Consent provided | Web | 2022-04-30 | Closed with non-monetary relief | Yes | null | 5,520,202 |
2018-06-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | These student loans are under federal fraud investigation that i have filed with My State, the XXXX and Department if education. These matters were placed on hold by President Trump and the Department of Education for over a year. These fraudulent loans giving under false pretenses i want removed from my credit or placed in dispute status until the matter has been resolved. The Department of Education already denied over 12000 applications that had no bearing and i was not one of them. I want my credit report reflecting this as these are having a negative impact and have not yet been deemed legally binding. | null | EQUIFAX, INC. | NH | 030XX | Servicemember | Consent provided | Web | 2018-06-03 | Closed with non-monetary relief | Yes | null | 2,924,948 |
2019-09-08 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account status incorrect | XXXX XXXX reports a collection account with XXXX for a balance of {$310.00} which is not due and has never been due and with conversations with XXXX XXXX, they will not remove it from the credit report ( even if paid ).
I have requested the credit bureau to remove it and have not been successful in this effort. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 770XX | Servicemember | Consent provided | Web | 2019-09-08 | Closed with explanation | Yes | null | 3,367,382 |
2022-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | 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 given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LAST UPDATED CHARGE OFF {$700.00} According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
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 given reporting agency can not furnish an account without my written instruction.
15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 92404 | null | Consent provided | Web | 2022-06-06 | Closed with non-monetary relief | Yes | null | 5,635,517 |
2020-09-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Investigation took more than 30 days | I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. | null | EQUIFAX, INC. | IL | 601XX | null | Consent provided | Web | 2020-09-15 | Closed with explanation | Yes | null | 3,850,189 |
2017-06-15 | Debt collection | I do not know | Communication tactics | Used obscene, profane, or other abusive language | A company called ACF called in regards to XXXX XXXX from phone # ( XXXX ) XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Atlantic Credit & Finance, Inc. | AZ | 85281 | null | Consent provided | Web | 2017-06-15 | Closed with explanation | Yes | null | 2,551,090 |
2022-03-28 | Debt collection | Credit card debt | Attempts to collect debt not owed | Debt is not yours | I am not sure where this debt came from. There was already a XXXX amount from XXXX bank and i have called and this was already closed out. Now there is one that went to Midland funding in the amount of XXXX which does not make sense to me. I don't own this card either.
I came to know about this during my refinance of my house. | null | ENCORE CAPITAL GROUP INC. | NJ | 07054 | null | Consent provided | Web | 2022-03-28 | Closed with explanation | Yes | null | 5,377,287 |
2021-03-03 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Account information incorrect | I've contacted XXXX and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33150 | null | Consent provided | Web | 2021-03-03 | Closed with explanation | Yes | null | 4,178,457 |
2018-06-06 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | After disputing the following inquiries the 3 reporting agencies concluded that the un- verified accounts been verified, neither company sent me any physical documentation to support their reporting inwhich the investigation stated " up dated ". Now according to the FCRA rule of law, if there's no physical evidence then the accounts shall be removed. The following inquiries in dispute are.. XXXX Credit Cards ( 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 Miscellaneous Reptg. Agencies ( XX/XX/XXXX ), XXXX - XXXX ( XX/XX/XXXX ) | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63121 | null | Consent provided | Web | 2018-06-06 | Closed with explanation | Yes | null | 2,927,860 |
2021-05-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files.
1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | MO | 631XX | null | Consent provided | Web | 2021-05-28 | Closed with non-monetary relief | Yes | null | 4,412,486 |
2023-05-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Old information reappears or never goes away | This account was a Charge off account, and it was opened in 2016 and I have been reaching out because I am trying to close on my first mortgage, but the lender is telling me that I must get all the negative stuff off my credit report before we can even close. Please help in getting this potentially negative account off my credit report. This keeps showing in my report it's supposed to drop off after 7 years.
15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | FL | 33418 | null | Consent provided | Web | 2023-05-09 | Closed with explanation | Yes | null | 6,950,683 |
2016-02-26 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | this been going on for some time, MO AG office resolve this, as the debt not mine back 2012 | null | CITIZENS FINANCIAL GROUP, INC. | TN | 763XX | null | Consent provided | Web | 2016-02-26 | Closed with explanation | Yes | No | 1,807,292 |
2017-01-11 | Debt collection | Auto | Disclosure verification of debt | Not given enough info to verify debt | AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings.
AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars.
I believe this is unfair practice and taking advantage of having the freedom to garnish my wages.
I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts.
The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt.
Thank you, | null | Alliance One, Inc. | MO | 631XX | null | Consent provided | Web | 2017-01-11 | Closed with explanation | Yes | No | 2,284,364 |
2022-06-18 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX {$210.00} $ XX/XX/2022 XXXX XXXX XXXX {$160.00} $ XX/XX/2022 Acct # XXXX XXXX XXXX XXXX {$260.00} $ XX/XX/2022 Acct # XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | CA | 95361 | null | Consent provided | Web | 2022-06-18 | Closed with explanation | Yes | null | 5,681,614 |
2018-12-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | INACCURATE INFORMATION SHOWING UP ON MY CREDIT REPORT FTC VIOLATIONS AND FAIR CREDIT VIOLATIONS | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | TX | 77040 | null | Consent provided | Web | 2018-12-10 | Closed with explanation | Yes | null | 3,097,020 |
2017-10-25 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | So, my complaint is that Equifax is not investigating any of my disputes of public record. I have challenged the accuracy, compliance and reportability of the listing in my credit report. Since XXXX, XXXX I have submitted disputes with Equifax 3 times referencing a public record of my credit report. Each time the results would say the public record was verified from information obtained from local, state and federal courts through a third-party vendor, XXXX. Well, I have had an active freeze with XXXX since XXXX, XXXX, and I have an active Suppression of public records in place. I have reached out to XXXX and they verified the freeze and the suppression. The federal court here has sent me a letter stating it does not report to any credit reporting agency due to privacy laws, and I provided a copy of this letter to Equifax. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The bankruptcy court has mailed me a letter which emphatically states that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the third-party providers who collect information regarding public cases from public records without validating and then selling the information to credit reporting agencies. Public records information is NEVER validated by the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. Equifax Credit Bureau needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from my credit file. Equifax has not sent any validation documents. I 'm requesting assistance with this issue of them not properly investigating my dispute, per FCRA laws. I want the public record deleted from my credit report. | null | EQUIFAX, INC. | GA | 31707 | Servicemember | Consent provided | Web | 2017-10-25 | Closed with explanation | Yes | null | 2,712,339 |
2023-08-07 | Credit card or prepaid card | General-purpose credit card or charge card | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | IL | 60477 | null | Consent provided | Web | 2023-08-07 | Closed with explanation | Yes | null | 7,360,578 |
2019-06-20 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Was not notified of investigation status or results | On XX/XX/XXXX, I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports, including XXXX XXXX, XXXX and XXXX XXXX, accounts that I have never opened ; And inaccurate late payments listed for several accounts, including XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX XXXX XXXX in XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX & XX/XX/XXXX ; by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX ; And to Equifax via the online dispute portal. USPS verified that all my requests were received on XX/XX/XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. I was supposed to receive responses to my requests by XX/XX/XXXX. To date, I have received none. Therefore, I expect all these items will be removed from my credit files immediately. Thank you for your prompt attention to this matter. XXXX XXXX | null | EQUIFAX, INC. | FL | 33407 | null | Consent provided | Web | 2019-06-20 | Closed with explanation | Yes | null | 3,282,051 |
2022-06-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions | null | EQUIFAX, INC. | WI | 53209 | null | Consent provided | Web | 2022-06-24 | Closed with explanation | Yes | null | 5,707,149 |
2019-11-26 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | Dear Sir or Madam.
A recent review of my credit report turned up information that is inaccurate. Please refer to the attached report, where I have circled the item ( s ). Please remove the below addressed and employment history from my credit report.
Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX AV XXXX, FL XXXX Employment : XXXX XXXX XXXX XXXX XXXX Please investigate these matters and delete the disputed items as soon as possible.
Sincerely, XXXX XXXX XXXX | null | EQUIFAX, INC. | FL | 32828 | null | Consent provided | Web | 2019-11-26 | Closed with non-monetary relief | Yes | null | 3,450,960 |
2022-04-28 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MO | 63033 | null | Consent provided | Web | 2022-04-28 | Closed with non-monetary relief | Yes | null | 5,507,038 |
2022-05-13 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | XXXX, Transunion, and XXXX are in violation of 15 USC 1681 subchapter III, Section 1681i Procedure in case of disputed accuracy, Treatment of Inaccurate or Unverifiable Information. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall, ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
I have attached documentation from XXXX Credit Report that shows XXXX, XXXX, XXXX did not complete a through investigation, the information is incomplete, inaccurate, and could not be verified, but they kept it on my credit report anyway. The account numbers are different, date opened, last reported date, comments, monthly payment, account status, and the account type to name a few. Each credit agency has different information, so how could they have done a through investigation. delete all accounts with inaccurate information immediately. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | CA | 94533 | Servicemember | Consent provided | Web | 2022-05-13 | Closed with explanation | Yes | null | 5,555,136 |
2022-03-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NY | 10591 | null | Consent provided | Web | 2022-03-16 | Closed with explanation | Yes | null | 5,331,001 |
2023-01-23 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | null | EQUIFAX, INC. | TX | 77494 | null | Consent provided | Web | 2023-01-23 | Closed with explanation | Yes | null | 6,477,478 |
2023-05-04 | Checking or savings account | Savings account | Managing an account | Deposits and withdrawals | Dear CFPB, In asking for your assistance, I am seeking resolution to an unfortunate situation with XXXX, by XXXX Bank XXXX ( XXXX : XXXX. ) Today is XX/XX/2023, and XXXX Bank XXXX has been in possession of ( XXXX ) cashier 's checks that were intended to fund XXXX accounts opened via web portal, on XX/XX/2023.
Access to the new accounts was subsequently locked, in their yet unfunded state.
Any security concerns have been acknowledged as cleared by the Bank, as of XX/XX/2023. Quite likely sooner, as the completed affidavit was returned on XX/XX/2023. ( See attached documentation for details. ) The status of these deposits is still in limbo, even though the Bank acknowledged receipt of the funds, and placement in their respective accounts, via XXXX correspondence indicating ( XX/XX/2023. ) XXXX account remains open, showing XXXX balance ( OSA. ) The other, an XXXX month XXXX of XXXX was subsequently closed, flagged as " unfunded. '' ( Email dated : XX/XX/2023. ) Furthermore, after much research, it appears this is a recurrent method of operation, with unsuspecting customers. ( a.k.a., victims. ) Withholding deposits, locking account access, or otherwise stalling using XXXX XXXX in conjunction with " terms of service '' effectively lowers the XXXX, as advertised. This basically wipes out any monetary advantage gained by depositing funds with XXXX, versus their competitors.
In simplest terms, I've been " screwed '' out of approximately XXXX week 's interest, even though the Bank has agreed to credit my ( XXXX ) cashier 's checks into the remaining account, if I CONTINUE TO WAIT. For what??
A somewhat less than equitable solution to my dilemma would be for the Bank to IMMEDIATELY credit the afore-mentioned funds, in their entirety, to the remaining OSA.
Immediately means today, rather than XXXX to XXXX more days, yet again.
Otherwise, the sum of my funds should be PROMPTLY returned via Bank check, to the address on file, which was provided when the accounts were originally opened.
Promptly, means I will not find it necessary to place XXXX fruitless calls to " Customer Service, '' or file another complaint with the Regulators.
No more perpetual loops of " Call, Wait & Repeat. '' Most average citizens like myself, can not endure the stress, suspected loss, or forfeiture of their life 's savings over these unnecessary hijinks.
In what reality does it take over XXXX weeks to make a simple deposit into a savings account??
Also, do not attempt to purport that the Bank reached out via phone call, or email without response, to retroactively justify the delays.
Please take time to review the attached documentation, as it will provide the information relevant to the accounts.
Personally, I will be returning to XXXX XXXX XXXX, as this has been a horrific, and totally unexpected learning experience. | null | GOLDMAN SACHS BANK USA | OH | 442XX | Older American | Consent provided | Web | 2023-06-07 | Closed with explanation | Yes | null | 6,931,750 |
2023-09-15 | Checking or savings account | Checking account | Closing an account | Company closed your account | My account was compromised and they closed my account I was a victim of identity theft | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | MD | 21206 | null | Consent provided | Web | 2023-09-15 | Closed with explanation | Yes | null | 7,549,070 |
2023-07-27 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada, XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me.
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX : Account # - XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX : Account # XXXX This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b Inquiries : I never applied for any of these accounts, haven't applied for anything in last 2 years!
Please Remove Account Due To Permissible Purpose 15 USC 1681b Personal Information : XXXX XXXX XXXX XXXX XXXX, NV XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX, MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b XXXX XXXX XXXX XXXX XXXX, MO XXXX Reported as Previous Address This is not my address, unfamiliar with such account. Update to actual address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors.
Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above.
During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher.
Promptly update my consumer report with the correct and accurate information.
Provide me with a written statement of the investigation results and any changes made to my consumer report.
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days.
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action.
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation.
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency. | null | EQUIFAX, INC. | NV | 89147 | null | Consent provided | Web | 2023-07-27 | Closed with non-monetary relief | Yes | null | 7,307,655 |
2017-12-12 | Debt collection | Medical debt | Attempts to collect debt not owed | Debt is not yours | Dear Agency : I am in receipt of your attached offer, as mentioned above, however I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt.
I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes.
I conditionally accept your offer, as mentioned above, upon verifiable proof that your offer is not an illegal and obnoxious debt collection practice.
I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency can file any lawsuit against consumer without having the intent to prove the debt.
I conditionally accept your offer, as mentioned above, upon verifiable proof that your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act.
I conditionally accept your offer, as mentioned above, upon verifiable proof of balances, interest rates, and payment due dates.
I conditionally accept your offer, as mentioned above, upon verifiable proof of accounting and transactions.
I conditionally accept your offer, as mentioned above, upon verifiable proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable.
I conditionally accept your offer, as mentioned above, upon verifiable proof that the debt is owed and accurate.
I conditionally accept your offer, as mentioned above, upon verifiable proof of legal documents to prove that you are legally authorized to collect.
I conditionally accept your offer, as mentioned above, upon verifiable proof of a signed contract showing the terms about the debt.
I conditionally accept your offer, as mentioned above, upon verifiable proof of WHO owns the debt/or has been assigned the debt.
I conditionally accept your offer, as mentioned above, upon verifiable proof of a copy of a True Bill in Commerce.
I conditionally accept your offer, as mentioned above, upon verifiable proof of a complete payment history, starting with the original creditor.
I conditionally accept your offer, as mentioned above, upon verifiable proof of a Certified and True Copy of the original signed agreement or application.
I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed.
I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying.
Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them.
If your agency attempt to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM. | null | Merchants and Medical Credit Corporation, Inc. | MI | XXXXX | null | Consent provided | Web | 2017-12-19 | Closed with explanation | Yes | null | 2,751,949 |
2022-02-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Personal information incorrect | When I apply for credit related things it comes up I am deceased. But for state and federal filings it does not it seems. My father passed away 14 years ago and since then alot of credit things of his and mine have been mixed or me reported dead. I was told you can help with this. | null | EQUIFAX, INC. | NY | 11554 | null | Consent provided | Web | 2022-02-10 | Closed with explanation | Yes | null | 5,207,209 |
2023-08-26 | Credit reporting or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | The Account I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. I have doubts about the accuracy of this account and the reported payment history on this account is a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information.
XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$8900.00} | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TX | 76134 | null | Consent provided | Web | 2023-08-26 | Closed with non-monetary relief | Yes | null | 7,467,358 |
2023-08-31 | Credit card | General-purpose credit card or charge card | Problem with a company's investigation into an existing problem | Was not notified of investigation status or results | The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress. | null | EQUIFAX, INC. | MO | 630XX | null | Consent provided | Web | 2023-08-31 | In progress | Yes | null | 7,482,476 |
2022-05-31 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | Hi I am submitting this XXXX XXXX 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. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | MI | 48076 | null | Consent provided | Web | 2022-05-31 | Closed with non-monetary relief | Yes | null | 5,619,009 |
2023-07-10 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | PA | 175XX | null | Consent provided | Web | 2023-07-10 | Closed with explanation | Yes | null | 7,227,776 |
2022-08-24 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Reporting company used your report improperly | In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to report Perfect Payment History never late and also remove all remarks from account that includes repossession/ redeemed. 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 hand written instructions. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | OH | 432XX | null | Consent provided | Web | 2022-08-24 | Closed with non-monetary relief | Yes | null | 5,914,397 |
2021-10-07 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures. | null | JPMORGAN CHASE & CO. | CA | 95628 | null | Consent provided | Web | 2021-10-19 | Closed with explanation | Yes | null | 4,789,337 |
2023-02-27 | Checking or savings account | Checking account | Managing an account | Problem using a debit or ATM card | I paid for an XXXX XXXX with my Navy Federal Credit Union Debit card and the say was not what I paid for, the room was dirty upon receipt, the pictures did not match what was received, the host was unresponsive I explained this to navy federal credit union, and they refused the dispute. This is unfair and I want my money back i Paid for a product service I did not get at all from XXXX XXXX XXXX XXXX this dispute was done with navy federal cu and they gave an initial credit and then they took it back stating i did not send in proof of my claim and I did pictures of how dirty and filthy the room was and how the host just quit responding i did dispute with XXXX XXXX XXXX was told I may not have a refund because the sorry host refused it? how? I paid for something i did not get and while we did stay the one night it was the only option as my money was already spent on this place for the night attached is my receipt. | Company believes it acted appropriately as authorized by contract or law | NAVY FEDERAL CREDIT UNION | TX | 75038 | null | Consent provided | Web | 2023-02-27 | Closed with explanation | Yes | null | 6,623,567 |
2018-01-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | XXXX XXXX XXXX closed my checking account XX/XX/XXXX which I thought was only for a negative balance. I later find out they closed my account for fraud which Ive never committed. The account balance was {$38.00} which I paid on XX/XX/XXXX. I talked to multiple representatives at XXXX XXXX XXXX on XX/XX/XXXX and not one could pull up information about fraud being committed. I completely understand that my account may have been closed due to a negative balance, but Im being reported for something thats completely inaccurate. Fraud and insufficient funds are 2 total completely different things. After trying to resolve the issue I spoke with XXXX and Early Warning trying to get the issue taken care of. I spoke with a representative at XXXX on XX/XX/XXXX and told him my issue how Im being misreported as fraud. He basically told me he knows and XXXX XXXX XXXX risk department reports EVERYBODY as fraud even if they havent committed any type of fraud and if I dispute its a waste of time because XX/XX/XXXX works for the banks not the people. He later told me also if I wanted it removed I would have to wait 5 years or pay {$400.00}. I then called Early Warnings about the situation and they told me to file a dispute which I received the documents in my email XX/XX/XXXX. This entire time Ive been misreported and its completely unfair to me because I cant get no type of Bank accts. All of them see me as fraud when Ive never done such a thing. I paid the {$38.00} that I indeed owe and I just want things to be done fairly. Yes I owed on a negative balance, no I didnt commit fraud. I called XXXX XXXX XXXX risk department today ( XX/XX/XXXX ) to see if they updated XXXX and Early Warnings so I could pursue getting me a new account with a better bank who doesnt just reports every account closure as fraud. The lady told me even though I paid, this account will stay reported as fraud until XX/XX/XXXX. I then told her that Ive never committed fraud and its reporting inaccurately. She told me that I shouldve filed a claim after the account was closed. I wouldve indeed filed a claimed if the account was closed to fraud, but I was under the impression that my acct was only closed because I had a negative balance of {$38.00}. Nobody at XXXX XXXX XXXX can tell me how I committed fraud but theyve reported me. This is completely unfair and its causing unnecessary stress in my life because Im being reported for something that I didnt do. XXXX and Early Warnings are working with the banks so its basically 3 against 1. Ive never committed fraud and XXXX XXXX XXXX is violating my rights. I demand some type of physical or legal proof showing I committed fraud, if not I need this misreported information removed immediately. Its at the point now where its affecting my daily life because I cant get another bank acct anywhere. If theres no proof where I committed fraud, I need to be removed from XXXX and Early Warnings immediately. Like I stated earlier, having an negative account and committing fraud are 2 completely different things. | null | Early Warning Services, LLC | GA | 30224 | null | Consent provided | Web | 2018-01-02 | Closed with explanation | Yes | null | 2,769,887 |
2023-06-16 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Problem with a credit reporting company's investigation into an existing problem | Their investigation did not fix an error on your report | I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | TN | 380XX | null | Consent provided | Web | 2023-06-16 | Closed with non-monetary relief | Yes | null | 7,126,401 |
2023-02-06 | Credit card or prepaid card | General-purpose credit card or charge card | Closing your account | Company closed your account | I'm furious with this company Capital One. I have been with Capital One for over XXXX XXXX. The way I was treated unethical and considered XXXX. I demand a resolution after XXXX XXXX with this company. I have never been delinquent on my accounts and to be treated this unfairly as a customer, is very unethical on their part.
I was traveling from the XXXX of XXXX to XX/XX/XXXX of XXXX. I have business accounts and personal accounts with Capital One. Today I checked my accounts and I noticed all XXXX of my accounts are closed! I called Customer Service to see what has happened and they stated fraud. They transferred me to fraud department and they stated it was because of a return payment of {$400.00} for my personal credit card. This personal credit card I was using while I was traveling as I depend on this XXXX card for my travel needs. Yes a returned payment occured I was traveling and my accounts were in process of transferring money, but to close all of my accounts even my business accounts for this returned payment is XXXX! I just arrived back and I can pay a measly {$400.00}. I did not even pay late I added funds to my credit card to use it. Why would they close my account over a returned payment. Or all my other accounts that have nothing to do with this?! I found this as an unethical excuse to close my accounts due to discrimination and credit being used. I am seeking resolution through CFPB before resulting in further action. The closing of my accounts all 4 also affects my credit as I had high credit balances and now thus this company decides to wipe it for no apparent reason without communicating with their client especially when one is traveling. Very unethical! | null | CAPITAL ONE FINANCIAL CORPORATION | FL | 33446 | null | Consent provided | Web | 2023-02-06 | Closed with explanation | Yes | null | 6,535,973 |
2019-06-02 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Unable to get your credit report or credit score | Other problem getting your report or credit score | TransUnion dropped my FICO score over 55 points for NO reason No late payment no increase in credit All other bureaus went up!
Can log into my tu account Cant get a customer service to answer | Company has responded to the consumer and the CFPB and chooses not to provide a public response | TRANSUNION INTERMEDIATE HOLDINGS, INC. | NJ | 070XX | null | Consent provided | Web | 2019-06-02 | Closed with explanation | Yes | null | 3,261,329 |
2018-08-04 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX CO XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid | Company has responded to the consumer and the CFPB and chooses not to provide a public response | Experian Information Solutions Inc. | NJ | 08096 | null | Consent provided | Web | 2018-08-04 | Closed with non-monetary relief | Yes | null | 2,981,662 |
2022-07-15 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Incorrect information on your report | Information belongs to someone else | It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the items that needs to be removed in my file : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00}. | null | EQUIFAX, INC. | GA | 30134 | null | Consent provided | Web | 2022-07-15 | Closed with explanation | Yes | null | 5,776,876 |
2023-05-20 | Credit card or prepaid card | Store credit card | Problem when making payments | Problem during payment process | On the XXXX th of XX/XX/2023 I called customer service at Best Buy Citi bank to get my balance of 2 transactions I made so I could pay them off before moving to XXXX knowing that there was not a Best Buy where we are moving too and I like to pay my bills in person and in cash They gave me the amount my husband gave me the amount they told me I got in the car drove to the nearest bust buy near me that Ive made payments before but not often being that i dont charge that often before that 2 transactions I had not charged on this card before XXXX and these charges were made in XXXX got into the store started to take my cash out of my bag I brought it into and the cashier started helping put them by hundreds after getting the amount I needed to pay for the 2 transactions made she counted it once after she counted it she called another of her team mates over at the store and he counted it as they were both in agreement and 1 that it was the amounts I needed to pay for the 2 transaction made I confirmed on the screen at the register the same amount the lady cashier put some of the money in her drawer and the man cashier put some in a looked like a bank bag of some sort and put money in there and walked away as I heard from the lady cashier she said isnt that going to make me short he told her no I asked them is everything ok they said yes I was given a receipt for the amount I paid the amount owed per customer service per transactions made and verified by both cashiers I left the store with my receipt in hand On the XXXX th of XXXX I received a call from Citi bank that I was in collections I started to investigate this why I was in collections started a dispute process As I had my receipt of the amount paid Same amount owed token in the store to pay the amount of the transactions made on the card as nothing was charged before or after I knew there was a problem I came back to the area where I paid my bill in XXXX to finish up some things and being that I was near the store and knew theres was a problem and Suggested by Citi bank to bring it up with the store I went to do that after several phone calls and 2 visits to the store the general manager is saying that isnt the amount I paid the amount on my receipt That my receipt is not valid and if I persist in the manner he would do charges of fraud on my behalf I think this is terrible I went in to the store to pay my bill mind you early the statement was not out yet 3 counts of the money by me and 2 cashiers confirmed on the screen at the store and I am treated like this | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | TX | 75901 | null | Consent provided | Web | 2023-06-21 | Closed with explanation | Yes | null | 7,004,664 |
2019-09-09 | Credit reporting, credit repair services, or other personal consumer reports | Credit reporting | Improper use of your report | Credit inquiries on your report that you don't recognize | I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry. | Company has responded to the consumer and the CFPB and chooses not to provide a public response | CITIBANK, N.A. | AZ | 863XX | null | Consent provided | Web | 2019-09-09 | Closed with explanation | Yes | null | 3,369,080 |